الشروط والأحكام

These Terms & Conditions ("Terms") govern your use of the website, mobile application, digital services, e-commerce store, and vaulting facilities operated by Amanah FZE LLC ("Amanah Gold", "Amanah", "we", "our", "us").

By using our Services, purchasing products, or storing gold and silver with us, you agree to be bound by these Terms.

1Company Information

2Products & Services

• Gold coins and bars
• Silver coins and bars
• Custom minting services
• Secure vaulting (free of charge)
• E-commerce sales with physical delivery
• Digital account management via our mobile app
• IMC/IDCC certifications through Tayyib ID

3Ownership of Gold & Silver

All gold and silver purchased from Amanah becomes the full property of the customer. Ownership is allocated and physical, not pooled or fractional.

When stored in vaulting:

• Items remain legally owned by the customer at all times.
• The customer's name appears in our internal register.
• Digital certificates reflect real, allocated assets.

4Vaulting (Secure Storage)

Amanah offers free secure storage with an independent vaulting partner operating under SIRA and Dubai Police security standards.

• Gold and silver are stored securely under international vaulting standards (e.g. similar to Brinks/Loomis operations).
• Vaulting is free of charge with no hidden fees.
• Customers may request withdrawal at any time.

5Withdrawals

Customers may request to withdraw their gold or silver from the vault. There is:

• No withdrawal fee from Amanah
• Delivery fees apply (courier fees, insurance, and any packaging costs)

6Delivery, Customs & Duty

For all physical shipments:

• The customer is fully responsible for any customs duties, taxes, clearance fees, or government charges in their country.
• Amanah does not pay, reimburse, or cover customs/duty fees under any circumstances.
• If customs blocks or returns the item, the customer bears the financial outcome.

7Returned or Blocked Shipments

If a shipment is returned due to unpaid customs, refused delivery, or government restrictions:

• Amanah will not refund the purchase.
• The gold or silver will be re-registered under the customer's vault account.
• The customer may request:
  • a new delivery (new delivery fee applies), or
  • a sell-back (see Clause 9)
• Any returned amount after sell-back will exclude currency conversion fees, bank fees, or rate differences.

9Sell-Back Policy

Amanah offers customers the ability to sell gold or silver back to us. Sell-back prices:

• are based on live Dubai market rates,
• consider global demand and product condition,
• include minting, handling, and operational deductions,
• reflect industry practices used by major global gold retailers.

Amanah does not buy back at spot price.

10Price Promise

For our pure bullion bars, Amanah will match or beat the price of any reputable online bullion retailer worldwide, subject to the following conditions:

• The customer must provide verifiable proof of the lower price at the time of enquiry — for example, a live URL or screenshot with a visible timestamp and product specification.
• The competing retailer must be a verifiable, regulated, and reputable bullion dealer operating internationally.
• The price match applies to the same metal, purity, and weight only. Custom-minted, commemorative, or numismatic coins are excluded.
• Amanah reserves the right to decline a price match request at its sole discretion.
• Price matches do not apply to already-placed orders or during promotional periods.

In Shāʾ Allāh, we will always try our best to ensure you receive the fairest price for investment-grade precious metals.

10Custom Minting

For custom minting:

• Design fees and die fees are non-refundable.
• Production timelines may vary based on quantity and design complexity.
• All designs must comply with UAE regulations and Islamic principles.

11App & Digital Services

Amanah's mobile app allows customers to:

• View real-time holdings;
• Access IMC/IDCC certificates (via Tayyib ID);
• Request withdrawals or delivery;
• Manage transactions and account details.

App features are provided "as is" and may experience temporary downtime for maintenance or upgrades.

12Death, Estate & Next-of-Kin Procedure

In the event of a customer's death:

• A legal next-of-kin or estate representative must contact Amanah.
• Valid documents are required:
  • Death certificate
  • Emirates ID/passport of claimant
  • Proof of legal authority (court order, inheritance certificate, etc.)
• Amanah will hold the assets for up to 1 year while awaiting official claim and verification.
• After 1 year, Amanah may liquidate the assets for storage, administrative, and legal holding costs. Any remaining balance will be held for the estate.
• No liability exists for estate delays beyond 1 year.

13Currency & Pricing

• AED (United Arab Emirates Dirham) is the official operating currency of Amanah.
• USD payments are accepted only in special cases.
• Prices may fluctuate due to global market movements and production costs.

14Liability Limitations

• Amanah is not responsible for delays caused by customs, couriers, or global logistics disruptions.
• Amanah is not liable for losses from market price movements.
• Total liability shall not exceed the amount paid for the product.

15Governing Law

These Terms are governed by the laws of the United Arab Emirates. Any disputes shall be resolved through binding arbitration in Dubai.

Last Updated: 30 March 2025