1. About Us

1Plus1Gold ("we", "us", "our") is a gold dealer registered and operating in Singapore, licensed by the Ministry of Law (Singapore) under the Precious Stones and Precious Metals (Prevention of Money Laundering and Terrorism Financing) Act (PSPM Act). Our AML/CFT obligations are supervised by the Monetary Authority of Singapore (MAS).

By accessing our website at www.1plus1gold.com or placing an order with us, you agree to these Terms of Service in full. If you do not agree, please do not use our services.

2. Eligibility

To purchase gold through 1Plus1Gold, you must:

• Be at least 18 years of age.
• Sign in using one of our supported methods (WhatsApp OTP, email OTP, passkey, or Apple/Google).
• Successfully complete our Know Your Customer (KYC) and identity verification process where required (see Section 6).
• Not be subject to any sanctions, politically exposed person (PEP) designations, or other regulatory restrictions that would prevent us from dealing with you under the PSPM Act.

3. Products

We sell Valcambi CombiBar® gold products, which qualify as Investment Precious Metals (IPM) under Singapore's Goods and Services Tax (GST) Act and are therefore GST-exempt. All gold is 999.9/1000 fine (24 karat) and sold by weight in grams. Valcambi SA is an LBMA Good Delivery accredited refiner based in Balerna, Switzerland, and one of the world's most widely recognised gold manufacturers.

Our 1g Split is produced by separating individual segments from genuine Valcambi CombiBar® sheets along their manufacturer-scored break lines — the separation method for which the CombiBar® is specifically designed. Each segment bears the original Valcambi hallmark and is repackaged in 1Plus1Gold branded, tamper-evident packaging that clearly identifies the gold as originating from Valcambi CombiBar® stock and discloses the segmentation process. The gold content and hallmark remain unchanged from the original bar.

Our complete Combibar products (50g and 100g) are sold in their original, tamper-evident Valcambi packaging with assay certificate, unopened and unmodified.

1Plus1Gold is an independent retail dealer. We are not a formally appointed distributor, agent, or affiliate of Valcambi SA or any other product manufacturer, refinery, or brand owner, and make no representation of any endorsement, sponsorship, or direct commercial arrangement with any such party. All products are sourced through established wholesale distribution channels.

We may expand our product range in future to include gold products from other recognised precious metals refiners and manufacturers. Any such products will be genuine, sourced through legitimate wholesale channels, and clearly described on our website at the time of listing.

Product descriptions and images on our website are for illustrative purposes only.

4. Pricing

All prices displayed on our website are indicative only and based on the live international spot price of gold (XAU/USD) converted to Singapore Dollars (SGD). Prices update in real time and are not guaranteed until an order is confirmed and payment is received.

The final price for your order is the price shown at the time you receive your order confirmation via WhatsApp or email, subject to successful payment being received within the payment window.

The gold price displayed does not include delivery fees or payment processing fees, both of which are calculated separately and displayed at checkout before you confirm your order.

5. Orders and Payment

Orders are placed through our website and confirmed via WhatsApp or email (whichever channels you have on file). An order is only binding once we have received cleared funds in full.

We accept the following payment methods:

• PayNow — instant bank transfer using our UEN or registered mobile number.
• Bank Transfer (FAST) — to our designated Singapore bank account.
• Credit / Debit Card — processed securely through our payment gateway, as displayed at checkout. Card payments may attract a processing fee shown before confirmation.

Payment must be made within the time window specified in your order confirmation. If payment is not received within this window, the order will be cancelled and the price lock released. We reserve the right to reprice or cancel orders where payment is delayed.

We communicate payment details only via WhatsApp or the verified email address on your account. We will never request payment via SMS, phone call, or any other channel. If you receive such a request, do not pay and contact us immediately.

6. KYC and Compliance

KYC verification is mandatory for all customers placing orders with a total value of S$20,000 or above. We also reserve the right to require KYC at our discretion for any order or account where we have reasonable cause to do so, including but not limited to unusual transaction patterns, risk assessment outcomes, or regulatory obligations under the PSPM Act.

Where required, the KYC process involves submitting a government-issued photo ID and a selfie for liveness verification, processed by our third-party KYC provider. Orders subject to KYC will not be fulfilled until verification is successfully completed.

We reserve the right to decline any order, freeze an account, or file a suspicious transaction report (STR) with the relevant authorities if we have reasonable grounds to suspect money laundering, terrorism financing, or any other illegal activity.

7. Delivery

Delivery is fulfilled through our logistics partners — currently Lalamove for same-day delivery and NinjaVan for next-day delivery within Singapore. Delivery fees are shown at checkout. Estimated delivery windows are indicative only and subject to logistics partner availability. If we identify a faster or more reliable delivery option than the one selected at checkout, we may switch your order to it at no additional cost to you.

Physical gold is delivered sealed and insured. You are responsible for ensuring someone is present at the delivery address to receive and sign for the parcel. We are not liable for loss or theft after a confirmed delivery.

Self-collection is available by appointment at our registered address. KYC verification must be completed before self-collection is permitted.

8. Refunds, Returns & Disputes

Refunds, returns, and dispute resolution are governed by our Refunds, Returns & Disputes Policy, which forms part of these Terms. That Policy is the authoritative source on cancellation, return eligibility, refund timelines, delivery loss, self-pickup verification, and chargeback handling.

In summary: due to the nature of precious metals and continuous spot-price movement, all sales are final upon order confirmation. Returns are accepted only for damaged, defective, incorrect, or inauthentic product, on the terms set out in the Policy. Statutory rights under Singapore law are preserved.

9. Risk Disclosure

Gold is a commodity whose price fluctuates continuously. Past performance is not indicative of future results. Purchasing gold involves financial risk, including the risk of loss. Nothing on this website constitutes financial advice. You should seek independent financial advice before making any investment decision.

10. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of 1Plus1Gold or its licensors. CombiBar®, Valcambi®, PAMP®, and Multigram® are registered trademarks of their respective owners. Use of these names on this website is solely for product identification purposes. See Section 3 for our full independent dealer disclosure.

11. Limitation of Liability

To the maximum extent permitted by Singapore law, 1Plus1Gold shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of profits, loss of data, or financial losses resulting from gold price movements.

Our total liability to you for any claim arising from a transaction shall not exceed the amount you paid for that specific order.

12. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the Singapore courts.

13. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Material changes will be communicated to registered users via WhatsApp or email (whichever channels you have on file). Continued use of our services after such changes constitutes your acceptance of the updated terms.

14. Contact

For any questions about these terms, please reach us through our Contact page.