Terms and Conditions

Last updated: 11/05/2026

1. About Us

These Terms and Conditions (“Terms”) apply to all sales, purchases, storage arrangements, services, and transactions conducted by Zoya Commodities (“we”, “us”, “our”).

Zoya Commodities is a UK-based business dealing in:

precious metals;

collectible bullion;

reclaimed precious-metal objects;

storage arrangements;

and related services.

Contact Details

Zoya Commodities
Robin Court, Lupus Street
SW1V 3ED, London
United Kingdom

Email: sola@zoyacommodities.uk

2. Application of Terms

These Terms apply to all transactions conducted through:

our website;

email;

social media;

messaging platforms;

telephone;

in-person communication;

or any other direct communication methods.

By:

placing an order;

using our website;

selling materials to us;

or using our services,

you agree to be bound by these Terms.

3. Orders and Contract Formation

All orders are subject to acceptance by us.

A legally binding contract is formed only when:

we confirm your order in writing (including by email); and

cleared payment has been received where applicable.

We reserve the right to:

refuse orders;

cancel transactions;

limit quantities;

delay fulfilment;

or refuse service

where reasonably necessary for:

legal compliance;

fraud prevention;

operational reasons;

security concerns;

or regulatory obligations.

4. Pricing and Quotations

4.1 Precious Metal Pricing

Prices for products and services may be based on:

weight;

purity;

craftsmanship;

rarity;

collectibility;

and prevailing precious-metal market prices (“spot prices”).

Because precious-metal markets fluctuate continuously, prices may change without notice.

4.2 Quotations

Any quotation:

is indicative only unless expressly confirmed;

is time-limited;

and may expire without notice.

We are not responsible for price changes after quotation expiry.

4.3 Collectible Premiums

Certain products may include premiums relating to:

design;

limited production;

craftsmanship;

historical inspiration;

rarity;

serialization;

and collectibility.

Collectible premiums may not correlate directly with underlying metal spot values.

We do not guarantee future collectible appreciation or resale value.

5. Product Availability

All products are subject to availability.

Because certain works are individually handcrafted or produced in limited quantities:

stock levels may vary;

releases may be limited;

and certain products may be discontinued without notice.

We reserve the right to:

modify products;

alter specifications;

or discontinue collections.

6. Handcrafted Products and Variations

Certain products are:

hand-poured;

hand-finished;

artisanal;

or individually cast.

As a result, natural variations may occur in:

texture;

dimensions;

cooling patterns;

finish;

weight tolerances;

and overall appearance.

Such variations are intentional characteristics of handcrafted production and do not constitute defects.

Product photography and illustrations are provided for reference purposes only.

7. Serialized Products and Authentication

Certain products are individually serialized and archived.

Serial numbers may be used for:

provenance tracking;

authentication;

buyback eligibility;

and archival documentation.

We reserve the right to refuse authentication or buyback services where:

serial markings have been altered;

authenticity cannot be verified;

or products have been materially modified.

8. Payment

We accept payment through approved payment methods including:

bank transfer;

PayPal;

debit or credit card;

and other agreed methods.

Payment terms will be confirmed at the point of transaction.

Orders may not be processed, shipped, or released until payment has cleared.

We reserve the right to:

request additional verification;

delay fulfilment pending security checks;

or refuse transactions where fraud concerns arise.

9. Delivery and Risk

Delivery arrangements will be agreed at the time of purchase.

Delivery timeframes are estimates only and are not guaranteed.

Where goods are shipped:

risk passes upon confirmed delivery to the customer’s designated address;

title transfers only upon receipt of cleared payment.

Customers are responsible for:

ensuring delivery information is accurate;

accepting delivery securely;

and complying with local import or customs requirements where applicable.

We are not responsible for delays caused by:

couriers;

customs authorities;

transport disruption;

weather events;

governmental action;

or circumstances beyond our reasonable control.

10. Cancellation and Returns

10.1 Consumer Rights

Where applicable, consumers may have rights under:

the Consumer Contracts Regulations 2013;

the Consumer Rights Act 2015;

and other applicable UK consumer laws.

10.2 Exemption for Precious-Metal Products

Certain products we sell are priced by reference to live precious-metal market rates which fluctuate outside our control.

Under Regulation 28(1)(b) of the Consumer Contracts Regulations 2013, cancellation rights may not apply to:

bullion;

investment-grade precious metals;

collectible precious-metal products;

or goods priced directly by reference to financial market fluctuations.

Where applicable, this exemption will be disclosed at the time of order.

10.3 Faulty or Misdescribed Goods

Nothing in these Terms excludes statutory consumer rights.

If goods are faulty or materially not as described, customers may be entitled to remedies under applicable law

11. Buyback Program

11.1 Eligibility

We may offer buyback services for eligible products originally produced by us.

Eligibility may depend on:

authentication;

condition;

serialization;

provenance;

and market conditions.

11.2 No Obligation

We are under no obligation to repurchase any product unless agreed in writing.

11.3 Valuation

Buyback valuations may consider:

weight;

purity;

spot prices;

collectibility;

rarity;

condition;

and authenticity.

11.4 Refusal Rights

We reserve the right to refuse buyback, valuation, or authentication services for any item that:

has been altered;

damaged;

melted;

resized;

tampered with;

or cannot be authenticated to our satisfaction.

12. Reforging and Reclaimed Materials

Products may contain reclaimed or recycled precious metals sourced from:

jewelry;

legacy objects;

bullion;

or other precious-metal materials.

Reclaimed material origins may vary.

Certain archived objects may be preserved rather than refined or recast.

13. Secure Storage Services

13.1 Third-Party Vaulting

Storage services are provided through independent third-party vaulting providers.

We do not directly operate vaulting facilities.

13.2 Eligibility

Only eligible products may qualify for storage services.

Availability may depend on:

jurisdiction;

client verification;

provider requirements;

and applicable regulations.

13.3 Ownership

Stored holdings remain the property of the client subject to:

applicable storage agreements;

provider terms;

unpaid fees;

and legal requirements.

13.4 Insurance and Liability

Insurance arrangements are subject to the terms and limitations of the relevant storage provider.

We do not guarantee:

uninterrupted storage services;

absolute security;

or insurance coverage beyond provider arrangements.

13.5 Delivery Requests

Requests for withdrawal or delivery may require:

identity verification;

processing periods;

administrative fees;

and regulatory checks.

13.6 Storage Provider Changes

We reserve the right to modify storage arrangements or providers where reasonably necessary.

14. Anti-Money Laundering (AML) and KYC

As a precious-metals dealer, we are subject to applicable anti-money laundering laws and regulations.

We may:

request identification;

request proof of address;

conduct customer due diligence;

monitor transactions;

retain compliance records;

or refuse transactions where required by law.

Failure to provide requested information may result in:

delayed processing;

cancellation;

refusal of service;

or reporting obligations.

We reserve the right to report suspicious activity to relevant authorities where legally required.

15. No Investment Advice

Nothing contained within:

our website;

marketing materials;

social media;

educational content;

product descriptions;

or communications

constitutes financial, legal, tax, or investment advice.

Purchases of precious metals involve risk, including market volatility.

Customers should seek independent professional advice where appropriate.

16. Intellectual Property

All:

branding;

product designs;

bullion shapes;

illustrations;

written content;

photography;

logos;

and website materials

are the intellectual property of Zoya Commodities unless otherwise stated.

No content or product design may be reproduced or commercially replicated without prior written permission.

17. Historical and Educational Content

Historical references and educational materials provided on our website are intended for informational and artistic purposes only.

We do not guarantee historical completeness or academic accuracy.

18. Hallmarking and Compliance

Where legally required, products will be hallmarked in accordance with applicable UK hallmarking laws.

Customers acknowledge that certain collectible products may fall within different regulatory classifications depending on:

weight;

purity;

intended use;

and jurisdiction.

19. Limitation of Liability

To the fullest extent permitted by law:

we are not liable for indirect or consequential losses;

our total liability shall not exceed the value of the relevant transaction.

Nothing in these Terms excludes liability for:

death or personal injury caused by negligence;

fraud or fraudulent misrepresentation;

or rights that cannot legally be excluded.

20. Force Majeure

We are not liable for delays or failure to perform obligations caused by circumstances beyond our reasonable control, including:

market disruptions;

transport interruptions;

cyber incidents;

strikes;

natural disasters;

governmental action;

supply shortages;

or failures of third-party providers.

21. Use of Website

Website content is provided for general informational purposes only and does not constitute a binding offer.

While we make reasonable efforts to ensure accuracy, we do not guarantee that website content is:

complete;

current;

accurate;

or error-free.

We reserve the right to modify website content without notice.

22. Data Protection

We process personal information in accordance with our Privacy Policy.

By using our services, you acknowledge such processing.

23. Purchase of Scrap Gold and Precious Metals

23.1 Scope

This section applies where customers sell precious metals or materials to us.

23.2 Seller Warranties

By selling materials to us, you confirm that:

you are the lawful owner;

you have authority to sell;

the materials are not stolen;

and the materials are free from third-party claims.

23.3 Valuation

Valuations may be based on:

weight;

purity;

condition;

and prevailing market prices.

Testing methods may include:

acid testing;

XRF analysis;

filing;

cutting;

or melting where necessary.

23.4 Indicative Quotes

Initial quotations are indicative only and subject to inspection and testing.

No contract exists until:

a final offer is accepted;

and payment arrangements are confirmed.

23.5 Ownership Transfer

Ownership transfers to us only after:

acceptance of our final offer;

and completion of payment.

23.6 Delivery Risk

Customers sending materials to us bear the risk until physical receipt by us.

We recommend insured and trackable shipping methods.

23.7 Refusal Rights

We reserve the right to refuse any transaction where:

identification is not provided;

authenticity cannot be verified;

fraud or theft is suspected;

or applicable law requires refusal.

24. Changes to These Terms

We may amend these Terms from time to time.

The latest version will be published on our website.

Continued use of our services constitutes acceptance of updated Terms.

25. Governing Law

These Terms are governed by the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

26. Contact

Zoya Commodities
Robin Court, Lupus Street
SW1V 3ED, London
United Kingdom

Email: sola@zoyacommodities.uk