KYC / AML

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Know Your Customer (KYC) and Anti-Money Laundering (AML) Policy and Procedures

It is the policy of KREMAR GOLDINGLIFE SL, registration number B04859047, a limited liability company incorporated and existing under the laws of Spain, with registered address — Spain, Madrid, Paseo de la Castellana, 95. to prohibit and prevent money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by complying with all applicable legal requirements of Spain.

Money laundering is generally defined as engaging in acts designed to conceal or disguise the true origins of criminally derived proceeds so that the proceeds appear to have been derived from legitimate sources or constitute legitimate assets. Terrorist financing may not involve proceeds of criminal conduct but is rather an attempt to conceal either the origin of the funds or their intended use.

Although the motivation differs between traditional money launderers and terrorist financiers, the actual methods used to fund terrorist operations can be the same as or similar to methods used by other criminals to launder funds. Funding for terrorist attacks does not always require large sums of money and the associated transactions may not be complex.

Our AML policies, procedures and internal controls are designed to ensure compliance with all applicable regulations, rules and laws and will be reviewed and updated on a regular basis to ensure appropriate policies, procedures and internal controls are in place to account for both changes in regulations and changes in our business.

The Company operates in compliance with “anti-money laundering” (“AML”) and “know your customer” (“KYC”) rules and regulations in the jurisdictions it operates in or sells products or services to, and has developed the given KYC and AML Policy to protect itself from involvement in money laundering or suspicious activity as follows:

The Company performs an enterprise-wide risk assessment to determine the risk profile of the Company.
The Company has established KYC and AML policies and procedures that have been reviewed and approved by the Company’s Directors.
The Company shall strictly adhere to the Policy and procedures outlined herein.

The Company develops this Policy, introduces amendments and additions to it at its own discretion, and oversees compliance with its provisions and requirements.

The Company oversees:

ongoing compliance with the requirements introduced by the national and international laws, regulations and sanctions;
implementation of the risk-based “Know Your Customer” principles;
identifying and reporting of suspicious transactions.
For the purpose of preventing any transactions with respect to laundering of proceeds of crime the Company arranges and organizes measures required for implementation of adequate procedures in relation to monitoring the customers’ transactions, related reporting, retention of records and organization of the training activities; and ensures that any risks falling under such scope are controlled.

The Company is required to constantly monitor its level of exposure to the risk of money laundering and the financing of terrorism.

1. “KNOW YOUR CUSTOMER” Due Diligence

Effective Customer Due Diligence measures are essential to the management of money laundering and terrorist financing risk.

Customer Due Diligence means identifying the customer and verifying their true identity on the basis of documents, data or information both at the moment of starting a business relationship with customer and on an ongoing basis. The customer identification and verification procedures require, first, the collection of data and, second, attempts to verify that data.

During the Customer’s registration process an individual customers provide the following identification information to the Company:

– Customer’s full name;
– Customer’s date of birth;
– Country of residence/location of customer;
– Mobile telephone number and e-mail.

For the purposes of Customers identification, the Company requests the following documents:

A. proof of identity:

Personal ID verification documentary evidence of identity (must contain photograph):

– current valid signed passport with a clear picture (expiry date should be carefully checked and be in date).

B. proof of address (bank statement, utility bill):

– utility bill, credit card bill (not older than 2 months);
– bank statement containing address (not older than 2 months).

The Company conducts the Know Your Customer (KYC) verification procedures to avoid the risk of being held liable for, and to protect itself from, a Customer attempting to use the Company for carrying out illegal activities.

The Company is committed to protecting Customers rights and the confidentiality of their personal data. The Company collects personal information from Customers only to the extent necessary to ensure the Company is properly selling goods to Customers. Such personal information about Customers and former Customers may be disclosed to third parties only in accordance with the Company’s Personal Data Protection Policy that is designed in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC.

The Company shall carefully maintain Customers files, including transaction reports, receipts, notes, internal correspondence, and any other documents related to the Customer both in the electronic and paper format for a period of at least 7 (seven) years from the date of the relevant transaction.

2. IDENTIFICATION AND DETECTION OF SUSPICIOUS ACTIVITIES

Suspicious transaction means presence of any information, suspicion or any matter which could arouse suspicion about the fact that the assets subject to a transaction, performed or attempted to be performed with or through the Company’s account, have been obtained illegally or are used for unlawful purposes, or are used by any terrorist organizations, terrorists or financiers of terrorism within such scope, or are related to or associated with them.

Definition of the term “Suspicious transaction” includes use of the assets, subject to the transaction, for unlawful purposes in addition to the fact that they have been obtained illegally; and it shall purport to include prevention of financing of terrorism (even if such assets are associated with financing of terrorism) thereby.

Grounds for determining that a specific transaction is suspicious may be personal observations and experience of the Company’s employees, as well as information received or identified.

In accordance with the applicable law and the requirements of international organizations, the Company may, where appropriate and without the obligation of obtaining the Customer’s approval or notifying the Customer, notify regulating and/or law enforcement agencies of any suspicious transactions.

The Company shall periodically refer to and consult the lists published by state authorities and international organizations that contain lists of known terrorists or persons suspected of terrorist activities, terrorist organizations, high-risk countries, jurisdictions that do not provide sufficient level of anti-money laundering procedures, as well as countries subject to sanctions to determine whether the Company’s Customer or potential Customer, and/or such Customer’s country of jurisdiction is included in the above lists.

The Company shall not provide any information to any person, including the persons who are a party to the relevant transaction, other than the information provided to the supervisory staff members commissioned with the duty of supervision of the obligation, as well as to the courts during the course of any trial, that a suspicious transaction reporting has been sent or will be sent to the appropriate state authority of financial crimes investigation.

The Company shall continuously conduct due diligence procedures pertaining to its Customers and scrutinize transactions carried out by them to ensure these transactions’ compatibility with the Company’s knowledge of its Customers.

3. TRAINING ACTIVITIES

Training activities are planned and organized for authorized persons of the Company as on-site (classroom learning) or off-site (e-learning programs, reminders and awareness messages) training in a manner that covers but not limited to:

–    definitions in AML,
–    the channels for reporting the suspicious transactions,
–    the concepts of laundering of proceeds of crime and financing of terrorism,
–    stages and sample cases for laundering of proceeds of crime,
–    national and international regulations with respect to prevention of laundering of proceeds of crime and financing of terrorism,
–    corporate policy and procedures of the Company,
–    principles with respect to the customer.

Sobre nosotros

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GL (después: Compañía) es una tienda internacional en línea que ofrece a sus clientes los bienes y servicios siguientes:

– adquisición y entrega de los bienes exclusivos de la clase Premium a un precio ventajoso. Uno de los componentes de los bienes es el oro;
– compra, almacenamiento y entrega de los lingotes y monedas del oro de inversión;
– colaboración mutualmente ventajosa, dedicada al aumento de la circulación mercantil de la Compañía.

Legitimidad

La compañía y su marca «GL» están registradas en la UE, en Madrid, España:

– Fecha del registro: 06.03.2017
– № del certificado del registro: В 04859047

La compañía tiene todos los documentos y licencias necesarias. Su actividad y obligaciones fiscales se regulan por la Ley de la UE y de España. Acción de nombre de la Compañía y copia de su marca por personas físicas o jurídicas sin permiso de la Compañía se consideran ilegales y serán procesados.

Poseedores de la compañía son inversores privados.

Presidenta de la Compañía: Ksenia Kreguer.

Órgano administrativo superior de la compañía: Consejo de los Fundadores:

– Ksenia Kreger
– Marina Gloria

Consejo de los directores de la compañía:

– Ksenia Kreger – presidenta;
– Marina Gloria – directora administrativa;
– Francisco Ginés Martínez – director ejecutivo;

Oficina central de la Compañía:
España, Madrid, Torre Europa, Paseo de la Castellana, 95.

Oficinas representativas:
– España, Almería, Calle Eduardo Chillida Centro de negocios ‘Carrida Plaza’;
– Hainan Province, Haikou, Fullsing Town, Innovation Base, Binghai Avenue 32, Building E.
海南省海口市滨海大道32号复兴城E区二楼
– Ahora la Compañía abre sus oficinas en los países de Asia, África, América del Norte y América Latina.

Servicios de almacenamiento de los lingotes del oro de la Compañía se proporciona por el sucursal español del fabricante del oro alemán «Degussa», Madrid.

Acuerdo de servicio

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1. Disposiciones generales

En el contrato se usan los conceptos y definiciones siguientes:

1.1. Contrato: Es este el acuerdo de la prestación de servicios, ofrecidos por la Compañía por Internet y servicios de entrega y almacenamiento de oro en lingotes.

1.2. Servicios: Elaboración de órdenes de compra de bienes de consumo y de la compra y venta de lingotes y monedas de oro de inversión conforme a las disposiciones generales y condiciones de conclusión de acuerdos, control sobre su ejecución y uso de las herramientas de promoción y marketing.
El contrato, concertado entre Compañía y Cliente, está en la página web oficial de la Compañía en forma digital.

1.3. La Compañía: Es una tienda en línea (online) “Golding Life” (el número de registro es B 04859047, registrada en la EU, en España), que concertó este Contrato con el Cliente

1.4. Cliente es una persona jurídica o física en pleno poder de sus derechos políticos y civiles.

1.5. Partes son Compañía y Cliente

1.6. Página Internet es la página web oficial de la compañía, que tiene la dirección https://www.goldinglifeshop.com con el despacho personal del cliente

1.7. Despacho personal es una interfaz en la página web oficial, ofrecida al Cliente para realización de órdenes, control y uso de los servicios.

1.8. Términos y condiciones generales de conclusión de acuerdos comerciales son términos y condiciones de este Contrato, disponibles en la página web. Son las reglas de la Compañía de implementación de acuerdos comerciales y relaciones entre Compañía y Cliente, que concertó en dicho Contrato.

2. Objeto del contrato, derechos y obligaciones de las Partes

2.1. De acuerdo con las cláusulas de este Contrato, la Compañía proporciona al cliente un derecho del uso de los servicios de Internet de la Compañía para elaboración de órdenes de compra y venta de los bienes elegidos, lingotes y/o monedas de oro de inversión, aplicando las herramientas técnicas proporcionadas por la Compañía.

2.1.1. Los precios de compra de bienes de consumo y de compra venta de lingotes de oro de inversión, al igual que los precios de los servicios proporcionados por la Compañía, pueden cambiarse en acuerdo a las cláusulas de este Contrato y de las Condiciones de implementación de los acuerdos.

2.1.2. La Compañía hace entrega de los bienes de consumo, lingotes y monedas de oro de inversión, adquiridos a través de correo asegurado. A petición del cliente, la Compañía coloca lingotes y monedas de oro de inversión para la custodia segura en un depósito certificado de metales preciosos. En este caso, el dueño paga por la entrega y el almacenamiento de los lingotes y monedas de oro de inversión. La obtención de lingotes y monedas de oro de inversión del depósito se realiza sólo con cita previa.

 

3. Pagos bajo el contrato

3.1. En caso de desacuerdo con los cambios en las condiciones de acuerdos comerciales, el cliente tiene derecho:

– de terminar la ejecución de la compra bajo las viejas condiciones;

– de negar el registro de un nuevo acuerdo comercial.

3.2. El cliente pagará la compra de acuerdo con la factura hecha por de la Compañía con detalles del pago a la Compañía. El Cliente se compromete a realizar el pago sólo en la cuenta bancaria indicada en la factura durante las siguientes 24 horas a la fecha de celebración del acuerdo comercial.

3.3. La orden de pago deberá contener el número de factura de compra. En ausencia de estos datos, la Compañía tendrá el derecho de no depositar el dinero y suspender el presente acuerdo comercial hasta el momento de la correcta ejecución del pago. Las Costas (comisiones bancarias del banco emisor y el banco del beneficiario) de transferencia se pagarán por el cliente.

3.4. El cliente es el único responsable de la exactitud de los pagos realizados por él.

3.5. El pago se considera realizado a partir del momento de poner el dinero en la cuenta de la Empresa.

3.6. El cliente tiene derecho de imprimir la factura. Bajo la demanda del cliente por el pago adicional se le mandará la factura por correo a la dirección indicada por el cliente.

3.7. El cliente está obligado a mirar por su correo electrónico el recibo de las facturas de la Compañía.

3.8. En caso de retraso del pago de la factura de compra de más de 24 horas, la Compañía puede cancelar este Contrato sin previo aviso. En este caso, la compra de bienes de consumo, lingotes o monedas de oro de inversión se cancelará.

4. Las disposiciones de privacidad

4.1. Política de la Compañía

4.1.1. La empresa se compromete a tomar todas las medidas razonables para proteger la privacidad e información personal del Cliente, obtenida del cliente a través de la página web de la Compañía, software, herramientas web, aplicaciones, servicios de terceros y servicios móviles proporcionados por la Compañía.

4.1.2. Esta política de privacidad está activada y corresponde a las Condiciones de la Compañía. El uso de los servicios web, servicios y productos por el clientes sigue siendo una cuestión de los Términos y Condiciones en cualquier momento.

4.2. Información personal

4.2.1. Información personal es la información sobre una persona física por la cual se pueda identificar a esta persona.

4.2.2. La Compañía puede recopilar información personal sobre el cliente cuando:

– él se registra o abre una cuenta;

– usa los servicios proporcionados por la Compañía;

– se comunica en foros o redes sociales;

– contacta con la Empresa por correo electrónico independientemente de la causa.

4.2.3. Parte de la información personal puede ser recogida de forma automática, como por ejemplo:

– dirección de protocolo de Internet del PC cliente o de su unidad móvil;

– tipo del sistema operativo del ordenador o móvil del cliente;

– tipo de navegador, dirección de la página web del cliente;

– fecha y hora de acceso a la página web de la Compañía y su interacción con la Compañía.

4.2.4. Si el cliente hace cualquier compra a través del servicio de la Compañía, podrán requerirse los datos para la facturación de su tarjeta de crédito. Todas estas transacciones a través de tarjetas de crédito están totalmente encriptadas y los datos de la tarjeta de crédito del cliente y de la facturación son recogidos y almacenados por la Compañía misma o de un tercero de confianza. Está prohibido a cualquier tercer parte de utilizar la información de las tarjetas de crédito para otros objetivos excepto el almacenamiento de datos de la tarjeta de crédito.

4.2.5. Una parte de la información recopilada por la Compañía puede ser recogida de forma automática mediante una cookie (un pequeño archivo de texto que se encuentra en el ordenador del Cliente y que lo identifica como usuario único) que permite seguir:

– el avance del cliente mientras use los servicios de la Compañía;

– su estatus al ordenar los productos de la Compañía.

4.2.6. La compañía utiliza la información personal obtenida para:

– proporcionar servicios al cliente y cumplir con sus obligaciones legales;

– realizar un contacto o consulta;

– proporcionar el servicio;

– comprender mejor las necesidades del Cliente;

– mejorar marketing, productos y servicios;

– contactar con el Cliente.

Si a la Compañía no se le proporciona la información personal necesaria sobre el Cliente, puede ser incapaz de proporcionar (parcial o totalmente) sus servicios para el Cliente.

4.2.7. La compañía protegerá la información personal del cliente y no la revelará a ninguna tercera parte, excepto cuando sea necesaria para compartir información personal con los subcontratistas que prestan servicios a la Compañía. Estos servicios pueden incluir:

– Asistencia en la prestación de servicios de la Compañía;

– Asistencia en el estudio y análisis de la información acerca de las personas que solicitan servicios o información sobre la Compañía;

– Asistencia en marketing o petición para los productos de la Compañía;

– Asistencia en el procesamiento de la información sobre una tarjeta de pago.

4.2.8. Cualquier información, la que el Cliente elija para anunciar incluso información personal, como regla, puede ser puesta a disposición del público o de la comunidad en Internet.

4.2.9. La Compañía puede revelar información personal solo legalmente, cuando sea necesario:

– para estar de acuerdo con los procesos u órganos jurídicos;

– para responder a cualquier reclamación o para proteger los derechos, propiedad o seguridad personal de la Compañía, de sus empleados, de sus clientes o del público.

4.3. Autorización, acceso, cambios

4.3.1. En el caso de que la compañía sepa o tenga razones para suponer que el cliente participa en actividades ilegales en cualquier jurisdicción, la que la Compañía considere como la importante (a su discreción), la Compañía se reserva el derecho de:

– no cumplir con las obligaciones con respecto a la privacidad de los clientes;

– cooperar plenamente con las autoridades gubernamentales en cualquier parte del mundo.

4.3.2. La compañía ha tomado medidas razonables para garantizar la protección de la información personal que está bajo su control de pérdida, así como del acceso, uso, modificación o divulgación por cualquier otra persona, con excepción de la misma Compañía.

4.3.3. La información sobre la cuenta del cliente en el modo online sólo está disponible mediante una contraseña. Para proteger la confidencialidad de la información personal, el cliente debe mantener su contraseña en secreto y no revelarla a ninguna otra persona. El cliente es responsable del uso del servicio de la Empresa por cualquier persona que utilice la contraseña del Cliente. El Cliente debe notificar inmediatamente a la Compañía si sospecha el uso no autorizado de su contraseña.

4.3.4. La Compañía se reserva el derecho de modificar esta Política de Privacidad en cualquier momento. La Empresa puede utilizar la información personal para nuevos e imprevistos usos no divulgados anteriormente en esta Política de Privacidad. En el caso del cambio de esta política de privacidad, la Compañía informará al cliente de dichos cambios, incluso la fecha de renovación de la política de privacidad para que el Cliente en caso de desacuerdo tenga la oportunidad de renunciar a los servicios de la Compañía. La compañía recomienda al Cliente navegar constantemente por la página web de la Empresa para seguir los cambios de su política de privacidad. Si al Cliente le preocupa la manera del uso de su información personal, puede ponerse en contacto con la Compañía:

– por e-mail: administration@goldinglife.com

 

5. Los datos de seguridad

5.1. Trámites establecidos

5.1.1. La Compañía utiliza un alto nivel de control y seguridad. La compañía también recomienda al Cliente fuertemente proteger su información personal en línea.

5.1.2. El Cliente no debe elegir una contraseña incorrecta, como por ejemplo:

– la de las combinaciones de números y letras, la que es fácil de adivinar;

– contraseñas utilizadas por el Cliente para otros servicios bancarios o no bancarios;

– contraseñas con otra información personal de acceso fácil (por ejemplo, fecha de nacimiento, nombres de miembros de la familia, nombres de mascotas, o el nombre de la calle).

El cliente debe mantener su contraseña de la tienda «GL» en privacidad en todo momento.

5.2. Su responsabilidad

5.2.1. El Cliente debe:

– tomar todas las medidas razonables para evitar, que le vigilen tecleando su contraseña en la Tienda Online «GL»;

– no dejar su ordenador desatendido al entrar en la tienda en línea «GL»;

– no dar a conocer su contraseña de su cuenta de la tienda online «GL» a nadie (incluso policía, personal del banco o familia);

– no hacer registro escrito de la contraseña de la tienda online «GL».

 

6. Resolución de controversias del contrato, la responsabilidad por incumplimiento del contrato

6.1. La actividad de la Compañía se regula por las leyes de España, de la Unión Europea y de los países en los cuales esté registrada. Cualquier disputa, controversia o reclamación en relación con este Contrato o su incumplimiento, resolución o nulidad, se resolverá definitivamente mediante el tribunal del país apropiado.

6.2. El Cliente es responsable de la violación de este Contrato y las condiciones a la hora de celebrar acuerdos comerciales, incluso cuando el cliente es responsable de todas las pérdidas incurridas como consecuencia del incumplimiento de su Contrato y los términos del acuerdo comercial.

6.3. En caso de que el comprador viole las disposiciones de este Contrato y términos del acuerdo comercial, la Compañía tiene el derecho de anular inmediatamente el Contrato antes de tiempo sin previo aviso. En este caso, el pago recibido anteriormente no se devolverá al Cliente.

6.4. La Compañía será responsable de las posibles pérdidas del cliente (incluyendo por cualquier daño directo e indirecto o lucro cesante), que pueden incurrir, utilizando los servicios en línea ofrecidos por la Empresa, despacho privado o herramientas técnicas.

6.5. No es aceptable practicar cuando el Cliente de la Compañía anunciando los bienes y servicios de nuestra tienda en línea está fuera del alcance de su plan de mercadotecnia y, por ejemplo, ofrece clientes potenciales:

– términos inexistentes de cooperación con «Golding Life»;

– productos que no se venden en nuestra tienda en línea;

– programas que no están incluidos en nuestro plan de marketing acumulativo.

Para una práctica tan consciente o inconsciente, que daña la reputación comercial de «Golding Life», existen sanciones:

– el mantenimiento de la cuenta del Cliente multado se suspenderá por 3 meses;

– se impondrá una multa de 1.000 EUR al cliente y solo después de su pago, el cliente podrá continuar la cooperación con la empresa;

– en caso de una violación reiterada, la cuenta del cliente multado será cancelada (ver cláusula 6.3 de este Acuerdo).

 

7. Fuerza Mayor

7.1. Las partes se quedan liberadas de responsabilidad por incumplimiento parcial o total de las obligaciones de este Contrato si dicho fallo fue causado por fuerza mayor que surja después de la conclusión del Contrato como consecuencia de acontecimientos extraordinarios, tales como:

– desastres naturales, terremotos, huracanes;

– guerras y acciones militares de cualquier tipo;

– eventos extraordinarios que las Partes no podrían prever ni evitar a través de medidas razonables.

7.2. Si una o la otra parte no puede cumplir totalmente o parcialmente sus obligaciones por circunstancias definidas en sección 7.1 de este Contrato, el plazo de ejecución de las obligaciones de este Contrato se extenderá por un período igual al período durante el cual existen tales circunstancias.

7.3. Si las circunstancias especificadas en la sección 7.1. de este Contrato duran más de doce meses, cualquiera de las partes podrá terminar el Contrato y en este caso, ninguna de las partes tenga derecho de compensación de las pérdidas, relacionadas por dicha terminación.

7.4. Parte, que sea incapaz de cumplir con sus obligaciones definidas en la sección de este Contrato tiene que informar inmediatamente por escrito a la otra Parte de la ocurrencia de tales circunstancias, indicando la razón de las circunstancias y su influencia sobre la capacidad de realizar las obligaciones contractuales.

 

8. Cierre del Contrato, su validez, procedimiento de la terminación

8.1. Contrato entra en vigor y es vinculante para las partes a partir la fecha de confirmación del Contrato por el Cliente por medios electrónicos, a saber: una indicación del cliente en la parte inferior del Contrato “Estoy de acuerdo”, así como la recepción de la orden de pago por la Compañía de los servicios según términos del Contrato.

8.2. El Contrato es para completar la ejecución de la orden por las Partes y podrá ser renovado automáticamente.

8.3. Los miembros del programa de bonos de ahorro colectivo “Golden Bullion” pueden salir del programa de bonos de ahorro colectivo y dejar de cooperar con la empresa, sólo después de pasar el tercer nivel de bonos del programa de ahorro colectivo de la tabla seleccionada programa.

8.4. En el caso de terminación anticipada del Contrato por parte o culpa del Cliente, la cuota de suscripción no será reembolsable.

 

9. Disposiciones finales

9.1. Este acuerdo y los documentos relacionados contienen todo el volumen de los acuerdos y reemplazan todos los acuerdos anteriores, tanto orales como escritos, existentes entre las partes en relación con este Contrato.

9.2. Si alguna disposición de este Contrato fuese anulada, deberá ser reemplazada por otra condición válida, que se corresponda lo más posible al resultado deseado y al objetivo económico de la condición nula. La invalidez de cualquier disposición de este Contrato no afecta de ninguna manera a la validez de los demás términos del Contrato.

9.3. El presente Contrato se celebra a favor de las Partes Contratantes y será vinculante entre ellos y sus sucesores. Las obligaciones de este Contrato no pueden ser transferidas a terceros.

9.4. Esta página web no está destinada a la distribución o al uso por personas físicas o jurídicas que sean residentes, estén registrados o estén bajo tal jurisdicción, donde el uso o distribución violaría la ley aplicable o acto normativo, del mismo modo si para dicha distribución o uso se necesitasen acciones, relacionadas con el registro o licencia en esta jurisdicción de la tienda en línea «GL» o cualquiera de sus empresas u organizaciones afiliadas.

9.5. Este sitio web y su información son propiedad de la tienda en línea «GL» y no puede ser utilizados para elaborar informes legales, corporativos, fiscales, contables, de valores, los de inversión y consultas, incluyendo el desarrollo de las opiniones de inversiones o estrategias de inversión. Esta página web no está realizada para llamar o invitar a hacer sugerencias de oferta pública para la compra o venta de cualquier producto o servicio al consumidor o inversión a cualquier persona física o jurídica, sea en cualquier jurisdicción.

9.6. Los bienes mostrados en la página web sólo están disponibles para los residentes en países en los que la oferta de estos productos esté permitida por la ley.

Миссия и философия Компании

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Компания ставит своей целью сделать доступным для широких слоёв населения приобретение:

– золотых потребительских товаров для нужд повседневной жизни, празднования знаменательных событий и в качестве подарка близким и уважаемым людям;

– а также инвестиционных золотых слитков и монет, чтобы они могли формировать свои реальные золотые резервы;

– необходимости создания каждым человеком своих золотых резервов в виде физических золотых инвестиционных слитков и монет;

– de la importancia de que las personas utilicen en su vida diaria productos de oro de clase premium, que representan su nivel de vida y su estatus en la sociedad.

Доступная для населения ценовая политика Компании в сегменте золотых товаров стала возможной благодаря:

– эффективному подбору производителей и поставщиков золотых товаров;

– оптимизации процесса онлайн-заказа и доставки золотого товара до клиента;

Condiciones del acuerdo de venta en «GL»

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1. La tienda online internacional de la Compañía «Golding Life» realiza la Compra y Entrega:

– De bienes exclusivos de consumo de la clase Premium, uno de los componentes de los cuales es el oro;

– De lingotes y monedas de oro de inversión.

2. La entrega de los bienes se realiza a través de correo asegurado o el cliente puede recibirlos a través de los departamentos de entrega de la Compañía con cita previa. El coste de la entrega se determina por el servicio de correo.

El coste de almacenamiento de lingotes y monedas de oro de inversión es un 0.1% al mes de la cantidad de oro ubicado en el depósito al primer día de cada mes.

La Compañía guarda lingotes de oro en la sucursal española del productor de oro alemán Degussa:

«Degussa Metales Preciosos»
Madrid

3. Para comprar los bienes elegidos el cliente debe:

– Elegir los bienes y hacer el pedido de compra.

– Pague su pedido y el costo de la entrega por cualquiera de los métodos para esto.

4. En las siguientes 24 horas el Cliente deberá hacer el pago por los bienes de consumo o de inversión de cualquier método conveniente ofrecido en la página web de «GL».

NB: Si el Cliente paga los bienes y servicios de la compañía a través de transferencia bancaria, se le enviará la factura de pago a su e-mail indicado durante el registro. El Cliente debe hacer el pago y mandar la copia de la orden de pago por correo electrónico administration@goldinglife.com dentro de las siguientes 24 horas. La compra será anulada si el comprobante de pago no llegase durante las siguientes 24 horas.

Envío y Devoluciones

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Como norma general, todas las compras que se realicen en nuestra página web o a través de nuestro número de teléfono, están sujetas a las condiciones generales de compra señaladas en este documento. Todos nuestro precios llevan incluido el Impuesto sobre Valor Añadido (IVA) correspondiente.

Proceso de Reserva

Los pedidos realizados mediante nuestro sistema automátizado serán atendidos por nuestros comerciales una vez haya finalizado el último paso del proceso de reserva y teniendo claro que:

a) Deberá seguir los trámites que se reflejan en el proceso de compra.

b) Todos los precios incluyen IVA y son válidos salvo error tipográfico. Si existiera algún error en el precio siempre se le avisaría antes del envío

c) Se procederá al archivo del documento electrónico en que se formalice el pedido, siendo este accesible al Cliente en su panel de control personal.

d) Existen medios técnicos para identificar y corregir errores en la introducción de datos hasta que finalice la compra. Disponemos de tres métodos para facilitarle el pago, mediante Transferencia Bancaria, Pago Seguro Electrónico con Tarjeta y PayPal. Puede ampliar información en Formas de Pago.

e) Los productos sólo estarán reservados una vez recibido el pago, por lo que damos preferenca en la reserva y el envío a los pagos correctamente recibidos. Si tiene dudas o tiene prisa por recibir su envío y ha seleccionado el pago con transferencia tenga en cuenta esta cuestion y si lo necesita confirme antes con nuestro departamento de atención al cliente.

Proceso de Envío

Usted recibirá durante todo el proceso un mínimo de 3 correos electrónicos de Goldinglife.com:

a) Pendiente: Este correo le informará de que su pedido ha sido correctamente recibido y enviado a nuestros comerciales. Este es un proceso automático que la tienda realiza con cada pedido y que se envía al instante. Si usted realiza un pedido y pasadas 24 Hrs no ha recibido correo por nuestra parte, le rogamos se ponga en contado con nosotros para que podamos gestonar la incidencia.

b) Pago Pendiente ó Pago Confirmado: Este correo le indica que su pedido está siendo atendido y el estado de pago en el que se cuentra. En este proceso nuestros comerciales se pondrían en contacto con usted si hubiera alguna duda con su pedido, en caso contrario se procedería a preparar su pedido. Este es un proceso manual que nuestros comerciales realizan personalmente. Si ha seleccionado el Pago mediante Transferencia Bancaria recibirá un nuevo correo de “Pago Confirmado” en el momento que recibamos su abono.

c) Enviado: Con este correo le informamos que su pedido ha sido entregado a la agencia de transportes para que le sea enviado. A partir de la recepción de este correo, recibirá su pedido en el plazo de 2-7 dias a la dirección indicada.

En caso de que en su pedido figure algún producto o productos que en ese momento no se encontre en nuestro stock, nuestros comerciales se pondrían en contacto con usted antes de enviarle el correo correspondiente a “Proceso” para informarle de la próxima fecha de disponibilidad del mismo, garantizandole el mismo precio y asumiendo Goldinglife cualquier tipo de incremento si una actualización de stock lo requiriera, con un máximo de 1 mes de vigencia. Los gastos de envío corren de parte del cliente, salvo promociones puntuales de Gastos de Envío gratuitos.. Goldinglife corre con los gastos de asegurar el envío e invertir en un medio de embalaje seguro para que los productos lleguen en perfectas condiciones a su dirección elegida.

Junto con su envío se adjuntará la Factura correspondiente aunque puede ser enviada por correo electrónico en caso por ejemplo de que usted regale a una tercera persona el pedido.

En tal caso deberá avisarnos a la hora de realizar su pedido explicandonos el asunto dentro del espacio reservado para “OBSERVACIONES”. En caso de que no haga constar una razón social o su DNI le enviaremos un Albarán firmado y sellado con todos los conceptos detallados. NUESTROS ENVIOS EN 24 HRS Para que un pedido sea recibido en 24 Hrs desde su solicitud deben darse las siguientes circunstancias:

– El pago debe hacerse con tarjeta vía Pasarela Segura de Pago o ingreso en cuenta desde una sucursal de nuestro banco. Cuando se realizan transferencias bancarias entre diferentes bancos dichas transferencias pueden llegar a tardar hasta 48 Hrs por lo que hasta que no se recibe en cuenta no se procede con el proceso de envío.

No se admiten justificantes de pago bancario como prueba para acelerar el envío, es imprescindible que lo hayamos recibido en cuenta.

– La recepción de pedidos para que lo preparemos, emitamos la correspondiente factura, etc, debe realizarse antes de las 13.30 hrs del día, ya que pasada esa hora generalmente no hay tiempo material para tener preparado el pedido para la agencia de transportes, los pedidos recibidos después de ese horario como norma general serán entregados a la agencia de transportes al día siguiente.

– El servicio será 24 Hrs siempre y cuando la agencia disponga de dicho servicio en su zona, sino pasará a 48 Hrs. Si su pedido excede los 20 KG igualmente pasará a 48 Hrs ya que el exceso de peso no puede ser gestionado por el servicio Urgente y será enviado con otra agencia mas preparada para este tipo de envío.

– Recepción de Lunes a Viernes. Al no existir entrega en fín de semana, lo pedidos recibidos durante el Jueves por la tarde o el Viernes no podrán ser entregados hasta el siguiente Lunes. Tiene la posibilidad de recoger usted mismo en agencia el pedido en “Sábado” en horario de 09 a 11 Hrs. Consúltenos al respecto..

– Stock Suficiente. Si nos solicitara un stock superior al que en ese momento tenemos en almacén le llamaríamos al momento a su teléfono para informale de la situación y actuariamos según usted nos indicara, realizándole al instante y sin coste alguno para usted una devolución de su pago (ya sea por transferencia o por Pasarela de Pago Seguro) ó reduciendo o modificando las cantidades abonándole la parte proporcional no disponible. Tiene información ampliada sobre el servicio 24 Hrs en el apartado de Gastos de Envío. ENVIOS A EUROPA

– Los envíos dentro de la Comunidad Europea tienen un tiempo de recepción de 3-4 días. Algunos países como Reino Unido tiene un plazo de recepción de 7 días, mire en nuestro apartado de Gastos de Envío.

– El tiempo de 3-4 días (sin contar fin de semana) comienza a contar desde el mismo momento que su pedido pasa al estado de “ENVIADO” y es un tiempo aproximado, que podría verse reducido o ampliado según gestión del transportista. Esto quiere decir que si el transportista agiliza por cuestiones logísticas internas su envío, podría recibirlo en menos tiempo e igualmente por cuestiones de climatología, tráfico, etc. Podría verse retrasado. Esta información siempre la conocerá a través del tracking de seguimiento que le enviaremos.

– 24 Hrs. después de recibir nuestro correo electrónico con el cambio de estado de su pedido a “ENVIADO”, recibirá otro correo electrónico con el tracking de seguimiento de nuestro transportista internacional, para que pueda saber los tiempos y el tránsito que esta teniendo su paquete. Goldinglife recibe este tracking a las 24 Hrs del envío, por lo que le rogamos que espere a que nosotros le enviamos el número y el enlace, ya que antes de ese tiempo es imposible darle información. ENVIOS FUERA DE EUROPA

– Los envíos internacionales con destinos fuera de Europa, tienen otras condiciones en plazos de entrega que pueden llegar a las 4 semanas. Tiene información ampliada en Gastos de Envío DEVOLUCIONES Si desea realizar una devolución dispone de 7 días después de recibir su pedido para poder solicitarlo. Deberá ponerse en contacto con nuestro departamento de atención al cliente a través de nuestro apartado de contacto  y exponernos su intención de devolver el producto así como el motivo del mismo.

Deberá enviar el pedido a portes pagados, en su embalaje original perfectamente cerrado como lo recibió y adjuntar la factura de compra relacionada.

Nuestros comerciales revisarán el paquete y si los productos se encuentran en perfectas condiciones procedremos a anular la factura y a reembolsarle su dinero o a cambiarlo por el producto que prefiera.

En caso de que el pedido no venga en las mismas condiciones que salió de nuestro almacén no nos haremos reponsables de el y se lo devolveremos a portes debidos.

En cualquiera de los casos los portes de envío serían descontados del abono a realizar.

Cómo comprar un producto

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1. Seleccione el producto deseado.

2. Haga clic en el botón Poner en la cesta.

3. Introduzca su información personal (toda la información que usted proporciona – nombre, número de tarjeta de crédito, dirección, número de teléfono – es estrictamente confidencial, encriptada y almacenada en nuestro servidor).

4. Confirme su pedido.

5. Pague su pedido y el costo de la entrega por cualquiera de los métodos para esto.

6. Tras el pego su pedido será entregado a su puerta dentro de 4-10 días (dependiendo de la ubicación de entrega).

Nota:

– Duración y costo de envío depende de la ubicación de entrega.
– La entrega no se realiza en el país donde se prohíbe la entrega de los productos ofrecidos por nosotros.

El papel del oro

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Aun perdiendo la función de dinero normal, el oro sigue siendo una herramienta históricamente aprobada y segura para preservar el bienestar durante cualquier problema económico:

– Durante crisis políticas o económicas mucha gente piensa en la compra de oro.
– Además, los inversores compran oro también para multiplicar sus medios monetarios, porque subconscientemente están esperando el crecimiento de la demanda de oro y consiguientemente el aumento de su precio para venderlo en el futuro.

– En el momento cuando los fabricantes del papel moneda, electrónica o digital pierdan el control o no la controlen correctamente, el oro físico se hace una reserva más segura que el dinero normal.

Las reservas mundiales de oro ahora exploradas y listas para la extracción cuentan con tan solo doscientas quince mil (215000) toneladas de oro, de los cuales solamente treinta y cinco mil (35000) toneladas, se extraerán dentro de los 10 o 15 próximos años. Pero la mayoría de oro ya extraído está ahora:
– en los bancos centrales de diferentes países;
– en propiedad de las personas más rica del planeta, que tradicionalmente poseen oro;
– en productos de industria y joyería, técnica digital, espacial o médica.

Y con esto la cantidad de oro nuevo crece tan solo 1.6% por año en comparación con la reserva de oro en todo el mundo. Tan lento aumento del metal precioso accesible para circulación es una de la característica más importante del oro, ¡que no se cambiaba en los últimos 4000 años! Y todo este oro está calculado y tiene sus poseedores, sirviendo de garantía para su bienestar y riqueza.Y esto es lo típico para nada más que el oro!

Pero la población del planeta sigue creciendo a mil millones cada 15 años y consiguientemente se aumentó el número de los que potencialmente se podrían calificar para su cuota de todo el oro mundial.

Como resultado, la posesión de oro por la población mundial del planeta se reparte desigualmente:
La mayoría del oro (muy a menudo en joyería) está en las manos de población asiática especialmente en la India y China.

Lingotes del oro de inversión de la pureza de 999.9 están concentradas en las manos de los poseedores privados de países de Europa y América, porque la mayoría de los millonarios de hoy (o los que se quieren hacer) prefieren poseer no el metal físico, sino su sustituto en forma del oro “de papel” o “digital”, considerándolo como una herramienta especulativa para obtener ganancia en divisas nacionales.

Así, hoy en día el oro sigue concentrandose en manos de oligarcas del mundo, pero a la gente del mundo le inspiran pensamientos de que:
La posesión de oro no es actual.
Hay que deshacerse del oro lo más rápido posible
Formando reservas financieras, siendo suficiente usar papeles comerciales y acciones.

Por eso es muy importante ahora transmitir y distribuir información de la importancia del oro en nuestra vida para no quedarse de repente con nada por depreciación los activos de papel y sustitutos digitales del dinero normal

Historia.

Ya los egipcios antiguos empezaron a aplicar el oro alimenticio en sus ritos religiosos hace 3.5 mil años. El oro para decoración sagrada lo usaron también en los países del Este. En Japón el consumo del oro se hizo una fuere tradición: su adicción en sake durante celebración del año nuevo simboliza la suerte futura en los asuntos y prosperidad en el negocio durante todo el año siguiente. Los regalitos comestibles, sembrados o cubiertos del oro, demuestran estatus y sentido del propio éxito a todo el mundo.

Esta práctica (aplicar el oro) se hizo conocidaen el siglo XV y era tan popular, que por ejemplo en la ciudad italiana Padulla en el año 1500 pusieron los límites al uso del oro en celebraciones y fiestas. Con el paso del tiempo esta tradición refinada se extendió por todo el mundo y vino a España, añadiendo los “colores de oro” a su cocina tan rica y diversa.

E-175 

Es sabido, que los preparados del metal precioso, que simboliza poder y riqueza, se aplican ya desde hace mucho tiempo por la medicina oficial para curar una serie de enfermedades. Las propiedades útiles del oro son regulación de la función de órganos internos, purificación del cuerpo, mejora del proceso de digestión y rejuvenecimiento.

Ahora el oro se usa en gastronomía como la única adicción comestible E-175 (Gold), que:

– Está permitida en la EU para aplicación en industria farmacéutica, de cosmetología y la de procesamiento de alimentos, pero se usa rara vez por su coste alto;

– No se destruye bajo el efecto de acidez; esresistible a la luz, alcalinos y temperaturas altas;

– No influye negativamente al cuerpo humano, porque el oro es hipo alergénico y no tiene ni sabor, ni aroma; estosignifica que no influye al sabor y aroma de una confitería o bebida.

Por eso el oro alimenticio es irreemplazable para una decoración impresionante de la confitería, de unos platos exclusivos y de unas bebidas alcohólicas de la clase Premium, que se ofrecen en los restaurantes y lugares más lujosos y caros. En las manos de un profesional el oro convierte bebidas y platos en una obra maestra del arte!

Hay cuatro tipos del oro comestible de 24 quilates: en hojitas, en polvo, en migas y en copos:

– El oro en hojas se usa para cake design (el arte de decoración de pasteles);

– El polvo es ideal para decorar bebidas y cocteles;

– Migas son para decorar las exquisiteces diferentes, canapés, tartas y platos de la “cocina nueva” (nouvelle cuisine);

– Los copos se recomiendan para decoración de los platos y bebidas alcohólicas.

El oro tiene una variedad de las únicas oportunidad para decoración de los platos más refinados, para cenas de gala, para fiestas y bodas, dándoles una elegancia irrepetible! El oro añadido a las bebidas en forma de las hojitas finitas (unas micras de grosor) los llena de un centelleo increíble de oro!

Conditions for participating in the «GL» marketing program

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1. General Terms and Conditions

1.1. Agreement between the Company and a Client for participating in «Golding Life’s» online store advertising and marketing program is reflected by the following terms and conditions.

Acceptance of this Agreement allows:

– to each Client to take part in «GL» marketing program and receive a bonus reward from the Company for successfully advertising the Company’s goods and services using the online store.

– to the Company to receive income from sale of the consumer goods and investment gold bars and gold coins distributed through «GL» online store.

The Company’s advertising and marketing program was designed ONLY to render help to those who wish to distribute the Company’s products through the «GL» online store in the global market and receive golden bonuses for the turnover of consumer and investment gold goods from the company.

1.2. To participate in the «GL» marketing program, a Client should:

– Register him/herself in the «GL» online store.

– Finalize and pay for the order of the chosen gold consumer goods of the «GL» online store and also pay 25 euros as a processing fee.

– Recommend potential clients to also acquire gold consumer goods in frame of “Commodity Purchase for a total of at least 400 euros”, which will allow him or her to receive the Company’s bonus reward of 1 gr. investment gold.

– Place the accumulated gold bonuses in the chosen collective accumulative contribution table in the Bonus collective program, pay the subscription fee for Internet service and when the Bonus Collective Program Terms and Conditions are met, you will receive a bonus accumulative reward in form of investment gold bars or gold coins.

1.3. If a Client wants to immediately participate in the Collective bonus program table of his/her choice, he/she must:

– place an order and pay for the selected consumer goods in the «GL» online store and also pay a processing charge;

– order and pay the required amount of investment gold in bullions or coins to participate in the selected table of the Bonus Collective Program «Golden Bullion» or «Golden Coin» and pay the administrative fee for its Internet service.

 

2. «GL» Bonus collective accumulative program

2.1. The aim of the Bonus Collective accumulative program is to provide a «GL’s» Client additional opportunities to organize his personal reserves in form of investment gold bars and gold coins.

2.2. If the personal savings account «Golden Safe» is formed using the 1gr investment gold bonuses (that is a remuneration the Company awards an active Client for each purchase of 400 euros), as well as investment gold bars and gold coins purchased personally by the Client, then «GL» Bonus Program allows the ‘active Bonus Client’ to replenish his personal savings account by means of the bonus reward that he (the client) receives for closing the collective cumulative tables in which other bonus clients participate collectively.

2.3. A special feature of the Bonus collective accumulative tables is that:

– Bonus Client participates in the tables by placing directly their investment gold ingots or gold coins;

– The company immediately rewards the client with investment gold ingots and gold coins after fulfilling all the conditions of the Bonus Collective-accumulative program;

– The Bonus accumulation is divided into several parts: for accrual in the Client’s personal account («Golden Safe»), for participating in the next Bonus Collective Savings Table, for the reinvestment in the previous table, for remission in the “Gold promotion fund” (To further encourage the VIP clients) and for the payment of an administrative fee to be used by the Company for the maintenance of the collective-accumulative table.

In general, this allows Client to calculate the quantity of his/her accumulated personal gold reserves and the necessary actions to be taken to build his optimal business strategy.

2.4. The bonus collective accumulative program is realized by placing the Bonus-clients’ deposit in a 7-placed divisible matrix table, integrated into two programs:

– 5 tables for the «Golden Coin» Program, that is Bonus accumulations in investment gold bars («Start Coin», and «Golden Coin 1, 2, 3, 4»).

– 5 tables for the «Golden Bullion» Program, that is Bonus accumulations in investment gold coins («Golden Bullion 1, 2, 3, 4, 5»).

2.5. The Bonus client’s Participation in the collective-accumulative tables is realized either by using the bonuses received from the Company’s turnover increase, or at the expense of personally purchased investment gold bars and coins from the «GL» online store directly for participation in the selected «GL» Bonus collective accumulative Program

2.6. The Bonus client’s accumulative contribution is initially placed in the same bonus collective-accumulative table as his Sponsor. If, however, the Bonus client’s Sponsor is absent from the table which he (The Bonus client) chooses, then his accumulated contribution will be placed on the table of a superior sponsor (that is the person who invited him and is placed above him), in whichever structure he is located.

2.7. A Customer’s accumulative contribution can be transferred to another bonus collective-accumulative table free of charge only from the first level of the previous table within 48 hours from the moment of payment of his accumulative contribution and only at the request of Customer himself. After a period of 48 hours, the cost of transferring a Client’s accumulative contribution to another bonus collective-accumulative table will be 50euros.

2.8. For transferring the accumulative contribution to another bonus collective accumulative table, the consent of all active participants of the original bonus collective accumulative table is required. The “Active” Client status is lost if a client’s structure stays dormant for more than 60 days.

2.9. If a Client’s accumulative deposit in the «Golden Bullion» program is at the second or third level, it can be transferred to another bonus accumulative table only by swapping with another registration at that same level of a new bonus accumulative table.

2.10. Transferring of a accumulative deposit to another bonus collective-accumulative table with the aim of filling it up when there is only one place left on that bonus collective-accumulative table is prohibited.

2.11. The company reserves the right to refuse (without having to explain the reasons for) moving to another bonus collective-accumulative table.

2.12. The cost of transferring an accumulative deposit to another bonus collective-accumulative table is 50euros.

2.13. Any changes within the specified time limit of 48 hours after activation of the Client’s account can be made only once, after which no other changes can be effected and no registration cancellation is permited.

 

3. Bonus collective accumulative program «Start Coin»

3.1. Client can participate in the bonus collective accumulative program «Start Coin» only once and only in order to become a participant of the bonus accumulation program «Golden Coin 1» after completing the «Start Coin» program.

3.2. To participate in the bonus collective accumulative Program «Start Coin», client should deposit in it a 1/20 of ounce (1.55 grams) Golden Coin. The coin is to be purchased in the online store «GL» at a price defined by the online store on the day of purchase. In this case, the coin will first be placed into client’s personal account «Golden Safe», from which one it will be then transferred to the collective accumulative table «Start Coin».

3.3. The bonus collective accumulative table in the program «Start Coin» consists of one level of five places each going from left to right:

– First place is a permanent «Bonus place» of the «Bonus Client» (you);

– Places 2-5 are «Coin places» to place accumulative payments of personally invited clients;

– Client, located in his «Bonus place», at the same time takes one seat of the four «Coin places» in the table of his technical sponsor (if the technical sponsor is in a higher accumulative program, then that personal client is accounted by the system itself).

As soon as the «Coin places» from the 2nd to the 5th are filled, client receives a bonus accumulation of 4/20 of ounce (6.2 grams) of investment gold, which will be distributed as follows:

– 0,6 grams of investment gold (10%) are transferred to the «Golden Promotion Fund» for further encouragement of the company’s VIP customers;

– 3.1 grams (1/10 of ounce) of investment gold is for investing in the bonus accumulative program «Golden Coin 1», so that client could actively continue increasing his gold savings together with his both old and new personally invited clients;

– The rest of 2.5 grams (1/20 of ounce coin + 0.95 gr.) of investment gold is sold inside the online store at its repurchase price. Received amount in euro is to pay service charge of both the «Start Coin» program (25 euro) and the new «Golden Coin 1» (25 euros) program. The remaining amount is deposited in the customer’s personal savings account «Golden Safe», where it will be stored until the customer decides to withdraw it or to use it for participation in other bonus accumulation programs, for instance the «Golden Coin 2».

3.4. To receive a bonus accumulation in the «Start Coin» program, client should perform the qualification, that is, attract into that cumulative table contributions from at least 4 new personal clients.

3.5. In case, when an active client fills his table before his sponsor does, then he goes to the accumulative program «Golden Coin 1» to a higher sponsor and after reinvestment returns to his technical sponsor when that sponsor himself becomes participant of the «Golden Coin 1».

3.6. The client, participating in the main collective programs «Golden Coin 1, 2, 3, 4», can also invite his new personal clients to the accumulative program «Start Coin». In this case, his invited clients’ initial contributions (1/20 of ounce of investment gold) are credited to the «Golden Safe» account, but that Golden Coin becomes accessible only after his personally invited client becomes a participant of the «Golden Coin» program.

3.7. The client can withdraw from the bonus collectively-funded program «Start Coin» and withdraw its cumulative contribution in the form of an investment gold coin 1/20 ounce (1.55 grams) as follows:

– if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table, in this case the Client’s initial investment deposit from his sponsor’s table is transferred to the personal savings account of the Client leaving the «Golden Safe» account, and his personal clients are transferred to the sponsor;

– If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

– if the technical sponsor is located in a higher accumulative program, the entry fee of the Client leaving the funded program is simply returned from the «Golden Safe» of his technical sponsor.

4. Bonus collective accumulative program «Golden Coin 1»

4.1. To participate in the bonus сollective program «Golden Coin 1»:

– Client should make an accumulative contribution in the form of investment Golden Coin of 1/10 of ounce (3.1 grams) purchasing that investment Golden Coin in the online store «GL» at a price specified by the online store on the day of purchase. In this case the coin will be first deposited into his personal savings account «Golden Safe», from which one then it will be transferred to the «Golden Coin 1» table.

– Client also has to pay 25 euros as a maintenance fee for service of the chosen bonus collective accumulative program before he enters the table.

4.2. The bonus collective accumulative table «Golden Coin 1» consists only of one level of 5 places in one row:

– First place is a permanent «Bonus place» of the «Bonus client» himself;

– Places 2-5 are so called «Coin places» to deposit accumulative contributions of invited personal clients;

– Client, being at his «Bonus place», at the same time is at one of the four «Coin places» of his technical sponsor.

As soon as 4 new accumulative contributions fill the «Coin places» of the accumulative table, client receives his bonus accumulation in an amount of 4/10 of ounce (12.4 grams) of investment gold, which will be divided in next parts:

– 1.2 grams of investment gold (10%) are transferred to the «Golden Promotion Fund» for further encouragement of the company’s VIP clients.

– 0,5 gram as the maintenance fee of investment gold are reinvested in the same collective accumulative table «Golden Coin 1» in order that client could remain in the program and to count on the new bonus accumulation together with his new personally invited clients; if client decides not to join the table, that gold will be credited to the client’s personal savings account («Golden Safe»), where it will be stored until withdrawal;

– The rest of 7.1 grams of investment gold (two coins of 1/10 of ounce each + 1,36 grams) will be credited to the client’s personal savings account «Golden Safe», where the gold will be stored, but could be sold back to the company or invested in other programs.

4.3. In order to receive the bonus accumulative bonus, client must be qualified. This entails, attracting at least four accumulative contributions from new clients to fulfill the collective accumulative table. With subsequent participation in the bonus collective accumulative table «Golden Coin 1», client’s personal customers (partners) could be not only his new clients, but also old ones, if they decide to reinvest in the same table.

4.4. In case when an active client, being at the «Coin place» in the table of his sponsor, filled his table before his sponsor does and made reinvestment in the same table, his sponsor’s bonus accumulation increases additionally by the contribution that active client makes. Accordingly, client receives more accumulative bonuses into his personal account «Golden Safe», but also pays more to the «Golden Promotion Fund».

4.5. The client can withdraw from the bonus collectively-accumulative program «Golden Coin 1» and withdraw its cumulative contribution in the form of an investment gold coin 1/10 ounce (3.1 gr.) Only if its technical sponsor, in the table of which the client is located , has not had time to fill out his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

5. Bonus collective accumulative program «Golden Coin 2»

5.1. To participate in the bonus сollective program «Golden Coin 2»:

– Client should make an accumulative contribution in the form of investment Golden Coin of 1/4 of ounce (7.8 grams) purchasing that investment Golden Coin in the online store «GL» at a price specified by the online store on the day of purchase. In this case the coin will be first deposited into his personal savings account «Golden Safe», from which one then it will be transferred to the «Golden Coin 2» table.

– Client also has to pay 50 euros as a maintenance fee for service of the chosen bonus collective accumulative program before he enters the table.

5.2. The bonus collective accumulative table «Golden Coin 2» consists only of one level of 5 places in one row:

– First place is a permanent «Bonus place» of the «Bonus client» himself;

– Places 2-5 are so called «Coin places» to deposit accumulative contributions of invited personal clients;

– Client, being at his «Bonus place», at the same time is at one of the four «Coin places» of his technical sponsor.

As soon as 4 new accumulative contributions fill the «Coin places» of the accumulative table, client receives his bonus accumulation in an amount of 1 ounce (31.1 grams) of investment gold, which will be divided in next parts:

– 3.1 grams of investment gold (10%) are transferred to the «Golden Promotion Fund» for further encouragement of the сompany’s VIP clients.

– 8.8 grams (a coin of 1/4 of ounce + 1 gram as the maintenance fee) of investment gold are reinvested in the same collective accumulative table «Golden Coin 2» in order that client could remain in the program and to count on the new bonus accumulation together with his new personally invited clients; if client decides not to join the table, that gold will be credited to the сlient’s personal savings account («Golden Safe»), where it will be stored until withdrawal;

– The rest of 19.2 grams of investment gold (a coin of 1/2 of ounce + a coin of 1/10 of ounce + 0.5 grams) will be credited to the client’s personal savings account «Golden Safe», where the gold will be stored, but could be sold back to the company or invested in other programs.

5.3. In order to receive the bonus accumulative bonus, client must be qualified. This entails, attracting at least four accumulative contributions from new clients to fulfill the collective accumulative table. With subsequent participation in the bonus collective accumulative table «Golden Coin 2», client’s personal customers (partners) could be not only his new clients, but also old ones, if they decide to reinvest in the same table.

5.4. In case when an active client, being at the «Coin place» in the table of his sponsor, filled his table before his sponsor does and made reinvestment in the same table, his sponsor’s bonus accumulation increases additionally by the contribution that active client makes. Accordingly, client receives more accumulative bonuses into his personal account «Golden Safe», but also pays more to the «Golden Promotion Fund».

5.5. The client can withdraw from the bonus collectively-accumulative program «Golden Coin 2» and withdraw its cumulative contribution in the form of an investment gold coin 1/4 ounce (7.8 grams) only if its technical sponsor, in the table of which the client is located , has not had time to fill out his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– Subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– Bonus reward for information services rendered to the Client by his sponsor-mentor.

 

6. Bonus collective accumulative program «Golden Coin 3»

6.1. To participate in the bonus сollective program «Golden Coin 3»:

– Client should make an accumulative contribution in the form of investment Golden Coin of 1/2 of ounce (15.6 grams) purchasing that investment Golden Coin in the online store «GL» at a price specified by the online store on the day of purchase. In this case the coin will be first deposited into his personal savings account «Golden Safe», from which one then it will be transferred to the «Golden Coin 3» table.

– Client also has to pay 50 euros as a maintenance fee for service of the chosen bonus collective accumulative program before he enters the table.

6.2. The bonus collective accumulative table «Golden Coin 3» consists only of one level of 5 places in one row:

– First place is a permanent «Bonus place» of the «Bonus client» himself;

– Places 2-5 are so called «Coin places» to deposit accumulative contributions of invited personal clients;

– Client, being at his «Bonus place», at the same time is at one of the four «Coin places» of his technical sponsor.

As soon as 4 new accumulative contributions fill the «Coin places» of the accumulative table, client receives his bonus accumulation in an amount of 2 ounces (62.2 grams) of investment gold, which will be divided in next parts:

– 6.2 grams of investment gold (10%) are transferred to the «Golden Promotion Fund» for further encouragement of the сompany’s VIP clients.

– 16.6 grams (a coin of 1/2 of ounce + 1 gram as the maintenance fee) of investment gold are reinvested in the same collective accumulative table «Golden Coin 3» in order that client could remain in the program and to count on the new bonus accumulation together with his new personally invited clients; if client decides not to join the table, that gold will be credited to the сlient’s personal savings account («Golden Safe»), where it will be stored until withdrawal;

– The rest of 39.56 grams of investment gold (a one-ounce coin + a coin of 1/4 of ounce + 0.66 grams) will be credited to the client’s personal savings account «Golden Safe», where the gold will be stored, but could be sold back to the company or invested in other programs.

6.3. In order to receive the bonus accumulative bonus, client must be qualified. This entails, attracting at least four accumulative contributions from new clients to fulfill the collective accumulative table. With subsequent participation in the bonus collective accumulative table «Golden Coin 3», client’s personal customers (partners) could be not only his new clients, but also old ones, if they decide to reinvest in the same table.

6.4. In case when an active client, being at the «Coin place» in the table of his sponsor, filled his table before his sponsor does and made reinvestment in the same table, his sponsor’s bonus accumulation increases additionally by the contribution that active client makes. Accordingly, client receives more accumulative bonuses into his personal account «Golden Safe», but also pays more to the «Golden Promotion Fund».

6.5. The client can withdraw from the bonus collectively-accumulative program «Golden Coin 3» and withdraw its accumulative contribution in the form of an investment gold coin 1/2 ounce (15.6 gr.) only if its technical sponsor, in the table of which the client is located , has not had time to fill out his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

7. Bonus collective accumulative program «Golden Coin 4»

7.1. To participate in the bonus сollective program «Golden Coin 4»:

– Client should make an accumulative contribution in the form of investment Golden Coin of 1 ounce (31.1 grams) purchasing that investment Golden Coin in the online store «GL» at a price specified by the online store on the day of purchase. In this case the coin will be first deposited into his personal savings account «Golden Safe», from which one then it will be transferred to the «Golden Coin 4» table.

– Client also has to pay 50 euros as a maintenance fee for service of the chosen bonus collective accumulative program before he enters the table.

7.2. The bonus collective accumulative table «Golden Coin 4» consists only of one level of 5 places in one row:

– First place is a permanent «Bonus place» of the «Bonus client» himself;

– Places 2-5 are so called «Coin places» to deposit accumulative contributions of invited personal clients;

– Client, being at his «Bonus place», at the same time is at one of the four «Coin places» of his technical sponsor.

As soon as 4 new accumulative contributions fill the «Coin places» of the accumulative table, client receives his bonus accumulation in an amount of 4 ounces (124.4 grams) of investment gold, which will be divided in next parts:

– 12.4 grams of investment gold (10%) are transferred to the «Golden Promotion Fund» for further encouragement of the сompany’s VIP clients.

– 32.2 grams (a coin of 1 of ounce + 1 gram as the maintenance fee) of investment gold are reinvested in the same collective accumulative table «Golden Coin 4» in order that client could remain in the program and to count on the new bonus accumulation together with his new personally invited clients; if client decides not to join the table, that gold will be credited to the сlient’s personal savings account («Golden Safe»), where it will be stored until withdrawal;

– The rest of 79.8 grams of investment gold (two coins of one ounce each + a coin of 1/2 of ounce + 2.2 grams) will be credited to the client’s personal savings account «Golden Safe», where the gold will be stored, but could be sold back to the company or invested in other programs.

7.3. In order to receive the bonus accumulative bonus, client must be qualified. This entails, attracting at least four accumulative contributions from new clients to fulfill the collective accumulative table. With subsequent participation in the bonus collective accumulative table «Golden Coin 4», client’s personal customers (partners) could be not only his new clients, but also old ones, if they decide to reinvest in the same table.

7.4. In case when an active client, being at the «Coin place» in the table of his sponsor, filled his table before his sponsor does and made reinvestment in the same table, his sponsor’s bonus accumulation increases additionally by the contribution that active client makes. Accordingly, client receives more accumulative bonuses into his personal account «Golden Safe», but also pays more to the «Golden Promotion Fund».

7.5. The client can withdraw from the bonus collectively-accumulative program «Golden Coin 4» and withdraw its cumulative contribution in the form of an investment gold coin in 1 ounce (31.1 gr.) only if its technical sponsor, in the table of which the client is located, has not had time to fill out his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

8. Bonus collective-accumulative table «Golden Bullion 1»

8.1. To participate in the Bonus collective-accumulative table «Golden Bullion 1», the customer must pay a cumulative contribution of 50 gr. investment gold. This is possible by:

– sales of gold bonuses received from the company for the turnover in the online store «GL» and which will be debited from his personal savings account «Golden Safe»;

– purchase of the gold investment ingot in the online store «GL» for the price specified by the online store on the day of purchase; in this case, the ingot will be first placed on his personal savings account «Golden Safe», from which he will be written off and placed in the collective-accumulative table «Golden Bullion 1»;

– tentatively deposit 50 euros as a subscription fee for Internet maintenance of this Bonus Collective Savings Program.

8.2. The bonus collectively-accumulative table in the program «Golden Bullion 1» consists of only one level from five places, sequentially located from left to right:

– place number 1 is a permanent “Bonus place” of the Bonus Client;

– places 2-5 are “Bullion places” for accommodation of accumulative contributions of personal clients attracted to them;

– The customer is on the “Bonus place” in his table and simultaneously counts on one of the places in the four “Bullion places” in the table of his technical sponsor.
As soon as the “Bullion places” from the 2nd to the 5th are filled, the customer receives a bonus accumulation in the amount of 200 g. of investment gold, which will be distributed as follows:

– 20 gr. investment gold (10%) for transfer to the «Golden Promotion Fund» to further encourage the company’s VIP customers;

– 50 gr. + 50 euros (as a subscription fee) for (first of all) reinvesting into the Bonus Collective-Accumulative Program «Golden Bullion 1», so that the customer can continue to be an active participant in this program and receive new bonus accumulation in it;

– or 180 gr. investment gold for the calculation in the personal savings account of the customer («Golden Safe»), where it will be stored until the withdrawal by the customer (until the return sale by the customer) or accumulate for the subsequent participation of the customer in other Bonus Collective Savings Programs, for example, in «Golden Bullion 2».

8.3. In order to receive bonus accumulation, the customer must perform the qualification, that is, to attract at least four accumulative contributions to fill the collective funded table on behalf of his personal customers. With the subsequent participation of the customer in the Bonus Collective-Accumulative Program «Golden Bullion 1», the participants in its table can be either new personal customers or old customers if they also reinvested their funded contribution to this program.

8.4. In the event that the active customer, having been at the “Bullion place” in his sponsor’s table, filled his funded table earlier than his sponsor and reinvested in his own accumulative table, the bonus accumulation of the sponsor increases by the size of the re-accumulation fee of his active personal customer. Accordingly, some of the deductions are changed, namely: in the «Golden Promotion Fund» and in the personal savings account of the client («Golden Safe») after receiving the increased bonus accumulation.

8.5. The client can withdraw from the bonus collectively-accumulative program «Golden Bullion 1» and withdraw its cumulative contribution in the form of an investment gold ingot in 50 gr. Only if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

9. Bonus collective-accumulative table «Golden Bullion 2»

9.1. To participate in the Bonus collective-accumulative table «Golden Bullion 2», the customer must pay a cumulative contribution of 100 gr. investment gold. This is possible by:

– sales of gold bonuses received from the company for the turnover in the online store «GL» and which will be debited from his personal savings account «Golden Safe»;

– purchase of the gold investment ingot in the online store «GL» for the price specified by the online store on the day of purchase; in this case, the ingot will be first placed on his personal savings account «Golden Safe», from which he will be written off and placed in the collective-accumulative table «Golden Bullion 2»;

– tentatively deposit 50 euros as a subscription fee for Internet maintenance of this Bonus Collective Savings Program.

9.2. The bonus collectively-accumulative table in the program «Golden Bullion 2» consists of only one level from five places, sequentially located from left to right:

– place number 1 is a permanent “Bonus place” of the Bonus Client;

– places 2-5 are “Bullion places” for accommodation of accumulative contributions of personal clients attracted to them;

– The customer is on the Bonus place in his table and simultaneously counts on one of the places in the four “Bullion places” in the table of his technical sponsor.
As soon as the “Bullion-places” from the 2nd to the 5th are filled, the customer receives a bonus accumulation in the amount of 400 g. of investment gold, which will be distributed as follows:

– 40 gr. investment gold (10%) for transfer to the «Golden Promotion Fund» to further encourage the company’s VIP customers;

– 100 gr. + 50 euros (as a subscription fee) for (first of all) reinvesting into the Bonus Collective-Accumulative Program «Golden Bullion 2», so that the customer can continue to be an active participant in this program and receive new bonus accumulation in it;

– or 360 gr. investment gold for the calculation in the personal savings account of the customer («Golden Safe»), where it will be stored until the withdrawal by the customer (until the return sale by the customer) or accumulate for the subsequent participation of the customer in other Bonus Collective Savings Programs, for example, in “cliente “.

9.3. In order to receive Bonus Accumulation, the customer must perform the qualification, that is, to attract at least four accumulative contributions to fill the collective funded table on behalf of his personal customers. With the subsequent participation of the customer in the Bonus Collective-Accumulative Program «Golden Bullion 2», the participants in its table can be either new personal customers or old customers if they also reinvested their funded contribution to this program.

9.4. In the event that the active customer, having been at the “Bullion place” in his sponsor’s table, filled his funded table earlier than his sponsor and reinvested in his own accumulative table, the bonus accumulation of the sponsor increases by the size of the re-accumulation fee of his active personal customer. Accordingly, some of the deductions are changed, namely: in the «Golden Promotion Fund» and in the personal savings account of the client («Golden Safe») after receiving the increased bonus accumulation.

9.5. The client can withdraw from the bonus collectively-accumulative program «Golden Bullion 2» and withdraw its cumulative contribution in the form of an investment gold ingot in 100 gr. Only if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

10. Bonus collective-accumulative table «Golden Bullion 3»

10.1. To participate in the Bonus collective-accumulative table «Golden Bullion 3», the customer must pay a cumulative contribution of 250 gr. investment gold. This is possible by:

– sales of gold bonuses received from the company for the turnover in the online store «GL» and which will be debited from his personal savings account «Golden Safe»;

– purchase of the gold investment ingot in the online store «GL» for the price specified by the online store on the day of purchase; in this case, the ingot will be first placed on his personal savings account «Golden Safe», from which he will be written off and placed in the collective-accumulative table «Golden Bullion 3»;

– tentatively deposit 100 euros as a subscription fee for Internet maintenance of this Bonus Collective Savings Program.

10.2. The bonus collectively-accumulative table in the program «Golden Bullion 3» consists of only one level from five places, sequentially located from left to right:

– place number 1 is a permanent “Bonus place” of the Bonus Client;

– places 2-5 are “Bullion places” for accommodation of accumulative contributions of personal clients attracted to them;

– The customer is on the “Bonus place” in his table and simultaneously counts on one of the places in the four “Bullion places” in the table of his technical sponsor.
As soon as the “Bullion-places” from the 2nd to the 5th are filled, the customer receives a bonus accumulation in the amount of 1000 g. of investment gold, which will be distributed as follows:

– 100 gr. investment gold (10%) for transfer to the «Golden Promotion Fund» to further encourage the company’s VIP customers;

– 250 gr. + 100 euros (as a subscription fee) for (first of all) reinvesting into the Bonus Collective-Accumulative Program «Golden Bullion 3», so that the customer can continue to be an active participant in this program and receive new bonus accumulation in it;

– or 900 gr. investment gold for the calculation in the personal savings account of the customer («Golden Safe»), where it will be stored until the withdrawal by the customer (until the return sale by the customer) or accumulate for the subsequent participation of the customer in other Bonus Collective Savings Programs.

10.3. In order to receive Bonus Accumulation, the customer must perform the Qualification, that is, to attract at least four accumulative contributions to fill the collective funded table on behalf of his personal customers. With the subsequent participation of the customer in the Bonus Collective-Accumulative Program «Golden Bullion 3», the participants in its table can be either new personal customers or old customers if they also reinvested their funded contribution to this program.

10.4. In the event that the active customer, having been at the “Bullion place” in his sponsor’s table, filled his funded table earlier than his sponsor and reinvested in his own accumulative table, the bonus accumulation of the sponsor increases by the size of the re-accumulation fee of his active personal customer. Accordingly, some of the deductions are changed, namely: in the «Golden Promotion Fund» and in the personal savings account of the client («Golden Safe») after receiving the increased bonus accumulation.

10.5. The client can withdraw from the bonus collectively-accumulative program «Golden Bullion 3» and withdraw its cumulative contribution in the form of an investment gold ingot in 250 gr. Only if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

11. Bonus collective-accumulative table «Golden Bullion 4»

11.1. To participate in the Bonus collective-accumulative table «Golden Bullion 4», the customer must pay a cumulative contribution of 500 gr. investment gold. This is possible by:

– sales of gold bonuses received from the company for the turnover in the online store «GL» and which will be debited from his personal savings account «Golden Safe»;

– purchase of the gold investment ingot in the online store «GL» for the price specified by the online store on the day of purchase; in this case, the ingot will be first placed on his personal savings account «Golden Safe», from which he will be written off and placed in the collective-accumulative table «Golden Bullion 4»;

– tentatively deposit 100 euros as a subscription fee for Internet maintenance of this Bonus Collective Savings Program.

11.2. The bonus collectively-accumulative table in the program «Golden Bullion 4» consists of only one level from five places, sequentially located from left to right:

– place number 1 is a permanent “Bonus place” of the Bonus Client;

– places 2-5 are “Bullion places” for accommodation of accumulative contributions of personal clients attracted to them;

– The customer is on the “Bonus place” in his table and simultaneously counts on one of the places in the four “Bullion places” in the table of his technical sponsor.
As soon as the “Bullion places” from the 2nd to the 5th are filled, the customer receives a bonus accumulation in the amount of 2000 g. of investment gold, which will be distributed as follows:

– 200 gr. investment gold (10%) for transfer to the «Golden Promotion Fund» to further encourage the company’s VIP customers;

– 500 gr. + 100 euros (as a subscription fee) for (first of all) reinvesting into the Bonus Collective-Accumulative Program «Golden Bullion 4», so that the customer can continue to be an active participant in this program and receive new bonus accumulation in it;

– or 1800 gr. investment gold for the calculation in the personal savings account of the customer («Golden Safe»), where it will be stored until the withdrawal by the customer (until the return sale by the customer) or accumulate for the subsequent participation of the customer in other Bonus Collective Savings Programs.

11.3. In order to receive Bonus Accumulation, the customer must perform the qualification, that is, to attract at least four accumulative contributions to fill the collective funded table on behalf of his personal customers. With the subsequent participation of the customer in the Bonus Collective-Accumulative Program «Golden Bullion 4», the participants in its table can be either new personal customers or old customers if they also reinvested their funded contribution to this program.

11.4. In the event that the active customer, having been at the Bullion place in his sponsor’s table, filled his funded table earlier than his sponsor and reinvested in his own accumulative table, the bonus accumulation of the sponsor increases by the size of the re-accumulation fee of his active personal customer. Accordingly, some of the deductions are changed, namely: in the «Golden Promotion Fund» and in the personal savings account of the сlient («Golden Safe») after receiving the increased bonus accumulation.

11.5. The client can withdraw from the bonus collectively-accumulative program «Golden Bullion 4» and withdraw its cumulative contribution in the form of an investment gold ingot in 500 gr. Only if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

12. Bonus collective-accumulative table «Golden Bullion 5»

12.1. To participate in the Bonus collective-accumulative table «Golden Bullion 5», the customer must pay a cumulative contribution of 1000 gr. investment gold. This is possible by:

– sales of gold bonuses received from the company for the turnover in the online store «GL» and which will be debited from his personal savings account «Golden Safe»;

– purchase of the gold investment ingot in the online store «GL» for the price specified by the online store on the day of purchase; in this case, the ingot will be first placed on his personal savings account «Golden Safe», from which he will be written off and placed in the collective-accumulative table «Golden Bullion 5»;

– tentatively deposit 100 euros as a subscription fee for Internet maintenance of this Bonus Collective Savings Program.

12.2. The bonus collectively-accumulative table in the program «Golden Bullion 5» consists of only one level from five places, sequentially located from left to right:

– place number 1 is a permanent “Bonus place” of the Bonus Client;

– places 2-5 are “Bullion places” for accommodation of accumulative contributions of personal clients attracted to them;

– The customer is on the “Bonus place” in his table and simultaneously counts on one of the places in the four “Bullion places” in the table of his technical sponsor.
As soon as the “Bullion places” from the 2nd to the 5th are filled, the customer receives a bonus accumulation in the amount of 4000 g. of investment gold, which will be distributed as follows:

– 400 gr. investment gold (10%) for transfer to the «Golden Promotion Fund» to further encourage the company’s VIP customers;

– 1000 gr. + 100 euros (as a subscription fee) for (first of all) reinvesting into the Bonus Collective-Accumulative Program «Golden Bullion 5», so that the customer can continue to be an active participant in this program and receive new bonus accumulation in it;

– or 3600 gr. investment gold for the calculation in the personal savings account of the customer («Golden Safe»), where it will be stored until the withdrawal by the customer (until the return sale by the customer) or accumulate for the subsequent participation of the customer in other Bonus Collective Savings Programs.

12.3. In order to receive Bonus Accumulation, the customer must perform the Qualification, that is, to attract at least four accumulative contributions to fill the collective funded table on behalf of his personal customers. With the subsequent participation of the customer in the Bonus Collective-Accumulative Program «Golden Bullion 5», the participants in its table can be either new personal customers or old customers if they also reinvested their funded contribution to this program.

12.4. In the event that the active customer, having been at the “Bullion place” in his sponsor’s table, filled his funded table earlier than his sponsor and reinvested in his own accumulative table, the bonus accumulation of the sponsor increases by the size of the re-accumulation fee of his active personal customer. Accordingly, some of the deductions are changed, namely: in the «Golden Promotion Fund» and in the personal savings account of the Client («Golden Safe») after receiving the increased bonus accumulation.

12.5. The client can withdraw from the bonus collectively-accumulative program «Golden Bullion 5» and withdraw its cumulative contribution in the form of an investment gold ingot in 1000 gr. Only if his technical sponsor, in the table of which the client is located, has not yet completed his cumulative table. In this case, the Customer’s contribution from the sponsor’s table is transferred to the personal personal account of the Customer («Golden Safe»), his personal clients are transferred to the sponsor, and the subscription fee is not refunded.

If the technical sponsor, in the table of which the client is located, had time to fill out his cumulative table, then in this case the Client at his own will at any time has the right to sell his account for someone else’s benefit and re-register it for a new owner.

In addition, the Client, who for some reason failed to attract partners to his bonus collectively funded program within 60 calendar days after his registration, and then failed to re-register his account within 60 days to another person, he may To return the accumulative payment within 60 bank days after the statement on an exit from bonus collective-memory program. In this case, according to the international norms of commercial trade, the following are retained from the accumulation fee of the Client:

– subscription fee for using the platform of the online store;

– commission on redemption of a coin (or ingot) of the Client;

– bonus reward for information services rendered to the Client by his sponsor-mentor.

 

13. The «GL» Golden VIP Program

13.1. In order to receive the «VIP client» status and to count on additional rewards in investment gold from the «Golden Promotion Fund», participant of the bonus collective accumulative program «GL» should complete some conditions:

– Client himself should receive his bonus accumulation in any table of the «Golden Bullion» program as well as two his directly invited clients (first line) and the four of the second line should get their own bonus accumulations.

– In the «Golden Coin» program client himself should get his own bonus accumulation as well as his four directly invited clients should do the same.

13.2. Bonus points for VIP Clients are accrued according to the formula: a certain number of points are added to the VIP Client for each completed bonus collective accumulative table in his structure. Points are summed up then.

– «Golden Coin 1» – 1 point

– «Golden Coin 2» – 3 points

– «Golden Coin 3» – 5 points

– «Golden Coin 4», «Golden Bullion 1» – 10 points

– «Golden Bullion 2» – 12 points

– «Golden Bullion 3» – 14 points

– «Golden Bullion 4» – 16 points

– «Golden Bullion 5» – 20 points

13.3. From each Bonus Collective accumulative remuneration, 10% of investment gold is transferred to the premium «Golden Promotion Fund» for further encouragement Company’s VIP-Clients. These rewards are distributed as follows:

1st Level – 30%
2nd Level – 15%
3rd Level – 12%
4th Level – 11%
5th Level – 9%
6th Level – 7%
7th Level – 6%
8th Level – 5%
9th Level – 3%
10th Level – 2%

The company awards VIP Client with a Bonus accumulative reward directly in form of investment gold bars.

13.4. The «GL» VIP Program has 10 levels, which are arranged from bottom to the top according to the specified number of points for enumeration and moving to the next level:

Level 10 – 100000 points
Level 9 – 50000 points
Level 8 – 25000 points
Level 7 – 10000 points
Level 6 – 5000 points
Level 5 – 2500 points
Level 4 – 1000 points
Level 3 – 300 points
Level 2 – 100 points
Level 1 – less than 100 points

For each level of leadership career there is a distinctive golden breastplate:

1st («Initial«) level: gold-plated badge.
2-4th («Ruby«) levels: a gold sign with one, two and three rubies.
5-7th («Emerald«) levels: a gold sign with one, two and three emeralds.
8-10th («Diamond«) levels: a gold sign with one, two and three diamonds.

Also the Company encourages the best leaders and winners of various competitions with leadership cruises, valuable awards and gifts.