Terms and Conditions

Applicability of these Terms

‍These terms and conditions apply to the use of the www.christchurchgold.co.nz website and each of its sub-domains (the "website"). The term "website", as used in these terms and conditions, also includes any other websites owned by Christchurch Gold that link to these terms. We may update these terms and conditions at any time by posting changes online.

We use the phrase "these terms" to encompass all of these terms and conditions, including any changes. Please read these terms carefully before using the website. By using the website, you agree to be bound by these terms. If you do not accept these terms, you should not use the website.

In these terms:

"You" means the individual accessing or using the website, and "your" has the corresponding meaning.

"We" means Christchurch Gold, its related entities, successors, and assignees. "Our" and "us" have corresponding meanings.

Please note that additional terms may apply to specific products, services, or online tools provided through the website. If the website refers to additional terms for a particular product or tool, you must read these terms along with the additional terms. If there is any inconsistency between these terms and the product or tool-specific terms, the latter will prevail.

‍Intellectual Property Rights
‍We hold all copyright and other intellectual property rights in the website and all its content, except where content is identified as belonging to another party. You may reproduce (electronically or in print) and use our content solely for personal use. For all other uses, you must obtain our written consent beforehand. If you wish to use third-party content identified on the website, you must first obtain consent from the relevant owner. This includes content on websites linked from ours.

‍Accessing the Website and its Content
‍The website and its content are provided on an "as is" and "as available" basis. We reserve the right to modify or withdraw the website at any time without notice and do not guarantee continuous availability. The content on the website is sourced from various parties and may change without notice. While we strive for accuracy, we do not guarantee the content's reliability, accuracy, or suitability for your specific needs. Before relying on any information on the website, seek independent professional advice.

‍Hypertext Links
‍The website may include hypertext links to other websites not operated by us, provided for your convenience only. We do not investigate or monitor these external websites and are not responsible for their content. Such links do not imply our endorsement.
You may link to our website from your site if you own it. Such links must not imply any association, endorsement, or affiliation by us with your site or products. Our name and logos must not be used without our written consent. By linking to our website, you indemnify us from all losses arising directly or indirectly from such links.

‍Your Use of the Website

‍We may occasionally restrict access to parts of the website to registered users. If provided with identification codes or passwords upon registration, you must keep these confidential and not disclose them to others.

You agree to use the website in compliance with applicable laws, respecting the rights of others, and without restricting their enjoyment of the website. Specifically, you must not:

Damage the website or any connected systems. Introduce harmful content or code. Upload or transmit illegal, obscene, defamatory, threatening, privacy-invasive, or objectionable content.

When uploading content or contacting other users through the website, you:

Agree we may use, copy, distribute, or disclose such content.
Warrant ownership of intellectual property rights in such content.
We do not monitor comments or content posted to the website but may suspend or terminate your access if these terms are breached. You indemnify us against all losses arising from your breach of these terms.

‍Our Liability
‍We will not be liable for any loss or damage (direct or indirect) resulting from your use or reliance on the website or linked websites. We also exclude any implied warranties or conditions to the extent permitted by law.

‍Ordering and/or Purchasing Products on our Website
‍For terms and conditions related to online purchases, please see our separate Online Ordering Terms & Conditions.

‍Currency Conversion
‍Christchurch Gold cannot guarantee the accuracy of currency exchange rates displayed. You should verify current exchange rates before conducting any transactions affected by currency fluctuations. All prices shown in foreign currencies are informational only and subject to change. Payments must be made in New Zealand dollars.

Security
‍Information transmitted via the internet is inherently insecure, but we have robust measures to protect collected information, including secure servers, encryption technology, secure passwords, and other security procedures.

You must:
Prevent unauthorized access or misuse of your computer system or passwords.
Ensure your systems are free from viruses and corruption.

‍Privacy Statement

‍We may collect personal information through the website for purposes including:
Providing products and services.
Registration and use of online tools.
Evaluating job applications.
Handling posted content or transmitted messages.

Personal information collected will only be used for its intended purpose, such as website administration, product improvement, identity verification, or specific purposes outlined on the website. We may collect or disclose personal information as permitted by law, including the Privacy Act 1993. We may also inform you about our products unless you request otherwise.

We securely handle personal data and will not disclose it to third parties without your consent, unless legally required. Breaches of these terms or applicable law may result in us disclosing personal information to facilitate legal action.
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We record site visits using cookies for site analysis (number of visitors, page views, navigation patterns). Cookies do not gather personally identifiable information or track individual user activity across other websites.

To check or correct your information, please contact us at support@christchurchgold.co.nz. Published email addresses on our website do not imply consent for unsolicited emails. Such communications must comply with the Unsolicited Electronic Messages Act 2007.

‍Governing Law
‍The website and these terms are governed by New Zealand law. By accessing the website, you submit to the exclusive jurisdiction of New Zealand courts.

‍Online Ordering Terms & Conditions
‍Occasionally, we may offer products for sale via our website. Information provided on the website does not constitute an offer outside of New Zealand.

Our online ordering service is an automated system to process orders placed with Christchurch Gold. While we strive to fulfill all orders, we cannot guarantee product availability at all times. Although we endeavour to maintain accurate and current product descriptions and pricing, we reserve the right to adjust the actual price if incorrect prices are displayed.

Prices and product details may be updated at any time without prior notice.

When purchasing products for business purposes, you acknowledge that the Consumer Guarantees Act 1993 does not apply. Ownership of all products supplied remains with Christchurch Gold until full payment is received. Risk of loss or damage to the products passes to you upon delivery.

‍Delivery of Products: We aim to dispatch customer orders within five business days from receiving the order. Delivery charges will be applicable at the rates current at the time of dispatch.

‍Duties and Taxes: Many international destinations impose duties and/or taxes on imported goods, whether the items are personal or commercial. Any duties or taxes incurred are payable by the recipient, and items may be held by the customs authority until payment is made. Customers are advised to check with the relevant customs authorities of their destination country for specific details. Information is also accessible via the New Zealand Customs website.

‍Return of Products: If you are not entirely satisfied with your purchase, you may return the product within 14 days of receipt, excluding custom-made items. You can choose either a replacement product or a refund of the purchase price (excluding shipping charges). Except for refunding or crediting the purchase price of any product we cannot supply or a returned product under the above conditions, Christchurch Gold will not, to the maximum extent permitted by law, be liable for any loss or damage (direct, indirect, or consequential, including lost profits) arising from the use of our online ordering service, or any delays or failures in providing the ordered products or service.

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Website & Services

Our Website and Services utilise real-time third-party data feeds to display Product pricing. The Website also contains key details about Products and related Services, including stock availability (held by us and/or accessible via mint suppliers), indicative timeframes for collection and dispatch (including possible delays), the Market Window, and full specification information.

‍Real-time pricing: Prices shown are updated dynamically and may change based on live market activity. All prices on the Website are indicative only and are not confirmed until a Confirmed Order is created. A Confirmed Order is only established once full payment is received within the designated Purchase Window. Listed prices exclude shipping, processing, and any other applicable fees.

‍Inventory availability: The Website indicates the availability of each Product, including what is physically in stock, available via supplier order, or subject to delay. These availability indicators are not guaranteed and may fluctuate at any time due to sales activity or third-party changes. Fulfilment and dispatch depend on confirmed availability at the time payment is received.

‍Market Window: Online Orders can only be submitted during the specified Market Window, which varies between Products. Some Products are available 24/7; others have limited trading hours. Outside the Market Window, Products will be labelled ‘Market Closed’ and cannot be purchased online during that time.

Please ensure you carefully review all Website information for your selected Products before placing an Online Order. If you are unsure, contact us directly at support@chchgold.co.nz.

‍Accuracy: We aim to maintain accurate and reliable information across our Website and Services. However, unintentional errors or inconsistencies may occasionally occur. If any such issue arises, we may take corrective action—including cancelling affected Online Orders and issuing a full refund for any affected Confirmed Orders—while complying with your rights under applicable law, including the CGA or FTA. Information provided by our Website chatbot is for general assistance only and must be verified directly with our staff before being relied upon.

Submitting an Online Order does not guarantee immediate dispatch or collection of Products. Christchurch Gold sources Products from multiple suppliers on a non-exclusive basis. If we can only fulfil part of your Confirmed Order, we will notify you and offer either partial delivery or dispatch of the entire Order once all Product is available.
Orders are processed in the order they are confirmed, on a fair dealing basis, with Product allocated accordingly.

We reserve the right to temporarily suspend Website Services, including the Market Window and Online Orders, without notice if necessary—for example, due to data feed issues, software faults, malicious activity, or other operational disruptions.

‍Online Orders
‍You may only place Online Orders from a verified Christchurch Gold account and during an open Market Window.
Adding Products to your cart or initiating an Online Order does not reserve or secure stock. Stock is only allocated upon payment confirmation within the Purchase Window.
Each Online Order allows two payment methods:

‍Bank deposit: Pay to the Christchurch Gold bank account as shown on your invoice; or

Online gateway: Pay securely via our Website using our authorised third-party processor.

Once the Order is submitted, you will receive either an invoice or be redirected to the payment gateway. The price is locked for 30 minutes (the “Purchase Window”). If full payment is not received in our account within this timeframe, we may cancel or re-price your Order at our discretion.
To complete the Order, you must:
Pay the full amount listed within the Purchase Window; and

Where paying by bank deposit, email verified proof of payment to support@chchgold.co.nz.

Once payment is received in full, your Online Order becomes a Confirmed Order. Orders paid via the payment gateway become Confirmed automatically upon successful processing.
Until a Confirmed Order is created, all prices remain indicative and not guaranteed. Dispatch and collection are likewise not guaranteed until payment has been completed.

‍Security and AML conditions:
Christchurch Gold reserves the right to cancel or refund any Online Order if, in our sole discretion, the transaction does not meet our internal risk, identity verification, or Anti-Money Laundering (AML) compliance standards. This may include—but is not limited to—situations where we suspect attempted fraud, identity mismatch, unusual transaction behaviour, or activity inconsistent with the source of funds or purpose of purchase. If your payment is refunded for these reasons, we are under no obligation to provide further detail but will notify you promptly.

You acknowledge that all Online Orders and sales are deemed to occur in New Zealand. On confirmation and payment, legal possession of the Product is deemed to transfer to you within New Zealand, even if delivery is to occur later or to a different country.
You must have legal capacity and proper authority to place an Order. If acting for a business, you warrant that you are authorised to bind that business to the transaction. We may delay or cancel Confirmed Orders if:

There are technical issues beyond our control;

There are legal reasons, such as requests from law enforcement;

The Order is suspected to be connected to unlawful activity.

‍Sale of Product
‍If you wish to sell bullion or other Products to Christchurch Gold, you must first contact us using one of the following methods: By phone, using the contact number listed on our Website;

By submitting an enquiry via the Website’s contact form;

By email or live chat using the contact details provided on the Website.

Once your enquiry is received, we will contact you to discuss the details of the potential transaction. If both parties agree to proceed, we will provide a Purchase Confirmation Form that outlines the agreed terms, including the description of the Product, proposed pricing, payment method, and delivery or drop-off process.No binding contract is formed until:You have signed and returned the completed Purchase Confirmation Form to us in the manner specified; and

We have completed and approved identity verification checks in accordance with our legal obligations, including Anti-Money Laundering (AML) and Countering Financing of Terrorism (CFT) requirements.

We reserve the right to request identification documents and other supporting information as part of this verification process. The form and timing of identity verification will be determined by Christchurch Gold and must be completed to our full satisfaction before any purchase can be finalised. Christchurch Gold may, at its sole discretion, refuse to complete a purchase where: You fail to meet our identity verification standards;

The origin or nature of the goods raises concerns under AML/CFT obligations;

The transaction does not align with our internal risk management or compliance policies; or

We are unable to verify ownership or authenticity of the Product to our satisfaction.

In any such case, we may elect not to proceed with the transaction, and no payment will be made. If physical Product has already been provided to us, it will be returned to you (unless otherwise required by law or withheld pending investigation). Pricing offered in the Purchase Confirmation Form is subject to market conditions and may be time-limited. Unless otherwise agreed in writing, the price offered is valid only at the time the form is issued and may not be reoffered at a later time. Final settlement and payment will only occur once the Product has been received, verified, and accepted by Christchurch Gold, and all compliance checks have been satisfactorily completed. You confirm that you have the legal right to sell the Product and that the Product is not subject to any lien, charge, encumbrance, or third-party claim. If you are acting on behalf of another person or entity, you confirm you have full legal authority to do so. All sales to Christchurch Gold are deemed to take place in New Zealand and are governed by New Zealand law. We will not be liable for any loss, cost, or delay arising from non-compliance with the requirements above or any breach of applicable law by you.


Website Use
‍You agree to use the Christchurch Gold website and its associated Services only for lawful purposes and in accordance with these Terms. We make reasonable efforts to ensure that all information provided on our Website is accurate and current; however, we do not guarantee the completeness or accuracy of such content. All material provided is for general information purposes only and does not constitute legal, financial, or investment advice. We reserve the right to change, suspend, or discontinue any part of our Website, including features, content, or product listings, at any time and without notice.

You must not use our Website to:
Transmit or upload any harmful code, malware, or disruptive content;
Engage in any activity that disrupts or impairs the functionality of the Website;
Misrepresent your identity or authority;
Violate the rights of any other person or entity.

Access to certain parts of our Website may be restricted or subject to verification. We reserve the right to suspend or block your access if we believe that your use of the Website breaches these Terms or any applicable laws.

Risk, Payment & Delivery

Acknowledgement of Risk
Christchurch Gold is a business specialising in the purchase and sale of precious metals, collectable coins, and related services. We are not a financial adviser or registered financial services provider. You acknowledge that we do not provide financial advice or issue regulated financial products. No disclosure documents (as defined under the Financial Markets Conduct Act 2013, the Financial Advisers Act 2008, or any similar legislation) have been or will be prepared in relation to our Services, Website, or Products.

‍Precious Metals
You acknowledge that gold, silver, and other precious metals are subject to volatile and rapidly changing global markets. Prices may rise or fall sharply with little or no warning. Accordingly, the buying, selling, or holding of such Products carries inherent risks. Before engaging in any transaction, you should carefully assess your financial circumstances and risk tolerance. Independent financial advice is strongly recommended if you are uncertain about the suitability of such transactions.

‍Agency Appointment
You appoint Christchurch Gold, and Christchurch Gold accepts the appointment, to act solely as your agent for the limited purpose of purchasing Products on your behalf via our Website or Services, subject to the terms set out herein.

‍Terms of Payment
‍You must pay all amounts due in full and without deduction or set-off. You are responsible for any applicable taxes, customs duties, or import tariffs arising from international shipments of Products. Invoices may be sent electronically to your nominated email address. If you provide proof of payment but fail to meet payment obligations within the timeframe stated on the invoice or within the designated Purchase Window, all amounts owing become immediately due and payable. Interest on overdue amounts accrues daily from the due date until full payment is received, at a rate of 2% above the current overdraft rate of our primary trading bank. This charge represents a fair pre-estimate of our loss and is not a penalty. We reserve the right to recover from you all costs incurred in recovering overdue amounts, including legal fees (on a solicitor-client basis) and third-party debt collection costs. Where a Purchase Confirmation Form is issued, all payments must be made in accordance with the terms specified therein. Refunds: We reserve the right to cancel and fully refund any online payment or purchase if, in our sole discretion, the transaction fails to meet our internal security protocols, fraud screening procedures, or Anti-Money Laundering (AML) policies. In such cases, we are not obligated to provide further justification. Refunds under these circumstances will be processed using the original payment method unless otherwise agreed. Payments will be made to you by direct credit to your nominated bank account or, where appropriate, by cheque (collected in person or sent via post).

‍Delivery
‍Products may be collected from our premises or delivered as agreed. Collection times will be communicated once your Confirmed Order is ready. Delivery dates listed on our Website are indicative only and subject to change. We accept no liability for delays in availability or delivery, and you agree not to hold us responsible for any losses caused by such delays. Deliveries may be made in instalments. Where Products are supplied “in trade,” we may cancel remaining deliveries without prejudice to recovering payment for Products already dispatched.

‍Ownership and Risk
‍Title and risk transfer as follows:

Click & Collect: Risk and ownership transfer to you once you collect the Product in person.

NZ Post Parcel Collection / Gold Safe Delivery: Title and risk transfer to you when you sign for and collect the Product from the designated location.

Secure Courier Service: Title and risk transfer to you upon signature confirming delivery to your nominated address.

If you redirect delivery from a designated NZ Post location to another address, you assume full risk upon redirection. If you instruct us to deliver with “Authority to Leave” or similar terms where no signature is obtained, you acknowledge that risk and title transfer to you once the Product is delivered to the nominated location. We recommend insurance coverage for such deliveries. If you choose not to use a Secure Courier Service (e.g. uninsured or non-signature delivery), risk and title transfer once the Product leaves our possession. For in-person collection, we may request photo ID. We reserve the right to withhold delivery if we are not satisfied with the identity of the person collecting the Product.


‍For Products Sold to Us
‍If you are selling Product to us:
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You must send it via insured courier, with signature required.
Risk remains with you until our authorised personnel sign for the delivery.
Title transfers to us upon payment as outlined in your Purchase Confirmation Form.

If we decline to proceed with the purchase, we will return the Product to you either in person or via insured courier. Risk in returned Product transfers to you upon delivery to the nominated address or collection depot. Christchurch Gold accepts no liability for loss or damage after the point of delivery.


‍Consumer Guarantees
‍If you are acquiring Products from us for the purpose of a business, as defined by the Consumer Guarantees Act 1993 (CGA), you agree that the provisions of the CGA do not apply. If you are acquiring Products as a consumer (i.e. not “in trade”), then nothing in these Terms affects your rights under the CGA. In that case, you are entitled to guarantees under New Zealand law, including guarantees that goods are of acceptable quality and fit for purpose. However, due to the nature of the Products (e.g. bullion, precious metals, or collectable coins), the market value may vary significantly over time and is not protected by price guarantees, refunds for price drops, or a return policy due to buyer’s remorse.

‍Warranties
‍Except to the extent required by law, we make no warranties or representations (express or implied) in relation to:

The accuracy or completeness of any information on our Website;
The performance, fitness for purpose, or market value of any Product;
The availability of Products at a particular time or date;
Any result from using our Services or Products.
Christchurch Gold excludes all liability for any losses, costs, damages, or claims arising from your use of our Website or Services, except as required by law.


Intellectual Property
‍All intellectual property rights in the Christchurch Gold Website, including but not limited to content, design, graphics, logos, trademarks, product descriptions, layouts, and underlying code, are owned by or licensed to Christchurch Gold. These rights are protected under New Zealand and international copyright, trademark, and other intellectual property laws. You may view and interact with the Website for your personal, non-commercial use. However, you may not copy, reproduce, distribute, modify, display, perform, republish, upload, or transmit any part of the Website in any form or by any means without our prior written consent. Nothing in these Terms grants you any licence or right to use any trademark, logo, or other intellectual property of Christchurch Gold without express permission. You agree not to use, modify, or reverse-engineer any part of the Website for the purposes of competing with us or creating derivative works, services, or databases based on our content.


‍Privacy
‍Christchurch Gold respects your privacy and complies with the New Zealand Privacy Act 2020.We collect personal information from you when you engage with us, including when you use our Website, place an order, submit a form, or contact our support team. This may include your name, contact information, identification documents, billing or payment details, and other relevant information required to provide our Products and Services. Your personal information may be used for the following purposes: To process transactions and deliver Products;

To verify your identity and comply with our legal obligations, including Anti-Money Laundering (AML) and Countering Financing of Terrorism (CFT) obligations;

To contact you regarding your order or enquiry;

To improve our services and Website functionality;

For security, fraud prevention, and internal record-keeping.

We do not sell your personal information to third parties. However, we may share your information with trusted service providers (e.g. courier companies, payment processors, legal or compliance advisers) where necessary to fulfil your order or comply with legal requirements. We store your information securely and take reasonable steps to protect it from misuse, interference, and unauthorised access. You may request access to or correction of your personal information by contacting us at:
📧 support@christchurchgold.co.nz. By using our Website or Services, you consent to our collection and use of your personal information in accordance with this Privacy section.

‍Liability
‍To the maximum extent permitted by law, Christchurch Gold disclaims all liability for any loss, damage, cost, or expense (including indirect, consequential, or economic loss) arising from:
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Your use of the Website or reliance on any content or material available on it;
Any delay, failure, or error in processing an order;
Price fluctuations in the precious metals market;
Delivery issues or delays, including loss or damage in transit, where risk has passed in accordance with these Terms;
Any act or omission by you, including providing incorrect or incomplete information;
Any breach of these Terms by you.
If, despite the above, we are found to be liable to you, our total liability (whether in contract, tort, negligence, or otherwise) is limited to the lesser of: The amount paid by you for the relevant Product or Service or NZD $1,000.

This limitation does not affect your rights under the Consumer Guarantees Act 1993 where applicable and not excluded by agreement.


‍Force Majeure
‍We will not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to:

Natural disasters or extreme weather;
Pandemic or public health emergency;
Government restrictions, laws, or regulations;
Labour strikes or industrial disputes;
Power outages or telecommunications failure;
Transportation or courier delays;
Market disruptions or volatility;
Cyberattacks or technical failures.

In such circumstances, we may cancel or delay any order or delivery without liability to you. If we are unable to perform our obligations due to a force majeure event for more than 30 days, either party may cancel the affected order by written notice.


‍General Provisions
Governing Law:
These Terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

Severability: If any part of these Terms is found to be invalid or unenforceable, that part will be severed, and the remainder will continue in full force and effect.

Waiver: Our failure to enforce any right or provision under these Terms will not constitute a waiver of such right or provision unless expressly stated in writing.

Amendments: We may update or amend these Terms at any time. Changes will be effective upon publication on our Website. Continued use of the Website or Services after changes are made constitutes your acceptance of the updated Terms.

Entire Agreement: These Terms, along with any Purchase Confirmation or invoice, constitute the entire agreement between you and Christchurch Gold in relation to the purchase of Products and use of the Website, superseding any prior agreements, communications, or understandings.