Terms of Use

TERMS AND CONDITIONS | LEGAL TERMS

Save In Gold FZCO, operating under the business names “Save In Gold” and “Save In Gold LLC” (collectively referred to as the “Company,” “we,” “us,” or “our”), is a company duly incorporated and operating in the United Arab Emirates, conducting its business activities in full compliance with applicable UAE laws and regulatory requirements governing precious metals trading, financial transactions, and related services; the Company’s registered office and principal place of business is located at M-24, The Gold Center Building, Mezzanine Floor, Al Ras Head Office, Dubai, United Arab Emirates. Through its integrated E-Commerce Store, including its website, mobile application, and authorized service channels, the Company facilitates the purchase, accumulation, management, and redemption of precious metals, primarily gold bullion, enabling clients to seamlessly transact, hold, and manage their precious metals holdings, all of which are subject to the applicable Terms and Conditions, internal policies, and regulatory obligations governing the Company’s operations.

We operate:

• the website https://saveingold.ae/ (the “Site”),
• the mobile application Save In Gold (the “App”),
• and any other related products, services, digital tools, retail interfaces, savings plans, and customer portals that refer or link to these Legal Terms (collectively, the “Services”).

You may contact us by:

• Phone: +971 56 168 0743
• Email: https://saveingold.ae/

These Terms and Conditions (“Legal Terms”) constitute a legally binding agreement between you, whether acting in your individual capacity or on behalf of an entity (“User”, “you”), and Save In Gold FZCO (“SIG”, “Company”, “we”, “us”, or “our”), governing your access to and use of the Company’s integrated E-Commerce Store, including its website, mobile application, and all related products and services (collectively, the “Services”).

By accessing, registering for, or using any part of the Services, you acknowledge that you have read, understood, and agreed to be bound by these Legal Terms, as well as any additional policies, product-specific conditions, or operational rules communicated through the E-Commerce Store; such acceptance constitutes your consent to participate in and be governed by the operational, transactional, and compliance framework of the Save in Gold ecosystem. If you do not agree to these Legal Terms in their entirety, you must immediately cease access to and use of the Services.

The Company reserves the right, at its sole discretion, to modify, amend, or update these Legal Terms at any time in response to operational, regulatory, or business requirements; any such changes shall become effective upon publication through the Company’s website or application, and continued use of the Services following such updates shall constitute acceptance of the revised Legal Terms, with the most current version identified by the “Last Revised” date.

Access to and use of the Services is strictly limited to individuals who are at least eighteen (18) years of age or entities duly authorized under applicable laws; by using the Services, you represent and warrant that you meet this eligibility requirement and possess the legal capacity to enter into binding agreements. Users are responsible for ensuring that their access to and use of the Services complies with all applicable laws, regulations, and jurisdictional requirements, and are encouraged to review these Legal Terms periodically to remain informed of any updates or changes.

For record-keeping and reference purposes, users are advised to retain a copy of these Legal Terms.

Save In Gold FZCO (“SIG”) operates an integrated E-Commerce Store designed to facilitate the end-to-end lifecycle of precious metals ownership, including the purchase, accumulation, management, conversion, and redemption of gold bullion through secure electronic channels such as its official website, mobile application, and other authorized interfaces; this ecosystem enables clients to seamlessly participate in structured gold savings and accumulation programs, allowing the acquisition of precious metals in both full units and fractional denominations (including gram-based holdings), through one-time transactions or recurring arrangements that systematically convert fiat currency into beneficial ownership of physical gold.

Within this ecosystem, clients are provided with a unified E-Commerce Store to manage their holdings, including the ability to buy, sell, redeem, convert, withdraw, or request physical delivery of eligible metals, subject to defined operational parameters, minimum thresholds, applicable fees, and compliance requirements; all holdings reflected within the ecosystem represent beneficial ownership of underlying physical precious metals maintained under secure and approved custody arrangements, supported by robust internal reconciliation mechanisms, inventory alignment controls, and account-level reporting to ensure accuracy, transparency, and operational integrity.

The SIG ecosystem further incorporates comprehensive account management capabilities, enabling clients to securely access their accounts, monitor real-time balances, review transaction histories, manage savings plans, and execute transactions, while also providing access to educational resources, market insights, and customer support services to enhance user engagement and understanding of precious metals markets; such information is provided for general informational purposes only and does not constitute financial, legal, or investment advice, and SIG does not provide advisory services or recommendations in relation to trading decisions.

The ecosystem is supported by a framework of operational, technological, and compliance controls aligned with applicable regulatory requirements governing precious metals trading within the United Arab Emirates, including AML/CFT obligations; access to and participation within the ecosystem is limited to users in jurisdictions where SIG is authorized to operate, and the E-Commerce Store and its services are not intended for use in any jurisdiction where such access would contravene applicable laws or impose additional regulatory obligations on SIG; users accessing the ecosystem from outside the United Arab Emirates do so at their own initiative and are solely responsible for ensuring compliance with all applicable local laws and regulations.

Risk Disclosure Statement:
All transactions conducted through the E-Commerce Store involve inherent market risk. Depositing funds into the Save in Gold account does not constitute a deposit product and does not guarantee any returns or profits. The Company does not provide financial, investment, or trading advice, nor does it recommend or endorse any transaction. All trades are executed solely at the user’s discretion and risk, and users are expected to exercise appropriate judgment and caution before entering into any transaction. The price of gold and other precious metals is subject to fluctuations based on international market conditions, including benchmarks such as London Bullion Market Association (LBMA) pricing mechanisms. Users are strongly advised to trade responsibly, considering market volatility, pricing movements, and their own financial position.

Access to and use of the Services provided by Save In Gold FZCO (“SIG”) are subject to compliance with the applicable laws and regulatory framework of the United Arab Emirates, and by accessing or using the E-Commerce Store and its integrated ecosystem, users acknowledge and agree that their participation is conditional upon meeting all legal, regulatory, and compliance requirements applicable to SIG as a provider of precious metals trading and related services; SIG reserves the right, at its sole discretion and in accordance with applicable legal and regulatory obligations, to restrict, suspend, limit, or refuse access to the Services where necessary to comply with laws, regulatory directives, sanctions regimes, internal compliance procedures, or the Company’s risk management framework.

To maintain compliance with obligations relating to Anti-Money laundering, counter-terrorist financing, and financial crime prevention, SIG may require users to complete customer due diligence procedures prior to accessing certain features or executing transactions within the ecosystem; such procedures may include, but are not limited to, identity verification, sanctions and politically exposed person screening, and verification of source of funds or source of wealth, along with enhanced due diligence measures where the user’s risk profile, jurisdiction, or transaction characteristics warrant additional scrutiny; SIG may also impose transaction limits, verification thresholds, or additional documentation requirements as a condition for accessing specific products, services, or transaction volumes available on the E-Commerce Store.

Users further acknowledge that the Services offered by SIG are limited to facilitating precious metals purchases, savings, accumulation, and related transactions through the E-Commerce Store, and nothing contained within these Legal Terms shall be interpreted as establishing a banking relationship, deposit-taking arrangement, securities account, investment advisory mandate, custodial fiduciary relationship, or any other regulated financial services relationship unless expressly confirmed in writing by SIG; the Services and information made available are intended solely for general use in connection with precious metals transactions and do not constitute financial, investment, legal, or tax advice.

SIG does not provide recommendations or advisory services, and does not guarantee any investment performance, profitability, or return, and all transactions executed within the ecosystem are undertaken at the sole discretion and risk of the user; users are responsible for conducting their own assessment, exercising due care, and ensuring that their use of the Services aligns with their financial circumstances and applicable legal obligations.

All intellectual property rights associated with the Services and the integrated E-Commerce Store operated by Save In Gold FZCO (“SIG”), including the underlying technology, systems, and materials made available through its E-Commerce Store, are the exclusive property of SIG or are lawfully licensed to it; this includes, without limitation, all source code, software architecture, application logic, databases, algorithms, user interface elements, text, graphics, designs, images, audio-visual content, E-Commerce Store features, and all other materials accessible through the website, mobile application, or related Services (collectively, the “Content”), as well as all trademarks, logos, brand names, service marks, trade names, and distinctive identifiers (collectively, the “Marks”), which are proprietary to SIG or its licensors.

The Content and Marks are protected by applicable copyright, trademark, intellectual property, and unfair competition laws within the United Arab Emirates and other relevant jurisdictions, and are made available strictly on an “as is” basis for lawful, personal, and non-commercial use by authorized users within the scope of the Services.

Subject to strict compliance with these Legal Terms, SIG grants users a limited, revocable, non-exclusive, and non-transferable licence to access and use the Services and, where expressly permitted, to download or print limited portions of the Content solely for personal use connected with the intended use of the E-Commerce Store; such licence does not confer any ownership rights and must not be used for any commercial purpose or for any activity that may infringe, dilute, or otherwise violate SIG’s intellectual property rights. Except where expressly authorized in writing by SIG, users shall not copy, reproduce, republish, upload, post, publicly display, translate, transmit, distribute, sell, license, sublicense, modify, reverse engineer, decompile, create derivative works from, or otherwise exploit any part of the Services, Content, or Marks for any purpose, whether commercial or non-commercial; any unauthorized use shall constitute a material breach of these Legal Terms and may result in immediate suspension or termination of access to the Services, in addition to civil and/or criminal liability under applicable laws.

By accessing or using the Services and the integrated E-Commerce Store of Save In Gold FZCO (“SIG”), the user represents and warrants that all information provided during registration, onboarding, or ongoing use of the E-Commerce Store is true, accurate, current, and complete, and undertakes to promptly update such information to ensure it remains accurate and not misleading at all times. The user further represents that they possess full legal capacity and authority to enter into these Legal Terms and to conduct transactions through the E-Commerce Store, and confirms that they are at least eighteen (18) years of age and legally permitted to enter into binding agreements under the laws applicable to them; the user agrees to access and use the Services solely in their own capacity and shall not utilize automated systems, bots, scripts, scraping tools, or any non-human means to access, interact with, or extract data from the E-Commerce Store, except where expressly authorized in writing by SIG.

The user represents and warrants that the Services will not be used for any unlawful, fraudulent, deceptive, or unauthorized purpose, and that all use of the E-Commerce Store shall be in full compliance with applicable laws, regulations, and compliance obligations, including those relating to Anti-Money laundering, counter-terrorist financing, sanctions compliance, and financial crime prevention; the user further confirms that all funds used in connection with transactions originate from lawful sources and are not derived from or connected to any illegal activity, including money laundering, terrorism financing, fraud, bribery, or corruption.

The user additionally represents that they are not subject to any sanctions, regulatory restrictions, or legal prohibitions that would render their use of the Services unlawful, including any restrictions arising under applicable national laws, international sanctions regimes, or regulatory directives prohibiting participation in financial or precious metals transactions.

The user acknowledges that SIG reserves the right to conduct verification, monitoring, and ongoing due diligence in line with its legal and regulatory obligations, and that any failure to provide accurate, complete, or verifiable information, or any breach of the above representations, may result in immediate restriction, suspension, or termination of access to the Services. Without prejudice to any other rights or remedies available under applicable law, SIG reserves the right, at its sole discretion, to suspend, restrict, or terminate the user’s access to the Services where any information provided is false, inaccurate, incomplete, misleading, outdated, or incapable of verification, or where SIG reasonably determines that continued access may expose the Company to legal, regulatory, financial, or reputational risk.

In order to access and utilize certain features of the Services provided by Save In Gold FZCO (“SIG”), users may be required to register and maintain an account within the E-Commerce Store; by creating and operating an account, the user agrees to maintain strict confidentiality and security of all account credentials, including passwords, personal identification numbers (PINs), one-time passwords (OTPs), authentication codes, and any other security information, and acknowledges that safeguarding such credentials and preventing unauthorized access is the user’s sole responsibility.

The user further agrees that they shall be fully responsible for all activities, transactions, and instructions executed through their account, whether initiated directly or through the use of valid authentication credentials, unless the user can demonstrate, to SIG’s reasonable satisfaction, that such activity occurred without authorization and despite the user having exercised appropriate security controls; the user shall immediately notify SIG upon becoming aware of or suspecting any unauthorized access, attempted breach, account compromise, misuse of credentials, or any other security incident, and shall cooperate fully with any investigation or remedial action undertaken by the Company.

SIG reserves the right, at its sole discretion and in line with applicable legal, regulatory, and compliance requirements, to reject, suspend, restrict, modify, reclaim, or terminate any account, username, or account identifier that is deemed inappropriate, misleading, duplicative, fraudulent, non-compliant, or otherwise objectionable, or where such action is necessary to protect E-Commerce Store integrity, enforce regulatory obligations, prevent misuse, or mitigate legal, operational, or reputational risk.

The user acknowledges that SIG may implement additional security controls, including multi-factor authentication, transaction verification, account monitoring, and risk-based access restrictions, and may temporarily block or limit account access where suspicious activity, compliance concerns, or security risks are identified; SIG shall not be held liable for any loss arising from unauthorized access resulting from the user’s failure to maintain adequate security over their credentials or devices used to access the Services.

Save In Gold FZCO (“SIG”) makes reasonable efforts to ensure that all information presented through its E-Commerce Store regarding precious metals products and services, including product descriptions, pricing, purity specifications, unit sizes, availability, and related service features, is accurate and presented in good faith; however, due to the dynamic nature of precious metals markets and operational factors, SIG does not guarantee that all product listings, descriptions, or service features will always be completely error-free, continuously updated, or uninterrupted at all times. All products offered through the E-Commerce Store, as well as any precious metals holdings maintained within a user’s account, are subject to operational and market-related conditions, including product availability, prevailing market conditions affecting pricing or supply, fabrication and minting constraints, logistical considerations relating to storage and delivery, applicable regulatory and compliance checks, and SIG’s operational capacity to provide specific products or services at any given time; accordingly, certain products, quantities, or service features may be temporarily limited, modified, or unavailable.

Where the E-Commerce Store enables the accumulation of gold or other precious metals in fractional or gram-based holdings, the balance displayed within a client’s account represents the quantity of precious metals recorded in SIG’s internal systems and is maintained subject to internal accounting records, reconciliation procedures, custody arrangements, and final settlement of transactions; SIG maintains appropriate operational and reconciliation controls to ensure alignment between customer holdings and underlying physical precious metal inventories held in custody or through approved storage arrangements.

All gold purchased through the E-Commerce Store is fully backed by corresponding physical gold, and upon successful payment by the customer, the equivalent quantity of gold is allocated within the system and reflected under the customer’s account as an open position; such open positions represent actual underlying gold holdings and are not leveraged in any form, and the quantity of gold allocated remains fixed and is not subject to change based on subsequent market price fluctuations, although the monetary valuation may vary based on prevailing market prices.

The customer may, at their discretion, choose to close the open position by fixing or liquidating the gold through the E-Commerce Store, and may elect one of the following options: (i) request physical collection by visiting SIG’s designated office locations, (ii) request delivery of the gold to a specified address through SIG’s approved logistics partners, or (iii) liquidate the position and withdraw the equivalent funds to their registered bank account, subject to applicable terms, conditions, and fees.

In circumstances where physical bullion allocation applies, the allocation and ownership structure shall be governed by the applicable product structure, custody model, storage arrangements, and operational procedures, which may include allocated or pooled holdings depending on the nature of the product.

Customers may elect to retain their gold holdings within SIG’s custody for various legitimate and practical reasons, including but not limited to security considerations, avoidance of physical handling risks, ease of liquidity and transaction execution, logistical convenience, audit traceability, and compliance with safe storage practices; where customers choose to retain such holdings within the E-Commerce Store, SIG provides access to secure vault storage facilities, and under the standard product offering, no storage fee is charged to the customer unless otherwise expressly specified under a particular product or service.

SIG reserves the right, at its sole discretion and without prior notice where necessary, to modify, suspend, limit, or discontinue any product, feature, or service available through the E-Commerce Store, and such actions may be undertaken for operational, regulatory, compliance, or risk management reasons, or where required to ensure the proper functioning, security, and integrity of the E-Commerce Store and the Services.

Save In Gold FZCO (“SIG”) may accept payments for transactions conducted through its E-Commerce Store using various approved payment channels, including, where available and supported, credit cards, bank transfers, Apple Pay, Google Pay, licensed payment gateways, and other approved digital payment mechanisms, and users acknowledge that both deposits into the E-Commerce Store and purchases of precious metals may be facilitated through these channels, subject to operational availability, regulatory requirements, and system integrations applicable at the time. Unless otherwise explicitly stated, all payments shall be denominated and settled in United Arab Emirates Dirhams (AED), and where payments originate in other currencies, applicable currency conversion shall be undertaken by the respective payment provider or financial institution.

The E-Commerce Store further provides access to SIG’s E-Souk Store (E-Commerce Store) available through its website and mobile application, where customers may browse and select the type of gold they intend to purchase, including specifications such as purity, product format, and design options, subject to availability; customers may complete such purchases either through fresh payment using the approved payment methods or by liquidating their existing gold holdings within the E-Commerce Store, in which case the equivalent value of the customer’s gold ownership shall be applied toward the selected purchase.

By conducting transactions through the E-Commerce Store, the user confirms that all billing, payment, and account information provided is complete, accurate, and up to date, and authorizes SIG and its appointed third-party payment processors to charge the selected payment method for all applicable amounts, including the purchase price of precious metals, transaction fees, market spreads or premiums, delivery charges (where applicable), and any taxes, duties, or statutory charges under applicable law.

SIG reserves the right, at its sole discretion and in accordance with its operational policies and regulatory obligations, to refuse, decline, cancel, or place on hold any transaction or payment request, including imposing quantity limits or rejecting payment attempts where required; SIG may also request additional supporting documentation, including identity verification, payment source validation, or source of funds evidence, particularly where required for AML/CFT compliance or internal risk management, and settlement of transactions may be delayed where subject to compliance review, fraud prevention controls, or security verification.

In the event of pricing inaccuracies, system errors, technical malfunctions, or incorrect information displayed on the E-Commerce Store, SIG reserves the right to correct such errors and amend the transaction accordingly, including after payment has been initiated or received, and may provide the user with the option to reconfirm or cancel the transaction following such correction.

The Temporary Credit Facility (“TCF”) is a discretionary service offered by Save in Gold (“SIG”) to facilitate transactions where a customer initiates a bank transfer to their account but the funds are yet to be reflected in SIG’s bank account due to processing timelines; upon submission of a valid SWIFT copy through an authorized communication channel and subject to SIG’s verification and approval, SIG may provisionally credit the equivalent amount to the customer’s account for the purpose of purchasing gold on the E-Commerce Store, provided that such temporary credit shall remain strictly non-withdrawable in any form, including funds, gold, or gifts, until the actual receipt of funds by SIG; if the transferred funds are not received within one (1) business day from the date of transfer, SIG shall notify the customer of non-receipt, and if the funds remain uncredited by Day 2, SIG reserves the right to place the corresponding amount under lien, restricting its use, and further, if the funds are not received within four (4) calendar days, SIG shall have the unconditional right to liquidate or close all positions held by the customer without prior notice and apply the proceeds towards recovery of the temporary credit extended, with the customer remaining fully liable to immediately settle any shortfall or outstanding amount; this facility is extended entirely at SIG’s sole discretion, may be withdrawn at any time, is subject to applicable AML/CFT verification and controls, and while there is no predefined deposit limit, all approvals remain subject to SIG’s internal risk assessment, and the customer acknowledges that submission of a SWIFT copy represents a genuine transfer and accepts full responsibility for any delay, failure, reversal, or misuse, which may result in account restrictions, recovery actions, and regulatory reporting where required.

Where the Services provided by Save In Gold FZCO (“SIG”) permit the physical delivery or collection of precious metals, such fulfilment shall be subject to operational, logistical, and compliance conditions determined by SIG, including but not limited to minimum quantity thresholds, product availability, fabrication or minting lead times, operational cut-off times, successful completion of identity verification, confirmation of transaction settlement, and payment of applicable delivery, handling, insurance, or administrative fees, and SIG may require additional verification or documentation in line with internal security protocols and regulatory obligations; SIG retains full discretion to determine the fulfilment method applicable to each transaction, which may include in-store collection at designated locations, withdrawal from approved storage or vault facilities, local delivery within designated service areas, shipment through authorized third-party courier or logistics providers, or conversion of holdings into another eligible product format, with the available option varying based on product type, quantity, and prevailing operational procedures; all delivery or collection timelines communicated through the Services are indicative only and not guaranteed, as timelines may be impacted by factors beyond SIG’s control, including product availability, market demand, fabrication capacity, customs clearance, compliance checks, courier availability, and force majeure events such as natural disasters, transportation disruptions, or regulatory restrictions; however, subject to successful verification, settlement, and operational readiness, SIG shall endeavour to arrange delivery within one (1) to five (5) working days from the date a valid delivery request is accepted, and such delivery shall be executed exclusively through SIG’s approved and qualified service vendors; the transfer of title, risk of loss, and all conditions governing delivery or collection shall be subject to the specific operating rules applicable to each product, including custody arrangements, delivery procedures, and settlement requirements, which shall be communicated through the Services and shall form an integral part of the governing product terms.

All withdrawal requests submitted during official working hours shall be processed within two (2) working hours on the same business day, subject to successful system validation, account status, and completion of required checks; any withdrawal request submitted outside working hours shall be processed on the next working day. Any request for cancellation of a withdrawal must be communicated strictly through the customer’s registered email ID, and such cancellation shall be subject to confirmation by SIG prior to execution of the withdrawal. All withdrawals and settlements are subject to completion of KYC/CDD requirements, internal verification checks, and AML/CFT screening controls, and SIG reserves the right to delay, suspend, or reject any transaction where there are reasonable grounds for suspicion, incomplete documentation, or regulatory concerns. Settlement of funds shall be made only to the customer’s verified bank account registered with SIG, and third-party transfers are strictly prohibited. Where applicable, settlement timelines may be influenced by bank processing cycles, cut-off times, and intermediary banking channels, and SIG shall not be responsible for delays arising from the banking system.

In the case of gold liquidation or conversion into funds, the settlement value shall be calculated based on the prevailing market price at the time of execution, after deducting any applicable fees, charges, as defined in the pricing structure. All withdrawal-related charges, including but not limited to bank transfer fees, intermediary charges, and administrative costs, shall be fully borne by the customer and may be deducted from the settlement amount or collected separately by SIG. SIG reserves the right to apply transaction limits, enhanced due diligence measures, or additional verification requirements for high-value or unusual transactions in line with its risk-based approach. Further, SIG may temporarily restrict or defer withdrawals where the account is subject to review, ongoing investigation, regulatory inquiry, or where transactions are flagged under internal monitoring systems. All settlement and withdrawal activities shall be conducted in accordance with applicable UAE laws and regulatory requirements, and customers shall remain fully responsible for ensuring that their account details and supporting documentation remain accurate and up to date.

Due to the nature of precious metals trading and the continuous fluctuation of live market prices, all transactions executed through the Save In Gold FZCO (“SIG”) E-Commerce Store, including purchases, sales, conversions, or liquidation of gold holdings, are generally final, binding, and non-cancellable once confirmed within the system; pricing is determined in real time based on prevailing global market benchmarks and execution occurs instantaneously as part of standard bullion trading practices, and accordingly, once a transaction has been executed and recorded within the E-Commerce Store, it cannot ordinarily be reversed, amended, or refunded.

Users acknowledge and agree that the E-Commerce Store operates within a real-time trading environment, including transactions executed through the E-Souk Store, and that any purchase whether made through fresh payment or through liquidation of existing gold holdings constitutes a confirmed instruction, and the corresponding allocation or disposition of gold shall be treated as final upon execution.

As a general rule, refunds are not available following the execution of any transaction; however, in strictly limited and exceptional circumstances, including verified technical errors, system malfunctions, or operational discrepancies directly attributable to SIG, the Company may, at its sole discretion and subject to internal review and compliance approval, consider a request for transaction reversal or refund. Any such exception shall be assessed in accordance with SIG’s internal controls, AML/CFT obligations, and risk management procedures, and approval shall not be construed as a waiver of the general policy of transaction finality; where a refund is approved, SIG reserves the right to apply appropriate adjustments to the refundable amount, which may include deductions for market price movements between execution and reversal, applicable spreads or premiums, transaction processing costs, payment gateway or banking charges, and administrative or operational expenses incurred in relation to the transaction.

The method, currency, and timing of any approved refund shall be determined solely by SIG in line with its operational procedures, and refunds shall be processed only to the original payment source or the user’s verified bank account, subject to applicable regulatory and compliance requirements. Nothing in this clause shall limit SIG’s right to refuse, suspend, or place on hold any transaction prior to execution in accordance with its compliance obligations, nor shall it affect the Company’s right to take corrective action in the event of system errors, pricing inaccuracies, or regulatory requirements; users are strongly advised to review all transaction details carefully and execute trades with due caution, as all transactions are undertaken at the user’s sole discretion and risk.

The Services provided by Save In Gold FZCO (“SIG”) are intended solely for lawful and authorized purposes connected with the purchase, accumulation, management, and redemption of precious metals through the Company’s E-Commerce Store; users shall access and utilize the Services strictly for their intended purpose and in full compliance with applicable laws, regulations, and SIG’s internal policies, and any use of the E-Commerce Store for unauthorized, improper, or unlawful purposes is strictly prohibited.

By accessing or using the Services, users agree that they shall not engage in any activity that violates applicable legal or regulatory requirements, including but not limited to activities involving money laundering, terrorism financing, sanctions evasion, fraud, market manipulation, or any other form of financial crime; users further undertake not to provide false, forged, inaccurate, incomplete, or misleading information or documentation at any stage of registration, onboarding, transaction execution, or compliance verification, and shall not attempt to circumvent, bypass, or undermine SIG’s compliance framework, including customer due diligence procedures, sanctions screening controls, AML/CFT monitoring systems, transaction limits, or any other risk management safeguards implemented by the Company.

Users are strictly prohibited from accessing, interacting with, or extracting data from the E-Commerce Store through unauthorized automated means, including bots, scripts, crawlers, scraping tools, or data-mining technologies, and shall not interfere with, disable, or attempt to bypass any security features, technical safeguards, or operational controls of the E-Commerce Store; the introduction of viruses, malware, malicious code, or any harmful software designed to disrupt, damage, or compromise the integrity, security, or performance of the E-Commerce Store is strictly prohibited. Users shall not reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying structure, or proprietary components of the E-Commerce Store, except where expressly permitted under applicable law; users shall not impersonate any individual or entity, misuse another person’s identity or payment instrument, or engage in any activity that misrepresents their identity, authority, or intent.

The Services must not be used for unauthorized commercial purposes, including resale, brokerage, arbitrage trading, or any form of commercial exploitation not expressly approved by SIG, and users shall not submit, upload, or transmit any content that is abusive, defamatory, threatening, discriminatory, unlawful, or otherwise inappropriate. Users shall not engage in any activity that may overload, disrupt, impair, or damage the E-Commerce Store or its supporting infrastructure, including attempts to exploit system vulnerabilities, interfere with system performance, or misuse promotional programs, referral schemes, incentives, or E-Commerce Store benefits in a manner inconsistent with their intended purpose. SIG reserves the right, at its sole discretion and without prejudice to any other rights or remedies available, to take immediate action in response to any violation of this clause, including restricting or suspending access to the Services, terminating user accounts, reversing or blocking transactions where permissible, reporting suspicious or unlawful activity to relevant regulatory or enforcement authorities, and initiating legal proceedings where appropriate; such measures are implemented to protect the integrity of the E-Commerce Store, ensure regulatory compliance, and safeguard the interests of SIG and its users.

The Services provided by Save In Gold FZCO (“SIG”) may enable users to communicate with the Company through various channels, including but not limited to customer support interfaces, feedback forms, communication tools, or other interactive features; such communications, including suggestions, feedback, questions, complaints, documentation, images, or other materials submitted for operational or informational purposes, shall be collectively referred to as “Submissions.” Where the E-Commerce Store permits user-generated content, any materials, information, or content that a user creates, uploads, transmits, displays, or otherwise makes available through the Services shall be referred to as “Contributions,” and may include content shared through communication channels, support interactions, or other E-Commerce Store-enabled features.

Users remain solely responsible for the content, accuracy, and legality of all Submissions and Contributions provided through the Services, and by submitting such materials, the user represents and warrants that all information is true, accurate, lawful, and not misleading, and that such Submissions and Contributions do not infringe upon the rights of any third party, including intellectual property rights, confidentiality obligations, or rights relating to privacy or publicity. Users further represent that their Submissions and Contributions shall not contain any content that is defamatory, fraudulent, deceptive, abusive, discriminatory, unlawful, or otherwise inappropriate, and shall not include malware, viruses, malicious code, or any material intended to disrupt or compromise the integrity, functionality, or security of the E-Commerce Store or related systems; all materials must comply with applicable laws and regulatory requirements, including data protection, privacy, and financial crime compliance obligations.

By submitting any Submissions or Contributions, the user grants SIG a non-exclusive, worldwide, royalty-free, perpetual, and irrevocable licence to use, reproduce, store, process, adapt, translate, and utilize such materials for the purposes of operating, improving, supporting, and administering the Services, subject always to applicable data protection and confidentiality obligations. SIG reserves the right, at its sole discretion and without prior notice, to review, monitor, restrict, remove, or decline any Submissions or Contributions that are deemed inappropriate, unlawful, harmful, or inconsistent with the Company’s policies, operational standards, or regulatory requirements, and may take further action, including account restriction or reporting to authorities, where necessary to ensure compliance and protect the integrity of the E-Commerce Store.

Where users access the Services of Save In Gold FZCO (“SIG”) through the Company’s mobile application (“App”), SIG grants the user a limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to install and use the App on devices that are owned or lawfully controlled by the user, strictly for the purpose of accessing and utilizing the Services within the SIG ecosystem and in accordance with these Legal Terms and all applicable laws and regulations. This licence does not confer any ownership or proprietary rights in the App, and all rights, title, and interest, including all intellectual property rights in the App and its underlying technology, remain exclusively vested in SIG or its licensors; accordingly, users shall not engage in any activity that infringes, misappropriates, or otherwise compromises such rights.

Users are expressly prohibited from decompiling, reverse engineering, disassembling, decrypting, or otherwise attempting to derive the source code or underlying structure of the App, except to the limited extent expressly permitted under applicable law; users shall not modify, adapt, translate, create derivative works from, or use the App in any manner inconsistent with its intended purpose, nor shall the App be used for unlawful activities, unauthorized commercial purposes, or in violation of any applicable laws, regulatory requirements, or these Legal Terms. Users shall not make the App available over a network or otherwise permit simultaneous use by multiple users unless expressly authorized by SIG, and shall not use the App to develop, operate, or support any competing E-Commerce Store, product, or service; users are further prohibited from removing, obscuring, or altering any proprietary notices, copyright statements, trademarks, or legal notices embedded within the App. Where the App is downloaded or accessed through third-party distribution E-Commerce Stores such as Apple App Store or Google Play Store, users acknowledge that additional terms, conditions, and policies imposed by such E-Commerce Stores may apply, and users are solely responsible for ensuring compliance with all applicable third-party E-Commerce Store requirements in connection with the download, installation, and use of the App.

Save In Gold FZCO (“SIG”) reserves the right, but is not obligated, to actively manage, supervise, and safeguard the operation of its Services and E-Commerce Store in order to maintain regulatory compliance, protect system integrity, and ensure the secure, lawful, and efficient functioning of its business operations; in doing so, SIG may monitor the use of its Services to detect potential breaches of these Legal Terms, identify misuse, and ensure that user activities remain consistent with applicable laws, regulations, and internal compliance frameworks.

SIG may initiate investigations where it reasonably suspects that any activity conducted through the E-Commerce Store may be unlawful, fraudulent, abusive, or otherwise inconsistent with the intended use of the Services, and such investigations may include the review of account activity, transaction records, communications, and other relevant information associated with the user’s interaction with the E-Commerce Store; where necessary, SIG may restrict, suspend, disable, or terminate access to specific accounts, content, or service features where such action is required to maintain operational integrity or comply with legal and regulatory obligations.

In connection with its compliance and risk management procedures, SIG may request additional documentation, information, or explanations from users, including identity verification, source of funds or source of wealth validation, and transaction justification, where required to address compliance concerns or meet regulatory requirements; failure to provide satisfactory responses within a reasonable timeframe may result in temporary or permanent restrictions on the user’s account or access to Services.

SIG may also disclose or report certain activities, transactions, or user information to relevant authorities where required by law or where SIG reasonably determines that such reporting is necessary, including to law enforcement agencies, regulatory authorities, financial intelligence units, payment service providers, or other competent bodies responsible for oversight of financial crime, sanctions compliance, fraud prevention, or regulatory enforcement. These monitoring, investigative, and enforcement measures are undertaken to ensure that the Services are managed in a manner that protects SIG’s operational stability, legal and regulatory obligations, customer interests, and reputation; SIG retains full discretion to take such actions as it deems appropriate to maintain the secure, compliant, and responsible operation of its E-Commerce Store and Services.

As a business operating within the precious metals sector in the United Arab Emirates, Save In Gold FZCO (“SIG”) is subject to applicable laws and regulatory requirements governing Anti-Money Laundering (AML), Counter-Terrorism Financing (CFT), targeted financial sanctions, and financial crime prevention; accordingly, SIG maintains a comprehensive, risk-based compliance framework designed to identify, assess, monitor, and mitigate risks associated with financial crime and unlawful activities in line with applicable UAE regulations and international standards.

In furtherance of these obligations, SIG may apply a range of compliance controls to all users of the Services, including but not limited to customer identification and verification (KYC), customer due diligence (CDD), enhanced due diligence (EDD) for higher-risk profiles, verification of beneficial ownership for legal entities, screening against applicable sanctions lists and politically exposed person (PEP) databases, and verification of source of funds and/or source of wealth where appropriate; SIG may also conduct ongoing transaction monitoring, implement internal escalation procedures for suspicious activities, impose account-level controls or restrictions, and fulfil its regulatory reporting obligations to competent authorities.

By accessing or using the Services, users expressly acknowledge and agree that SIG may, at any time and in accordance with legal, regulatory, or internal compliance requirements, request additional documentation, information, or clarification relating to identity, transactions, business activities, or source of funds; SIG may also delay, decline, or refuse transactions, suspend or restrict access to the E-Commerce Store, freeze or limit account functionality, reject onboarding requests, or terminate an existing business relationship where such action is deemed necessary to comply with applicable obligations or to mitigate legal, regulatory, or reputational risk.

Where required by law or regulatory directive, SIG may report certain activities, transactions, or customer information to competent authorities within the United Arab Emirates, including the submission of suspicious transaction or activity reports to the Financial Intelligence Unit through designated reporting channels such as the goAML system or other legally mandated mechanisms.

Users further acknowledge that SIG is under no obligation to disclose the existence or status of any internal review, investigation, or regulatory reporting activity where such disclosure would be unlawful or inconsistent with applicable regulatory requirements, including anti-tipping-off provisions.

These compliance measures are implemented to ensure adherence to SIG’s legal and regulatory obligations, safeguard the integrity of the E-Commerce Store, and protect the Company, its users, and the broader financial system from misuse and financial crime.

Save In Gold FZCO (“SIG”) recognizes the importance of protecting personal data and maintaining the privacy of individuals who access and use its Services, and is committed to handling personal information in a responsible, secure, and lawful manner in accordance with applicable data protection laws, regulatory requirements, and industry best practices.

Your use of the Services is also governed by SIG’s Privacy Policy, which outlines how personal data is collected, used, stored, processed, and protected; the Privacy Policy provides detailed information regarding the categories of personal data collected, the purposes of processing, the legal basis for such processing, the parties with whom information may be shared, and the rights available to individuals in relation to their personal data, and is accessible at: https://saveingold.ae/.

By accessing or using the Services, you expressly acknowledge and consent to the collection, use, storage, processing, and transfer of your personal data in accordance with SIG’s Privacy Policy and applicable laws, including for purposes such as identity verification, regulatory compliance (including AML/CFT obligations), customer support, service optimization, fraud prevention, and the performance of contractual obligations associated with the Services. To ensure efficient and secure service delivery, SIG’s E-Commerce Store and supporting infrastructure may be hosted, maintained, or operated within the United Arab Emirates or in other jurisdictions where SIG or its authorized service providers maintain operational facilities; where personal data is transferred or processed across jurisdictions, SIG implements appropriate legal, technical, and organizational safeguards to ensure that such data is protected in accordance with applicable data protection laws and regulatory standards, including measures to preserve the confidentiality, integrity, and availability of personal information.

SIG may also retain personal data for as long as necessary to fulfil the purposes for which it was collected, including to meet legal, regulatory, audit, and compliance requirements, after which such data shall be securely deleted or anonymized in accordance with applicable policies and legal obligations.

These Legal Terms, as well as any matters arising out of or in connection with the use of the Services provided by Save In Gold FZCO, shall be governed by and interpreted in accordance with the laws of the United Arab Emirates. All rights, obligations, and legal relationships established under these Terms shall be construed in a manner consistent with the applicable legal and regulatory framework in force within the UAE. By accessing or using the Services, users acknowledge and agree that their use of the E-Commerce Store and any transactions conducted through it shall be subject to the jurisdiction of the relevant laws and regulatory authorities of the United Arab Emirates. Any interpretation, enforcement, or application of these Legal Terms shall therefore be carried out in accordance with the governing legal principles and statutory provisions applicable within the UAE.

These Legal Terms shall remain in full force and effect for as long as you access or use the Services and the integrated E-Commerce Store of Save In Gold FZCO (“SIG”); by continuing to use the Services, you acknowledge and agree to remain bound by these Legal Terms, together with any policies, product conditions, or operational rules incorporated by reference. SIG reserves the right, at its sole discretion and without liability, to manage, restrict, suspend, or terminate access to the Services in a manner consistent with its operational, legal, and regulatory obligations; such rights include, without limitation, the ability to deny or restrict E-Commerce Store access, suspend or terminate user accounts, block, reverse (where permissible), or cancel transactions, disable or remove account-related content, and limit or withdraw access to specific products, features, or functionalities where SIG determines that such action is necessary. Such actions may be taken for any reason deemed appropriate by SIG, including but not limited to breach of these Legal Terms, failure to meet eligibility or compliance requirements, legal or regulatory directives, AML/CFT or sanctions-related concerns, suspected fraudulent or unlawful activity, security incidents, operational or system integrity concerns, or broader risk management considerations. SIG may take such actions with or without prior notice, particularly where immediate intervention is required to protect the integrity of the E-Commerce Store, safeguard users, comply with regulatory obligations, or mitigate legal, financial, or reputational risk; in such circumstances, access to the affected account and associated Services may be temporarily or permanently restricted. Upon suspension or termination, the user’s right to access and use the Services shall immediately cease, and SIG may take appropriate steps to secure or freeze account activity in accordance with applicable legal and compliance obligations; any outstanding transactions, obligations, or liabilities of the user shall survive termination and remain enforceable. Users whose accounts have been suspended or terminated may be prohibited from re-registering or accessing the Services without prior written consent from SIG, and any attempt to circumvent such restrictions, including through the creation of multiple accounts, use of alternate identities, or other means, may result in further enforcement action, including permanent bans, reporting to relevant authorities, and legal action where applicable.

Save In Gold FZCO (“SIG”) reserves the right, at its sole discretion and where necessary for operational, technical, legal, or regulatory reasons, to modify, update, suspend, restrict, remove, or discontinue any part of the Services or E-Commerce Store at any time; such modifications may include changes to E-Commerce Store features, service offerings, system functionality, pricing mechanisms, product availability, operational procedures, or access conditions, and may be implemented to enhance performance, address security concerns, comply with regulatory obligations, adapt to technological developments, or manage operational and business risks. While SIG endeavours to maintain reliable and continuous access to the Services, uninterrupted availability cannot be guaranteed, and access to the E-Commerce Store may be affected by factors beyond SIG’s reasonable control, including but not limited to scheduled or unscheduled maintenance, system upgrades, technical failures, network or connectivity disruptions, cybersecurity incidents, failures or delays of third-party service providers (including hosting infrastructure, payment processors, or communication networks), internal operational constraints, or events constituting force majeure, such as natural disasters, regulatory actions, or other extraordinary circumstances.

During such periods, users may experience delays, interruptions, or limitations in accessing the E-Commerce Store, executing transactions, or utilizing certain features of the Services; SIG shall not be held liable for any loss, delay, or inability to access or use the Services arising from such interruptions or disruptions, provided that such circumstances are beyond its reasonable control. SIG will, where reasonably practicable, take appropriate steps to restore service functionality and minimize disruption; however, the timing, resolution, and extent of service restoration may depend on technical, operational, or external factors, including third-party dependencies, and users acknowledge and accept that temporary service interruptions form an inherent aspect of E-Commerce Store-based services.

Any dispute, claim, or controversy arising out of or in connection with these Legal Terms, including any question regarding their existence, validity, interpretation, performance, or termination, shall first be addressed through good-faith discussions between the parties with a view to achieving an amicable resolution within a reasonable timeframe. If such dispute is not resolved amicably, it shall be referred to and finally resolved by binding arbitration seated in Dubai, United Arab Emirates, conducted by a sole arbitrator, in the English language, under the rules of a recognized arbitration institution in force at the time of referral; the decision of the arbitrator shall be final and binding on the parties. Notwithstanding the foregoing, Save In Gold FZCO (“SIG”) reserves the right, at its sole discretion, to initiate proceedings before the competent courts of the United Arab Emirates, and to seek interim, injunctive, protective, recovery, or enforcement relief before any court, tribunal, or regulatory authority where such action is necessary to protect its legal rights, enforce contractual obligations, safeguard its operations, or comply with applicable laws and regulatory requirements. To the fullest extent permitted under applicable law, all disputes arising under or in connection with these Legal Terms shall be brought on an individual basis, and users expressly agree that class actions, collective proceedings, or representative claims against SIG shall not be permitted unless such restriction is prohibited by applicable law.

The Services provided by Save In Gold FZCO (“SIG”) are offered on an “as is” and “as available” basis, without any representation or warranty of any kind; to the maximum extent permitted under applicable law, SIG expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, reliability, or uninterrupted and error-free operation of the E-Commerce Store and its Services. While SIG endeavours to maintain a secure, reliable, and efficient E-Commerce Store environment, it does not guarantee uninterrupted access to the Services, continuous availability of market data, or the accuracy of pricing information in real time, and shall not be liable for any delays, errors, system interruptions, cybersecurity incidents, or disruptions caused by third-party service providers, including payment processors, infrastructure providers, or network operators.

SIG does not provide financial, investment, legal, or tax advice, and makes no representations or guarantees regarding the profitability, suitability, or expected returns of any transaction or product offered through the E-Commerce Store; the value of precious metals is subject to market fluctuations and volatility, and users acknowledge that all transactions are undertaken at their own discretion and risk. By accessing and using the Services, users expressly acknowledge and agree that they do so at their own risk, and SIG shall not be liable for any direct, indirect, incidental, consequential, or financial losses arising from reliance on the Services or from the inherent risks associated with the purchase, holding, or sale of precious metals, except to the extent that such liability cannot be excluded under applicable law.

By accessing or using the Services provided by Save In Gold FZCO (“SIG”), you agree to indemnify, defend, and hold harmless SIG, its affiliates, directors, officers, employees, agents, contractors, and service providers from and against any and all claims, demands, actions, losses, liabilities, penalties, damages, costs, and expenses, including reasonable legal and professional fees, arising out of or in connection with your use of the Services.

This indemnity includes, without limitation, any claims or liabilities resulting from your breach of these Legal Terms, failure to comply with applicable laws or regulatory requirements, or any activity conducted through your account that constitutes fraud, negligence, misconduct, or unlawful behavior; it further extends to any harm caused to SIG, its users, or third parties, including infringement of intellectual property rights, privacy rights, contractual obligations, or other legal rights. You also agree to indemnify SIG against any losses, liabilities, or regulatory consequences arising from the submission of false, inaccurate, misleading, or incomplete information or documentation, including during onboarding, KYC/CDD processes, or transaction execution, particularly where such actions result in regulatory scrutiny, financial loss, reputational damage, or legal proceedings against SIG.

This indemnity obligation is intended to ensure that SIG and its associated parties are protected against all risks, liabilities, and exposures arising directly or indirectly from your actions, omissions, misuse of the Services, or failure to adhere to these Legal Terms and applicable laws.

Save In Gold FZCO (“SIG”) maintains and processes data transmitted or provided by users for the purpose of operating, administering, and securing the Services, including facilitating transactions, maintaining customer records, supporting account management, complying with legal and regulatory obligations, resolving disputes, providing customer support, and enhancing E-Commerce Store functionality and security; such data may also be retained and processed in accordance with applicable laws, including requirements relating to financial crime prevention, record-keeping, and regulatory reporting. SIG implements appropriate technical and organizational safeguards to protect the confidentiality, integrity, and security of user data, including secure storage systems, access controls, and data protection protocols, although users remain responsible for the accuracy of the information they provide and for maintaining their own records where necessary, and acknowledge that such data forms part of SIG’s operational and compliance records and may be retained for the duration required to meet business, legal, and regulatory obligations.

By accessing or using the Services, including submitting information through SIG’s website, mobile application, or other authorized digital channels, users acknowledge and consent to receiving communications electronically, including agreements, disclosures, notices, confirmations, account statements, transaction records, and regulatory communications; users agree that all such electronic communications and records shall have the same legal validity and enforceability as written documents, and that electronic signatures, digital confirmations, click-through acceptances, and other forms of electronic consent shall constitute legally binding acceptance to the fullest extent permitted under applicable law.

Where available and enabled, users further consent to receiving communications through electronic channels such as SMS, mobile application notifications, email, and other service alerts, including but not limited to authentication messages, security alerts, transaction confirmations, account activity updates, compliance-related communications, customer support interactions, and, where permitted, promotional messages; users acknowledge that certain communications are essential for the proper functioning, security, and regulatory compliance of the Services and may be sent irrespective of marketing preferences, and further acknowledge that standard messaging or data charges imposed by their telecommunications or internet service providers may apply, for which SIG shall not be responsible. Users may manage their preferences for non-essential communications through available ECommerce Store settings or opt-out mechanisms; however, operational, transactional, security, and compliancerelated communications shall continue as necessary to support the lawful and effective administration of the Services.

These Legal Terms, together with the Privacy Policy and any additional policies, guidelines, or operating rules published or made available through the Services, constitute the entire agreement between you and Save In Gold FZCO (“SIG”) regarding access to and use of the Services, and supersede all prior or contemporaneous understandings, communications, or agreements relating to the same subject matter, except where expressly incorporated herein. No failure or delay by SIG in exercising or enforcing any right, power, or provision under these Legal Terms shall operate as a waiver of such right or any other right, and any waiver must be in writing and signed by an authorized representative of SIG to be effective; SIG retains the right to enforce its rights and remedies at any time in accordance with applicable law.

SIG may, at its sole discretion, assign, transfer, novate, or delegate any of its rights and obligations under these Legal Terms, in whole or in part, to any affiliate, successor, or third party in connection with a merger, acquisition, restructuring, business transfer, or operational arrangement, provided that such assignment does not materially prejudice the user’s rights under applicable law; users may not assign or transfer their rights or obligations without SIG’s prior written consent. If any provision of these Legal Terms is held by a court or competent authority to be invalid, unlawful, or unenforceable, such provision shall be deemed severed to the extent necessary, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

Nothing in these Legal Terms shall be construed as creating any partnership, joint venture, agency, employment, fiduciary, or trust relationship between you and SIG, and you shall have no authority to bind or represent SIG in any manner unless expressly authorized in writing. These Legal Terms shall be interpreted in a fair and commercially reasonable manner, and shall not be construed against SIG solely on the basis that it drafted or prepared them, but rather in accordance with their plain meaning and the applicable legal and regulatory framework governing the Services.

For any inquiries, complaints, notices, customer support requests, compliance-related queries, or requests for additional information regarding the Services provided by Save In Gold FZCO (“SIG”), users may contact the Company through the following official channels:

Save In Gold FZCO

• Address: Head Office – Office M24, The Gold Center, Mezzanine Floor, Al Ras, Dubai, United Arab Emirates
• Email: info@saveingold.ae
• Phone: +971 50 497 1363

SIG encourages users to submit all communications through the above designated channels to ensure timely and efficient handling of requests; all communications relating to customer support, account matters, complaints, or regulatory and compliance-related issues shall be handled in accordance with SIG’s internal procedures and applicable legal and regulatory requirements. SIG reserves the right to request additional information or documentation to verify the identity of the person submitting a request or to properly assess and resolve the matter, and responses may be provided through the same communication channel used by the user or through any other appropriate channel as determined by SIG.