Terms and Conditions of Use

The website is operated by HAREUS BULLION LTD, More London Riverside, London, SE1 2PL, England, Company Number 13979379.

Administrative, technological, commercial and support services may also be provided by CRONOMÉTRÀMANEIRA – UNIPESSOAL, LDA, Rua da Carreira n.º 115-117, Funchal (São Pedro), Autonomous Region of Madeira, Portugal.

For the purposes of these Terms:

• Company
• Client
• Partner
• Affiliate
• Membership
• Gold
• Bullion
• Vault
• Gold Wallet
• Dashboard
• CRM
• Account
• Spot Price
• Spread
• Buyback
• Order

have the meaning provided by the Hareus Bullion service.

The platform allows users to:

• create a personal account;
• purchase physical investment gold;
• monitor their assets;
• request custody;
• request physical delivery;
• request the buyback of gold;
• join the Membership programs;
• join the Partner Program;
• consult documentation and reports.

As also described in the Hareus Bullion information materials, the model is based on the direct ownership of physical gold, on vault custody and on buyback and digital management services.

Only individuals who are of legal age and legally capable of entering into contracts may use the website.

The Company may request identification documentation at any time.

Registration is required in order to use certain services.

The user warrants that:

• the data provided is truthful;
• they will keep the information up to date;
• they will safeguard their credentials;
• they will not allow third parties to use their account.

The Company may request:

• identity document;
• proof of residence;
• tax identification number;
• VAT number;
• banking documentation;
• further AML checks.

The account may remain suspended until the checks are completed.

The gold marketed represents physical investment gold.

The purchase entails ownership of the physical metal and does not constitute a financial product, a fund, an ETF or a derivative. This principle is also referenced in the Hareus Bullion documentation.

Prices may vary continuously depending on:

• the international fixing;
• the spot price;
• availability;
• logistics costs;
• market premiums.

The final price is the one confirmed by the platform at the time the order is accepted.

Each order becomes binding only after:

• payment confirmation;
• KYC verification;
• availability of the metal;
• confirmation by the Company.

Only authorised payment methods are accepted.

The Company may refuse payments coming from unverifiable sources.

Ownership of the metal is attributed to the Client only after:

• receipt of payment;
• allocation of the purchased quantity;
• registration on the platform.

The gold may be held in custody at specialised vaults.

Custody may involve periodic costs according to the plan subscribed by the Client.

The Client may request physical delivery of the gold.

The costs of:

• shipping;
• insurance;
• minting;
• logistics;

are borne by the Client unless otherwise indicated.

The Company may offer a buyback service.

The price will be determined on the basis of:

• the market quotation;
• the applicable spread;
• the prevailing economic conditions.

The platform may provide Memberships with different levels, economic conditions and benefits, in line with the Gold plans illustrated in the Hareus Bullion documentation.

Joining the Partner Program does not constitute an employment relationship.

The Partner operates as an independent collaborator.

It is prohibited to:

• promise guaranteed returns;
• collect money on behalf of the Company;
• provide financial advice without authorisation;
• use unauthorised advertising material.

The Client declares to understand that:

• the price of gold may rise or fall;
• no return is guaranteed;
• past results do not constitute a guarantee of future results;
• Hareus Bullion does not provide personalised financial advice.

These warnings are consistent with the disclaimer contained in the company documentation.

All the contents of the website, including:

• trademarks;
• logos;
• software;
• CRM;
• dashboard;
• images;
• texts;
• videos;
• documentation;

are the exclusive property of the Company or of their respective owners.

Any reproduction without written authorisation is prohibited.

The Company is not liable for damages arising from:

• Internet network interruptions;
• cyber attacks;
• force majeure events;
• errors attributable to the Client;
• fluctuations in the precious metals market;
• measures taken by the Authorities.

The Company may suspend or close the account if it detects:

• fraudulent use;
• breach of these Terms;
• money laundering activities;
• false documentation;
• breach of the applicable regulations.

The processing of personal data is governed by the Privacy Policy published on the website.

The use of cookies is governed by the Cookie Policy.

The Company reserves the right to amend these Terms and Conditions at any time.

Amendments will take effect from the date of publication on the website.

These Terms are governed by the applicable law identified by the contract and by the international rules of private law applicable to the relationship.

For any information:

HAREUS BULLION LTD, More London Riverside, London SE1 2PL, England, Company No. 13979379.

Or

CRONOMÉTRÀMANEIRA – UNIPESSOAL, LDA, Rua da Carreira n.º 115-117, Funchal (São Pedro), Madeira – Portugal.