General Terms for Crypto-Based Purchases

Bitcoin, Ether, Solana, USDT

Article 1: Purpose and Scope

These General Terms (“GT”) govern all purchases of precious metals made through Aurauvault (“Aurauvault”) using the following cryptocurrencies:

Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and Tether (USDT).

These GT apply to all clients (“you”), whether purchasing bullion for delivery or for storage in an Aurauvault-approved vault or safe box.

Article 2: Accepted Cryptocurrencies

Aurauvault accepts the following digital assets as official payment methods:

- Bitcoin (BTC): bc1q0aesyt8w072v5eqkh4ce8pnqzcllnvwjxvhr96      Network : Bitcoin

- Ethereum (ETH) : 0x644372df1329fad239D6Bf7ef0f9b38c5AC8a3e0  Network : Polygon

- Solana (SOL): 6w6kxdHEA1LtMjdAeSvW5YH2cx53A85wUoRGrJbnFQnY  Network : Solana

- Tether (USDT): 0x644372df1329fad239D6Bf7ef0f9b38c5AC8a3e0.   Network : Polygon

No other cryptocurrencies are accepted unless explicitly stated in writing by Aurauvault. Each transaction is final once confirmed on the respective blockchain.

Article 3: Pricing and Rate Conversion

1. All metals are priced in British Pounds, with cryptocurrency conversion calculated at the moment the payment link is generated.

2. Due to volatility of crypto assets:

   - Prices are locked for 15 minutes after the invoice is issued.

   - Payments received after expiration must be re-evaluated.

3. Any underpayment caused by network fees, delayed confirmations, or insufficient amount must be settled before order validation.

Article 4: Payment Confirmation

A payment is considered valid only after:

1. The transaction appears on the blockchain.

2. The required confirmation threshold is reached:

   - BTC: 2 confirmations

   - ETH, SOL: Finality per protocol

   - USDT: ERC20 or SOL finality

3. Aurauvault confirms reception and matches the exact expected amount.

If an excess amount is received, the difference may be credited to the client’s Aurauvault balance or refunded in the same currency, minus network fees.

Article 5: KYC & Compliance Requirements

Before placing an order using cryptocurrency, you must:

- Complete full KYC verification.

- Provide proof of identity and proof of address.

- Declare the origin of funds when required.

-invoice signed and return (insurance requirements)

Aurauvault complies with international AML/CFT regulations. Suspicious transactions may be reported, and orders may be frozen or cancelled.

Article 6: Insurance Coverage

Once payment is confirmed:

- Your metals are immediately covered under Aurauvault’s “All Risks” insurance from the moment payment is received until physical delivery to:

  - An Aurauvault-approved licensed vault, or

  - A certified safebox deposit.

No insurance applies to deliveries to personal or residential addresses.

Article 7: Delivery & Storage Options

You may choose between:

1. Allocated Storage in Switzerland, the UAE, the UK, or an approved bonded warehouse.

2. Delivery to a licensed vault or safebox.

For safety reasons, home delivery or unlicensed delivery locations are strictly prohibited.

Aurauvault is responsible for transit risks only when:

- The delivery is handled by an approved armored carrier (Brinks, Malca-Amit, Ferrari Group, Loomis), and

- The destination is a licensed storage facility.

Article 8: Refunds, Cancellations & Finality

- All crypto payments are final.

- Once payment is sent and confirmed, metals are allocated and the order cannot be reversed or refunded.

- Any blockchain fees incurred during payment or refund are borne by the client.

Aurauvault does not accept returns of purchased bullion.

Article 9: Withdrawal of Stored Metals

If metals are stored with Aurauvault:

- You may withdraw them anytime with 1 business days’ notice.

- Withdrawals must be in person or delivered to another approved vault.

- Shipping to non-approved addresses is not permitted.

Article 10: Market Volatility & Customer Responsibility

Aurauvault is not responsible for:

- Cryptocurrency price volatility,

- Gas fees or network congestion,

- Incorrect wallet addresses provided by the client,

- Delayed blockchain confirmations,

- Changes in metal prices after the order is locked.

Article 11: Security & Fraud Prevention

To ensure transaction integrity:

- Payments must come from wallets owned by the verified client.

- Mixing services, tumblers, and anonymizing tools are prohibited.

- Suspicious transactions may trigger additional compliance review.

Article 12: Jurisdiction & Governing Law

These Terms are governed by the laws of the United Kingdon and subject to the jurisdiction of the courts of London.

Article 13: Acceptance of Terms

By sending cryptocurrency to Aurauvault as payment, you acknowledge and accept:

- These General Terms,

- The Aurauvault General Terms of Sale,

- The Aurauvault Storage Terms (if applicable), and

- The Insurance Conditions.

Article 14: Activation of Insurance Policy

The Aurauvault insurance coverage becomes active and enforceable only after all of the following conditions are met:

1. The client has signed all required Aurauvault contractual documents, including:

   - The General Terms for Crypto-Based Purchases

   - The Purchase Agreement

   - The Storage Agreement (if applicable)

   - The KYC Verification Form

2. Aurauvault has validated the client’s identity and approved all AML/KYC compliance checks.

3. Aurauvault has received and confirmed payment through one of the accepted cryptocurrencies.

The signing of these documents constitutes the formal trigger for the issuance of the Named Co-Insured Endorsement under Aurauvault’s Lloyd’s of London “All Risks” insurance program.

No insurance coverage is considered active, valid, or binding until all required documents are signed and accepted by Aurauvault.