Effective Date: April 8, 2026 | Last Updated: July 8, 2026
“You authorize recurring contributions and round-ups. We collect your contributions weekly via ACH and track your progress toward a precious metals bar. When you reach your goal, we purchase the bar using our company funds and ship it to you — your accumulated payments fund the completed purchase.”
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: Connecticut, Hawaii, Illinois, Louisiana, New York, North Dakota, Texas, Vermont, Virginia, and Washington, as well as the District of Columbia, Puerto Rico, Guam, American Samoa, U.S. Virgin Islands, and the Northern Mariana Islands.
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 contributions are collected weekly as you accumulate toward your goal. When you reach your target and confirm your purchase, we purchase your bar with company funds at that moment’s price, and ship it once your final payment has fully cleared — your accumulated payments fund the transaction.”
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 by rounding each eligible purchase up to the nearest $1 and multiplying the difference by your selected round-up multiplier (default: 3x, which you may change at any time). For example, a $4.80 purchase generates a $0.20 round-up, which at a 3x multiplier results in $0.60 collected. Accumulated round-ups are collected via ACH on your selected frequency (weekly or bi-weekly).
A 7% round-up processing fee is applied to each round-up. The amount credited toward your bar reflects the round-up amount minus this fee. For example, a $5.00 round-up results in a $4.65 credit applied to your bar balance. This fee covers payment processing, transaction costs, and platform operations.
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.
We never debit more than you need. When the amount remaining to reach your bar’s price is less than your scheduled contribution, we debit only the amount needed to complete your balance (sized so that, after the processing fee, your credited amount exactly reaches your bar’s price) — not your full scheduled amount. Once you reach your bar’s price, scheduled contributions and round-up collection stop automatically.
“Your accumulated payments are held in a designated prepayment account and are applied to your bar purchase only upon shipment confirmation—not before.”
All payments, including any final payment that completes your balance, must fully clear before your bar is released for shipment (see Section 8.1).
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.
You may change your selected bar at any time before confirming a purchase, at no charge. Your accumulated credits carry over in full, and your 12-month accumulation window continues unchanged. Because minimum contributions are set so your bar remains reachable within your window, switching bars may change your minimum monthly contribution — any change to your contribution amount takes effect only after you expressly confirm it in the app, and applies from your next scheduled collection. If your credits already meet or exceed the price of a newly selected bar, you may confirm your purchase immediately; any excess credits remain in your account.
Bar prices are linked to live market prices plus our margin and update continuously — your target amount floats with the market, up or down, while you accumulate. Your price becomes final at the moment you confirm your purchase, based on the then-current market price and subject to supplier availability. Shipping is charged separately at fulfillment.
Availability. All bars are subject to supplier inventory at the time you confirm your purchase. If your selected bar is out of stock at confirmation, no purchase occurs and your price is not locked. You may instead: (a) accept a comparable bar we offer (same metal, closest available size), at that bar’s then-current price — which may be higher or lower than your original bar’s price; or (b) keep your accumulated credits and wait for your selected bar to be restocked. If you choose to wait, we will notify you when the bar is available, and your purchase will be at the bar’s then-current market-linked price at the time you confirm — which may be higher or lower than the price at the time the bar went out of stock. Prices are not held, reserved, or guaranteed while awaiting restock, in either direction.
| Fee Type | Amount |
|---|---|
| Account creation | Free |
| Round-up processing fee | 7% of each round-up amount (deducted before bar credit is applied) |
| 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.
Your bar ships after your final payment has fully cleared. ACH payments are not instant: after your final payment (including any payment that completes your balance at checkout), we hold shipment until the payment has settled without return — typically 5 banking days, and up to 10 banking days for newer accounts, larger final payments, or where additional payment verification is warranted. Your bar is purchased and your price is locked when you confirm — the clearance period affects only when it ships, never your price.
After release, bars ship to the address on file via insured carrier (ShipSecure); delivery typically takes 5–10 business days. In total, expect approximately 2–3 weeks from purchase confirmation to delivery. Shipping fee ($22 for bars ≤5g / $24 for bars >5g) is charged separately at time of fulfillment.
If your final payment is returned or reversed during the clearance period, the bar will not ship; your purchase will be unwound, your credit balance adjusted, and a returned payment fee assessed (see Section 5.5).
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 your credit balance at the time of cancellation (the amount being refunded to you):
| Credit Balance at Cancellation | 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.