A framework for review.
Not an investment offer.

1. Parties

This Agreement is between HKKO Investment Limited, a company incorporated under the laws of the Republic of Ghana and operating as HKKO Gold, and the individual, company, institution, or other legally eligible person accepted by HKKO Gold as the Investor. Each may be called a Party and together the Parties.

2. Purpose of the Agreement

Subject to applicable law, regulatory requirements, and the approved Program structure, the Investor provides capital for HKKO Gold's lawful gold-related commercial activities, including purchasing, aggregation, trading, processing, refining, supply transactions, inventory financing, working capital, export, and related lawful activities.

3. Nature of the Investment

Participation is a contractual financial arrangement. Unless a separate binding instrument states otherwise, the Investor does not acquire shares, ownership, directorship, employment, partnership, voting rights, or day-to-day control in HKKO Investment Limited. Rights are limited to those expressly granted here and in the Investment Participation Schedule.

4. Program Participation

Participation requires completion of the Investor application, KYC verification, AML and sanctions screening, source-of-funds verification, acceptance by HKKO Gold, acceptance of required documents and independently verified settlement through an approved lawful payment arrangement. HKKO GOLD Pay is not active online. HKKO Gold may decline applications where eligibility, compliance, legal, or regulatory requirements are not met.

5. Minimum Investment

Any future minimum investment must be stated in a legally reviewed and commercially approved Schedule. This draft establishes no current minimum or active investment offer.

6. Investment Participation Schedule

Each accepted Investor receives a Schedule forming part of this Agreement. It records the Investor, amount, currency, dates, term, return or distribution, payment frequency, repayment, early withdrawal, reinvestment, fees, taxes, settlement arrangements, and special conditions. It must not conflict with applicable law.

7. Investment Term

Any future approved Schedule must state the term, commencement date and maturity date. This draft establishes no current standard term. No automatic renewal is offered.

8. Investment Return

Any return, distribution, profit participation, interest, or other benefit is stated in the Schedule. It must not be represented as government, SEC, or Bank of Ghana guaranteed, risk-free, or guaranteed by physical gold unless legally accurate and supported by an actual legal guarantee.

9. Investment Funds

No investment funding is accepted through this website. A future program would require approved lawful payment channels, compliance checks and verified allocation to an authoritative investment account. Investors must not transfer Program funds to personal accounts of employees, agents, brokers, or representatives.

10. Source of Funds

The Investor represents that funds are lawfully owned or controlled, derived from lawful sources, not connected to criminal activity, money laundering, terrorist financing, or undisclosed third-party claims, and may lawfully be invested. HKKO Gold may request source-of-funds and source-of-wealth evidence.

11. Use of Investment Capital

Program capital may be combined with HKKO Gold working capital, other Investor capital, commercial revenues, and other lawful business funds. Unless separately agreed, the Investor has no direct ownership of a specific gold bar, parcel, shipment, refinery batch, or transaction.

12. Management of Investment Capital

HKKO Gold determines how Program capital is deployed within approved lawful activities, subject to this Agreement and applicable law, and maintains appropriate Program accounting and transaction records.

13. Principal

Subject to the Schedule, any future principal settlement obligation and lawful payment method must be stated in the executed, approved Schedule. No maturity payment service is active online.

14. Payment of Returns

Any future periodic distribution must be governed by an approved Schedule, lawful payment procedure, KYC/AML requirements and verified settlement. No distribution service or approved return is active online.

15. Early Withdrawal

There is no unconditional right to withdraw principal before maturity unless the Schedule provides otherwise. Permitted early withdrawal may require notice, fees, return adjustments, liquidity availability, compliance checks, and satisfaction of legal requirements.

16. Reinvestment

At maturity, the Investor may withdraw principal, reinvest principal, reinvest principal and an eligible return, or select another HKKO Gold option. Reinvestment is a new arrangement subject to then-current terms.

17. No Automatic Renewal

No investment automatically renews. A new term requires the Investor's affirmative instruction, subject to applicable law.

18. Investment Risks

Participation involves commercial and financial risks, including gold-price volatility, counterparty, liquidity, operational, refining, banking, currency, regulatory, trade, transportation, market, credit, fraud, cybersecurity, business interruption, force majeure, and other business risks. The Investor confirms review of the HKKO Gold Risk Disclosure.

19. No Guarantee of Gold Price

HKKO Gold does not guarantee that gold prices will increase. Prices can rise or fall, and past performance does not guarantee future performance.

20. Business Risk

HKKO Gold's performance may be affected by market conditions, supply, demand, refinery operations, counterparties, banking, policies, regulation, trade restrictions, currency, and unexpected expenses.

21. No Government or Regulatory Guarantee

Unless expressly stated by the relevant authority, the Program is not a government-guaranteed investment, bank deposit, insured deposit, insurance product, Government of Ghana investment, or SEC-guaranteed investment.

22. Regulatory Compliance

HKKO Gold operates the Program only as permitted by Ghanaian law. Where licensing, registration, authorization, approval, a fund manager, trustee, custodian, securities registration, offering document, or another requirement applies, it must be addressed before launch or acceptance of investments.

23. Investor Representations and Warranties

The Investor confirms information is accurate; they have capacity and authority; funds are lawful; they understand risks, the term, and withdrawal provisions; they may obtain independent advice; they do not rely on unauthorized representations; and they will meet KYC, AML, and compliance obligations.

24. HKKO Gold Representations

Subject to law, HKKO Gold represents that it is duly incorporated, will conduct activities lawfully, maintain appropriate records and KYC/AML procedures, communicate material information, and perform contractual obligations. It does not warrant a particular future financial result.

25. KYC, AML and Sanctions

The Investor agrees to applicable KYC, AML, counter-terrorist-financing, and sanctions requirements. HKKO Gold may conduct identity, beneficial ownership, source-of-funds and wealth, sanctions, PEP, monitoring, enhanced due diligence, and other lawful checks; it may suspend or reject transactions where required.

26. HKKO GOLD Pay

HKKO GOLD Pay is a proposed arrangement. Investment deposits, returns, principal repayments, withdrawals, refunds and reinvestment are unavailable online. A future service requires separately approved terms, provider arrangements, limits, verification and financial controls.

27. Taxes

The Investor is responsible for understanding applicable tax obligations. HKKO Gold may deduct or withhold tax where legally required. The Investor should obtain independent tax advice.

28. Data Protection and Confidentiality

HKKO Gold processes information under applicable data-protection laws and its Privacy Policy. Information may be disclosed where legally required or needed by regulators, authorities, law enforcement, banks, providers, auditors, or professional advisers.

29. Investor Reporting

Subject to law and the final Program structure, HKKO Gold may provide information on balances, principal, payments, returns, maturity, transaction history, and other material participation information.

30. Records and Audit

HKKO Gold maintains appropriate financial, contractual, and transaction records. Audit or independent review arrangements are implemented where required.

31. Events of Default

Default may include unremedied payment failure, insolvency, liquidation, unremedied material breach, legal prohibition from performing obligations, or another expressly defined default event. Consequences are determined under this Agreement and Ghanaian law.

32. Investor Default

Investor default may include materially false information, unlawful funds, circumvention of controls, fraud, material breach, or unlawful use. HKKO Gold may take lawful contractual or legal action.

33. Force Majeure

Neither Party is liable for delay or failure beyond reasonable control, including civil unrest, disaster, government action, regulatory restrictions, banking failure, cybersecurity incidents, telecommunications failure, epidemics, pandemics, or transportation disruption.

34. Transfer and Assignment

The Investor may not transfer, assign, pledge, or dispose of rights without HKKO Gold's prior written consent unless the Program expressly permits it. A permitted transfer remains subject to compliance requirements.

35. No Partnership or Agency

This Agreement does not create a partnership, joint venture, employment, agency, or fiduciary relationship except as required by law. The Investor cannot bind HKKO Gold.

36. Notices

Official notices are sent using onboarding contact details. The Investor must promptly update address, telephone, email, banking, identification, and other material account information.

37. Dispute Resolution

The Parties first attempt good-faith negotiation, then may use mediation or arbitration where agreed and lawful. Either Party may seek urgent protective relief from a competent court.

38. Governing Law

This Agreement is governed by the laws of the Republic of Ghana. Subject to a valid arbitration agreement, Ghana courts have jurisdiction over related disputes.

39. Entire Agreement

This Agreement is read with the Schedule, Risk Disclosure, HKKO GOLD Pay Terms and Conditions, AML/KYC Policy, Privacy Policy, Fee Schedule, Payment and Settlement Policy, and incorporated documents.

40. Order of Precedence

In case of conflict, mandatory law and regulation prevail, followed by the executed Schedule, this Agreement, Risk Disclosure, HKKO GOLD Pay Terms and Conditions, and other Program policies.

41. Amendments

Material changes to existing rights or obligations require compliance with this Agreement and applicable law. General website updates do not automatically alter executed contractual terms where legally impermissible.

42. Severability

If a provision is invalid or unenforceable, the remaining provisions remain effective to the fullest extent permitted by law. The provision may be modified where legally possible to achieve its lawful purpose.

43. Electronic Acceptance

A future electronic-acceptance workflow would require legal approval, explicit informed consent and an authoritative acceptance record. This page cannot accept an agreement, collect a signature or authorize an investment.

44. Investor Acknowledgement

In a future approved execution process, an Investor acknowledgment would need to confirm they have read and understood this Agreement and the Risk Disclosure; understand the risks, term, maturity, early withdrawal, Schedule terms, HKKO GOLD Pay channel, lawful-source-of-funds requirement, and non-guaranteed nature of participation; and have had an opportunity to seek independent legal, financial, and tax advice.

46. Execution