📜 Terms of Service (TOS) for 24KX.Gold

1. Introduction

Welcome to 24KX.Gold ("Company", "We", "Us", "Our"). These Terms of Service ("Terms") govern your use of our platform, which allows users to buy, store, redeem, and sell physical gold in various forms, including gold grams, bars, and coins.

By accessing or using our platform, you agree to these Terms. If you do not agree, you may not use our services.

2. Eligibility & Account Registration

Age Requirement: You must be at least 18 years old to use our services.
KYC (Know Your Customer) Compliance: All users must complete identity verification before buying, selling, or redeeming gold.
Account Security: You are responsible for maintaining the confidentiality of your account login details.

3. Gold Purchases & Ownership

Fully Allocated Gold: When you purchase gold through 24KX.Gold, you own the physical gold, which is securely stored in licensed vaults.
Live Pricing: Gold prices fluctuate based on global market rates. Your order price is locked in at the moment of purchase.
Gold Purity: We offer 24K, 18K, and 14K gold, sourced from LBMA-certified refineries.
No Investment Advisory: We do not offer financial advice. Purchasing gold through 24KX.Gold is solely for ownership, not for speculative trading.

4. Gold Storage & Redemption

Vault Storage: Your gold is securely stored in third-party vaults. Storage fees may apply.
Physical Redemption: You may redeem your gold in bar or coin form and have it shipped to your registered address.
Gifting Gold: Users may transfer ownership of gold to friends via the app.
Delivery & Insurance: All shipped gold is insured during transit.

5. Selling Gold & Cash Withdrawals

Sell Back Option: Users can sell gold back to 24KX.Gold at real-time market prices.
Withdrawal Processing: Cash withdrawals will be processed via bank transfers and are subject to KYC approval.
Transaction Limits: We may impose daily or monthly sell limits to comply with regulations.

6. Fees & Pricing

Storage Fees: Users may be subject to a monthly vault storage fee.
Redemption Fees: Physical gold redemption and shipping fees apply.
Transaction Fees: A small buy/sell spread is included in pricing.

7. Refunds & Cancellations

All Gold Sales are Final: Due to market volatility, gold purchases cannot be refunded after confirmation.
Redemption Cancellations: Physical gold redemptions may be canceled before shipment, subject to a cancellation fee.

8. Compliance & Legal Disclaimers

AML & KYC Compliance: 24KX.Gold complies with U.S. Anti-Money Laundering (AML) laws and requires identity verification for all transactions.
Tax Obligations: Users are responsible for reporting capital gains taxes on gold sales per IRS regulations.
No Speculation or Futures Trading: 24KX.Gold does not offer margin trading, derivatives, or leveraged gold contracts.

9. Limitation of Liability

24KX.Gold is not responsible for:

Market fluctuations affecting gold prices.
Losses due to incorrect account information.
Delays in shipping due to external factors.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of New Mexico, USA. Any disputes shall be settled through binding arbitration.

11. Contact Information

For questions regarding these Terms, please contact us at support@24KX.Gold.

⚖ Compliance & Legal Disclaimers

This section ensures regulatory clarity:

🔹 AML/KYC Disclaimer

24KX.Gold is registered under FinCEN AML/KYC guidelines. All users must undergo identity verification before making transactions.

🔹 Gold Sourcing Disclaimer

All gold sold through 24KX.Gold is sourced from LBMA-certified refineries and complies with U.S. Mint purity standards.

🔹 Risk Disclosure

Gold prices are volatile. 24KX.Gold does not guarantee returns on gold purchases.

🔹 Tax Responsibility

Users are solely responsible for reporting capital gains taxes on gold sales per IRS guidelines.