Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client", "you", "your") and Marcellus Capital Group Limited, trading as Marcellus Bullion ("Company", "we", "our", "us"), a company registered in England and Wales (Company Number: [XXXXXXXX]).

By accessing our website, opening an account, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.

2. Services

Marcellus Bullion provides the following services:

• Sale and purchase of physical precious metals (gold, silver, platinum)
• Secure allocated and segregated storage in LBMA-approved vaults
• Portfolio management and advisory services
• Market research and educational content

The purchase, sale, and holding of physical precious metals are not regulated activities under the Financial Services and Markets Act 2000. Marcellus Bullion is not authorised or regulated by the Financial Conduct Authority (FCA) for these activities.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have full legal capacity to enter into binding contracts
• Not be a resident of a country subject to UK sanctions
• Successfully complete our Know Your Customer (KYC) verification process
• Provide accurate and truthful information

4. Account Registration

To purchase precious metals or use our storage services, you must register for an account and complete our identity verification process. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorised access to your account
• Accept responsibility for all activities that occur under your account

5. Orders and Transactions

5.1 Pricing: Prices for precious metals are based on live spot prices and are subject to change without notice. Quoted prices are valid only at the time of quotation.

5.2 Order Confirmation: An order is not binding until we have issued a written confirmation. We reserve the right to reject any order at our discretion.

5.3 Payment: Full payment must be received before the transfer of ownership of any precious metals. We accept bank transfers and other approved payment methods.

5.4 Delivery: Where physical delivery is requested, title and risk pass to you upon dispatch from our facilities. We are not responsible for delays caused by third-party couriers.

6. Storage Services

6.1 Allocated Storage: Your precious metals are stored on an allocated, segregated basis. This means your specific bars and coins are held separately and identified as your property.

6.2 Insurance: All stored precious metals are fully insured against theft, damage, and loss while in our vaults. Insurance is provided by Lloyd's of London or equivalent insurers.

6.3 Storage Fees: Storage fees are charged as specified in our fee schedule and are subject to change with 30 days' notice.

6.4 Audit: Our vault holdings are subject to regular independent audits. Audit reports are available upon request.

7. Limitation of Liability

To the fullest extent permitted by law:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the value of precious metals held in your account or the value of your most recent transaction, whichever is greater
• We are not liable for any losses arising from market fluctuations in precious metals prices
• We are not liable for delays or failures caused by circumstances beyond our reasonable control (force majeure)

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Marcellus Capital Group Limited or its licensors and is protected by UK and international copyright, trademark, and other intellectual property laws.

9. Termination

We may suspend or terminate your account and access to our services at any time if:

• You breach these Terms
• We are required to do so by law or regulatory requirement
• We reasonably suspect fraudulent or illegal activity
• You fail to pay any amounts due to us

Upon termination, you must arrange for the collection or sale of any precious metals held in storage within 30 days.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Complaints

If you have a complaint about our services, please contact us in writing at complaints@marcellusbullion.com. We will acknowledge your complaint within 5 business days and aim to provide a full response within 8 weeks.

12. Amendments

We reserve the right to amend these Terms at any time. Material changes will be notified to you at least 30 days before they take effect. Your continued use of our services after the effective date constitutes acceptance of the amended Terms.

13. Contact Information