Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing, or using the Global Trust Gold (GTG) platform, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use our services.

Your continued use of the GTG platform after any modifications to these Terms constitutes your acceptance of such changes.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• AURUBIT: A fractional unit representing 1/1244th of one troy ounce of physical gold held in reserve by GTG.
• DAC (Digital Account Currency): A digital currency account backed by your AURUBIT holdings, usable via the DAC Card for purchases and withdrawals.
• Free Member: A user with a no-cost account that accumulates locked Free Bits and pays transaction fees.
• Active Member: A paid member ($79/year) with zero transaction fees and free shipping on gold orders.
• MyPOG Associate: A premium member ($249 setup + $25/month) who earns commissions and rewards for participation in marketing activity.
• Free Bits: Promotional BITS accumulated by Free Members that remain locked until upgrade to Active Member status.
• IQR (Individual QR Code): A unique identifier assigned to each MyPOG Associate for tracking referrals and commissions.
• Security Bond System: An offline gold access mechanism for cyber disruption scenarios.

3. Eligibility and Account Registration

3.1 Age Requirements

You must be at least 18 years of age (or the age of majority in your jurisdiction) to create a GTG account and use our services.

3.2 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying GTG immediately of any unauthorized access or security breach

3.3 Identity Verification

GTG reserves the right to verify your identity at any time. You may be required to provide additional documentation including, but not limited to:

• Government-issued photo identification
• Proof of address
• Social Security Number or Tax Identification Number
• Banking information for ACH transactions

3.4 Prohibited Jurisdictions

GTG services may not be available in certain jurisdictions due to legal or regulatory restrictions. By using our services, you represent that you are not located in any jurisdiction where the services would be prohibited.

4. Membership Tiers

4.1 Free Membership

• Cost: No membership fee
• Benefits: Basic platform access, ability to buy/sell/hold gold
• Free Bits: Accumulate promotional Free Bits that remain locked until upgrade
• Transaction Fees: 3% on sales, 2% on gold transfers
• Shipping: Standard shipping fees apply ($45-$125 depending on speed)
• Restrictions: No access to DAC Card or transfer features

4.2 Active Membership

• Cost: $79 per year
• Benefits: Zero transaction fees, free shipping on all gold orders, DAC Card access, instant transfers between Gold and DAC
• Free Bits: Upon upgrade, all accumulated Free Bits are immediately unlocked and added to Gold Reserve
• Renewal: Annual membership auto-renews unless cancelled 30 days prior to renewal date

4.3 MyPOG Associate Membership

• Cost: $249 setup fee + $25 per month
• All Active Member Benefits plus:
• Bi-Weekly Bits: Bits of Gold (BOG) added to your account bi-weekly based on associate activity
• Commission Structure: Earn from 5 income streams across 17 commission levels
• IQR Code: Unique referral tracking for lifetime commission rights
• Back Office Access: Team management and commission tracking tools

5. AURUBITS and Gold Ownership

5.1 What is an AURUBIT?

One AURUBIT represents fractional ownership of 1/1244th of one troy ounce of .9999 fine physical gold held in secure vaults by GTG or its authorized custodians.

5.2 Gold Reserves

GTG maintains physical gold reserves equal to or greater than the total AURUBITS in circulation. Gold is stored in:

• Insured, audited precious metal vaults
• Facilities meeting industry security standards
• Multiple geographic locations to reduce concentration risk

5.3 Ownership Rights

AURUBIT holders have:

• Pro-rata ownership interest in GTG's physical gold reserves
• Right to redeem AURUBITS for physical gold delivery (subject to minimum quantities)
• Right to sell AURUBITS back to GTG at current market prices
• Right to transfer AURUBITS to other GTG users

5.4 Pricing

AURUBIT prices are calculated based on:

• Current spot price of gold on international markets
• Divided by 1244 (ounces per AURUBIT)
• Prices update in real-time based on market conditions

6. Transactions and Fees

6.1 Buying Gold (AURUBITS)

You may purchase AURUBITS using:

• Credit/debit cards (subject to payment processor fees)
• Bank transfers (ACH)
• Wire transfers
• Cryptocurrency (where available)

Purchases are subject to identity verification and anti-money laundering (AML) compliance checks.

6.2 Selling Gold (AURUBITS)

You may sell AURUBITS back to GTG for:

• Instant credit to DAC balance (Active Members and Associates)
• ACH bank transfer (1-3 business days)

Free Member Fees: 3% transaction fee on all sales

Active Members & Associates: Zero transaction fees

6.3 Transferring AURUBITS

You may transfer AURUBITS to other GTG users via:

• Email address
• GTG Member ID
• IQR Code scan

Free Member Fees: 2% transaction fee on transfers

Active Members & Associates: Zero transfer fees

6.4 Transaction Limits

GTG reserves the right to implement transaction limits for:

• Fraud prevention
• Regulatory compliance
• Risk management

6.5 Transaction Reversals

All transactions are final. GTG does not reverse completed transactions except in cases of:

• Proven fraud or unauthorized access
• Technical error on GTG's part
• Legal or regulatory requirements

7. DAC (Digital Account Currency)

7.1 DAC Overview

The DAC system allows Active Members and Associates to convert AURUBITS to spendable digital currency accessible via the DAC Card.

7.2 DAC Card

• Issuance Fee: $25 (one-time)
• Replacement Fee: $15 per card
• Card Type: Premium metal card with contactless payment
• Network: Visa/Mastercard accepted globally
• Daily Limits: $5,000 purchases / $1,000 ATM withdrawals (adjustable)

7.3 DAC Balance

Your DAC balance is:

• Backed by your AURUBIT holdings
• FDIC-insured up to $250,000
• Instantly transferable to/from Gold Reserve (Active Members and Associates only)
• Usable for purchases anywhere Visa/Mastercard is accepted

7.4 DAC Card Usage

The DAC Card may be used for:

• In-store purchases (contactless or chip)
• Online purchases
• ATM cash withdrawals
• Mobile wallet payments (Apple Pay, Google Pay, Samsung Pay)

8. Physical Gold Shipments

8.1 Minimum Requirements

Physical gold delivery requires:

• Minimum AURUBIT balance (set by GTG, adjustable based on inventory)
• Verified shipping address
• Identity verification completion

8.2 Available Products

You may order physical gold in the following forms:

• Gold Rounds: 1 oz, 1/2 oz, 1/4 oz, 1/10 oz (.9999 fine)
• Gold Bars: 1 kg, 10 oz, 5 oz, 1 oz (.9999 fine with serial numbers)

8.3 Shipping

Free Members:

• Standard Shipping: $45 (7-10 business days)
• Expedited Shipping: $75 (3-5 business days)
• Express Shipping: $125 (1-2 business days)

Active Members & Associates:

• ALL shipping methods are FREE

8.4 Shipping Terms

• Insurance: All shipments fully insured for current market value
• Signature Required: Adult signature required upon delivery
• Discreet Packaging: No external indication of precious metal contents
• Tracking: Real-time tracking provided via email and dashboard
• Armored Transport: Shipments over 10 oz use armored courier service

8.5 Deduction from Account

Upon order confirmation, the equivalent AURUBITS (plus shipping fees for Free Members) are immediately deducted from your Gold Reserve balance. This transaction is final and cannot be reversed.

9. MyPOG Associates Program

9.1 Program Overview

MyPOG (My Pot of Gold) is a virtual marketing program allowing Associates to earn commissions through:

1. Active Member App Sales
2. Fast Start Bonuses
3. Team Building Commissions (17 levels)
4. Associate Enrollment Commissions
5. Global Pool Participation

9.2 IQR (Individual QR Code)

Each Associate receives a unique IQR code that:

• Permanently links new users to the recruiting Associate
• Cannot be changed or reassigned
• Tracks all downstream activity for commission calculation
• Remains active for the lifetime of the Associate's account
• May be transfered by sell or inheritance upon completion of all legal transfer documentation

9.3 Commission Structure

MyPOG Associates earn commissions on 17 levels of their downline organization. Commission rates vary by level and activity type. Detailed commission schedules are provided in the MyPOG Associate Agreement.

9.4 Weekly Bits of Gold (BOG)

Associates may receive bi-weekly BOG additions to their Gold Reserve as a benefit of their Associate membership. BOG amounts are determined by the activity of their downline Associates and may vary based on the performance and marketing activity of the Associates downline.

9.5 Compliance Requirements

MyPOG Associates must:

• Comply with all applicable laws and regulations
• Avoid making false or misleading income claims
• Not engage in spam or unsolicited marketing
• Maintain active Associate membership (monthly fees current)
• Adhere to GTG's marketing and promotional guidelines

10. Prohibited Activities

You agree NOT to use GTG services for any of the following purposes:

10.1 Illegal Activities

• Money laundering
• Terrorist financing
• Fraud or financial crimes
• Tax evasion
• Purchase of illegal goods or services

10.2 Prohibited Business Practices

• Market manipulation or price fixing
• Pyramid or Ponzi schemes (MyPOG is product-based virtual marketing company, not a pyramid scheme)
• Unauthorized resale of AURUBITS / AURUBITS can only be held by authorized and registered GTG members
• False advertising or deceptive marketing

10.3 Account Abuse

• Creating multiple accounts to circumvent restrictions
• Sharing account credentials
• Automated trading or bot usage without authorization
• Attempting to gain unauthorized access to GTG systems

10.4 Sanctions Violations

You may not use GTG services if you are:

• Located in a sanctioned country
• Listed on any sanctions list (OFAC, UN, EU, etc.)
• Acting on behalf of a sanctioned entity

11. Risk Disclosure

11.1 Market Risk

The value of gold fluctuates based on:

• Global economic conditions
• Currency exchange rates
• Geopolitical events
• Supply and demand
• Investor sentiment

AURUBITS are directly tied to gold prices. You may lose value if gold prices decline.

11.2 Liquidity Risk

While GTG facilitates buying and selling AURUBITS, there may be circumstances where:

• Liquidity is temporarily limited
• Bid-ask spreads widen
• Physical gold delivery is delayed

11.3 Custody Risk

Physical gold is held by third-party custodians. Risks include:

• Custodian default or bankruptcy
• Theft or loss (mitigated by insurance)
• Force majeure events

11.4 Technology Risk

GTG's platform is technology-dependent. Risks include:

• System outages or downtime
• Cyber attacks or data breaches
• Software bugs or errors

11.5 Regulatory Risk

Changes in laws or regulations could impact:

• GTG's ability to operate
• Your ability to access your account
• Tax treatment of AURUBITS
• Cross-border transactions

11.6 No Investment Advice

GTG does not provide investment, financial, legal, or tax advice. You should consult with qualified professionals before making investment decisions.

12. Limitation of Liability

12.1 Disclaimer of Warranties

GTG services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free service

12.2 Limitation of Damages

To the maximum extent permitted by law, GTG shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Business interruption
• Loss of goodwill or reputation

12.3 Maximum Liability

In no event shall GTG's total liability to you exceed the greater of:

• $100 USD, or
• The amount of fees you paid to GTG in the 12 months preceding the claim

12.4 Force Majeure

GTG is not liable for failures or delays caused by events beyond our reasonable control, including:

• Natural disasters
• War or terrorism
• Government actions
• Labor disputes
• Internet or telecommunications failures
• Cyber attacks

13. Privacy and Data Protection

13.1 Privacy Policy

Your use of GTG services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection and use practices.

13.2 Information We Collect

GTG collects and processes:

• Personal identification information
• Financial information
• Transaction history
• Device and usage data
• Communications with customer support

13.3 How We Use Your Information

• Providing and improving our services
• Identity verification and fraud prevention
• Regulatory compliance (KYC/AML)
• Customer support
• Marketing communications (with your consent)

13.4 Information Sharing

We may share your information with:

• Service providers and partners
• Payment processors
• Gold custodians
• Legal authorities when required by law

13.5 Data Security

GTG implements industry-standard security measures including:

• Encryption of sensitive data
• Secure data centers
• Multi-factor authentication
• Regular security audits

14. Account Termination

14.1 Termination by You

You may close your GTG account at any time by:

• Contacting customer support
• Following the account closure process in your dashboard

Upon closure, you must liquidate all AURUBITS or request physical delivery. Membership fees are non-refundable.

14.2 Termination by GTG

GTG may suspend or terminate your account immediately if:

• You violate these Terms
• You engage in fraudulent activity
• Your account poses a security risk
• Required by law or regulation
• You fail to pay membership fees (for paid tiers)

14.3 Effect of Termination

Upon termination:

• Your access to GTG services will be revoked
• You will have 90 days to liquidate AURUBITS or request delivery
• After 90 days, GTG may liquidate remaining AURUBITS at market price
• Commission rights for MyPOG Associates are forfeited
• Downline organizations may be reassigned

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of State of Alabama / USA, without regard to conflict of law principles.

15.2 Arbitration Agreement

Any dispute arising from these Terms or your use of GTG services shall be resolved through binding arbitration rather than in court, except:

• Small claims court actions (under $10,000)
• Injunctive or equitable relief

15.3 Class Action Waiver

You agree to resolve disputes individually. You waive any right to participate in class actions, class arbitrations, or representative actions.

15.4 Informal Resolution

Before initiating arbitration, you agree to contact GTG customer support to attempt informal resolution of the dispute.

16. Changes to Terms

16.1 Modification Rights

GTG reserves the right to modify these Terms at any time. Changes will be effective:

• Immediately upon posting for non-material changes
• 30 days after notice for material changes

16.2 Notice of Changes

We will notify you of material changes via:

• Email to your registered address
• Dashboard notification
• Prominent notice on the GTG website

16.3 Acceptance of Changes

Your continued use of GTG services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to changes, you must close your account.