Terms & Conditions

1. Agreement and eligibility

These Terms govern access to MeroGold’s website, app and services. By registering or using a service, you agree to these Terms and linked policies. You must be legally capable of entering this agreement and provide accurate information.

2. Nature of the service

MeroGold provides technology and operational services that may allow eligible customers to request purchase, sale, saving, holding, locking, transfer where available, or physical redemption/delivery of gold and silver.

3. Account registration and security

• Do not create duplicate or misleading accounts.
• Keep your device, PIN, password and OTP secure.
• Authenticated instructions may be treated as authorized, subject to security review.
• MeroGold may suspend access or require reverification to protect the account.

4. KYC, source of funds and compliance

MeroGold may require identity documents, bank/payment evidence, source-of-funds information or enhanced due diligence. We may reject, delay, limit, freeze or report activity where required for compliance, fraud prevention or lawful authority requests.

5. Rates, pricing and fees

Displayed buy and sell rates may differ and may include spreads, fees, taxes, making, packaging or delivery charges. The rate and charges presented at final confirmation or recorded in the accepted transaction govern, subject to correction of manifest error.

6. Wallet, deposits and withdrawals

The NPR wallet is an internal transactional balance used within MeroGold and is not represented as a bank account. Requests remain subject to verification, banking hours, limits, reconciliation and compliance checks.

7. Gold and silver transactions

An order becomes binding only when accepted and recorded. MeroGold may reject or reverse duplicated, unauthorized, technically failed, legally prohibited or manifestly erroneous instructions.

8. Smart Saver and locked products

Recurring or fixed-term products are governed by the plan parameters shown before confirmation, including failed debit, pause, maturity, reward and early-closure rules.

9. Physical redemption and delivery

Physical redemption is subject to minimum weight, available products, product charges, taxes, delivery charges, verification, inventory and location coverage. See the Delivery Policy.

10. Risk acknowledgement

You accept risks described in the Risk Disclosure Statement. MeroGold does not provide personalized investment, tax or legal advice.

11. Prohibited activity

• Fraud, impersonation, money laundering or unlawful source of funds.
• Account resale, credential sharing, automation abuse or interference with security.
• Chargeback abuse, false complaints or exploitation of obvious errors.
• Using the service for an undisclosed third party.

12. Suspension, closure and deletion

MeroGold may suspend an account for security, compliance, disputes or legal orders. Required financial, KYC, ledger and audit records may remain after closure.

13. Disclaimers and limitation

Services may be unavailable due to maintenance, networks, banking systems, force majeure, cyber incidents or third-party failures. Nothing excludes liability that cannot lawfully be excluded.

14. Complaints, law and disputes

Raise complaints under the Complaint Handling Policy. These Terms are governed by applicable laws of Nepal, subject to mandatory consumer rights.