Effective Date: August 4, 2025

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1. Introduction

These Terms & Conditions govern the gold hedging service ('Service') provided by GFTAVa ('We', 'Us', 'Our') to clients ('You', 'Your'). By using this Service, You agree to these Terms.

2. Nature of Service

- GFTAVa acts solely as a buying agent to purchase physical gold bullion on Your behalf.
- Purchased gold will be held in the storage facility of an independent third-party gold dealer ('Gold Dealer, Custodian, Exchange or a gold bank) selected by You or recommended by Us, and we trade through a regulated or an organized exchange.
- GFTAVa does not provide investment management, advisory services, or act as a custodian for Your gold and in most jurisdictions, physical gold assets is not a regulated or a licensed activity (e.g., The UK Gold Excahange).

3. Client Decision & Hedging

- The choice to hedge part of Your funds into gold is entirely Your decision.
- You are responsible for deciding the percentage of funds to be converted into gold.
- Gold prices can rise or fall due to market and economic conditions, and You bear all associated risks.
- Clients may choose to hedge other of their activities with gold by a certain percentage or hold the total quantity in gold.
- A contract note can be sent to the client indicating the market, the exchange, and the jurisdiction where the gold is sourced or hedge.

4. Ownership & Storage

- Upon purchase, legal ownership of the gold transfers to You.
- Storage, security, and insurance of the gold are managed directly by the Gold Dealer, Custodian, or Exchange.
- GFTAVa is not responsible for gold once it is delivered to or stored with the Gold Dealer, Custodian, or Exchange.
- If a client requests physical delivery, they will be responsible for all delivery and associated charges.

5. Payments & Settlement

- Payments for gold must be made via approved payment methods stated by GFTAVa or directly to the Gold Dealer.
- Any applicable anti-money laundering (AML) or know your customer (KYC) requirements in Your jurisdiction must be complied with before purchase.
- Payment made for gold can only be used to purchase the gold in full.
- The price of gold is not determined by GFTAVa or its legal entity, but GFTAVa may charge a markup commission for profit.
- The gold can be sourced from any location where GFTAVa has access to operate.
- Clients may choose to resell the gold to GFTAVa.

6. AML/KYC Compliance

- GFTAVa complies with applicable AML/KYC regulations in relevant jurisdictions.
- You agree to provide any identification, proof of address, and documentation requested for verification before gold can be purchased.

7. Fees & Charges

- GFTAVa may charge a service fee for acting as an agent in gold purchases.
- Storage, insurance, and delivery fees are determined by and payable to the Gold Dealer, Custodian, or Exchange.

8. No Guaranteed Returns

- This Service does not guarantee profits or returns from gold price movements.
- GFTAVa is not liable for market losses or changes in gold value after purchase.

9. Risk Disclaimer

- The value of gold can fluctuate due to global market, currency, and geopolitical factors.
- Past performance does not guarantee future results.
- You accept all risks associated with gold ownership.

10. Limitation of Liability

- GFTAVa’s responsibility is limited to executing the purchase according to Your instructions.
- GFTAVa is not liable for any loss, theft, or damage to gold once delivered to the Gold Dealer, Custodian, or Exchange, or from hedging activities.

11. Governing Law

- These Terms are governed by the laws of the jurisdiction in which GFTAVa operates or as mutually agreed.
- Any disputes will be resolved through arbitration or courts as applicable.
- These Terms can be adjusted at any time, and updated versions will be made available to clients.

Do not go Further if you do not agree with these terms and conditions stated.