Terms and Conditions

1. Interpretation

Account

means any account we maintain for you to facilitate purchases, sales, or inquiries.

Bullion

means investment-grade gold (min. 99.5% purity) and silver (min. 99.9% purity) in bars, coins, or other forms we offer.

Business Day

means any day other than Saturday, Sunday, or a public holiday in New Zealand.

Confirmed Order

means an order confirmed upon receipt of cleared funds within the specified time.

Product

means bullion, precious metals, coins, safes, or other items we sell.

Purchase Window

means the time (e.g., 10 Minutes) during which quoted prices are fixed, as notified.

2. General

• You must be at least 18 years old and provide accurate identification for AML/CFT compliance.
• These Terms apply to all dealings and supersede prior agreements. Governed by New Zealand law; disputes subject to non-exclusive jurisdiction of New Zealand courts.
• We do not provide financial, tax, or investment advice. You are responsible for assessing suitability and obtaining independent advice.
• We may record communications and rely on instructions from authorised persons until revoked in writing.
• We may correct errors (including reversing transactions) and suspend services in volatile markets or for compliance reasons.

3. Quotes and Orders

• Quotes are indicative and expire after the Purchase Window (e.g., 10 Minutes) or sooner in volatile conditions.
• Orders are binding upon confirmation; no cancellation except at our discretion.
• Payment must be in cleared funds by the due date. Late payment may incur default fees (e.g., NZ$350 + GST), interest (2% above bank overdraft rate), and liability for market losses.
• Title passes upon full payment and delivery/collection confirmation.
• GST: Exempt for investment-grade bullion; otherwise applicable.

4. Buying Products

• Specify quantity and spend amount. We confirm via invoice or order confirmation.
• We may require proof of identity and source of funds for AML/CFT.
• Prices locked only during Purchase Window; volatile markets may lead to suspension.

5. Selling Products to Us

• Contact us for buy-back quote. We may purchase at prevailing rates, subject to verification.
• You warrant good title, free of encumbrances.
• Settlement in cleared funds after inspection or as communicated.

6. Delivery and Collection

• Products available for collection or delivery (at your cost).
• Risk and title pass upon collection or signed delivery (secure courier recommended).
• Delays may occur; no liability for consequential loss.

7. Returns and Refunds

• No returns for bullion due to market volatility, except for defects (subject to CGA for consumers).
• Faulty items: Notify within 7 days; we may exchange or refund after inspection.

8. Default and Remedies

On default, we may charge admin fee, interest, recover losses, suspend services, and sell any held assets to recover amounts (after notice).

You indemnify us for reasonable losses from your breach.

9. Limitation of Liability

To the extent permitted by law, we exclude liability for indirect/consequential loss, market fluctuations, third-party info, or system failures.

For consumers under CGA, nothing limits your rights (e.g., acceptable quality). CGA does not apply to business purchases.

10. Variation and Notices

We may vary Terms on 14 days' notice (or immediately for security/law). Continued use constitutes acceptance.

11. Privacy

We collect and handle personal information per our Privacy Policy and Privacy Act 2020.

12. Miscellaneous

• No assignment by you without consent; we may assign.
• Severability: Invalid provisions replaced with closest valid equivalent.
• Force Majeure: No liability for events beyond control (e.g., market disruptions, pandemics).

Disclaimer

Information on this website is for general purposes and may contain errors or omissions. We do not accept liability for any loss from reliance on it. It is not financial, legal, or tax advice—seek professional guidance. Links to external sites are for convenience; we are not responsible for their content. Bullion markets are volatile; past performance is no guarantee.

Copyright Notice

All content on this website is protected by copyright, trademarks, and other intellectual property rights owned by or licensed to us. You may not copy, reproduce, or distribute without express written permission. Unauthorized use may violate laws.

Important Risk Acknowledgement – Precious Metals Investment

Investment in precious metals, including gold and silver bullion, involves significant risk and is not suitable for everyone.

This is not financial, investment, or professional advice. We do not provide personalised recommendations, tax advice, or suitability assessments. You must make your own independent enquiries and decisions based on your financial situation, objectives, risk tolerance, and after seeking advice from your own qualified financial adviser, accountant, lawyer, or other professional if required.

Markets are volatile. Precious metal prices can fluctuate significantly due to economic, geopolitical, supply/demand, currency, interest rate, and other factors. Prices may rise or fall rapidly, and you could lose some or all of your invested capital. Past performance is not indicative of future results.

Your decision, your risk. Any purchase is made entirely at your own discretion and risk. You acknowledge that you bear full responsibility for any gains or losses resulting from market movements, storage fees, premiums, or other costs. We are not liable for any loss (direct, indirect, consequential, or otherwise) arising from price changes, market conditions, or your investment decisions.

No guarantees. There is no assurance of profit, capital preservation, or liquidity. Bullion is a physical asset subject to storage, delivery, verification, and resale risks.

By placing an order, confirming a quote, or proceeding with any transaction, you confirm that you have read, understood, and accept these risks and that your purchase is made on your own independent decision without reliance on any representation, warranty, or advice from us beyond the product description and pricing provided.