Policies
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Bullion Sales and Purchasing Terms and Conditions – Heritage Gold
Interpretation
In this agreement, unless the context otherwise requires:
Heritage Gold, Heritage International Ltd and Heritage all refer to Heritage International Limited, trading as Heritage Gold.
Account means an account held by Heritage Gold on your behalf to facilitate any product or service, including trading or purchasing precious metals through an Authorised Agent.
Authorised Agent means a person you have authorised in writing to give trading or collection instructions on your behalf. If you act for a company, trust or other entity, we require your personal identification and confirmation of your right to act for it. Where there is more than one Authorised Agent, please tell us whether the account is to be operated jointly or severally.
Available Funds means cleared funds in Heritage Gold’s nominated bank account, or cash paid in store in accordance with Section 3A. Credit card payments require 5 days to clear. If you collect 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 bullion sent by courier to the nominated address of the Authorised Agent.
1. General
Account holders and Authorised Agents must be over 18 years of age.
This agreement applies to all dealings between you and Heritage Gold, whatever method or device is used to place an order or make a payment.
This agreement replaces any earlier agreement between you and us. Obligations under an earlier arrangement are treated as if they were entered into under this agreement.
You must tell us immediately of any errors or omissions in our records about you or your account.
This agreement is governed by New Zealand law. All instructions are subject to New Zealand law and this agreement.
We are not responsible for any loss where we do not receive your instructions, or where a transaction is interrupted or cannot be completed because of a failure of any telephone, computer or other electronic device.
By placing a buy or sell order, or opening an account, you accept these terms.
2. Buying from Us
Quotes
Quotes expire one hour after issue unless we state otherwise. In volatile markets, quotes may expire sooner.
Purchase orders
Confirmed purchases are final and cannot be cancelled or changed.
If payment is not received within 24 hours of ordering, you are responsible for any resulting losses or fees.
In volatile market conditions, live pricing applies unless we agree otherwise.
We may suspend trading during extreme volatility, at our discretion.
Published prices are indicative only. The final price is fixed when your order is confirmed.
No returns or refunds are accepted on bullion purchases, except as set out in our Returns & Refunds Policy.
You are responsible for arranging collection of your order, or for accepting delivery under our Shipping Policy.
Payment and settlement
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 a failure to settle on time.
If you default:
a. an admin fee of $250 plus GST applies to each default;
b. you must compensate us for all losses and legal recovery costs;
c. we may exit positions and recover our costs from you;
d. if an order is cancelled, you pay the difference between the sale price and the buy-back price;
e. we may debit your credit or debit card to recover costs;
f. we may refuse future orders.
You must have sufficient Available Funds before placing an order.
Section 3A: Cash payments
We accept cash for in-store purchases up to $4,000 per order.
Any order above $4,000 must be paid in full by bank transfer. Cash cannot be used for part of the payment.
New Zealand law also limits cash payments for bullion and jewellery. We will not accept any cash payment that breaches those limits.
Cash is not accepted for online orders.
Before accepting any cash payment, we will:
a. check your driver’s licence or current government photo ID, and confirm that the photo matches you;
b. take a photo of you holding your ID;
c. ask how you acquired the cash, and record your answer;
d. ask you to sign to confirm that the information you have given is truthful;
e. record your details alongside the transaction details;
f. take a photo of your ID alongside the transaction details.
The information is handled as described in our Privacy Policy.
Bank transfers and third-party payments
Bank transfers must come from an account in your name. The payer’s name must match your name.
We do not accept payments from third-party or overseas accounts without our prior written approval.
Sanctions
We will not deal with any person or entity subject to New Zealand or United Nations sanctions. We may check your details against sanctions lists before completing any sale. If we are unable to complete these checks, we may refuse or cancel the sale.
4. Selling to Us
You are responsible for ensuring that all instructions you give us comply with the law and this agreement.
Written instructions are treated as received once we act on them. It is your responsibility to confirm that we have received them.
We are not obliged to accept any sale instruction.
We act only within the scope of your instructions.
We may refuse an instruction for legal, ownership, or clarity reasons.
5. Authorities, Indemnities and Liability
We may record telephone calls.
You agree to pay all fees and reimburse external costs, including GST.
We may apply any credit or payment against amounts you owe us.
You indemnify Heritage Gold and its agents against losses and legal claims arising from your breach of this agreement.
You release Heritage Gold from liability for any direct or consequential loss, except where the law does not allow this.
We are not liable for losses caused by system or service breakdowns.
These clauses survive termination.
6. Notices, Termination and Assignment
Any notice is treated as received on the Business Day after posting, or on confirmation if sent electronically.
Either party may end this agreement by giving 7 days’ written notice.
You may not assign this agreement without our written consent. We may assign it without notice.
If any part of this agreement is invalid, the rest remains in force.
7. Privacy
We collect personal information to administer your account, process transactions and comply with legal requirements. Our Privacy Policy explains how we handle it.
8. Warranties
The representations and warranties you give us apply each time you transact with us.
9. Electronic Communications
You consent to receiving notices, confirmations, invoices and other communications from us electronically, including by email or text message. You must keep your contact details up to date.
10. Force Majeure
We are not liable for any failure or delay in performing our obligations caused by events outside our reasonable control. These include natural disasters, war, market disruption, cyberattacks, government action, telecommunications failures and changes in law.
Last updated: 28/10/26
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Privacy Policy
Heritage International Limited, trading as Heritage Gold (“we”, “us”), operates this store and website, and the related information, content, features, tools, products and services (the “Services”). The Services are hosted by Squarespace.
This Privacy Policy explains how we collect, use, store and disclose your personal information under the Privacy Act 2020 when you visit or use the Services, buy or sell with us, or contact us. If our Bullion Terms of Service and this Privacy Policy conflict on how we handle personal information, this Privacy Policy applies.
What personal information we may collect
Contact details: name, email address, phone number, and shipping or billing address (where required, see below).
Identity information: a copy or photo of your driver’s licence or government photo ID, a photo of you holding your ID, and the ID details we record (name, date of birth, ID type and number, and expiry date).
Transaction information: the items you view, order, buy or sell, your payment details and payment confirmations, and your purchase history.
Cash purchase statements: your statement of how you acquired some cash, and your signed confirmation that the information you have given is truthful.
Ownership statements: your statement of how you acquired any items, and that you are the legal owner or have the legal right to sell the goods on behalf, and your signed confirmation that the information you have given is truthful.
Communications: anything you send us, including customer support enquiries.
Device and usage information: your device, browser, IP address, and how you use the Services. This is collected automatically, including through cookies.
Where we get it
We collect personal information directly from you, automatically through the Services, from our service providers (including Squarespace and payment providers), and occasionally from third parties where you have asked us to, or where the law allows.
Why we collect it
We use your personal information to:
process your orders, payments, buy and sell transactions, and refunds;
arrange shipping and deliveries;
verify your identity for cash purchases, and protect the business and our customers against fraud, theft and money laundering;
check sales against sanctions lists
meet our legal and record-keeping obligations;
communicate with you about your orders, account, and our customer support;
operate, secure and improve the Services.
Why we ask for your ID for cash purchases. Bullion and jewellery are easy to sell and move. We check your identity and record how you acquired your cash to protect you and us against fraud, theft and money laundering, and to meet our legal obligations. We ask for your personal information only for these purposes. If you do not provide it, we cannot complete a cash purchase.
Use of ID photos and records
ID photos and cash purchase records are used only for the purposes above.
We do not use ID photos or customer photos for marketing or any other purpose.
These are stored securely.
Access to these records is limited to the people who need it to do their job.
Marketing
We may send you marketing emails or texts about our products and services. You can opt out at any time by using the unsubscribe link in our emails, or by contacting us. We will still send you non-marketing messages about your orders and account.
Who we share it with
We may share personal information with:
Squarespace, our service providers and payment providers, to run the Services, process payments, deliver orders and support customers;
our affiliates, where they help us run the business;
regulators, law enforcement or courts, where required or allowed by law;
other parties, where you ask us to, for example to deliver an order.
We do not sell your personal information.
Storage and retention
We store personal information securely and keep it only as long as needed for the purposes above. Cash purchase records, including ID photos, are kept for 5 years after the sale and then securely deleted, unless they are needed for a legal matter that is still open.
No security measure is perfect. Information you send us by unsecured channels, such as ordinary email, may not be secure in transit.
Your rights
Under the Privacy Act 2020 you can:
ask us for access to the personal information we hold about you;
ask us to correct personal information that is wrong;
ask us to explain how we use or share it;
make a complaint about how we have handled your information.
We may need to verify your identity before we act on a request. Where we cannot release information, we will tell you why. To make a request, please contact us using the details below. If we do not resolve your complaint, you can contact the Office of the Privacy Commissioner (privacy.org.nz).
Children
The Services are not intended for anyone under 18. If you believe a child has given us their personal information, please contact us so we can delete it.
Third-party links and Squarespace
The Services may link to third-party websites. We are not responsible for the privacy practices of those sites. Squarespace may collect and process information about your use of the Services to provide and improve them. You can read Squarespace’s privacy policy at squarespace.com/privacy.
International transfers
Your personal information may be stored or processed by our service providers outside New Zealand. Where this happens, we take reasonable steps to make sure your information is protected.
Changes to this policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and change the “Last updated” date.
Contact
Questions about privacy, or requests to access or correct your information, can be sent to hannah@heritagegold.nz, or to Unit 81 / 41 Bouverie Street, Petone, Lower Hutt 5012, New Zealand.
Last updated: 28/10/26
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Returns & Refunds Policy
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.
All bullion purchases are final, as set out in our Bullion Terms of Service. Jewellery and watches purchased from us are covered by the following.
Nothing in this policy limits your rights under the Consumer Guarantees Act 1993. Under that Act, if an item is faulty or not as described, you may be entitled to a repair, replacement, refund or exchange.
Faulty or not-as-described items
If you believe an item is faulty or not as described, please contact us within 5 days of receiving your order. Include your proof of purchase and clear photos of the issue. We will assess the claim and tell you what we can offer under the Consumer Guarantees Act.
Change of mind
We do not accept returns or give refunds for change of mind, incorrect purchases, or buyer’s remorse, except where the law requires us to do so.
How refunds are paid
Refunds are paid only to the original payment method and the original account holder. If the original payment method was cash, we will only provide a refund to a New Zealand bank account in New Zealand dollars, that is in the name of the original purchaser. We never refund to a third party.
This policy applies to all in-store and online purchases.
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Heritage Gold: Shipping Policy
Where we ship
We currently ship within New Zealand, to the North Island and South Island, only.
Payment before dispatch
Orders are dispatched once payment has cleared. Online orders can be paid by the methods shown at checkout. Cash is not accepted for online orders. Orders above $4,000 must be paid in full by bank transfer.
Delivery address
Goods are delivered to your own address, and the name on the order must match the name on your payment. We do not deliver to a third-party address or to a third-party account without our prior written approval.
Shipping costs and timeframes
Standard shipping: $10.
Courier of bullion is not insured
Bullion sent by courier is not insured once it leaves our premises and is scanned as received by the courier. If it is damaged or incomplete, tell us within 5 days of delivery, with photos and your packaging, so that we can make a claim.
Signature on delivery
Bullion and jewellery orders require a signature on delivery. Please make sure someone is available to receive the order at the delivery address.
We take no responsibility for any order marked delivered and signed for.
Failed or returned deliveries
If a delivery cannot be completed because no one is available, or the address is incorrect, the courier may return the order to us. You may be asked to pay the redelivery cost. Once a delivery is returned, we will contact you to arrange next steps.
Questions
Contact us at hannah@heritagegold.nz or +64 21 074 9410.
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Selling goods to
Heritage International Limited t/a Heritage Gold (‘Us’, ‘We’, ‘Our’)
Terms of Service
To ensure we fulfil our obligations under the Second-hand Dealers Act and comply with all other government laws and regulations, we will require and record the following for every purchase we make;
1. Your Drivers Licence or a current government ID with your photograph. We will take a photo of you holding this.
2. Confirmation from you, as to how you acquired the goods.
3. Your address.
4. Your bank account name and number to make payment into.
5. Your signature confirming that in regards to the selling of this item(s), you are the legal owner / have the legal right, and it is free of lien, and encumbrance.
6. To record your details alongside the details of the transaction.
7. A Photograph of your licence alongside the items and our buy docket.
If the items are not yours, and you are selling on behalf of another person, we will also need the owners’ name and address.
Thank you for your understanding.
These terms of service are subject to change without notice. The most recent terms of service are as above.
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Cash Purchases
Heritage International Limited t/a Heritage Gold (‘Us’, ‘We’, ‘Our’)
Terms of Service
Due to the nature of bullion and jewellery, and to comply with government regulations, we have set the following rules for cash purchases.
We will not accept cash payments exceeding $4,000.
If the total value of your order exceeds $4,000, the total amount must be paid by bank transfer into our account.
When purchasing with cash, we will require and complete the following:
1. Your Drivers Licence or a current government ID with your photograph.
2. To take a photograph of you holding your ID.
3. Confirmation from you, as to how you acquired the cash.
4. Your signature confirming the information you have provided at this time is truthful.
5. A record of your details alongside the details of the transaction.
6. A Photograph of your ID alongside the details of the transaction.
Thank you for your understanding.
These terms of service are subject to change without notice. The most recent terms of service are as above.
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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