FinClimb – Digital Gold (SafeGold) Terms & Conditions

Last updated: [20/01/2026]

These Digital Gold Terms & Conditions (“Digital Gold T&C”) govern the access, purchase, sale, storage, and redemption of Digital Gold by users (“User”, “You”) on the FinClimb platform (“FinClimb”, “We”, “Us”).

By proceeding with any Digital Gold transaction on FinClimb, you confirm that you have read, understood, and agreed to these terms, along with SafeGold’s Terms of Use.

1. Role & Scope of FinClimb

1. FinClimb acts solely as a technology platform and financial product distributor for Digital Gold.

2. FinClimb does not manufacture, own, custody, store, or insure gold.

3. All Digital Gold transactions are facilitated through SafeGold, a third-party Digital Gold provider.

4. FinClimb does not provide investment advice, guaranteed returns, or price assurance.

2. Digital Gold Product Structure

1. Digital Gold represents 99.9% (24K) physical gold, purchased in fractional or whole quantities.

2. The gold is:

   • Purchased from SafeGold’s authorized suppliers

   • Stored in secure, insured vaults managed by SafeGold and its vaulting partners

3. Ownership of gold is directly in the User’s name, as recorded by SafeGold.

3. Applicability of SafeGold Terms

1. All Digital Gold transactions on FinClimb are governed by SafeGold’s Terms of Use, available at:
   👉 https://app.safegold.com/terms-of-use

2. In case of any conflict, SafeGold’s Terms shall prevail with respect to:

   • Gold pricing

   • Storage

   • Operational or vault-related issues

3. By using Digital Gold on FinClimb, you explicitly consent to SafeGold’s Terms.

4. Pricing & Execution

1. Digital Gold prices are live market-linked prices provided by SafeGold.

2. Prices may fluctuate due to:

   • Market conditions

   • Taxes

   • Liquidity

   • Vaulting and operational costs

3. Once a price is locked and payment is successful, the transaction cannot be cancelled.

4. FinClimb has no control over pricing methodology or price movement.

5. Buy, Sell & Redemption

1. Buy Orders

   • Executed on a best-effort basis via SafeGold

   • Subject to successful payment and price lock validity

2. Sell Orders

   • Proceeds are credited to the User’s registered bank account

   • Settlement timelines are governed by SafeGold

3. Physical Delivery (if offered & opted)

   • Managed entirely by SafeGold

   • Additional charges may apply

   • Delivery timelines and risks are governed by SafeGold’s policies

6. Storage, Custody & Insurance

1. All gold is stored by SafeGold-appointed vaulting partners.

2. Storage insurance is provided by SafeGold, subject to their policy terms.

3. FinClimb does not guarantee vault safety, insurance coverage, or recovery in extraordinary events.

7. Taxes & Regulatory Compliance

1. Applicable taxes (including GST, capital gains, or future levies) are borne by the User.

2. FinClimb does not provide tax advice.

3. Users are responsible for ensuring compliance with applicable tax and legal requirements.

8. User Responsibilities

The User agrees to:

1. Provide accurate KYC and bank details

2. Use the platform only for lawful purposes

3. Understand that Digital Gold carries market risk

4. Independently evaluate suitability before investing

9. Risk Disclosure

1. Digital Gold prices are subject to market volatility.

2. Past performance does not guarantee future returns.

3. Digital Gold is not a bank deposit, fixed income product, or insured financial instrument under RBI or any statutory deposit insurance scheme.

4. FinClimb shall not be liable for market losses or price fluctuations.

10. Limitation of Liability

1. FinClimb shall not be liable for:

   • Actions or omissions of SafeGold

   • Vaulting, insurance, or logistics issues

   • Market losses

   • Regulatory changes

2. FinClimb’s liability, if any, shall be limited to the extent mandated by applicable law.

11. Grievance & Support

1. For transaction-level or gold-specific issues, Users may be redirected to SafeGold support.

2. FinClimb will provide reasonable facilitation, without assuming liability.

3. You can reach out to us and write us your concern at support@finclimb.money

12. Amendments

FinClimb reserves the right to update these Terms at any time. Continued use of Digital Gold services constitutes acceptance of updated terms.