Effective Date: April 8, 2026 | Last Updated: April 8, 2026
“You authorize recurring contributions and round-ups. We track your progress toward a precious metals bar. When you reach your goal, we purchase the bar using our funds, ship it to you, and then collect your authorized payment.”
By accessing the Giraffe Gold mobile application, website, or related services, you agree to be bound by these Terms. These constitute a binding agreement between you and Giraffe Gold Holdings LLC, a Delaware limited liability company.
Users must be:
Service is unavailable in: New York, Connecticut, Vermont, Massachusetts, Washington, Illinois, Maryland, Hawaii, Alaska, District of Columbia, Puerto Rico, Guam, American Samoa, U.S. Virgin Islands, Northern Mariana Islands, and the Marshall Islands / Federated States of Micronesia.
Accurate, current, and complete information required; users must update promptly upon changes.
KYC and AML verification required; users authorize identity inquiries against third-party databases.
Users maintain credential confidentiality and report unauthorized access immediately to security@giraffegoldbar.com.
Giraffe Gold enables accumulating credits toward precious metals (gold, silver, platinum bars) through:
“Your funds remain in your bank account until after your bar has been purchased and shipped.”
All metals sourced from Upstate Coin & Gold (U.S. Mint authorized purchaser); every bar certified authentic.
Linking accounts authorizes Giraffe Gold to initiate ACH debits via Stripe payment processor until cancelled.
Round-ups are calculated on linked card transactions and are available in three tiers: nearest $1, nearest $5 (default, pre-selected), or nearest $10. Accumulated pending round-ups are transferred when the pending balance reaches $5+ (Sundays, 11:00 PM ET).
Processed per selected frequency via ACH debit. A 1% contribution processing fee applies to all contributions to cover payment processing costs. This fee is disclosed at the time of each contribution.
“Payment is collected after we have purchased your bar and initiated shipment—not before.”
Failed transfers trigger notification and retry; repeated failures may suspend accounts. Users are responsible for bank fees. A $6.50 returned payment fee will be assessed for each failed or returned ACH transaction to cover bank processing costs. This fee may be deducted from your credit balance.
IMPORTANT
All payments to Giraffe Gold constitute prepayment toward the purchase of physical precious metals. This is a layaway purchase arrangement, not a deposit or savings account.
Credits reflect cumulative contributions and round-ups toward your precious metals purchase goal. Credits are NOT:
Your credits represent progress toward a contracted purchase of physical precious metals. Upon reaching your purchase threshold, your gold, silver, or platinum bar will be purchased and shipped to you.
Customers must reach their purchase threshold within 12 months of their first payment toward a given bar. If the threshold is not reached within 12 months:
Giraffe Gold is a precious metals purchase program, not a savings account. This policy ensures the program operates as intended.
Balances earn no interest; they represent progress toward purchases, not savings accounts.
Precious metals prices fluctuate; target bar prices may increase or decrease. Significant changes warrant notification.
Prices based on current market prices plus margin; updated regularly. Price at purchase time is final. Shipping is charged separately at fulfillment.
| Fee Type | Amount |
|---|---|
| Account creation | Free |
| Round-up processing | No fee to users |
| Contribution processing | 1% of contribution amount |
| Shipping (standard insured) | $22 (≤5g bars) / $24 (>5g bars) — charged at fulfillment |
| ACH transfer fee | No fee to users |
| Returned payment fee | $6.50 per failed/returned ACH |
| Cancellation fee | $25 / $50 / $100 (see Section 9) |
Users responsible for applicable sales tax, use tax, or other taxes. Tax treatment varies by state.
Bars shipped to address on file via insured carrier (ShipSecure); typically 5–10 business days post-purchase. Shipping fee ($22 for bars ≤5g / $24 for bars >5g) is charged separately at time of fulfillment.
All shipments fully insured vault-to-doorstep. Lost or damaged packages replaced at no cost.
Title transfers upon delivery and signed confirmation. Until delivery, bar remains company property.
Adult signature required; multiple failed delivery attempts result in return and potential reshipment fees.
Users may cancel anytime via app or by contacting support@giraffegoldbar.com.
Before reaching goal and bar purchase:
Cancellation fees are based on the retail value of the bar you are accumulating toward:
| Bar Retail Value | Cancellation Fee |
|---|---|
| Under $1,000 | $25 |
| $1,000 – $5,000 | $50 |
| Over $5,000 | $100 |
No cancellation fee applies within the first 30 days of account creation. Cancellation fees cover administrative, payment processing, and account maintenance costs incurred during the accumulation period.
Once purchased for shipment, cancellation unavailable. Refusing delivery incurs return shipping and restocking fees.
Contact within 7 days of delivery for defective bars; replacement provided at no cost after verification.
“Due to the nature of precious metals, we do not offer refunds once a bar has been delivered and accepted.”
Future buyback program may allow bar resale; currently unavailable. Separate terms will apply if implemented.
Users agree not to:
All content, features, and functionality are owned by Giraffe Gold or licensors, protected by U.S. and international IP laws. Reproduction, distribution, modification, or derivative works prohibited without written consent.
“Giraffe Gold is not a registered investment advisor, broker-dealer, or financial planner. Nothing constitutes investment, financial, tax, or legal advice.”
Consult qualified professionals.
No representations or guarantees regarding precious metals future value; past performance not indicative of future results.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
Company not responsible for third-party service providers (Plaid, Stripe, Upstate Coin & Gold, ShipSecure).
GIRAFFE GOLD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU HAVE PAID IN 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.
Users indemnify and hold harmless company and affiliates from claims, damages, losses, and expenses arising from:
Before filing claims, contact legal@giraffegoldbar.com; attempt 30-day informal resolution.
Unresolved disputes resolved via binding arbitration under American Arbitration Association Consumer Rules, conducted in Delaware or user's state.
YOU AGREE THAT ANY CLAIMS WILL BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
Small claims court available if eligible; either party may seek injunctive relief.
Cancel anytime via app or cancellation process (Section 9).
Immediate suspension/termination possible if:
Right to use ceases immediately. Survival provisions include disclaimers, liability limitations, and arbitration.
Company may modify Terms anytime via:
Continued use constitutes acceptance. Non-agreement requires service cessation and account cancellation.
Delaware law governs; conflict of law principles excluded.
Terms plus Privacy Policy constitute entire agreement.
Unenforceable provisions don't invalidate remaining provisions.
Non-enforcement doesn't constitute waiver.
Users cannot assign rights without consent; company may assign freely.
Company not liable for delays/failures from circumstances beyond reasonable control (disasters, war, terrorism, labor disputes, government actions, internet failures).
Giraffe Gold Holdings LLC
© 2026 Giraffe Gold Holdings LLC. All rights reserved.