GOLD SAVINGS PLAN™
TERMS OF USE
Effective Date: September 3, 2026
These Terms of Use ("Terms") govern access to and use of the Gold Savings Plan™ website, online platform, calculators, educational materials, account tools, content, and related services (collectively, the "Platform") operated by C-Gold Technologies LLC ("C-Gold," "GSP," "we," "us," or "our").
By accessing or using the Platform, you ("User," "Customer," or "you") acknowledge that you have read, understood, and agree to be bound by these Terms, together with any applicable Gold Savings Plan™ Customer Account Agreement, Terms & Conditions, purchase terms, promotional terms, privacy policy, disclosures, and other agreements applicable to the particular service or transaction.
If you do not agree to these Terms, you should not access or use the Platform.
1. GOLD SAVINGS PLAN™
Gold Savings Plan™ is a program designed to provide customers with a systematic method of acquiring and accumulating physical precious metals, including gold and silver. GSP is not a bank, savings bank, credit union, deposit-taking institution, securities broker, investment adviser, financial institution, or provider of investment-management services. The term "Savings" in Gold Savings Plan™ refers to the systematic accumulation of physical precious metals and does not mean or represent a bank savings account, deposit account, interest-bearing account, investment account, securities account, stored-value account, or other banking product. Customer purchases of precious metals are transactions involving physical commodities and are governed by the applicable Gold Savings Plan™ Customer Account Agreement.
2. ACCEPTANCE OF THE CUSTOMER ACCOUNT AGREEMENT
Use of the Platform does not by itself create a GSP customer account.
Where enrollment, purchase, recurring contributions, or other GSP services are requested, Customer must accept the applicable Gold Savings Plan™ Customer Account Agreement and satisfy any applicable enrollment, identity verification, payment, compliance, eligibility, and other requirements. In the event of a conflict between these Terms of Use and the Customer Account Agreement concerning a customer's actual GSP account or transaction, the Customer Account Agreement shall control with respect to that account or transaction.
3. ELIGIBILITY
You represent that you are legally capable of entering into a binding agreement and that the information you provide to GSP is accurate and complete. GSP may establish eligibility requirements for particular products, services, promotions, enrollment methods, contribution methods, delivery options, jurisdictions, or customer categories. GSP may decline, restrict, suspend, or terminate access or enrollment where permitted by applicable law and the applicable agreements.
4. PRECIOUS-METAL PURCHASES
Gold and Silver purchased through GSP are physical precious metals. Gold is generally purchased and accounted for in 1/100 troy-ounce increments, and Silver is generally purchased and accounted for in 1/10 troy-ounce increments, subject to the applicable product and transaction terms. Customer holdings may be maintained as a beneficial interest in pooled physical precious metals rather than individually segregated or specifically identified bars or rounds unless a separate written agreement provides otherwise. The quantity of precious metal acquired through a particular contribution depends upon the applicable purchase price, available product, transaction timing, contribution amount, and applicable terms.
5. PRICING AND PURCHASE SPREAD
GSP purchases and sells precious metals using pricing applicable at the time of the relevant transaction. The GSP purchase spread is currently 15%, as described in the Customer Account Agreement. The applicable purchase price is determined at the time of transaction execution. Pricing may change based upon market conditions and other factors. The purchase price paid by a Customer should not be assumed to be the same as a published spot price or other publicly reported reference price.
6. CONTRIBUTIONS AND PAYMENT PROCESSING
Customer contributions are accepted solely for purposes associated with the purchase and settlement of physical precious-metal transactions and related GSP services. GSP does not operate a general-purpose customer cash wallet, checking account, savings account, stored-value account, or general funds-transfer service. Payment methods may include credit card, debit card, ACH, direct deposit, wire transfer, or other payment methods made available by GSP for particular enrollment types. Funds may be processed through banks, payment processors, settlement accounts, or other financial-service providers for purposes of clearing, reconciliation, transaction settlement, refunds, or other operational purposes. The use of a bank or payment processor does not create a bank deposit relationship between Customer and GSP.
7. RESIDUAL CONTRIBUTION BALANCES
Because precious metals are purchased in specified increments and prices fluctuate, a contribution may result in a remaining amount that is insufficient to complete an additional eligible purchase increment. Such amount may remain available for application toward a subsequent eligible precious-metal purchase in accordance with the Customer Account Agreement. A residual contribution balance is an operational remainder associated with a precious-metal purchase transaction and is not intended to constitute a deposit, savings balance, investment balance, interest-bearing balance, stored-value balance, or general-purpose cash account.
No interest, dividend, yield, or other return is paid on a contribution or residual contribution balance.
8. NO INVESTMENT OR FINANCIAL ADVICE
Nothing contained on the Platform constitutes investment advice, financial advice, securities advice, tax advice, legal advice, accounting advice, or a recommendation to purchase or sell any precious metal. GSP does not determine whether precious metals are suitable or appropriate for any particular person. Customers are responsible for obtaining independent professional advice concerning their individual financial, tax, legal, and other circumstances.
9. HISTORICAL CALCULATOR
GSP may provide calculators, charts, illustrations, and other tools that allow Users to model hypothetical historical precious-metal accumulation. Historical calculator results are mathematical illustrations based on historical reference prices and selected assumptions. Historical results do not represent actual GSP customer performance, actual historical GSP transactions, or actual amounts any customer would have received. Historical calculations may differ materially from actual GSP transactions because they may not include actual retail purchase pricing, the GSP purchase spread, premiums, Bid/Ask differences, storage, taxes, shipping, insurance, conversion costs, liquidation costs, fees, or other expenses.
Past performance does not guarantee, predict, or establish future results.
10. FUTURE HYPOTHETICAL CALCULATOR
GSP may provide tools that permit Users to model hypothetical future precious-metal savings. A future scenario may permit Users to select a monthly contribution amount, number of years, annual growth assumption, or other mathematical inputs. The calculator may provide contribution ranges and annual growth assumptions that are changed from time to time, including user-selectable assumptions. Any annual percentage selected or displayed by the calculator is a mathematical modeling assumption only.
It is not a forecast, prediction, expected return, target, promise, guarantee, or representation by GSP concerning future precious-metal prices or performance. Any hypothetical future value, projected value, projected gain, appreciation amount, percentage increase, or similar result is illustrative only. Actual future precious-metal prices may be substantially higher or lower than the assumptions used by the calculator, including substantial declines.
11. CALCULATOR LIMITATIONS
Calculator results are dependent upon the assumptions and inputs selected or entered by the User. Actual results may differ materially from calculator results because actual contributions, purchase prices, metal quantities, transaction timing, market prices, fees, expenses, storage, taxes, product availability, Bid/Ask pricing, and liquidation prices may differ from the assumptions used. Calculator results are not necessarily an indication of the amount a Customer would receive upon liquidation. Actual liquidation is governed by the applicable Customer Account Agreement and the applicable Bid price at the time of liquidation.
12. MARKET INFORMATION
Where the Platform displays gold or silver prices, charts, market data, historical prices, or other market information, such information may be obtained from third-party or other reference sources and may be delayed, estimated, rounded, averaged, or otherwise different from prices applicable to an actual GSP transaction. Market information is provided for informational purposes and does not constitute an offer, solicitation, recommendation, or guarantee.
13. WEBSITE AND PLATFORM AVAILABILITY
GSP endeavors to maintain the availability and functionality of the Platform but does not guarantee uninterrupted or error-free operation. The Platform may occasionally be unavailable because of maintenance, upgrades, technical issues, third-party service interruptions, telecommunications failures, cybersecurity events, market-data interruptions, or circumstances beyond GSP's reasonable control. GSP may modify, suspend, discontinue, or replace portions of the Platform at any time, subject to applicable contractual obligations and law.
14. USER RESPONSIBILITIES
Users agree not to:
- provide false, misleading, or fraudulent information;
- impersonate another person;
- interfere with the security or operation of the Platform;
- attempt unauthorized access to another person's account;
- use automated means to improperly access or extract Platform information;
- introduce malicious code or other harmful material;
- use the Platform for unlawful purposes; or
- violate any applicable law, regulation, or contractual restriction.
15. INTELLECTUAL PROPERTY
The Gold Savings Plan™ name, trademarks, logos, designs, content, graphics, software, calculators, text, presentations, and other materials made available through the Platform are owned by or licensed to C-Gold or its respective licensors and are protected by applicable intellectual-property laws. Except as expressly permitted, Users may not reproduce, distribute, modify, publish, transmit, create derivative works from, commercially exploit, or otherwise use Platform content without prior written authorization.
16. THIRD-PARTY SERVICES
The Platform may contain or rely upon third-party services, including payment processors, financial institutions, technology providers, hosting providers, market-data providers, storage/depository providers, and other service providers. GSP is not responsible for the independent acts, omissions, policies, availability, or performance of third parties except to the extent required by applicable law or expressly assumed by written agreement.
17. LINKS TO THIRD-PARTY WEBSITES
The Platform may contain links to third-party websites or resources. Such links are provided for convenience and do not constitute an endorsement, representation, or guarantee by GSP regarding the third party or its products, services, content, security, availability, or practices.
18. PRIVACY
Information submitted through the Platform is subject to GSP's applicable Privacy Policy. Users should review the Privacy Policy before submitting personal information.
19. ELECTRONIC COMMUNICATIONS
By using the Platform, you consent to receive electronic communications relating to your use of the Platform, account, transactions, disclosures, notices, and other matters where permitted by applicable law. Electronic records, notices, acknowledgments, and signatures may be used to the extent permitted by applicable law.
20. DISCLAIMERS
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. GSP DOES NOT GUARANTEE THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR AVAILABLE AT ALL TIMES. GSP DOES NOT GUARANTEE ANY PARTICULAR PRECIOUS-METAL PRICE, APPRECIATION, ACCOUNT VALUE, LIQUIDATION PROCEEDS, OR FINANCIAL RESULT. NO HISTORICAL RESULT OR FUTURE HYPOTHETICAL SCENARIO CONSTITUTES A GUARANTEE OR PREDICTION OF FUTURE PERFORMANCE.
21. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GSP AND ITS AFFILIATES, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO USE OF THE PLATFORM, EXCEPT TO THE EXTENT SUCH LIMITATION IS PROHIBITED BY LAW.
Nothing in these Terms limits liability that cannot lawfully be limited or excluded.
22. INDEMNIFICATION
To the extent permitted by applicable law, User agrees to indemnify and hold harmless GSP and its affiliates, members, managers, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from User's unlawful use of the Platform, violation of these Terms, fraud, intentional misconduct, or violation of the rights of another person.
23. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be interpreted together with the applicable Gold Savings Plan™ Customer Account Agreement.
The governing law, arbitration provisions, class-action waiver, jury-trial waiver, venue provisions, and other dispute-resolution provisions applicable to a Customer's GSP account shall be governed by the applicable Customer Account Agreement, subject to applicable law.
24. CHANGES TO THESE TERMS
GSP may modify these Terms from time to time. Updated Terms will be posted through the Platform with an updated effective date.
Changes will apply prospectively except where otherwise permitted or required by applicable law. Material changes affecting an existing Customer's contractual rights may also be addressed through the applicable Customer Account Agreement or other legally required notice.
25. SEVERABILITY
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by law.
26. ENTIRE AGREEMENT
These Terms, together with the applicable Customer Account Agreement, Privacy Policy, promotional terms, disclosures, and other agreements expressly incorporated by reference, constitute the applicable agreement governing use of the Platform and related GSP services.