The “Company” means HKKO GOLD is a limited liability company incorporated under the laws of the Ghana, having its registered office at Address: Plot 81 Adjiringanor, East Legon – Trasacco Road, Accra -Ghana, duly represented herein by Mr Kofi Keyertwie Opoku, as it’s Director. The “Website” shall mean the Internet website operated by the Company accessible at HKKOGOLD.com. The “Client” shall mean an adult natural person and or an entity who/which registers on the Website and who places an order for physical GOLD. The “Bars” shall mean whenever used generically GOLD bars sold by the Company HKKO GOLD to the Client. Any reference to the masculine contained herein shall be construed as including a reference to the feminine.


These General Terms and Conditions (hereinafter the GTCs) shall govern all relations between the parties and allow the creation of a client’s account for purchasing of precious metals, and apply to any and all transactions between the client and HKKO GOLD for purchasing. The Company HKKO GOLD reserves the right to modify the GTCs at any time, the changes of which shall become immediately applicable, as soon as they are posted on the Website. By continuing to access or to use the Website Client is deemed to have accepted the changes to the GTCs. The sales prices shown on our website are not to be interpreted as mandatory contractual obligations, but rather as bids from clients. You can make a change to your order anytime by clicking on “Cart”. When sending your order by clicking on “Place My Order”, you are submitting a mandatory contractual offer. If we do accept this offer, we will send you an order confirmation by e-mail. This order confirmation will be sent immediately or as soon as possible, within 48 hours following reception of your order. Upon receipt of the invoice amount, you will be notified and sent a payment confirmation. Payment conditions are determined by website. We reserve the right to revoke our order confirmation if either our internet presentation and/or our order confirmation should contain some errors or be incomplete, which could be to our disadvantage regarding the contract (e.g. differences in actual market prices resulting from incorrect data processing, notably). In such a case, we shall revoke the order within one week from discovering the error – by e-mail – and immediately reimburse you the amount you paid, including fees. Our legal rights, notably of contestation of the contract due to an error, remain.


The object of the contract is the purchasing of precious metals by the client from HKKO GOLD and their insurance.


Due to the unpredictable nature of commodity markets the buying or selling commodity products such as the Bars comprises a high degree of risk and might not be suitable for everyone. The Client declares that he/she has read and understood these GTCs and is aware of the nature and extent of his/her rights and risks when purchasing such products.


The Company HKKO GOLD guarantees that: * Each bar has a minimum fine purity of 900.9-1000.


HKKO GOLD shall make its best efforts to ensure that the Bars are properly and adequately insured against theft and damage, in accordance with the insurance standards accepted by the physical precious metals industry, with the exception of the cases of terrorism and civil war. The premium for such insurance is included in the fees paid to HKKO GOLD for the proper care of the Bars purchased.


The Bars are provided to the client at spot price at the date of purchase by FDR CAPITAL LTD plus a buying commission. The Bars are sold at the spot price at the date of sale less a sale commission. Once the purchasing price proposed by HKKOGold.com is validated by the client, there is no more risk of change – the price remains fixed and will not change during the delivery process. HKKO GOLD proceeds with the sale of precious metals to the client at the price agreed upon and validated. Once the transaction is made, the client will receive notification by e-mail. The invoice will be accessible via the member account. HKKO GOLD however reserves the right to share with the Client any un-foreseen expenses evolution (for reasons beyond its control) such as increased customs charges and other similar unforeseen cost increases. It is being clearly stated that should the Client withdraw at any time prior to the delivery of the Bars to his/her designated address or Airport, Client shall in no manner be entitled to any proportionate reduction in any manner of the cost and fees.


The purchasing price (invoice amount) shall strictly be paid in advance. The invoice amount needs to be paid without delay by wire transfer and has to be credited to our banking account within three (3) days from the order confirmation date. Otherwise, we reserve the right to terminate the contract, even without having allowed you any additional delay (fixed-terms sale). Any and all other legal claims, notably in regard to the purchasing price, default interest and/or damages, shall be deemed un-applicable. In case of late payment or non-payment, our right to damages shall be, at a minimum, equivalent to the price variation occurring in the meantime for the products on the financial market. We reserve full ownership of the shipped merchandise until reception of full payment of the delivery invoice. Payment by the Client to the Company may only be effected by wire transfer (directly to the Company’s bank account). Payment may be made in US dollars.
HKKO GOLD shall inform the Client once funds have been received and shall then proceed with the transaction. Once the transaction is executed, HKKO GOLD shall reimburse the Client by wire transfer to the Client’s bank account, any positive balance remaining in HKKO GOLD’s account for that particular Client within forty-eight (48) hours following the execution of the transaction.


The Client is solely responsible for the payment of any taxes or any other similar fiscal obligations for which the Client may be liable in any jurisdiction of residency with respect to the acquisition of the Bars. Such taxes may be added to the selling price if necessary. The services provided by and invoiced by HKKO GOLD to the Client shall be VAT excluded in Ghana. The Client declares and warrants that he/she has taken tax and legal advice in all relevant jurisdictions with regard to the purchase of the Bars.



The role of the Company is limited to that of executing the instructions received from the Client. The Company does not advise the Client on the purchase of GOLD and Client is encouraged to seek proper advice from licensed financial advisors. The Company does not have the competence to and cannot guarantee that the Client will realize any capital gain upon the eventual resale of the Bars purchased. The Company may in no way be liable in case of telecommunication means failure, whether the failure be due to the server hosting the Website, or any other website, non-receipt of emails, photocopies or letters sent by the Client. All data accessible from the Website is posted for indication purposes and is not to be taken as a substitute for the information issued by official bodies. The Company assumes no liability for delays or failures in the performance of its obligations if such delay or failure is due to unforeseen events beyond its control and which are deemed to constitute force majeure. Such causes that might terminate or suspend the obligations of the Company for reasons due to Force Majeure, include inter alia, Acts of God, floods, lightning, fire, earthquakes, labor disputes, shortages, rationing, energy failure, war, terrorism, riots, embargoes, governmental actions, accidents affecting the production products, total or partial stoppage of supply, failure of the carrier, insurrections, energy suspensions, machinery breakdown, total or partial strike, administrative decisions, epidemics, explosions, third party actions, and any external event that is likely to delay, prevent or make prohibitively expensive the implementation of the Company’s commitments and obligations. The occurrence of an event constituting force majeure shall be immediately notified to the Client.


The Client will abstain from making any operation, through the intermediary of the Company that could be construed as money laundering and declares that the remittance of all and any funds which have been or which at any time in the future may be remitted for the account of the Company does not and will not constitute a money laundering offence, as defined in the Proceeds of Crime Act 2002 (POCA) and The Money Laundering and Terrorist Financing (Amendment) Regulations 2019 (MLR 2019), and that the funds are not of illicit origin or otherwise derived from any criminal activity. The Client hereby guarantees that the funds used for the transaction have been duly declared to the fiscal authorities of his/her country of residence and/or citizenship.
The Client will not be permitted to purchase precious metals using a bank transfer from a third-party account. For this purpose, any User who wishes to buy precious metals from HKKO GOLD must provide a copy of his passport and a proof of address.


There is no statutory right to return or cancel an order once placed under the Financial Services (Distance Marketing) Regulations 2004. The goods and services we supply are dependent on fluctuations in financial markets. You can however request that we terminate an order you have placed in some circumstances. If you do choose to terminate an order prior to dispatch / collection you will be charged for any fall in the underlying metal price for the goods from when the order was placed to when it was terminated, along with a termination fee.



The GTCs and the legal relations resulting from their acceptance shall in all respects be governed by and interpreted in accordance with the laws of the United Kingdom (UK). Any dispute, controversy or claim arising out of or relating to the GTCs, or the breach, termination or invalidity thereof, shall be settled by arbitration in accordance with the International Arbitration Rules of the International Centre for Dispute Resolution. The number of arbitrators shall be one. The place of arbitration shall be the United Kingdom (UK). The language to be used in the arbitral proceedings shall be English.