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 Principal for the commitment period, calculated at the rate stated in Section 2 and credited monthly in accordance with Section 4.
  • Assets Under Management (AUM): The total market value of all client investments managed by Hazina.

2. Interest Rate

All investment accounts earn a fixed interest rate of 3% per month on the client's Principal, equivalent to 36% per annum. Interest is calculated and credited on a monthly basis for the duration of the commitment period described in Section 3, subject to account standing and the partnership and crediting framework in Section 4.

3. Minimum Investment Duration

The minimum term for any deposit is twelve (12) months. Deposits are committed for the full 12-month period under these Terms. Hazina does not offer routine partial withdrawals or early release of Principal during that period.

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. Long-term partnership and monthly return crediting

Hazina's products are designed for clients who value a stable, long-term relationship with the firm. When your account remains in good standing through the minimum commitment period, Hazina applies the agreed rate in Section 2 and credits monthly returns on a consistent schedule, so you can plan with greater predictability.

This operating approach reflects our commitment to partners who align with our time horizon; it is provided subject to these Terms, your continued compliance with account requirements, and Hazina's right to amend rates or Terms as set out in Section 5. Nothing in this section overrides applicable law or Hazina's discretion where the Terms expressly reserve it.

Important: All investments carry risk. Past performance does not guarantee future results.

5. 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.

6. 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.

7. Contact Us

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

Investment Terms - Hazina Investments | 12-Month Commitment & Monthly Returns