Refund & Cancellation Policy

Last updated: 13 October 2026

This website does not sell anything online and does not take any payment. This policy explains how cancellations and refunds work for purchases you agree with our desk and pay for by bank transfer.

1. How buying from us works

  1. Enquire. Contact us through the contact form, WhatsApp or phone.
  2. Quote. Our desk confirms the item, weight, metal rate, making charges and 3% GST. The rates on this website are reference prices only.
  3. Confirm and pay. You confirm the order and pay by bank transfer into an account listed on our Bank Details page. [To confirm: whether an advance or full payment is required, and when]
  4. Collection or delivery. [To confirm: how and when items are collected or delivered]

2. Cancelling before you pay

If you have not paid anything, you can tell us that you no longer wish to go ahead. [To confirm: whether any charge applies if a confirmed order is cancelled before payment, e.g. when custom work has already started]

3. Cancelling after you have paid

  • Whether you can cancel: [To confirm: whether orders can be cancelled after payment]
  • Time limit: [To confirm: cancellation window]
  • Deductions: [To confirm: any deductions, e.g. for a change in the metal price since your price was confirmed, or bank charges]

4. Gold and silver coins, bars and biscuits

Our desk confirms the price of coins, bars and biscuits when you order, based on the metal rate at that time. Because metal prices change throughout the day: [To confirm: whether bullion orders can be cancelled once the price is confirmed, and how any price difference is handled]

5. Jewellery

  • Ready-made jewellery: [To confirm: cancellation, return or exchange terms for ready-made jewellery]
  • Made-to-order or customised jewellery: [To confirm: whether these orders can be cancelled once work has started, and what happens to any advance paid]

6. Returns and exchanges

[To confirm: whether returns or exchanges are accepted; the time limit; the condition the item must be in (e.g. unused, with the invoice and any certificate); and any deduction]

7. If something is wrong with your item

Please check your item and invoice when you collect or receive it, and tell us straight away if anything is wrong, for example the wrong item, weight or purity, or damage. [To confirm: time limit for reporting a problem, and the remedy offered, e.g. replacement, repair or refund]

8. How refunds are paid

  • Method: [To confirm: refund method, e.g. bank transfer to the account the payment came from]
  • Timeline: [To confirm: how soon an approved refund is paid]

We never ask for card numbers or passwords.

9. How to ask for a cancellation or refund

Contact our desk with your name, your quote or invoice number, and the reason for your request:

10. Your legal rights

Nothing in this policy affects your rights as a consumer under the Consumer Protection Act, 2019, or any other law that applies.