1.1 Provider

Unless expressly stated otherwise in an individual case, the contractual partner for the use of the platform and the services described in these Terms is: Standard in Gold LTD 20-22 Wenlock Road London, England, N1 7GU United Kingdom Company number: 14175220 Email: office@standardingold.com Standard in Gold LTD may cooperate with affiliated companies and external service providers, in particular for gold trading, custody, technical platform services, payment processing, KYC/AML checks, and logistics.

1.2 Other Companies Involved

Within the Standard in Gold structure, the following companies in particular may perform operational tasks: Standard in Gold e.U. Stephansplatz 8/20, 1010 Vienna, Austria Company number: 562037a Phone: +4314420284 Email: office@standardingold.com Tasks: Gold trading, physical custody, custody register, and delivery processes, where operationally provided. Standard in Gold s.r.o. Cimburkova 916/8, 130 00 Prague 3, Czech Republic Company number: 21135371 Phone: +4314420059 Email: office@standardingold.com Tasks: Technical infrastructure, platform operation, software, and technical services. Standard in Gold LTD 20-22 Wenlock Road, London, England, N1 7GU, United Kingdom Company number: 14175220 Tasks: Platform, customer communication, contractual processing, and public representation.

1.3 Scope

These Terms apply to all business relationships between the customer and Standard in Gold in connection with: - the acquisition of physical investment gold; - the custody of physical gold; - the maintenance and representation of gold allocations; - repurchase and payout; - physical delivery; - the use of the dashboard, apps, wallet displays, and technical units such as SOLID, sub-units, and STAND. Deviating terms of the customer apply only if Standard in Gold expressly agrees to them in writing.

1.4 Order of Precedence of Documents

Where additional contractual documents, order confirmations, delivery confirmations, register extracts, or specific service descriptions are agreed in an individual case, the following order of precedence applies in the event of conflicts: 1. individual contractual document or order confirmation; 2. specific service description; 3. these Terms; 4. general information on the website, dashboard, or app.

2.1 Customer Account

As a rule, a customer account is required to use the platform. The customer account is used to manage customer data, orders, register displays, repurchase and delivery requests, and technical system information. As a rule, a customer account may only be used by the person for whom it was opened. Shared use by several persons is not provided for unless Standard in Gold expressly permits otherwise.

2.2 Customer Data

The customer is obliged to provide correct, complete, and up-to-date information upon registration and throughout the ongoing business relationship. This includes in particular name, address, email address, telephone number where applicable, and data required for KYC/AML checks. Changes to the data must be communicated without delay via the customer account or by email to office@standardingold.com. Communications are deemed received when sent to the most recently provided email address or postal address, provided the customer has not notified a change in good time.

2.3 Access Data and Security

The customer is obliged to keep access data secure and to protect it from unauthorized access. Standard in Gold may introduce or require additional security measures such as two-factor authentication. Any action carried out via a customer account after successful authentication may be attributed to the customer, unless there is demonstrably unauthorized access without the customer's involvement.

2.4 Communication

Standard in Gold may communicate with customers by email, dashboard, app, letter, or other suitable means of communication. Legally relevant declarations may be made by email where legally permitted. Customer inquiries may be directed to office@standardingold.com. For special shipping or delivery coordination, Standard in Gold may designate separate communication channels.

3.1 Identity Verification

Due to legal requirements, internal compliance rules, and risk checks, Standard in Gold may require identification of the customer. This applies in particular before certain purchases, repurchases, deliveries, claims, or other processes where entitlement must be established. Identification may be carried out by external service providers. In particular, Paybis Poland Sp. z o.o., Hoza 86/210, 00-682 Warsaw, Poland may be used as the external KYC service provider. Paybis is not a company within the Standard in Gold group.

3.2 Duties to Cooperate

The customer is obliged to provide all required information and documents in good time, completely, and truthfully. Standard in Gold may delay, refuse, restrict, or reverse processes if required checks cannot be completed.

3.3 Ongoing Monitoring

Standard in Gold may continuously monitor the business relationship and transactions within the scope of legal and internal requirements. This may include transaction checks, sanctions checks, proof of origin, and plausibility checks.

3.4 Suspicious Cases

In the event of suspected money laundering, terrorist financing, sanctions violations, fraud, or other unlawful acts, Standard in Gold may block, delay, refuse, document, or report transactions to the competent authorities, to the extent legally required or permitted.

4.1 Offers

Offers from Standard in Gold are non-binding unless expressly designated as binding. Prices for investment gold may change continuously due to market fluctuations.

4.2 Online Order

In an online order, the customer selects the desired quantity of gold or the desired purchase amount in the dashboard or app. Before completion, the customer receives an overview of the price, quantity, and key terms. By clicking a button such as "order with obligation to pay", "buy", "confirm", or a comparable confirmation, the customer submits a binding offer to conclude the respective contract. The contract is concluded when Standard in Gold accepts or executes the order.

4.3 Availability and Refusal

Standard in Gold may refuse orders or accept them only in part, in particular in cases of lack of availability, failed checks, payment problems, market disruptions, technical errors, or compliance concerns.

4.4 Price Commitment

Where a price is displayed during the order process, it may be limited in time. If the price commitment expires or market conditions change significantly, a new price confirmation may be required.

5.1 General

Payments are made via external payment service providers. Standard in Gold may change, expand, or restrict the available payment methods at any time for objective, technical, security-related, or regulatory reasons.

5.2 Fiat Currencies

Payments and payouts are generally made in fiat currencies. Fiat currencies are legal currencies such as the Euro (EUR), US Dollar (USD), Swiss Franc (CHF), or British Pound (GBP). If a payment service provider offers the customer additional payment or payout methods, such as digital means of payment, these are processed exclusively by the payment service provider. Standard in Gold does not process or hold cryptocurrencies as part of payment processing, unless expressly regulated otherwise.

5.3 Receipt of Payment

A gold allocation only takes place after confirmed receipt of payment and operational allocation in the custody register. The amount actually credited to Standard in Gold or the responsible payment service provider is decisive.

5.4 Default of Payment

In the event of late or incomplete payment, Standard in Gold may cancel orders, delay processes, or claim reasonable costs to the extent legally permitted. Partial payments may be credited against outstanding claims.

6.1 Gold Quality

The subject of the system is physical investment gold of high fineness, in particular fine gold 999 or 999.9, unless stated otherwise in an individual case.

6.2 Price Formation

Prices are based on international gold market prices and may include a markup or discount. Where specifically stated, the purchase price may consist of the reference price plus a markup, and the repurchase price of the reference price minus a discount. By way of example, the London Gold Fixing or another customary market reference price may be used as a reference. Details are shown in the dashboard or in the respective order overview.

6.3 Market Risk

Gold prices are subject to fluctuations. Standard in Gold provides no guarantee for future prices, price developments, increases in value, or returns. The customer bears the risk of price changes in the gold market.

7.1 Physical Custody

Unless immediate delivery is agreed, the acquired gold is stored securely. Custody serves to protect the physical gold and to document the allocation in a traceable manner via the custody register.

7.2 Custody Register

The custody register is the authoritative operational documentation of the system. It documents in particular: - the total holding of physical gold; - the allocation of gold quantities to holders; - operational statuses such as allocated, pending, and unallocated; - the time and reason for changes; - the history of purchases, transfers, claims, repurchases, deliveries, and corrections. Dashboard, app, wallet displays, CSV exports, and blockchain entries are representations or technical logs. The authoritative operational allocation results from the custody register.

7.3 Operational Statuses

- allocated: Confirmed allocation to an identified holder. - pending: Temporary operational state, e.g., after a transfer is initiated or during a claim/KYC/AML check. - unallocated: Provisional system position without an identified holder or without final allocation. A customer may temporarily hold several operational statuses at the same time, for example 6 SOLID allocated and 4 SOLID pending. This internal representation serves traceability and is not necessarily displayed in full in the frontend.

7.4 No Deletion of History

Corrections are generally made through documented reversing entries or new register entries. The history is intended to remain traceable.

8.1 Purpose

SOLID and sub-units serve to technically represent gold allocations in small units.

8.2 Units

- 1 SOLID corresponds to 0.1 grams of physical gold, provided a corresponding register allocation exists. - G-DEM corresponds to 0.007 grams of physical gold. - G-ATS corresponds to 0.001 grams of physical gold.

8.3 No Independent Rights

SOLID and sub-units are not standalone products, not cryptocurrencies, not digital money, not an investment product, and not an independent asset. They indicate a register allocation or a technical state.

9.1 Purpose of STAND

STAND is an internal system value that helps organize the relationships within the system. STAND serves to control certain processes within the platform mathematically and technically.

9.2 Distinction

STAND is not gold, not money, not a crypto-asset, not an investment product, and establishes no claim to gold or payout.

9.3 Relationship to SOLID

If more gold is allocated in the system and thereby more SOLID is created, the internal relationship between SOLID and STAND may change. As a result, one STAND unit may represent relatively more SOLID, without STAND itself being gold or representing a claim to gold. A simple comparison is a measuring scale: the scale helps represent a quantity but is not itself the thing being measured.

10.1 Technical Mirror

Blockchain entries, transaction hashes, and block explorer data serve technical documentation and transparency. They can log events, make timestamps traceable, or provide technical references.

10.2 No Substitute for the Custody Register

The blockchain does not replace the custody register. A blockchain can represent technical transfers between addresses but does not necessarily know the identified holder, the physical inventory, KYC/AML status, or provisional operational register positions. The authoritative allocation of physical gold arises exclusively in the custody register.

11.1 Technical Transfers

SOLID, sub-units, or STAND can be transferred technically within the system or to external wallets, where this function is available. Standard in Gold does not operate an exchange, an order book, a matching engine, or a trading platform for SOLID or STAND.

11.2 Effect for the Sender

When a customer transfers SOLID, their visible frontend balance may be reduced immediately. The transferred quantity is therefore no longer visible to the customer as their own available display.

11.3 Internal Register Processing

Internally, the custody register may record the process as a pending position. A final new allocation to a recipient only takes place once the recipient has been identified and the required KYC/AML checks have been successfully completed.

11.4 Unclaimed Positions

If a position is not successfully claimed, is rejected, is not completed in time, or is not released for compliance reasons, it may be recorded as an unallocated system position.

11.5 No Automatic Transfer of Ownership

A technical transfer does not automatically bring about a final legal allocation of the physical gold to a new person. A final allocation requires the corresponding register entry.

12.1 Repurchase

Within the scope of the available functions, customers can sell gold back to Standard in Gold. In a repurchase, physical gold is sold; SOLID is merely the technical representation of the previously existing allocation.

12.2 Checks

Before a repurchase is carried out, the register allocation, identity, KYC/AML status, sanctions lists, technical plausibility, and other requirements may be checked.

12.3 Payout

Payouts are generally made in fiat currencies via external payment service providers. The payment service provider may, where applicable, offer the customer additional payout options. Any conversion into another currency is carried out exclusively by the payment service provider.

13.1 Delivery

Customers can request physical delivery of gold, provided the required quantity, suitable denomination, identification, and operational requirements are met.

13.2 Whole Units

Deliveries may be limited to whole customary market units such as troy ounces or bars. Smaller register allocations may, where applicable, only be delivered after consolidation into a deliverable unit.

13.3 Shipping, Costs and Risk

Shipping, insurance, packaging, customs, taxes, and other costs may be charged to the customer unless expressly included in the price. Risk passes in accordance with the applicable statutory provisions and the chosen shipping method.

13.4 Acceptance

The customer is obliged to accept a properly announced delivery or to cooperate in resolving delivery obstacles. Costs arising from incorrect address details, non-acceptance, or re-shipment may be charged to the customer.

14.1 Account Suspension

Standard in Gold may block access to the customer account for good cause, in particular in cases of suspected misuse, unauthorized access, security risks, legal obstacles, compliance concerns, or breach of these Terms.

14.2 Termination

Customers may terminate the customer account provided there are no open processes, holdings, register positions, checks, repurchases, deliveries, or other obligations. Standard in Gold may terminate the customer account for good cause or in accordance with statutory and contractual provisions.

14.3 Death, Legal Succession and Loss of Legal Capacity

In the event of the death, legal succession, or loss of legal capacity of a customer, Standard in Gold provides information and takes action only towards persons who are demonstrably authorized. Required evidence, powers of attorney, proof of inheritance, court appointments, or comparable documents may be demanded.

15.1 Limitation of Liability

Standard in Gold is liable in accordance with statutory provisions. To the extent legally permitted, liability for slight negligence is excluded or limited, except in cases of personal injury, mandatory statutory liability, or breach of material contractual obligations.

15.2 No Investment Advice

Standard in Gold does not provide investment advice, tax advice, or legal advice. Information about gold, prices, or system characteristics does not constitute a recommendation to buy, sell, or hold gold.

15.3 Technical Availability

Standard in Gold endeavors to maintain reasonable availability of the dashboard, apps, and technical systems. Maintenance, updates, disruptions, security measures, or events outside its control may lead to interruptions.

16.1 Market-Dependent Goods

Physical gold is a commodity whose price depends on fluctuations in financial and precious metals markets. To the extent legally permitted, there is no right of withdrawal or cancellation after the conclusion of a binding purchase or sale where the price depends on such market fluctuations.

16.2 Statutory Rights

Mandatory statutory consumer rights remain unaffected. Where a right of withdrawal mandatorily exists, Standard in Gold informs the customer in accordance with the applicable statutory provisions.

17.1 Data Protection

Standard in Gold processes personal data within the framework of the applicable data protection provisions. Details are set out in the respective applicable privacy policy.

17.2 Retention

Certain data, in particular contract, register, payment, KYC/AML, and compliance data, may be retained for certain periods due to legal obligations or legitimate interests.