Please read these Terms and Conditions carefully before using our website or services.
As used in these Terms and Conditions:
You may use this Site for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that violates applicable federal, state, or local laws or regulations, or that infringes upon the rights of others.
We reserve the right to modify, suspend, or discontinue the Site or any part of it at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.
You must be at least 18 years of age to use this Site and our Services. By using this Site, you represent and warrant that you meet this age requirement.
The information provided on this Site and by our specialists is for general informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice.
Universal Gold Group is a precious metals dealer, not a registered investment advisor, broker-dealer, or financial planning firm. Nothing on this Site or communicated by our team should be construed as a recommendation to buy or sell any specific investment, or as personalized financial planning advice tailored to your individual circumstances.
Precious metals investing involves significant risk, including the risk of loss. Past performance of gold, silver, platinum, or palladium is not indicative of future results. Before making any investment decision, you should consult with a qualified and independent financial advisor, tax professional, and/or attorney who can assess your specific situation.
Tax laws and IRS regulations are complex and subject to change. Any tax-related information provided on this Site is general in nature. You should consult a qualified tax professional before making decisions with tax implications.
Universal Gold Group facilitates the purchase of IRS-approved precious metals for inclusion in self-directed IRAs and for direct delivery. We coordinate with independent IRA custodians and IRS-approved depositories to provide a complete Gold IRA solution. We do not serve as your IRA custodian and do not hold your IRA assets directly.
All prices for precious metals are based on prevailing spot prices plus applicable premiums. Prices are subject to change without notice and are only locked at the time a purchase order is confirmed. We are not responsible for changes in spot price between the time you receive a quote and the time your order is finalized.
Once a precious metals purchase order has been confirmed and prices locked, cancellation may result in a cancellation fee equal to any price movement against Universal Gold Group between the locked price and the cancellation date. This policy exists because we purchase metals in the market on your behalf at the time of confirmation.
For IRA purchases, metals are delivered directly to your designated IRS-approved depository. For direct-delivery purchases, metals are shipped via insured carrier. Risk of loss passes to you upon delivery to the carrier. We recommend signature-required delivery for all direct purchases.
To access certain Services, you may be required to provide personal information including your name, address, Social Security number, and financial account details. You agree to provide accurate, current, and complete information and to update it as necessary.
You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account at support@universalgold.com.
We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion, including in cases of suspected fraud, misrepresentation, or violation of these Terms.
All Content on this Site — including text, graphics, logos, images, audio clips, and software — is the property of Universal Gold Group or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may view, download, and print Content from this Site solely for your personal, non-commercial use, provided that you do not modify the Content and that you retain all copyright and other proprietary notices. You may not reproduce, distribute, publicly display, transmit, or create derivative works from any Content without our prior written consent.
The Universal Gold Group name, logo, and all related marks are trademarks of Universal Gold Group, LLC. You may not use these marks without our prior written permission.
You agree not to:
This Site may contain links to third-party websites, including our IRA custodian partners and depositories. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The inclusion of a link on our Site does not imply endorsement of the linked site. You access third-party websites at your own risk and subject to their own terms of service and privacy policies.
THIS SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any Content on the Site, including but not limited to metal pricing information, IRS regulations, and market data.
Precious metals prices are highly volatile and subject to rapid fluctuation. Any pricing information on this Site is for general reference only and should not be relied upon as a current or accurate quote.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNIVERSAL GOLD GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF INVESTMENT VALUE, OR BUSINESS INTERRUPTION — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
In no event shall our total liability to you for all claims arising from or relating to the use of the Site or Services exceed the greater of (a) the total amount paid by you to Universal Gold Group in the twelve months preceding the claim, or (b) one hundred dollars ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Universal Gold Group and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Site or Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any content you submit or transmit through the Site.
If you have a dispute with us, please contact us first at legal@universalgold.com. We will attempt to resolve any disputes informally within 30 days of receiving written notice.
If we cannot resolve a dispute informally, any dispute, claim, or controversy arising from or relating to these Terms or your use of the Site or Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Los Angeles, California. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You waive any right to participate in any class action or representative proceeding.
Notwithstanding the above, either party may seek emergency injunctive or equitable relief in any court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. To the extent that any claim is not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.
We reserve the right to modify these Terms at any time. When we make material changes, we will post the updated Terms on this page with a new effective date and, where appropriate, notify active clients by email. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Questions about these Terms and Conditions should be directed to: