Payment Process

Transparent Pricing. Client Authorization. Secure Transactions.

Black & Gold provides personalized precious metals acquisition services rather than conventional online bullion sales.

Our payment process is designed to ensure that clients understand the products they are acquiring, the complete cost of the transaction, and the payment requirements before any acquisition is executed.

1. Consultation and Initial Payment

Every precious metals acquisition begins with a private consultation.

The consultation fee is $100, payable in advance when scheduling your appointment.

This fee is credited toward your first qualifying precious metals acquisition.

Our standard minimum acquisition is $2,000. Clients may schedule a consultation even if they are not yet prepared to make a purchase.

2. Acquisition Pricing and Written Summary

Following your consultation and product selection, Black & Gold provides a written acquisition summary identifying the products and costs associated with your proposed transaction.

Depending on the acquisition, this summary may include:

• Precious metal type, product, weight, purity, and quantity
• Current spot price and dealer acquisition price
• Applicable product premiums
• Shipping and insurance costs
• Black & Gold brokerage fee
• Consultation fee credit, when applicable
• Total payment required
• Cost per ounce

No acquisition will be executed without your authorization.

Because precious metals prices fluctuate throughout the trading day, quoted prices may be valid for only a limited period. Prices and product availability must be reconfirmed when necessary.

3. Brokerage Fee Schedule

Black & Gold charges a separately disclosed brokerage fee based on a progressive fee structure.

Each percentage applies only to the portion of the acquisition within that tier.

For example, a $20,000 acquisition carries a total brokerage fee of $650, before any applicable consultation credit.

Our brokerage fee compensates Black & Gold for consultation, product sourcing, price comparison, acquisition coordination, documentation, shipping oversight, and continuing liquidity guidance.

4. Authorization and Payment Instructions

Once you have reviewed your acquisition summary and agreed to proceed, Black & Gold will provide the applicable payment instructions.

Payment methods, recipient information, payment deadlines, and any transaction-specific requirements will be communicated directly to the client.

Clients should not send acquisition funds before receiving and verifying their transaction-specific payment instructions.

Payments must be made in accordance with the approved acquisition terms. The acquisition will proceed only after the required funds have cleared and the transaction is confirmed.

Payment processing times may vary depending on the financial institution and payment method.

5. Price Changes and Transaction Confirmation

Precious metals prices can change rapidly.

An acquisition proposal does not guarantee a particular market price indefinitely.

If the quoted price expires, product availability changes, or market conditions materially affect the transaction before execution, an updated acquisition summary may be required.

Once a client has authorized a transaction and the acquisition has been executed, cancellation or modification may be restricted because the metals were purchased at prevailing market prices.

Applicable cancellation terms will be communicated before the transaction is finalized.

6. Acquisition, Documentation, and Delivery

Following authorization and cleared payment, Black & Gold coordinates the acquisition of the approved metals through established suppliers.

Physical metals are shipped to the client’s verified delivery address using insured, trackable shipping arrangements.

Clients receive applicable acquisition documentation and shipment information as these become available.

Delivery times depend on product availability, supplier processing, payment clearance, and carrier operations.

7. Taxes and Other Applicable Charges

Clients may be responsible for applicable sales taxes, import duties, tariffs, or other government-imposed charges associated with their transactions.

Any charges that Black & Gold is required to collect will be identified as part of the transaction.

Tax obligations depend on the applicable jurisdiction and individual circumstances. Clients should consult qualified tax professionals when necessary.

8. Security and Transaction Verification

For the protection of clients and the integrity of transactions, Black & Gold may require identity, billing, payment, or delivery-address verification.

Transactions must comply with applicable laws and financial regulations, including relevant sanctions and trade restrictions.

Clients should verify payment instructions directly with Black & Gold before transferring funds, particularly if instructions have changed.

9. Payments for Books and Other Website Products

Payments for books, digital publications, and other products sold directly through BlackandGold.us are processed separately through the website’s applicable checkout system.

The precious metals brokerage process described above does not replace the ordinary checkout procedures for those products.

Questions About Payment?

For questions concerning consultation fees, acquisition pricing, payment instructions, or an existing transaction, contact:

Perry Kyles, PhD

Email: info@blackandgold.us

To begin a precious metals acquisition, visit our Precious Metals Consultation and Acquisition Service page and schedule a private consultation.

Precious metals prices fluctuate and may decline. Black & Gold provides educational information and brokerage-related services, not individualized investment, legal, or tax advice.