Terms

Welcome to The Gold Financial Group website. The Gold Financial Group, "GFG", is the most trusted, lowest cost source of investment grade bullion, silver bullion, and much more. By using this website, you agree to the following conditions.

Privacy Policy

Your privacy is important to us. Please review our privacy policy. Your use of this website constitutes acceptance of our privacy policy.

Electronic Communications

By using this website, you are communicating with us electronically and consent to receive communications from us electronically. You agree that all electronic communications including notices, disclosures, cancellation and market loss related policies that we provide to you electronically shall satisfy and legal requirements that such communications be in writing.

Copyright

All content presented on GFG including graphics, logos, images, audio clips, and slogans are the exclusive property of GFG or its affiliates and protected by international copyright laws.

Your Account

It is your responsibility to maintain the confidentiality of your account including username, password, and for restricting access to any computer you use to access your account or complete a transaction. By using our site, you agree to accept full responsibility for any activity which occurs on your account.

User Reviews/Generated Content

User reviews are the opinion of others and are not the opinion of GFG. GFG accepts no responsibility for the opinions of other users. Furthermore, User Generated Content may be published, shared or hosted on third party websites associated with GFG. Reviews can also be visible in public areas at GFG to all visitors. You knowingly acknowledge GFG does not guarantee confidentiality with respect to any User Generated Content submitted through GFG or affiliated third parties that GFG may use to collect said User Generated Content.

Disputes

• Any dispute or claim in any way to your use of GFG or to any products you purchase from thegoldfinancialgroup.com will be resolved by binding arbitration, rather than court, except that you may assert claims in small claims court if your claim would qualify. You agree that the Federal Arbitration Act and the laws of the state of California, without regard to principles of conflict of laws will govern these terms and conditions.
• Any credit card chargeback will be subject to a minimum $50 processing fee. Processing fee may be charged to the credit card used to place the order or added to the user's account balance at GFG's discretion.
• Any bounced check payment will be subject to a minimum $30 processing fee. Processing fee may be charged to the credit card used to place the order or added to the user's account balance at GFG's discretion.

Terms of Purchase

1.  

   When an order is confirmed, prices become locked-in and the order becomes a contractually binding agreement between the “buyer” and GFG. By placing an order either online or via telephone and agreeing to our terms and conditions, the customer enters into a contractually binding agreement with GFG and agrees to send GFG payment as contractually specified within 72 hours for orders placed via bank wire payment, within 7 business days for orders placed via Check, Cashier's check or money order payment, and at the time of order for PayPal, or Credit card and also agrees to GFG's cancellation policy that this confirmed transaction cannot be cancelled by the purchaser.

    

   GFG reserves the right in its sole discretion, to allow the dissolution of the contractually binding agreement between the "buyer" and GFG through the purchase of your outstanding order.

    

   All orders that fall outside of payment terms as described in GFG Payment Policies are eligible for GFG to purchase your outstanding order at the current Asking Price determined by GFG. Once the purchased outstanding order is confirmed and the value of the purchased order is used to offset the total balance due to GFG. The difference due to GFG is invoiced and due to GFG within (10) business days. If we do not receive payment within this timeframe, GFG reserves the right to send customer accounts to "collections" to retrieve cancellation fees. Should the order enter legal proceedings, the amount owed would increase by 50% and all attorney fees incurred by GFG would be the responsibility of the customer. Any market gains as a result of a cancelled order will remain the property of GFG.

    

   GFG reserves the right to decline, refuse or cancel any order with or without any reason, regardless of payment method, or order confirmation. GFG reserves the right to cancel any order deemed as questionable, suspicious, too significant of risk, incorrect in confirmed price, or if payment has not been received within a specified time frame.

    

   Cancellation must be filed via telephone during normal business hours. GFG will evaluate any request to cancel an order on a case-by-case basis and only under rare, extraordinary circumstances will a cancellation be approved.

2. GFG price quotes include any applicable taxes. The customer is solely responsible for any applicable taxes or duties that may be applicable to a transaction with GFG.

3. Due to continually changing market prices for precious metals, the offers made by GFG are only valid for a 3 minute duration. A spot price calculation is determined by GFG upon its sole and absolute discretion. Pricing on any website owned or operated by GFG, Inc is for informational purposes only.

4. GFG prides itself in providing the most up-to-date pricing for you and our staff. Occasionally, we do make mistakes and there may be a typographical or pricing error. Under these rare circumstances, GFG retains the right to cancel or refund an order. If a typographical, mathematical or other error is made in the calculation of a transaction, customer agrees to take all steps requested by GFG to rectify the error. Customer further agrees to hold GFG harmless from all damages or liability arising from such error.

5. Customer must notify GFG in writing within 7 business days after receipt of material of any discrepancy, claim, or dispute arising from a transaction. If no notification is received within 7 business days, customer agrees it is forever barred from bringing a claim for loss, damage, or other relief relating to such controversy, claim, or dispute.

6. The information provided by on any website owned or operated by GFG is for informational purposes only and is not intended as any form of advice, whether legal, accounting, investment, financial or tax advice. Therefore, it cannot be relied upon as such. The client should contact a licensed professional for such advice. The information provided by websites of GFG are provided on an "as is" basis without any warranty of any kind, whether express or implied and the use of this service and the GFG websites is entirely at client’s own risk. In no event will GFG be held liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of information contained on our websites or any publication.

7. Force Majeure: GFG shall not be liable to the other party for any failure to perform any obligation under any Agreement which is due to an event beyond the control of GFG including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. GFG shall forthwith inform the other Party and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein.

8. Free Shipping: Any free shipping offered on our website will not be applicable for any freight orders which would include, but not limited to bulk copper by the ton.

9. GFG reserves the right to combine any orders placed on the website shipping to the same address.

10. Larger Order Policy - A large order is defined as and order equal to or greater than $500,000 USD. If you are looking to place a trade of this size, please call and speak to a trader before placing the order. At GFG's discretion, we may require a 10% - 50% deposit via bank wire transfer before locking in the spot price of a large order. Also, larger orders may only be placed via the phone during our business hours.

11. Guest Checkout - please note that if you checkout as a guest on our website (ie: you do not log in to your account before placing the order), the order you checked out with as a guest will NOT show up under your customer account.

12. Every order as GFG is subject to manual and/or automated review. During this process, customers may be asked for additional information in order to approve or decline an order. GFG reserves the right to cancel any order for any reason.

13. Automated calls: By placing an order with GFG, each customer is giving express consent to GFG to use third party auto-dialer, voice broadcasting and/or automated phone services to contact the customer about an order placed with GFG. GFG will not use automated phone services for marketing/advertising purposes. The use of these systems is only for information or updates about an order placed with GFG.

14. Shipping to Post Office (PO) Boxes: Any shipment greater than $10,000 in value going to a PO Box will NOT be insured. Also, insurance on orders going to a PO Box only last until the order is received and signed for by USPS. 

15. If your order is shipped and is returned to GFG by carrier for an undeliverable reason code, or if you request a delayed shipment date, the order will incur a $30 per month storage and insurance fee from the original order date. 

16. Any order that needs to be re-shipped by GFG for an error which was not the fault of GFG will incur a re-shipment fee of $30.

17. In the event of an order error or omission determined solely by GFG, GFG reserves the right to use any banking or financial means possible to recover monies owed to GFG.

18. GFG collects sales tax based on the shipping address destination specified at checkout. You agree to indemnify GFG of any tax liability you are responsible for outside of the shipping delivery address you specify. Any tax liability you are responsibility for outside of the shipping destination will be handled directly by you as the customer.

19. Other Policies- By using this website you agree to all policies further detailed on GFG, including “Payments”, “Returns”, “Shipping & Handling”, and “Risk Disclosure”.

Terms of Sale to GFG
The following terms will apply to any metal GFG purchases from suppliers and customers.

1. When a buyback order is confirmed, prices become locked-in and the order becomes a contractually binding agreement between the “seller” and GFG. By placing an order either online or via telephone and agreeing to our terms and conditions, the customer enters into a contractually binding agreement with GFG and agrees to send GFG products as contractually specified.

All cancelled buyback orders are subject to a cancellation fee to cover any market loss GFG may or does incur by accepting the purchase order to buy from you in addition to a $30 administration fee. The market loss value is determined by the difference in market price from when the buyback is submitted with GFG and the time that the buyback is cancelled.  The total market loss value and administration fee due to GFG is invoiced and due to GFG within (10) business days. If we do not receive payment within this time-frame, GFG reserves the right to send customer accounts to "collections" to retrieve cancellation fees. Should the order enter legal proceedings, the amount owed would increase by 50% and all attorney fees incurred by GFG would be the responsibility of the customer. Any market gains as a result of a cancelled order will remain the property of GFG. It is at the sole discretion that you may not be permitted to to buy from or sell to GFG in the future due to cancelled buyback orders.

GFG reserves the right to cancel any buyback order after 14 business days of non-receipt of the metals the supplier/customer agreed to sell. Cancellation penalty will be applied to a credit card on file previously used to secure a buyback order or regular order either online or via telephone. GFG reserves the right to charge any valid credit card on file for applicable market loss and cancellation fees. Any market gains as a result of a cancelled order will remain the property of GFG.

Cancellation requests must be filed via telephone during normal business hours. GFG will evaluate any request to cancel an order on a case-by-case basis and only under rare, extraordinary circumstances will a cancellation be approved.

2. The supplier/customer agrees to insure the products they send to GFG, Inc. Insurance should include, but not limited to, loss of product or damage in transit.

3. The supplier/customer is solely responsible for any applicable taxes or duties that may be applicable on a transaction with GFG.

4. GFG prides itself in providing the most-up-to date pricing for you and our staff. Occasionally, we do make mistakes and there may be a typographical or pricing errors. Under these rare circumstances, GFG retains the right to cancel an order at our sole discretion for any reason.

5. Certification of AML Program

The United States has passed The USA Patriot of 2001 to deter and detect money laundering and the financing of terrorism. All precious metal dealers and pawn shops doing business in the United state that both buy and sell more than $50,000.00 in qualifying metals, stones, and/or jewels per year are required to have a written AML program. By selling metals to GFG, you agree to the following:

a. You have a written AML program that complies with the USA Patriot Act and the Bank Secrecy Act

b. You are exempt from coverage under the USA Patriot Act under the retail, industrial or other exemption specified in the Interim Final Rule for Dealers in Precious Metals, Stones, or Jewels 31 CFR 1027.100 or pursuant to an administrative exemption granted by the Financial Crimes Enforcement Network (FinCEN).

6. Gold Supply Chain Policy Statement Acknowledgement

Customer agrees that any precious metals sold by customer to GFG did not originate from one of the countries defined by 17-CFR-240 and 249b “Covered Countries”.  Customer understands they GFG will immediately terminate or suspend any company if we become aware of any upstream suppliers where we identify to be at a reasonable risk of sourcing from such countries.

Note: Calls to or from The Gold Financial Group may be monitored or recorded for quality assurance. 

The incentive program or bonus described herein (The “Program”) is available only for purchases from The Gold Financial Group (the “Company”) on or after February 5, 2020. To qualify, the following conditions must be met:

Provided the above conditions are met, the Company will ship a value of Metals (the “Incentive”) directly to the customer (for cash purchases) or to the applicable depository (for IRA purchases). The value sent by the Company depends on the amount of Metals purchased as follows (all amounts in US Dollars):

The Company reserves the right to suspend or eliminate the Program at any time and without notice. In that event, customers who made qualifying purchases prior to the termination of the Program will remain eligible to receive the Incentive.

These terms of use are subject to change at anytime without notice.