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1. Identify the exact product
These provisions concern physical gold, silver and copper bullion offered by Goldfinch Jewelry. Confirm metal, fineness, gross/fine weight, unit, quantity, refiner/mint, condition, serial/assay documentation where applicable, premium and total price. “Au” means gold. Silver and copper are different metals; check the metal and purity stated for your item. Do not assume all products have 999.9 fineness or the same tax treatment.
We do not offer guaranteed investment returns through these terms. Precious-metal and other metal prices can fall; resale may be below the purchase price and premiums may not be recovered. Product information is not personalised investment advice. No storage, pooled ownership, lending or yield service is created by this policy.
2. Your quotation and payment deadline
Selected bullion prices are held for five minutes from the server cart snapshot time. At expiry the cart refreshes prices, which you must review again. Confirming during a valid snapshot records your enquiry and holds its bullion prices for ten minutes from the server-recorded enquiry time. Direct product enquiries begin that ten-minute price hold when recorded, without a cart snapshot. After the ten minutes, Goldfinch Jewelry may give you an updated price for your agreement. These price holds do not reserve stock or confirm a sale. Payment must be verified and the transaction accepted in writing before allocation. Customer service states any separate payment deadline in Malaysia time. See the payment policy.
A late payment does not revive the old quotation automatically. Goldfinch Jewelry may offer the original or a revised quotation for agreement, or decline and refund. If we cannot supply or decline an unaccepted transaction, no customer market-loss or cancellation deduction is imposed for that refusal under this policy.
3. Returns and cancellation of an accepted bullion sale
We do not accept change-of-mind returns, refunds or exchanges for bullion, including after collection or delivery. After payment verification and written acceptance, a change-of-mind cancellation is a request for review, not an automatic refund entitlement. Contact customer service before dispatch or collection; applicable legal remedies remain unaffected.
These terms do not set a standard percentage cancellation fee or market-loss deduction. Any proposed cancellation charge must be lawful, explained and agreed before you pay and before we accept the sale; it cannot be chosen retrospectively. We will not recover the same loss twice or charge you for exercising a legal remedy that cannot be excluded.
An unpaid cart snapshot or recorded enquiry price hold that expires is not a customer cancellation of an accepted sale and does not itself incur a cancellation charge. A fixed-price sale already accepted in writing is not repriced merely because the market moves.
4. Condition, authenticity and delivery issues
Inspect the product, quantity and documents on collection or promptly after delivery. Report wrong goods, missing items, transit damage, tampering or concerns about authenticity, purity or weight promptly with available evidence. Keep relevant packaging and certificates and do not alter the item while a claim is investigated.
Disclosed ordinary surface variations on investment-grade products are assessed against the agreed description and grade; they are not a blanket excuse for damage, false purity or a materially different product. Collection inspection and a short notification request do not waive rights concerning hidden defects. Please report concerns promptly; this request does not shorten any time limit that applies to your legal rights.
5. Buyback is separate
If a buyback is offered, it is a separate transaction subject to eligibility, inspection, identity checks and an expressly agreed current buyback quotation. It is not a refund at the original selling price or a guarantee that Goldfinch Jewelry will repurchase every product. Obtain written terms before handing over goods. Do not courier bullion for buyback without approved arrangements.
International shipping is subject to the delivery and international-orders policy. Do not assume foreign tax exemptions, worldwide delivery or unrestricted insurance cover.