TERMS & CONDITIONS SUMMARY

1. INTRODUCTION

• Anchor Gold operates as a digital reserve platform focused on structured access to allocated physical gold through secure digital wallet and ecosystem infrastructure.
• Use of the platform constitutes acceptance of these Terms & Conditions.
• Users agree to comply with all applicable laws, compliance procedures, and operational requirements.

2. PLATFORM NATURE

• Anchor Gold is positioned as a digital reserve and allocation participation platform.
• The platform is not represented as a bank, investment fund, securities exchange, or guaranteed-return financial product.
• Participation is voluntary and subject to compliance approval.

3. USER ELIGIBILITY

• Full legal name may be required.
• Identification documentation may be required.
• Proof of address may be required.
• Banking information may be required.
• Mobile and email verification may be required.
• Additional verification information may be requested where reasonably required for operational, compliance, or security purposes.
• Anchor Gold reserves the right to approve, decline, suspend, or restrict accounts subject to compliance or operational requirements.

4. DIGITAL WALLET STRUCTURE

• Digital wallet and payment functionality may be supported through approved ecosystem infrastructure providers where applicable.
• ZAR wallet functionality may be provided.
• Gold wallet functionality may be provided.
• Silver wallet functionality may be provided.
• Utility/payment services may be provided.
• Merchant functionality may be provided.
• Additional digital reserve services may be added over time.
• Wallet functionality may evolve over time.

5. GOLD ALLOCATION

• Gold allocations are digitally recorded within the platform and related ecosystem infrastructure environments.
• Gold-related values may fluctuate according to market conditions.
• Allocations remain subject to operational, liquidity, custody, ecosystem, and regulatory considerations.

6. COMMUNITY PARTICIPATION

• Certain platform structures may include optional community participation models.
• Participation does not guarantee financial outcomes or profits.
• Community structures remain subject to operational rules and compliance requirements.

7. FEES

• Operational fees may apply.
• Wallet fees may apply.
• Transfer fees may apply.
• Exchange fees may apply.
• Settlement fees may apply.
• Service-related charges may apply.
• Applicable fees may change over time.

8. COMPLIANCE & AML

• Anchor Gold reserves the right to perform KYC verification.
• Anchor Gold reserves the right to conduct AML monitoring.
• Anchor Gold reserves the right to apply sanctions screening.
• Anchor Gold reserves the right to monitor suspicious activity.
• Anchor Gold reserves the right to comply with lawful reporting obligations.

9. LIMITATION OF LIABILITY

• Anchor Gold shall not be liable for market fluctuations.
• Anchor Gold shall not be liable for regulatory changes.
• Anchor Gold shall not be liable for service interruptions.
• Anchor Gold shall not be liable for third-party failures.
• Anchor Gold shall not be liable for third-party infrastructure disruptions.
• Anchor Gold shall not be liable for operational delays.
• Anchor Gold shall not be liable for digital infrastructure risks.
• Anchor Gold shall not be liable for force majeure events.

10. MODIFICATIONS

Anchor Gold reserves the right to modify platform structures, ecosystem integrations, services, policies, fees, and operational procedures at any time subject to applicable law.