Terms & conditions

These terms govern the sale of physical precious-metal products by Bitgolder (operated by METALUTIONS LTD., England & Wales) to you, the customer. By placing an order you agree to them. We follow a privacy-first principle of data minimisation — collecting only the information needed to fulfil your order and meet our legal obligations.

Prices are quoted live against the precious-metal spot market plus a transparent premium shown on each product page. Because metals trade continuously, the price you see while browsing is an estimate that refreshes frequently.

When you place an order, your USD price is locked for the duration of the payment window. We hedge our exposure so your locked price holds regardless of market movement during that window.

We accept Bitcoin (on-chain and Lightning), major stablecoins and a range of cryptocurrencies. The exact amount and payment address are shown at checkout and must be sent within the invoice window.

Cryptocurrency transactions are irreversible once confirmed on-chain. Please send the exact amount on the correct network — funds sent on the wrong network, or below the amount due, may be unrecoverable. If an underpayment or overpayment occurs, contact us and we’ll work with you to resolve it.

An order forms a contract once payment is confirmed. Around 90% of catalogue items are in stock and dispatched within one business day; if an item becomes unavailable we’ll notify you promptly with an estimated date or offer a full refund. We reserve the right to decline or cancel an order with a full refund where pricing errors, fraud indicators or stock issues arise.

Orders ship fully insured in discreet, unmarked packaging with tracking and signature on delivery. Delivery estimates are indicative. Title and risk pass to you only upon confirmed delivery — every shipment is insured at declared value until then. Full details are on our delivery & shipping page.

We operate a privacy-first model with simplified due diligence for standard orders. Larger orders, or transactions that trigger regulatory thresholds, may require identity verification (KYC) before dispatch in line with applicable anti-money-laundering law. See our compliance & KYC policy.

All metal is sourced from sovereign mints and LBMA Good Delivery refiners at a minimum purity of 99.9%, and meets recognised hallmarking standards. Eligible purchases include a certificate of authenticity. Beyond authenticity and statutory rights, products are sold as physical commodities and their market value will rise and fall with the spot price.

We accept returns within 14 days for defective, incorrect or transit-damaged items, and offer a live-spot buyback at any time. Bullion is otherwise final sale. Full details are on our returns & refunds page.

Nothing in these terms limits liability that cannot lawfully be limited. Otherwise, to the extent permitted by law, our liability for any order is limited to the value of that order. Precious metals carry market risk; nothing on this site is financial, investment or tax advice, and you are responsible for your own decisions.

These terms are governed by the laws of England & Wales. We may update them from time to time; the version in effect at the time of your order applies. Questions? Reach us via the contact & support page.