Digital Gold User Agreement

Fine Gold Reserve

Last Updated: 1st January, 2026

1. Introduction

This Digital Gold User Agreement (“Agreement”) governs the purchase, ownership, storage, transfer, and sale of digital gold through Fine Gold Reserve (“Company”, “we”, “our”, or “us”).

By creating an account or transacting in digital gold, you (“User”, “Client”, or “Investor”) agree to be legally bound by this Agreement.

2. Definition of Digital Gold

Digital Gold represents a digital record reflecting ownership or beneficial interest in physical gold held in secure custody on behalf of the client.

Each unit of digital gold corresponds to a measurable quantity of physical gold stored within approved vault facilities.

Digital gold:

• Is backed by physical gold holdings
• Is recorded electronically in your account
• May be bought, sold, or held via the platform

Digital gold is not cryptocurrency and does not constitute legal tender.

3. Account Requirements

To access digital gold services, users must:

• Register an account
• Complete identity verification (KYC)
• Agree to applicable policies and disclosures
• Maintain accurate personal information

Accounts remain subject to ongoing compliance monitoring.

4. Purchase of Digital Gold

When purchasing digital gold:

• Prices are based on international gold market pricing
• Transactions include operational spreads and applicable fees
• Orders become final once confirmed and settled
• Gold allocation is recorded in the client dashboard

Ownership is reflected in grams or other measurable units of gold.

5. Ownership Structure

Clients hold beneficial ownership of allocated gold recorded under their account.

Fine Gold Reserve acts as:

• Platform operator
• Custodial coordinator
• Record administrator

Ownership does not automatically grant physical possession unless withdrawal or delivery procedures are completed.

6. Gold Allocation and Backing

Fine Gold Reserve maintains physical gold reserves intended to correspond with total outstanding digital gold balances.

Allocation records include:

• Quantity of gold held
• Client ownership records
• Internal custody documentation
• Periodic reconciliation procedures

Gold may be stored across multiple approved vault locations.

7. Storage and Custody

Physical gold is stored with professional vault custodians operating under high-security standards.

Clients acknowledge that:

• Storage providers operate independently
• Geographic storage locations may vary
• Insurance and security protocols depend on custodial arrangements

Fine Gold Reserve oversees custody coordination but may rely on third-party custodians.

8. Selling Digital Gold

Clients may sell digital gold through the platform subject to:

• Available market liquidity
• Compliance review
• Operational processing timelines

Sale proceeds will be credited to the client account or designated payment method after settlement.

9. Transfers Between Users (If Enabled)

Where permitted, clients may transfer digital gold between verified platform accounts.

Transfers may be subject to:

• Verification checks
• Transaction monitoring
• Applicable fees

10. Physical Delivery (Optional Service)

If offered, users may request physical delivery of gold subject to:

• Minimum withdrawal thresholds
• Fabrication or logistics costs
• Identity verification procedures
• Delivery jurisdiction limitations

Delivery timelines may vary depending on logistics and regulatory requirements.

11. Fees and Charges

Applicable fees may include:

• Buy and sell spreads
• Storage or custody fees
• Withdrawal fees
• Delivery fees
• Currency conversion costs

All fees are disclosed prior to confirmation of transactions.

12. Market Risk

Users acknowledge:

• Gold prices fluctuate continuously
• Digital gold value may increase or decrease
• Fine Gold Reserve does not guarantee profit or capital preservation

Investment decisions remain the sole responsibility of the user.

13. Compliance Obligations

Fine Gold Reserve may:

• Request updated verification documents
• Conduct transaction monitoring
• Suspend accounts pending review
• Report suspicious activity when legally required

Failure to comply with verification requests may result in account restrictions.

14. Account Security

Users are responsible for:

• Protecting login credentials
• Maintaining password security
• Enabling available security features
• Reporting unauthorized access immediately

The Company is not liable for losses caused by compromised user credentials due to user negligence.

15. Suspension or Termination

Accounts may be suspended or terminated if:

• Policies or laws are violated
• Fraudulent activity is suspected
• Regulatory obligations require action
• False information is provided

Users may request account closure after settlement of outstanding obligations.

16. Technology and Operational Risk

Digital gold services rely on technological infrastructure.

Users acknowledge risks including:

• System outages
• Cybersecurity incidents
• Network interruptions
• Delayed transaction processing

Fine Gold Reserve strives for reliability but cannot guarantee uninterrupted service.

17. No Financial Advice

Fine Gold Reserve does not provide:

• Investment advice
• Tax guidance
• Financial planning services

Users should consult independent professional advisers before investing.

18. Limitation of Liability

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

• Market losses
• Indirect damages
• Service interruptions beyond reasonable control
• Third-party failures

Liability shall be limited to applicable service fees paid by the user where permitted by law.

19. Amendments

Fine Gold Reserve may update this Agreement periodically.

Continued use of digital gold services constitutes acceptance of revised terms.

20. Governing Law

This Agreement shall be governed by applicable laws and regulatory frameworks in jurisdictions where Fine Gold Reserve operates or maintains oversight.

21. Dispute Resolution

Disputes should first be resolved through good-faith negotiation.

Unresolved disputes may proceed to arbitration or competent courts in accordance with governing law.

22. Contact Information

For questions regarding this Agreement:

Legal Department
Fine Gold Reserve

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