Terms of Service

Fine Gold Reserve

Last Updated: 1st January, 2026

1. Agreement to Terms

Welcome to Fine Gold Reserve (“Company”, “we”, “our”, or “us”).

These Terms of Service (“Terms”) govern your access to and use of our website, platform, and services, including the purchase, sale, storage, and management of digital gold backed by physical gold reserves.

By accessing or using our services, you agree to be legally bound by these Terms.

If you do not agree, you must not use our services.

2. Definitions

Digital Gold
A digital representation of physical gold held in custody and allocated to a client account.

Allocated Gold
Physical gold specifically reserved and recorded for an individual client.

Client Account
A registered user profile granting access to digital gold services.

Platform
The Fine Gold Reserve website, systems, dashboards, and related applications.

3. Eligibility

To use our services, you must:

Be at least 18 years old
Have legal capacity to enter binding agreements
Provide accurate identity information
Pass required compliance and verification checks

We reserve the right to refuse or terminate service at our discretion.

4. Account Registration

Users must create an account to access digital gold services.

You agree to:

Provide truthful information
Maintain updated account details
Keep login credentials secure
Notify us immediately of unauthorized access

You are responsible for all activity under your account.

5. Nature of Digital Gold Services

Fine Gold Reserve provides:

Purchase of digital gold backed by physical gold
Sale or liquidation of digital gold
Secure storage of allocated physical gold
Account monitoring and reporting

Digital gold balances represent ownership interests in allocated gold stored by or on behalf of Fine Gold Reserve.

6. Pricing and Transactions

6.1 Gold Pricing

Gold prices are based on prevailing international market prices and may include:

Trading spreads
Operational fees
Storage costs

Prices may change at any time without prior notice.

6.2 Transaction Execution

Orders may be executed:

Immediately at displayed prices, or
After verification and settlement confirmation

We reserve the right to reject or delay transactions due to:

Compliance reviews
Market volatility
Technical disruptions

7. Storage and Custody

Physical gold corresponding to digital balances is stored in secure vault facilities managed by approved custodians.

Clients acknowledge:

Gold may be stored in multiple jurisdictions
Storage providers operate under independent security standards
Periodic audits may be conducted

8. Ownership Rights

Clients hold beneficial ownership of allocated gold corresponding to their account balance.

Fine Gold Reserve acts as:

Platform operator
Custodial coordinator
Transaction facilitator

Ownership rights do not grant possession unless physical delivery is requested and approved.

9. Physical Delivery (If Offered)

Where available, clients may request physical gold delivery subject to:

Minimum withdrawal thresholds
Fabrication and logistics fees
Identity verification
Compliance approval

Delivery timelines may vary based on location and operational conditions.

10. Fees

Applicable fees may include:

Buy/sell spreads
Storage fees
Withdrawal fees
Delivery costs
Currency conversion charges

All applicable fees will be disclosed before transaction confirmation.

11. Compliance and Verification

To comply with financial regulations, Fine Gold Reserve may require:

Know Your Customer (KYC) verification
Anti-Money Laundering (AML) checks
Ongoing monitoring of transactions

Accounts may be restricted or suspended if compliance requirements are not met.

12. Prohibited Activities

Users may not:

Engage in fraud or illegal conduct
Use stolen or unauthorized funds
Attempt to manipulate markets
Circumvent compliance procedures
Interfere with platform security

Violation may result in account termination and legal action.

13. Market Risk Disclosure

Gold prices fluctuate due to global market conditions.

Users acknowledge:

Digital gold value may rise or fall
Past performance does not guarantee future results
Fine Gold Reserve does not provide investment advice

All investment decisions are made at the user’s own risk.

14. Platform Availability

We strive for uninterrupted service but do not guarantee:

Continuous availability
Error-free operation
Immediate transaction processing

Maintenance, upgrades, or external factors may cause temporary disruptions.

15. Intellectual Property

All platform content including:

Branding
Logos
Software
Designs
Documentation

remain the intellectual property of Fine Gold Reserve and may not be reproduced without written permission.

16. Limitation of Liability

To the fullest extent permitted by law, Fine Gold Reserve shall not be liable for:

Market losses
Indirect or consequential damages
Third-party service failures
Internet or system interruptions
User negligence or credential compromise

Total liability shall not exceed fees paid by the user within the preceding 12 months.

17. Suspension and Termination

We may suspend or terminate accounts if:

Terms are violated
Fraud or risk is suspected
Legal obligations require action
Regulatory concerns arise

Users may request account closure subject to settlement of outstanding obligations.

18. Regulatory Status

Fine Gold Reserve operates within applicable legal and regulatory frameworks governing precious metals trading, custody, and financial compliance in jurisdictions where services are offered.

Services may not be available in restricted regions.

19. Privacy

Use of our services is also governed by our Privacy Policy.

Users acknowledge review and acceptance of data handling practices described therein.

20. Amendments

We may update these Terms periodically.

Updated versions become effective upon publication on our website. Continued use of services constitutes acceptance of revised Terms.

21. Governing Law

These Terms shall be governed by and interpreted under the laws of the jurisdiction in which Fine Gold Reserve operates or maintains principal regulatory oversight.

22. Dispute Resolution

Disputes shall first be resolved through good-faith negotiation.

If unresolved, disputes may be submitted to arbitration or competent courts as permitted by applicable law.

23. Contact Information

For legal inquiries:

Legal Department
Fine Gold Reserve

Email: legal@finegoldreserve.com
Website: www.finegoldreserve.com