Legal
Last updated: May 2026
By opening an Omayoza account, you agree to these Terms and to all published Quest contracts, fee schedules, and penalty bands in force at the time of each transaction.
Accounts are limited to individuals over 18 who can lawfully enter contracts in their jurisdiction. KYC verification is required before any Quest may be funded.
A Quest is a fixed-term, flat-rate investment contract. The published rate, term, and minimum apply to each Quest at the moment of activation. Returns are not compounded mid-Quest.
Deposits are confirmed by the Omayoza operations team. Funds become eligible for a Quest only after confirmation. Currency conversion losses, where applicable, are borne by the investor.
Withdrawals are paid only to the bank account or stablecoin wallet locked to your account at onboarding. Changing a locked destination requires re-verification.
Early-exit penalty bands are published in advance and shown before any early-exit request is confirmed. Penalties are deducted from the accrued return first, and from principal only where the band requires.
Investing involves risk. Omayoza does not guarantee future returns. Quests are not bank deposits and are not insured.
These Terms may be updated. Material changes are communicated by email and via the in-app notifications inbox before they take effect.