Refunds, Returns & Cancellations

Black & Gold Refund and Cancellation Policy

Black & Gold is committed to transparent transactions, clear communication, and fair treatment of clients.

Because our services include private consultations, precious metals brokerage, physical publications, and digital products, refund and cancellation terms vary according to the nature and status of each transaction.

We encourage clients to review the applicable terms before submitting payment or authorizing an acquisition.

1. Precious Metals Consultations

Private precious metals consultations are scheduled in advance and require a $100 consultation fee.

The consultation fee is credited toward the client’s first qualifying precious metals acquisition.

Clients who need to cancel or reschedule an appointment should contact Black & Gold before the scheduled consultation or use the available booking-system options.

• Rescheduling: Clients may request an alternative appointment, subject to availability.
• Cancellation before the appointment: Refund eligibility is determined by the cancellation terms disclosed when booking.
• Missed appointments: Failure to attend without prior cancellation or rescheduling may result in forfeiture of the consultation fee.
• Cancellation by Black & Gold: If we cannot provide the scheduled consultation, the client may choose to reschedule or receive a refund.

Once a consultation has been completed, the consultation fee is generally nonrefundable, except where required by applicable law.

2. Precious Metals Acquisitions

Black & Gold provides consultation-based precious metals acquisition services rather than conventional online bullion sales.

Before an acquisition is executed, clients receive a written summary of the proposed transaction, including the relevant product details, acquisition costs, brokerage fees, and applicable shipping and insurance charges.

No precious metals acquisition is executed without client authorization.

Because gold, silver, and platinum prices fluctuate continuously, cancellation rights depend on whether the acquisition has already been executed.

Before Acquisition Execution

A client may request cancellation before Black & Gold has executed the authorized purchase with the supplier.

If acquisition funds have already been received, any refund will be calculated after identifying applicable payment-processing charges or documented, nonrecoverable costs that were disclosed and authorized in advance.

If no acquisition has been executed and no such charges apply, the unused acquisition funds will be returned.

After Acquisition Execution

Once the client has authorized the transaction and Black & Gold has executed the acquisition with the supplier, the purchase is generally final.

Completed precious metals transactions are not eligible for ordinary returns or refunds solely because:

• The market price subsequently declines.
• The client changes their acquisition objectives.
• The client decides they no longer wish to hold the metals.
• The client finds a different price elsewhere.

Any applicable cancellation restrictions and potential market-related liabilities must be disclosed before the client authorizes the transaction.

Nothing in this policy limits rights that cannot legally be excluded.

3. Market Losses and Transaction Cancellations

Precious metals are acquired at market-dependent prices. Canceling an executed transaction may expose the supplier or brokerage to financial losses.

Where cancellation is permitted after execution, any applicable market-loss adjustment, supplier cancellation charge, or other cost must be consistent with the terms disclosed and accepted before execution.

Black & Gold does not impose an automatic, undisclosed market-loss penalty.

Any amount owed or refunded will be explained in writing, including the basis for the calculation.

4. Damaged, Incorrect, or Missing Precious Metals

If a client receives an incorrect product, discovers damage, or encounters a delivery discrepancy, the client should contact Black & Gold promptly.

Please retain the original packaging, shipping materials, transaction documentation, and photographs of any visible damage.

Black & Gold will review the circumstances and coordinate with the supplier, carrier, or insurer as appropriate.

Depending on the verified circumstances and applicable rights, a resolution may involve replacement, correction, an insurance claim, or a refund.

Clients should not return precious metals without receiving specific return instructions.

5. Precious Metals Buybacks and Liquidity

A request to sell previously acquired metals is not treated as a refund or reversal of the original acquisition.

Instead, it constitutes a separate potential sale at a newly determined market price.

Whenever practical, Black & Gold assists existing clients with potential buyback transactions through its brokerage service.

Buyback prices depend on current market conditions, product characteristics, authenticity, condition, dealer demand, and available liquidity.

No future buyback price or acceptance of a buyback transaction is guaranteed.

6. Physical Books and Merchandise

Physical books and other merchandise purchased directly through BlackandGold.us are generally final-sale items, except where an item arrives damaged, is incorrectly supplied, or applicable law provides otherwise.

If an order arrives damaged or the wrong item is delivered, customers should contact Black & Gold promptly with their order number, a description of the problem, and supporting photographs where available.

We will review the claim and determine an appropriate remedy, which may include replacement or refund.

Customers should obtain return instructions before shipping merchandise back.

7. Digital Publications and Downloadable Products

Digital books, audiobooks, and other downloadable products are generally nonrefundable once access or delivery has been provided.

If a purchased file is defective, inaccessible, or materially different from its description, customers should contact Black & Gold for assistance.

We will first attempt to resolve the issue through replacement, corrected access, or technical support. A refund may be provided when an appropriate resolution is unavailable or legally required.

8. Refund Processing

Approved refunds will generally be returned through the original payment method when possible.

Processing times depend on the payment provider, banking institution, and nature of the transaction.

Any applicable deductions will be identified in the refund explanation.

Black & Gold will not request that customers provide passwords or other sensitive account credentials to receive a refund.

9. Questions or Refund Requests

For consultation cancellations, acquisition concerns, damaged shipments, or refund inquiries, please contact:

Black & Gold Precious Metals Brokerage

Perry Kyles, PhD

Email: info@blackandgold.us

Please include your name, relevant transaction or appointment details, and a brief explanation of your request.

We are committed to reviewing concerns fairly and communicating clearly throughout the process.

This policy is subject to applicable consumer-protection laws and the specific terms disclosed and accepted for each transaction. Nothing in this policy excludes rights that cannot lawfully be waived.