TERMS OF SERVICE

ACCEPTANCE.        Access to and use of this website, including participation in the Crowne Gold Marketplace (the “Exchange”), access to the Crowne Gold program, or delivery of Crowne Mint products, (collectively, “Services”) are subject to the terms and conditions of these Terms of Service and all applicable laws and regulations, including laws and regulations governing copyright and trademark.  By using this Crowne-Gold.com (the “Website”), you agree, without limitation, to be bound by these Terms of Service between you and Crowne‑Gold.com, Inc., a Nevada Corporation (“Crowne Gold”).  If you do not agree to these Terms of Service, you must immediately discontinue your use of this Website.  By using this Website, you also acknowledge that you have read and understand these Terms of Service.  Crowne Gold reserves the right to change these Terms of Service at any time.  You agree in advance to accept any changes.

In addition, when using particular Services, you may be subject to additional terms and any posted guidelines or rules applicable to such services that may be posted from time to time.  All such guidelines or rules are hereby incorporated by reference into these Terms of Service.  If any terms contained in this Terms of Service conflict with any terms contained within such guidelines or rules, or the Additional Terms, then the terms in this Agreement shall control.

UNLAWFUL AND PROHIBITED USE.   Because of the global nature of the Internet, as a condition of your use of the Services, you agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Website, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

You further agree that you will not use the Services for any purpose that is unlawful or prohibited by these Terms of Service or by any law, rule, code, and regulation, or any activity that relates to transactions involving (i) illegal drugs, firearms or related paraphernalia; (ii) terrorism as defined by the USA Patriot Act; (iii) pornography or other sexually oriented materials or activities; (iv) pyramid, ponzi or other illegal investment schemes; or (v) gambling and/or gaming activities, or any other activity that we deem unacceptable in our sole discretion by notice to you or amendment to these Terms of Service.

If we have reason to believe, in our sole discretion, that you are using or intend to use the Exchange or the Services for any purpose that is unlawful or prohibited by these Terms of Service, we may take such action as we deem appropriate to protect us from liability.  Such actions may include, but are not limited to, closing, suspending or limiting access to our Services.  In addition, we may convert any funds or digital gold that we hold on your behalf into physical gold in our sole discretion, and is such event, you agree that our applicable fee schedule will apply to such conversion and that we will have no liability for fluctuations in gold prices that may occur after such conversion.  In the event the Services are used for any unlawful purpose, we reserve the right to notify and cooperate with appropriate authorities as may be required or permitted by law.  We also reserve the right to report any fraudulent or suspicious activity to the appropriate authorities.

COMPLIANCE PROGRAM.  Prior to account opening, we will require you to provide us with such information as we may require to verify your identity (see Notice to Crowne Gold Customers below).  You hereby authorize us, directly or through third parties, to make any inquiries we consider necessary to verify your identity.  This may include asking you to provide identifying information (such as a U.S. driver’s license or passport), asking you for further information and verifying your information against third-party databases or through other sources.  We may choose to refuse to open an account for any person.  In addition, in the event that you send us any funds prior to our verifying your identity, we may hold such funds until we have satisfactorily verified your identity. 

Notice to Crowne Gold Customers

Important Information About Procedures
for Opening a New Account

To assist the United States government in fighting the funding of terrorism and money laundering activities, the U.S. PATRIOT Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: when you open an account, Crowne Gold will ask for your name, address, date of birth and other information that will allow the firm to identify you.  You may also be asked to provide your driver’s license or other identifying documents.

ASSUMPTION OF RISK.  You acknowledge that all investments involve some degree of risk and that you may lose all or a portion of any investment you make.  You assume all risk associated with any investment decision you make.  You represent that you will make any investment or other decision to purchase or sell (or to decline to purchase or sell) precious metals based on your own independent judgment and without reliance upon any such Information found on Crowne-Gold.com.  You acknowledge that precious metals are subject to price fluctuations beyond our control that will affect the price at which you can purchase and sell precious metals through our Services.  Prior to the execution of any purchase or sale of any precious metal, you are advised to consult with your broker or other financial representative to verify pricing information. 

ACCOUNT, PASSWORD, AND SECURITY.  If any of the Services requires you to open an account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form.  You also will choose a password and a user name.  You are entirely responsible for maintaining the confidentiality of your password and account.  Furthermore, you are entirely responsible for any and all activities that occur under your account.  You agree to notify Crowne Gold immediately of any unauthorized use of your account or any other breach of security.  Crowne Gold will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.  However, you could be held liable for losses incurred by Crowne Gold or another party due to someone else using your account or password.  You may not use anyone else's account at any time, without the permission of the account holder.

For authentication purposes, accessing your account may require you to answer a designated security question.  You agree to provide Crowne Gold with current, complete, and accurate information as prompted by the applicable registration process and agree to regularly update this information, through any means not intentionally made available to you by Crowne Gold.

Services provided to you through this Website may involve the electronic transmission, including via any e-mail address you provide to us, of information that you may consider to be personal financial information or promotional marketing materials, and you consent to such transmission.

PURCHASE AND SALE OF GOLD.  You agree to read and accept the procedure for buying or selling gold through us before placing an order, and understand that you are solely responsible to provide valid and accurate information needed to complete orders, including but not limited to including the Order Number assigned when tendering payment.  You understand that failure to adhere to the correct procedure may result in the compromise of your privacy, even if the order can still be fulfilled.  You understand and agree to be bound by Crowne Gold’s fee schedule current and these Terms of Service at the time of each transaction.

To purchase gold using our Services, you must provide funds via wire transfer to an account we designate.  As a general policy, Crown Gold does not accept funds via cash, check or other non-wire methods of payment.  You may not purchase gold through use of a credit or debit card.  We may, at our discretion, impose limits on the amount of funds you can send through our Service. 

On demand, and subject to market and exchange liquidity, we will repurchase gold from you at the current spot price in accordance with the prevailing fee schedule provided that you have not taken physical delivery of your gold and subject to the Exchange’s liquidity.

All physical gold denominated balances as seen on the Website are backed by physical gold in allocated storage, and unallocated gold held on account with firms authorized to transact the purchase and sale of gold through a commodities exchange and/or via recognized physical gold suppliers.  We may change, add, or discontinue particular gold storage facilities at our discretion.

If you sell gold through us, you may withdraw the resulting funds by requesting a wire transfer to your bank account.  You may not withdraw funds by requesting cash, check or other method of payment.  You agree that any such request by you constitutes your authorization to us to make the requested transfer, and once you have provided your authorization for the transfer, you will not be able to cancel the transfer.  We will have no responsibility or liability for any errors in wire transfer information provided by you.

90-DAY WAITING PERIOD.  Crowne Gold imposes limits on customers who purchase physical gold, by requiring a 90-day waiting period before selling the physical gold or exchanging the physical gold into digital gold units.  You acknowledge and consent to this waiting period. 

If you fail to comply with the 90-day waiting period, you agree to forfeit 100% of the appreciation on the physical gold exchanged or 2% of the value at which the physical gold was exchanged; whichever amount is greater.

FEES.  Crowne Gold charges fees for transactions made by customers using the Services provided by this Website.  Crowne Gold reserves the right to assess and collect fees for the Services.  All fees are disclosed on the Website.  In some cases, early withdrawal fees may apply.  We reserve the right to change our fees at any time at our sole discretion and without prior notice.  You agree that it is your sole responsibility to keep apprised of our current fee schedule and any changes thereto. 

DATA, INFORMATION, AND CONTENT.  You acknowledge that neither Crowne Gold nor the Exchange is an investment firm or bank providing for short-term speculation in precious metals or fiat currencies.  The content on this Website is for information, education, and noncommercial purposes only. Although Crowne Gold may provide data, information, and content relating to investment approaches and opportunities to buy or sell precious metals, you should not construe any such information or other content available through this Website or from any Crowne Gold employee as legal or tax advice.  You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any content on this Website before making any decisions based on such content.  In exchange for using the Services offered on this Website, you agree not to hold Crowne Gold or its third-party information providers liable for any possible claim for damages arising from any decision you make based on the content made available to you through this Website.

LIMITED LICENSE.  Permission to use the content available on Crowne-Gold.com is granted, provided that (1) the copyright notice below appears in all copies and that both the copyright notice and this permission notice appear, (2) use of the content available from this Website is for informational and non-commercial or personal use only, and (3) no content available from this Website is modified in any way.  Except for the specified uses, no part of the content available on this Website may be copied, photocopied, reproduced, republished, licensed, distributed, performed, displayed, uploaded, posted, translated, altered, retransmitted, broadcast in any way, exploited, used to create derivative works, or reduced to any electronic medium or machine-readable form, in whole or in part, without the prior written consent of Crowne Gold or its third-party providers.

LINKS TO THIRD-PARTY SITES.  Crowne Gold.com may contain links to third-party web sites that are not owned or controlled by Crowne Gold.  Crowne Gold has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites.  By using the Website, you expressly relieve Crowne Gold from any and all liability arising from your use of any third-party web site.  Accordingly, we encourage you to be aware when you leave the Website and to read the Terms of Service and Privacy Policy of every other web site that you visit.  Unless we expressly state otherwise, the fact that Crowne Gold has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers.

OFFERS FROM THIRD PARTIES.  We may refer you to third-party brokers who offer exchange services between gold payment systems and for payment in various government issued currencies.  We may allow these third parties to offer you products and services, including offers through our Website or via email.  Whether or not you decide to participate in such an offer is up to you.  Your participation in any of these offers, including payment and delivery of related goods or services and the terms, conditions, warranties or representations associated with such offers, is solely between you and the third-party company.  You agree that Crowne Gold shall not be liable for any costs or damages you may incur resulting from your decision to enter such transactions.

COOKIES.  A cookie is a small data file that certain web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you have visited, but the only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. Some parts of this Web site use cookies to track user traffic patterns. We do this in order to determine the usefulness of Web site information to our users and to see how effective our navigational structure is in helping users reach that information. Crowne Gold does not correlate this information with data about individual users, nor does it share this information or sell it to any third party. If you prefer not to receive cookies, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser. You do not need to have cookies turned on to use any area of this Website.

MERCHANT PROGRAM.  If you are using our Services to receive payment for goods or services offered by you to third parties (persons other than you or Crowne Gold), then the following additional terms apply to you:

·        Payments made by your customers may be made via wire transfer of funds to your Crowne Gold account.  Checks, money orders, credit cards or other methods of payment will not be accepted.  Funds transferred to your Crowne Gold account will be used to acquire gold or gold digital currency per your instructions to us.  Interest will not be paid on funds wired to your account.  Your customers who have Crowne Gold accounts may also pay you gold or gold digital currency through the Exchange, subject to the terms of these Terms of Service.

·        Prior to conducting any transaction in which your customer will use this merchant program, you will verify your customer’s identity by obtaining the customer’s name and address and other identifying information (such as a U.S. driver’s license or passport), and if the customer is a Crowne Gold customer, the customer’s Crowne Gold account number.  You agree to provide us with such information about you and/or your customer as we may request to confirm your compliance with this paragraph.

·        All disputes between you and your customer relating to any transaction will be settled between you and your customer.  Crowne Gold bears no financial responsibility for any such disputed transactions.  In the event Crowne Gold is required to pay or refund any sums to one of your customers for any reason, you agree to be fully liable to Crowne Gold for the amount we paid to your customer, plus any processing fees.  You will pay such sums to Crowne Gold on demand, and you authorize Crowne Gold to offset any such sums from any funds or gold held in your Crowne Gold account.  You also agree to indemnify and hold harmless, and at Crowne Gold’s request, defend Crowne Gold and its affiliates from any and all loss, cost, expense, claim, damage and liability (including attorneys’ fees and costs) arising out of your transaction with your customers or other third parties in connection with the use of our Services or resulting from transactions processed under this merchant program, or any breach by you of the terms of this merchant program.

·        You agree that the goods or services you offer and provide to customers will at all times comply in full with any and all applicable law, rule, code and regulation, and under no circumstances shall you engage in any transaction involving (i) illegal drugs, firearms or related paraphernalia; (ii) terrorism as defined by the US Patriot Act; (iii) pornography or other sexually oriented materials or activities; (iv) pyramid, ponzi or other illegal investment schemes; or (v) gambling and/or gaming activities, or any other activity that we deem unacceptable in our sole discretion by notice to you or amendment to these Terms of Service.  You understand that if you use our Services in contravention of this paragraph, Crowne Gold may incur substantial liability and or suffer significant damages, including without limitation, fines and other related expenses.  By participating in our merchant program, you hereby agree to pay Crowne Gold any and all damages suffered by Crowne Gold.

·        When informing your customer that payment to you may be made through our Services, you shall provide your customers with the following notice:

“If you pay for our goods or services via wire transfer to our Crowne Gold account, please be advised that Crowne Gold merely facilities the processing of your payment for our goods or services and has no responsibility for the goods or services provided.  In the event of any dispute between you and us regarding the goods or services provided, Crowne Gold shall have no liability or responsibility to you.  Further, all wire transfers to Crowne Gold are final and are not subject to refund or repayment to you.” 

The foregoing notice shall be provided to your customers in writing prior to the time of your initial transaction with the customer.  For transactions conducted electronically through your website, notice may be provided by posting on your website.

·        We reserve the right to process a refund to your customer for any wire transfer that we, in our sole discretion, believe to be of a fraudulent nature or transacted in a manner inconsistent with the terms of this Agreement of or in violation of any applicable law, rule, code or regulation.  Applicable fees will apply.

·        You agree that you are fully responsible for and agree to pay any and all taxes and other charge imposed by any governmental authority resulting from your transactions with your customers.

COPYRIGHTS.  Except where indicated, all Information available through Crowne-Gold.com is the exclusive property of Crowne Gold or its licensors and is protected by copyright and intellectual property laws.  All copyrightable text and graphics, the selection, arrangement, and presentation of all materials and the overall design of this web site are Copyright 2008.  All rights reserved.

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall any Information be used in connection with creating, promoting, trading, marketing investment products, or any other commercial service, without the express written consent of Crowne Gold or its licensors.  You are entitled to use the Information for your private, non-commercial use only.

TRADEMARKS.  Crowne-Gold.com, Inc., Crowne Gold, and the Crowne Gold logo are trademarks of Crowne-Gold.com, Inc.  All other Crowne Gold products and proprietary tools are trademarks of Crowne-Gold.com.  All other brands and names are the property of their respective owners.

LIMITATION OF LIABILITY

YOUR USE OF THE WEBSITE IS ENTIRELY AT YOUR SOLE RISK.  NEITHER CROWNE GOLD NOR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE WEBSITE, MATERIALS OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS WEBSITE, EVEN IF CROWNE GOLD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.  TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF CROWNE GOLD AND ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.

INDEMNIFICATION.  You shall indemnify and hold harmless, and at Crowne Gold's request, defend Crowne Gold and its affiliates, as well as the respective directors, officers, shareholders, employees, agents and owners (each, an “Indemnified Party”) from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses (including reasonable attorneys' fees, an allocation for in-house counsel, and other legal costs) arising out of your acts or omissions, including claims resulting from your use of the Website, your submission, posting or transmission of information or content, or any breach of your obligations set forth in this Agreement. You shall reimburse each Indemnified Party on demand for any costs, expenses and liabilities incurred by such Indemnified Party to which this indemnity relates.

ENTIRE AGREEMENT.  The Terms of Service together with the Privacy Policy and any other legal notices, including the Additional Terms, published by Crowne-Gold.com, shall constitute the entire agreement between you and Crowne Gold concerning the Website.  This Agreement supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and Crowne Gold with respect to this Website. 

SEVERABILITY.  If a court of competent jurisdiction finds any clause or provision of these Terms of Service to be unenforceable, then the Terms of Service shall be deemed amended to exclude the clause or provision and the remainder of these Terms of Service shall continue in full force and effect.

GOVERNING LAW, JURISDICTION, VENUE.  The Terms of Service, your access and use of the Crowne-Gold.com and the relationship between you and Crowne Gold is governed by the laws of the Republic de Panama, Switzerland, The Netherlands, or the United State, at our discretion, without giving effect to its conflict of law provisions.  In the event Crowne Gold commences or prosecutes any legal or equitable action or proceeding, you agree to submit to the personal and exclusive jurisdiction of the court in which such action or proceeding is commenced.  You are responsible for complying with local laws, if and to the extent local laws are applicable.  Notwithstanding the foregoing, Crowne Gold shall have the right to commence and prosecute any legal or equitable action or proceeding before any United States or non-United States court of competent jurisdiction to obtain injunctive or other relief in Crowne Gold' sole discretion.  Regardless of any statute or law to the contrary, any claim or cause of action by you arising out of or related to use of the Website or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.