Investment Terms

Effective Date: January 10, 2026

These Investment Terms ("Terms") govern all deposits, returns, and withdrawal conditions applicable to clients of Hazina Investments L.L.C ("Hazina," "we," "our," or "us"). By depositing funds into any Hazina investment account, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. These Terms are non-negotiable and apply uniformly to all clients.

1. Definitions

For the purposes of these Terms, the following definitions apply:

  • Deposit: Any amount of money transferred by a client into a Hazina investment account.
  • Principal: The original amount deposited by the client, before any interest accrues.
  • Interest: The monthly return earned on the client's invested capital, calculated as a percentage of the Principal.
  • Vesting Schedule: The structured timeline under which a client gains access to portions of their deposited Principal for withdrawal.
  • Assets Under Management (AUM): The total market value of all client investments managed by Hazina.
  • Stable Interest: A benefit guaranteeing that monthly interest payments remain calculated on the initially deposited Principal, regardless of subsequent partial withdrawals.

2. Interest Rate

All investment accounts earn a fixed interest rate of 3% per month on the client's invested capital, equivalent to 36% per annum. Interest is calculated and credited on a monthly basis. The interest rate is applied to the Principal as defined in Section 1 above, subject to the Stable Interest Guarantee outlined in Section 5.

3. Minimum Investment Duration

The minimum term for any deposit is twelve (12) months. Clients may not request a full withdrawal of their Principal before the 12-month commitment period has elapsed. Early termination of the investment contract before the minimum duration may result in forfeiture of accrued interest and/or applicable penalties at the sole discretion of Hazina.

4. Quarterly Liquidity & Vesting Schedule

To provide flexibility while maintaining the stability of the fund, clients are granted access to their capital through a quarterly vesting schedule:

  • Clients may withdraw up to 25% of their specific deposit every three (3) months (quarterly).
  • This means that while funds are committed for a minimum of 12 months, clients retain access to portions of their capital over time.
  • Each withdrawal request applies to the original deposit amount, not to the cumulative balance including interest.

The vesting schedule operates as follows:

  • Month 3: Up to 25% of the initial deposit may be withdrawn.
  • Month 6: Up to an additional 25% of the initial deposit may be withdrawn.
  • Month 9: Up to an additional 25% of the initial deposit may be withdrawn.
  • Month 12: The remaining balance of the deposit may be withdrawn in full.

5. Stable Interest Guarantee

To reward long-term commitment, Hazina offers a "Stable Interest" benefit. Even if a client exercises their right to withdraw 25% of their Principal each quarter under the vesting schedule, the client will continue to earn the 3% monthly interest based on their initially deposited amount.

This allows clients to reduce their exposure while maintaining their full earning power throughout the duration of the investment. The Stable Interest Guarantee applies for the full 12-month minimum investment period and is subject to the client maintaining their account in good standing.

6. Risk Disclosures

All investments carry inherent risk. Past performance does not guarantee future results. By investing with Hazina, you acknowledge the following:

  • The value of your investments may fluctuate, and you may receive back less than your original deposit in exceptional circumstances.
  • Interest rates are subject to review and may be adjusted in accordance with market conditions, regulatory changes, or the operational needs of the fund.
  • Hazina does not guarantee the availability of funds for withdrawal outside of the vesting schedule described in Section 4.
  • Clients are advised to invest only amounts they can afford to commit for the minimum duration of 12 months.
  • Nothing in these Terms constitutes financial advice. Clients are encouraged to seek independent financial counsel before making investment decisions.

7. Amendments

Hazina reserves the right to amend, modify, or update these Investment Terms at any time, with or without prior notice. Changes will become effective upon publication on this page. It is the client's responsibility to review these Terms periodically. Continued use of our investment services after any amendments constitutes acceptance of the revised Terms.

8. Governing Law

These Investment Terms are governed by the laws of the République Démocratique de Congo without regard to its conflict of laws provisions. You consent to the exclusive jurisdiction of the courts of the République Démocratique de Congo in connection with any action or dispute arising between the parties under or in connection with these Terms.

The laws of the République Démocratique de Congo, excluding its conflicts of law rules, shall govern these Terms and your use of our investment services. Your participation may also be subject to other local, state, national, or international laws.

9. Contact Us

If you have any questions about these Investment Terms, please contact us:

Investment Terms - Hazina Investments | Interest Rates, Vesting & Withdrawals