Legal

Terms of Service

Version 3.0·Last Updated: 01 August 2026

1. Acceptance of Terms

By accessing or using the Omnia platform, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this platform.

2. Account Registration

To use Omnia services, you must register for an account and complete KYC verification. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Permitted Use

You may use Omnia solely for lawful personal financial transactions including wallet funding, savings, loans, airtime, data, and bill payments. You may not use the platform for money laundering, fraud, or any illegal activities.

4. Financial Services

Omnia provides digital financial services through Stalwart Investment Partners Ltd and licensed banking partners. All financial transactions are subject to applicable Nigerian financial regulations and our internal policies.

5. Fees and Charges

Certain services may attract fees as disclosed at the time of transaction. We reserve the right to modify our fee structure with reasonable notice. All fees are clearly displayed before you confirm any transaction.

6. Limitation of Liability

Omnia shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, subject to applicable law.

7. Termination

We reserve the right to suspend or terminate your account if you violate these terms, engage in fraudulent activity, or for any other reason at our discretion with appropriate notice where required by law.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of Nigerian courts.