Legal Notice

Last updated: October 2026

Operator information

This site is operated by Okapi P2P Financial Services.

Regulatory status

Peer-to-peer lending is a regulated activity in most jurisdictions, which may require securities registration, consumer lending licenses, money transmission licenses, or other approvals depending on where you and your users are located.

Intellectual property

The Okapi P2P Financial Services name, logo, and all site content — except content submitted by users (such as loan descriptions) — are the property of the platform operator or its licensors and may not be copied or reused without permission.

Limitation of liability

To the fullest extent permitted by law, the platform operator is not liable for indirect, incidental, or consequential damages arising from use of the platform, including losses related to loan defaults, missed payments, or service interruptions. See our Disclaimer for more on lending and borrowing risk.

Governing law

Okapi Financial Services is provided subject to the applicable laws and regulatory frameworks of the Democratic Republic of Congo (DRC). By accessing or using these services, you agree that any disputes, claims, or legal proceedings arising out of or relating to these services shall be governed exclusively by, and construed in accordance with, the laws of the Democratic Republic of Congo, without regard to conflict of law principles. All financial activities, products, and services are subject to regulatory oversight by competent local authorities, including the Central Bank of Congo (Banque Centrale du Congo - BCC). Past performance of any financial product is not indicative of future results. Financial investments and services carry inherent risks, including the potential loss of principal. Users are solely responsible for compliance with local tax and financial regulations in their respective jurisdictions.

Changes to this notice

We may update this Legal Notice from time to time. Continued use of the platform after changes are posted constitutes acceptance of the updated notice.

Questions about this notice? Contact us.