Policies
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Bullion Sales and Purchasing Terms and Conditions – Heritage Gold
Interpretation
In this agreement, unless the context otherwise requires:
Heritage Entities – The terms Heritage Gold, Heritage International Ltd, and Heritage are used interchangeably throughout this agreement and all refer to the same legal entity.
Account – means an account held by Heritage Gold on your behalf for the purpose of facilitating any product or service, including the trading or purchasing of precious metals on behalf of the Authorised Agent.
Authorised Agent – means any person you have properly authorised in writing to give trading or collection instructions to Heritage Gold on your behalf. You may be representing a company, trust or other entity, in which case we require both your personal identification and confirmation of your right to represent the entity. Where an Authorised Agent is more than one person, we require instructions as to whether the account is to be operated jointly or severally.
Available Funds – means cleared funds in Heritage Gold’s nominated bank account. Credit card payments require 5 days for clearance. If collecting goods in person, your credit card must be presented at pickup.
Business Day – means a day on which banks and foreign exchange markets are open for business in Wellington, New Zealand.
Bullion – means any precious metal of not less than 99.5% purity for gold and 99.9% purity for silver.
Insurance – means insurance cover arranged by Heritage Gold for couriered bullion sent to the nominated address of the Authorised Agent.
General
Account holders and Authorised Agents must be over the age of 18 to open an account with Heritage Gold. This agreement applies to all dealings between the Authorised Agent (collectively referred to as “you” or “your”) and Heritage Gold (collectively referred to as "we", "our" and "us") regardless of the facility/device/mechanism used to facilitate the dealings.
Upon its commencement, this agreement replaces any agreement that currently exists between you and us, and the obligations entered into under the prior arrangement will be treated as if they were entered into pursuant to this agreement.
You agree and warrant notifying Heritage Gold immediately of any errors or omissions in our records with respect to your details or Account.
You acknowledge that this Agreement is governed by the laws of New Zealand.
All instructions are subject to the law of New Zealand, and the terms of this Agreement.
We will not be responsible for any loss or liability incurred by you where we do not receive your instructions or where any dealing or proposed dealing is interrupted, unable to be completed or unable to take place due to the failure of any telephone, computer, other electronic or technological device.
You acknowledge that by placing a buy or sell order with Heritage Gold or creating an account you evidence your acceptance of the Terms and Conditions of this binding agreement.
Buying from Us
Quotes: 7. All quotes expire one hour after issue unless otherwise stated. During volatile markets, quotes may expire sooner.
Purchase Orders: 8. All confirmed purchases are final and cannot be cancelled. 9. If payment is not received within 24 hours of ordering, you are responsible for any resulting losses or fees. 10. In volatile market conditions, live pricing will be used unless otherwise agreed. 11. We may suspend trading during extreme volatility, at our sole discretion. 12. Any published prices are indicative only; final pricing is locked in at confirmation. 13. Orders are final and cannot be changed once confirmed. No returns or refunds will be accepted. 14. You are responsible for arranging collection or accepting delivery of your order.
Payment and Settlement: 15. You must pay: a. The full purchase price, fees and charges. b. Any applicable taxes or third-party costs. c. Interest on overdue amounts. d. Costs arising from failure to settle on time.
16. If you default: a. A $250 + GST admin fee applies per default. b. You must compensate us for all losses and / or legal recovery costs. c. We may exit positions and recover costs from you. d. You will pay the difference between the sale and buyback price if an order is cancelled. e. We may debit your credit or debit account to recover costs. f. We may refuse future orders.
17. You must ensure sufficient Available Funds before placing an order.
Selling to Us
18. You are responsible for ensuring all instructions to Heritage Gold comply with law and this agreement.
19.Written instructions are deemed received once acted upon. It is your responsibility to confirm receipt.
20. We are not obligated to accept any trade instructions.
21. We act only within the scope of your instructions.
22. We may refuse instructions for legal, ownership, or clarity reasons.
Authorities and Indemnities
(Clauses 23 to 29 survive termination)
23. You authorise us to disclose your application data to credit agencies and request credit reports.
24. We may record phone calls.
25. You agree to pay all fees and reimburse external costs including GST.
26. We may apply any credits or payments against amounts you owe us.
27. You indemnify Heritage Gold and its agents against all losses and legal claims arising from your breach.
28. You release Heritage Gold from liability for any direct or consequential loss.
29. We are not liable for issues arising from system or service breakdowns.
Notice
30. Any notice is deemed received the business day after posting, or upon confirmation if sent electronically.
Termination
31. Either party may terminate this agreement with 7 days’ written notice.
Assignment
32. You may not assign this agreement without our written consent. We may assign without notice.
Severance
33. If any part of this agreement is invalid, the rest remains in force.
Privacy
34. We collect personal data to administer your account and comply with legal requirements. You may access and correct your data. We may share it with agents, service providers, or regulators where required.
Warranties
35. Your representations and warranties apply each time you transact with us.
Additional Clauses
36. Anti-Money Laundering (AML/CFT) Compliance
Heritage Gold complies with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (NZ). You agree to provide all identification and documentation required to fulfil our compliance obligations. Heritage Gold reserves the right to suspend or terminate any account or transaction where adequate information is not supplied or suspicious activity is detected.37. Electronic Communications
You consent to receiving all notices, confirmations, invoices and other communications from Heritage Gold electronically, including via email or SMS. It is your responsibility to keep your contact details up to date.38. Force Majeure
Heritage Gold is not liable for any failure or delay in the performance of its obligations due to events outside its reasonable control. These include but are not limited to: natural disasters, war, market disruptions, cyberattacks, government action, telecommunications failures or legal changes. -
Heritage Gold operates this store and website, including all related information, content, features, tools, products and services, in order to provide you, the customer, with a curated shopping experience (the "Services"). Heritage Gold is hosted on Squarespace, which enables us to provide the Services to you. This Privacy Policy describes how we collect, use, and disclose your personal information when you visit, use, or make a purchase or other transaction using the Services or otherwise communicate with us. If there is a conflict between our Terms of Service and this Privacy Policy, this Privacy Policy controls with respect to the collection, processing, and disclosure of your personal information.
Please read this Privacy Policy carefully. By using and accessing any of the Services, you acknowledge that you have read this Privacy Policy and understand the collection, use, and disclosure of your information as described in this Privacy Policy.
Personal Information We Collect or Process
When we use the term "personal information," we are referring to information that identifies or can reasonably be linked to you or another person. Personal information does not include information that is collected anonymously or that has been de-identified, so that it cannot identify or be reasonably linked to you. We may collect or process the following categories of personal information, including inferences drawn from this personal information, depending on how you interact with the Services, where you live, and as permitted or required by applicable law:
Contact details including your name, address, billing address, shipping address, phone number, and email address.
Financial information including credit card, debit card, and financial account numbers, payment card information, financial account information, transaction details, form of payment, payment confirmation and other payment details.
Account information including your username, password, security questions, preferences and settings.
Transaction information including the items you view, put in your cart, add to your wishlist, or purchase, return, exchange or cancel and your past transactions.
Communications with us including the information you include in communications with us, for example, when sending a customer support inquiry.
Device information including information about your device, browser, or network connection, your IP address, and other unique identifiers.
Usage information including information regarding your interaction with the Services, including how and when you interact with or navigate the Services.
Personal Information Sources
We may collect personal information from the following sources:
Directly from you including when you create an account, visit or use the Services, communicate with us, or otherwise provide us with your personal information;
Automatically through the Services including from your device when you use our products or services or visit our websites, and through the use of cookies and similar technologies;
From our service providers including when we engage them to enable certain technology and when they collect or process your personal information on our behalf;
From our partners or other third parties.
How We Use Your Personal Information
Depending on how you interact with us or which of the Services you use, we may use personal information for the following purposes:
Provide, Tailor, and Improve the Services
We use your personal information to provide you with the Services, including to perform our contract with you, to process your payments, to fulfill your orders, to remember your preferences and items you are interested in, to send notifications to you related to your account, to process purchases, returns, exchanges or other transactions, to create, maintain and otherwise manage your account, to arrange for shipping, to facilitate any returns and exchanges, to enable you to post reviews, and to create a customized shopping experience for you, such as recommending products related to your purchases. This may include using your personal information to better tailor and improve the Services.
Marketing and Advertising
We use your personal information for marketing and promotional purposes, such as to send marketing, advertising and promotional communications by email, text message or postal mail, and to show you online advertisements for products or services on the Services or other websites, including based on items you previously have purchased or added to your cart and other activity on the Services.
Security and Fraud Prevention
We use your personal information to authenticate your account, to provide a secure payment and shopping experience, detect, investigate or take action regarding possible fraudulent, illegal, unsafe, or malicious activity, protect public safety, and to secure our services. If you choose to use the Services and register an account, you are responsible for keeping your account credentials safe. We highly recommend that you do not share your username, password or other access details with anyone else.
Communicating with You
We use your personal information to provide you with customer support, to be responsive to you, to provide effective services to you and to maintain our business relationship with you.
Legal Reasons
We use your personal information to comply with applicable law or respond to valid legal process, including requests from law enforcement or government agencies, to investigate or participate in civil discovery, potential or actual litigation, or other adversarial legal proceedings, and to enforce or investigate potential violations of our terms or policies.
How We Disclose Personal Information
In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:
With Squarespace, vendors and other third parties who perform services on our behalf (e.g. IT management, payment processing, data analytics, customer support, cloud storage, fulfillment and shipping).
With business and marketing partners to provide marketing services and advertise to you. Our business and marketing partners will use your information in accordance with their own privacy notices. Depending on where you reside, you may have a right to direct us not to share information about you to show you targeted advertisements and marketing based on your online activity with different merchants and websites.
When you direct, request us or otherwise consent to our disclosure of certain information to third parties, such as to ship you products or through your use of social media widgets or login integrations.
With our affiliates or otherwise within our corporate group.
In connection with a business transaction such as a merger or bankruptcy, to comply with any applicable legal obligations (including to respond to subpoenas, search warrants and similar requests), to enforce any applicable terms of service or policies, and to protect or defend the Services, our rights, and the rights of our users or others.
Relationship with Squarespace
The Services are hosted by Squarespace, which may collect and process personal information about your access to and use of the Services in order to provide and improve the Services for you. Information you submit to the Services may be transmitted to and shared with Squarespace as well as third parties that may be located in countries other than where you reside, in order to provide and improve the Services for you.
To learn more about how Squarespace uses your personal information and any rights you may have, you can visit Squarespace Privacy Policy.
Third Party Websites and Links
The Services may provide links to websites or other online platforms operated by third parties. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions. We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites. Information you provide on public or semi-public venues, including information you share on third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party platforms without limitation as to its use by us or by a third party. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on the Services.
Children's Data
The Services are not intended to be used by children, and we do not knowingly collect any personal information about children under the age of majority in your jurisdiction. If you are the parent or guardian of a child who has provided us with their personal information, you may contact us using the contact details set out below to request that it be deleted.
As of the Effective Date of this Privacy Policy, we do not have actual knowledge that we "share" or "sell" (as those terms are defined in applicable law) personal information of individuals under 16 years of age.
Security and Retention of Your Information
Please be aware that no security measures are perfect or impenetrable, and we cannot guarantee "perfect security." In addition, any information you send to us may not be secure while in transit. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.
How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide you with Services, comply with legal obligations, resolve disputes or enforce other applicable contracts and policies.
Your Rights and Choices
Depending on where you live, you may have some or all of the rights listed below in relation to your personal information. However, these rights are not absolute, may apply only in certain circumstances and, in certain cases, we may decline your request as permitted by law.
Right to Access / Know. You may have a right to request access to personal information that we hold about you.
Right to Delete. You may have a right to request that we delete personal information we maintain about you.
Right to Correct. You may have a right to request that we correct inaccurate personal information we maintain about you.
Right of Portability. You may have a right to receive a copy of the personal information we hold about you and to request that we transfer it to a third party, in certain circumstances and with certain exceptions.
Managing Communication Preferences. We may send you promotional emails, and you may opt out of receiving these at any time by using the unsubscribe option displayed in our emails to you. If you opt out, we may still send you non-promotional emails, such as those about your account or orders that you have made.
You may exercise any of these rights where indicated on the Services or by contacting us using the contact details provided below.
We will not discriminate against you for exercising any of these rights. We may need to verify your identity before we can process your requests, as permitted or required under applicable law. In accordance with applicable laws, you may designate an authorized agent to make requests on your behalf to exercise your rights. Before accepting such a request from an agent, we will require that the agent provide proof you have authorized them to act on your behalf, and we may need you to verify your identity directly with us. We will respond to your request in a timely manner as required under applicable law.
Complaints
If you have complaints about how we process your personal information, please contact us using the contact details provided below. Depending on where you live, you may have the right to appeal our decision by contacting us using the contact details set out below, or lodge your complaint with your local data protection authority.
International Transfers
Please note that we may transfer, store and process your personal information outside the country you live in.
If we transfer your personal information out of the European Economic Area or the United Kingdom, we will rely on recognized transfer mechanisms like the European Commission's Standard Contractual Clauses, or any equivalent contracts issued by the relevant competent authority of the UK, as relevant, unless the data transfer is to a country that has been determined to provide an adequate level of protection.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on this website, update the "Last updated" date and provide notice as required by applicable law.
Contact
Should you have any questions about our privacy practices or this Privacy Policy, or if you would like to exercise any of the rights available to you, please call or email us at hannah@heritagegold.nz or contact us at Unit 81/41 Bouverie Street, Petone, Lower Hutt, WGN, 5012, NZ.
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At Heritage International Ltd, all sales are final. We do not accept returns or offer refunds for change of mind, incorrect purchases, or buyer’s remorse.
In accordance with the Consumer Guarantees Act 1993 (NZ), we will provide a refund, exchange, or repair only if the item is faulty or not as described.
To request a return for a faulty item, please contact us within 5 days of receiving your order, with proof of purchase and photos clearly showing the issue.
This policy applies to all in-store and online purchases.
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You can reach us anytime via our contact page or email. We aim to respond quickly—usually within one business day.
PHONE +64 21 074 9410
EMAIL hannah@heritagegold.nz
Hours Mon - Wed & Fri: 9:30am - 2:30pm · Thu: 9:30am - 4pm