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These General Terms and Conditions ("Terms") govern the sale and purchase of investment gold bars, and coins ("Products") between ATH INVEST d.o.o., located at Dunajska cesta 106, 1000 Ljubljana, Slovenia, registration number: 9760784000 ("Seller"), and any individual or entity ("Buyer") engaging in transactions either through the Seller's online platform at www.crypto2gold.eu ("Website") or in person at the Seller's business premises. These Terms are drafted in accordance with the Consumer Protection Act (ZVPot-1), the Personal Data Protection Act (ZVOP-2), and the General Data Protection Regulation (GDPR).
ATH INVEST d.o.o. operates an online investment gold trading platform that caters to customers in the European Union while ensuring compliance with stringent KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations. The company is officially registered in the Register of Virtual Currency Service Providers under the Ministry of Finance of Slovenia via the Office for Money Laundering Prevention of the Republic of Slovenia. The business model is structured to ensure full compliance with legal and regulatory requirements while offering a seamless and secure transaction experience. The company sources investment gold from reputable suppliers offering Good Delivery Standard.
All transactions on the platform are processed in Euros (EUR) regardless of the payment method chosen by the customer. The platform accepts payment via credit/debit cards (Stripe) and cryptocurrencies (Crypto.com, Triple-A), but the company never directly holds or processes cryptocurrency payments, as all crypto transactions are converted into EUR before settlement. All payment partners are licensed and maintain the highest industry standards.
How It Works: The Website allows users to view product prices, available products, and relevant policies without registration. To proceed with a purchase, a user must add products to the shopping cart and register an account. During registration, users undergo a comprehensive identity verification process, which includes submitting a valid government-issued identification document. The verification process ensures identity authentication, biometric verification, and proof-of-life checks, facilitated through Stripe Identity.
Additionally, users must provide information about the purpose of the transaction, the source of funds, and employment details. Politically exposed persons (PEPs) must declare their status and undergo additional screening and verification via online forms. This ensures a thorough KYC and AML compliance process for every customer.
Once the verification process is completed successfully, the user gains access to the final purchase step, where they can choose between local pickup or secure vault storage and select the preferred payment method. Before dispatching or releasing the product, the customer data undergoes another internal verification check, and the company proceeds in accordance with its internal compliance policies.
Product prices are influenced by market fluctuations beyond the Seller's control, primarily based on LBMA prices. The Seller's Price List is updated every five minutes to reflect these changes and is accessible on the Website www.crypto2gold.eu/pricing.
All prices are quoted in euros (€). Investment gold in the form of bars and coins is exempt from VAT under Articles 118 and 119 of the VAT Act (ZDDV-1).
An Order is considered confirmed when the Customer pays the specified amount within three hours of placing the Order, but no later than 4:30 PM on the same business day. After this period, the Seller's offer is no longer valid and does not bind the Seller. Failure to do so may result in cancellation.
The sales contract is deemed concluded upon the Seller's receipt of payment, at which point the Buyer agrees to these Terms.
Regardless of the payment method, all transactions are processed in euros (€).
Due to the nature of investment gold Products, returns are not accepted once stored at vaults or collected.
Customers should contact the Seller's customer service immediately to initiate cancellation, which is possible only before Seller orders Buyer’s Products at any of their Suppliers.
The Seller is responsible for ensuring that the delivered Products comply with the specifications outlined in the Order. Any material defects must be reported within the statutory time limits as defined in the Slovenian Consumer Protection Act (ZVPot-1). The Buyer must submit a written claim with supporting evidence.
The Seller is not liable for any losses or damages arising from the use or inability to use the Website or services, to the maximum extent permitted by law.
The Seller strives to ensure continuous availability of the Website and services but does not guarantee uninterrupted access. The Seller is not responsible for any indirect or consequential damages resulting from the use of the Website, delays in transaction processing, or fluctuations in market prices of gold. The Buyer acknowledges that investments in precious metals carry inherent risks related to price volatility.
In accordance with Article 43.č of the Consumer Protection Act (ZVPot-1), the Buyer does not have the right to withdraw from a concluded purchase due to the nature of the Products as financial instruments subject to market fluctuations.
The laws of the Republic of Slovenia govern the relationship, rights, and obligations between the Buyer and the Seller. The Buyer and the Seller will attempt to resolve any disputes amicably. If an amicable resolution is not possible, the competent court in the Republic of Slovenia shall have exclusive jurisdiction, applying Slovenian law. The official language for concluding sales contracts is Slovenian.