1. Your agreement with Omninal
These Terms & Conditions are the User Agreement between you and Omninal Inc (Omninal, we or us) for the Omninal mobile app, website and related account services. By accepting these terms during registration or when otherwise presented, you agree to this agreement. If you act for a business, you confirm that you can bind it and that its authorized users will follow these terms.
The Privacy Policy explains how personal information is handled. Additional service terms apply when presented for a particular feature. If a separately signed agreement applies to your business, it controls to the extent of a conflict.
2. Eligibility and account security
You must be at least 18, legally able to enter this agreement, and authorized to use the account. Access is subject to supported locations, identity or business verification and any applicable restrictions. Provide accurate information and keep it up to date.
Protect your login credentials and authentication devices. Only allow authorized users to access a business account. Contact support promptly if you suspect unauthorized access or a payment you did not authorize. Your legal rights concerning unauthorized transactions are not limited by these terms.
3. Bridge and other service providers
Omninal connects you to applicable payment and digital asset services through Bridge. Those services may be provided by the relevant Bridge entity and its financial partners. Availability and the provider relationship depend on your location and the service you use.
You must separately accept the applicable Bridge terms and disclosures when required during onboarding or before using a relevant service. Accepting Omninal’s agreement does not replace that acceptance. Bridge’s terms govern Bridge-provided services; these terms govern your use of Omninal. Review the applicable provider’s privacy policy as well.
4. Payments, conversion and fees
Check the recipient, amount, currency, network, destination and any quoted fees or exchange rate before confirming an instruction. You authorize processing of instructions you confirm through your account, subject to applicable law and security checks. Processing times may depend on banking hours, network activity and compliance review.
Fees and exchange rates are those disclosed for your service or transaction before you confirm. Quotes may expire. Completed transfers, especially blockchain transfers, may not be reversible. Contact support promptly about an error; cancellation or recovery is not guaranteed. Refunds and disputes are handled under the applicable payment method, provider terms and law.
5. Acceptable use
Use the services only for lawful, authorized activity. You must not:
- Use the account for fraud, money laundering, sanctions evasion, deceptive transactions or other illegal activity.
- Provide false identity or business information, impersonate another person, or use an account without authority.
- Bypass verification, limits or security controls; introduce malicious code; or disrupt or improperly access the services.
- Use a service for an activity prohibited by the applicable provider’s terms or restrictions.
6. Digital asset risks
Digital assets involve issuer, market, network and operational risks. A stablecoin may lose its intended reference value. Digital assets are not automatically bank deposits or covered by deposit insurance. Any protection depends on the specific product and its applicable terms. Omninal does not provide investment, tax or legal advice.
7. Restrictions, closure and deletion
We may restrict or suspend access when reasonably necessary to investigate suspected misuse, comply with law or provider requirements, protect an account, or address a material breach. We will explain restrictions where permitted and provide a support channel.
You may request permanent deletion of your Omninal account and associated personal data. Closure does not erase obligations or completed transfers. Remaining funds and pending transactions must be handled through a lawful process; they are not forfeited merely because you request deletion. Some records must be retained for legitimate legal, financial, security or dispute purposes.
8. Using the app
We grant you a limited, non-exclusive, non-transferable license to use the app for permitted purposes under this agreement and the applicable app-store rules. Omninal and its licensors retain intellectual property rights. Do not copy, resell or reverse-engineer the software except where applicable law permits it.
Apple and Google are not parties to this agreement and do not provide Omninal’s financial services. App-store terms continue to apply. For an iOS download, Apple’s standard licensed application agreement applies to the app license unless a separate custom EULA is supplied; it does not replace these service terms.
9. Responsibility and your rights
Services may be interrupted or unavailable. We do not guarantee uninterrupted access, a particular processing time, or recovery of an incorrectly addressed transfer. To the extent permitted by law, implied warranties and liability for indirect or consequential losses are excluded.
Nothing in this agreement excludes liability that cannot lawfully be excluded, including liability for fraud, or removes mandatory consumer, payment-service or privacy rights. A provider’s separate responsibility is governed by its agreement and applicable law.
10. Notices, changes and questions
We may communicate account and service information electronically. Where electronic-signature consent is required, it is requested separately. Material changes to this agreement will be notified as required by law; the notice will state when they take effect and any action required. You can contact support if you disagree or wish to close your account.
Contact support@omninal.com with questions, complaints or transaction concerns. Mandatory law and available rights in your jurisdiction continue to apply. Nothing in these terms limits rights or remedies that applicable law gives you.