2. Our Services

Gold & Silver provides a platform for:

• Selling: Submit your luxury watches and jewelry for evaluation and receive competitive offers
• Buying: Browse and purchase authenticated pre-owned luxury timepieces
• Pawning: Use your luxury items as collateral for short-term loans
• Watch Requests: Request specific watches that are not currently in our inventory

All items listed on our platform are authenticated by certified experts. We reserve the right to refuse any item that does not meet our quality or authenticity standards.

3. Account Registration

To access certain features of our services, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

4. KYC Verification

Before selling or pawning items, you must complete our Know Your Customer (KYC) verification process. This includes:

• Submitting a valid government-issued photo ID
• Providing a selfie for identity verification
• Confirming your personal information

KYC verification is required to comply with legal regulations and ensure secure transactions. Your information is handled in accordance with our Privacy Policy.

5. Selling Items

Submission Process

When submitting items for sale, you must provide accurate descriptions and clear photographs. By submitting an item, you warrant that:

• You have legal ownership or authorization to sell the item
• The item is authentic and not counterfeit
• The item is not stolen, lost, or subject to any claims
• All information provided is accurate and complete

Offers and Acceptance

Offers are based on current market conditions and item evaluation. Offers are typically valid for 48 hours. Acceptance of an offer forms a binding agreement between you and Gold & Silver.

6. Buying Items

Product Information

We strive to provide accurate descriptions and photographs of all items. All watches are authenticated by certified horologists. However, minor variations in condition may exist, and we encourage you to review all provided information before purchasing.

Pricing

All prices are listed in USD unless otherwise stated. Prices are subject to change without notice until a purchase is completed.

7. Pawn Services

Loan Terms

Pawn loans are secured by items held as collateral. Loan terms, including interest rates and repayment periods, will be clearly disclosed before you accept an offer. By accepting a pawn offer, you agree to:

• The stated loan amount and interest rate
• The repayment schedule and due dates
• Forfeit of the item if the loan is not repaid

Item Storage

Pawned items are stored in a secure, insured facility. We take all reasonable precautions to protect your items, but our liability for loss or damage is limited to our insurance coverage.

8. Payments

Payment Methods

We accept payments via Stripe, including major credit cards (Visa, Mastercard, American Express) and debit cards. All payment information is encrypted and processed securely.

Seller Payments

Payments to sellers are processed after item verification. Payment methods and timing will be communicated during the transaction process.

9. Prohibited Activities

You agree not to:

• Submit counterfeit, stolen, or illegally obtained items
• Provide false or misleading information
• Attempt to manipulate prices or interfere with transactions
• Use our services for money laundering or illegal purposes
• Access or attempt to access other users' accounts
• Circumvent security measures or authentication systems
• Copy, modify, or distribute our content without permission
• Engage in any activity that violates applicable laws

Violation of these prohibitions may result in immediate account termination and legal action.

10. Limitation of Liability

To the maximum extent permitted by law, Gold & Silver shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from unauthorized access to your account
• Any amount exceeding the fees paid by you in the preceding 12 months

Our services are provided 'as is' without warranties of any kind, either express or implied.

11. Termination

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false information
• Extended period of inactivity
• Any reason at our sole discretion

Upon termination, your right to use our services ceases immediately. Any pending transactions may be cancelled, and outstanding obligations remain in effect.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified Terms.

For material changes, we will provide notice via email or in-app notification at least 30 days before the changes take effect.