Terms and Condition

Gold and Silver Bank Last Updated: May 2026

Welcome

By accessing or using the Gold and Silver Bank website and purchasing our products, you agree to be bound by the following Terms and Conditions. Please read them carefully before placing an order or using our services. If you do not agree with any part of these terms, please do not use our website or services.

1. About Us

Gold and Silver Bank is a manufacturer, retailer, and direct seller of gold and silver products, founded and operated by Shahzad with over 30 years of industry experience. We operate online across Pakistan and maintain an in-house XRF Laboratory for purity verification.

2. Eligibility

By using our website, you confirm that:

You are at least 18 years of age
You are legally capable of entering into a binding contract
You are accessing our services from within Pakistan or as otherwise permitted
All information you provide to us is accurate and truthful

3. Products

All products listed on our website are subject to availability
We are the manufacturer of our products and take full responsibility for quality and purity
Product images are for illustration purposes and may slightly vary from the actual item due to photography lighting or screen display settings
Gold and silver prices fluctuate with market rates — the price displayed at the time of your order confirmation is the final price for that transaction
We reserve the right to discontinue or modify any product at any time without prior notice

4. Pricing & Payments

All prices are listed in Pakistani Rupees (PKR)
Prices are inclusive of applicable taxes unless stated otherwise
We accept payment via debit/credit cards, bank transfer, mobile wallets, and cash on delivery where available
Payment must be completed in full before an order is dispatched
Gold and Silver Bank reserves the right to cancel any order where payment is not received or verified

5. Orders

Placing an order on our website constitutes an offer to purchase the product
We reserve the right to accept or decline any order at our discretion
An order is only confirmed once you receive a confirmation from us via email, WhatsApp, or SMS
In the event of a pricing error or stock issue, we will notify you immediately and offer a full refund or an alternative

6. Delivery

We deliver across Pakistan through reliable courier partners
Delivery timelines are estimates and may vary depending on location, courier delays, or public holidays
Risk of loss or damage passes to the customer once the order is handed to the courier
Gold and Silver Bank is not liable for delays caused by courier companies or circumstances beyond our control
For high-value orders, insured shipping is strongly recommended and may be applied automatically

7. Returns, Exchanges & Refunds

All returns, exchanges, and refunds are governed by our separate Refund & Return Policy, which forms part of these Terms and Conditions. Please review it carefully before making a purchase.

Key points:

Returns accepted within 7 days of delivery
Items must be unused and in original packaging
Exchanges are free of charge
Delivery charges are non-refundable
Change of mind is not a valid reason for return

8. Lifetime Quality Guarantee

Gold and Silver Bank stands behind every product we manufacture. Our lifetime guarantee covers manufacturing defects and material purity. This guarantee does not cover:

Physical damage caused by misuse or accidents
Normal wear and tear over time
Items that have been altered, resized, or repaired by a third party
Damage caused by improper storage or handling

9. XRF Laboratory Services

Our in-house XRF Laboratory offers purity testing and assessment services for gold and silver items. By bringing your items in for testing:

You acknowledge that the process is non-destructive but results are provided for informational purposes
Gold and Silver Bank is not liable for any pre-existing damage to items brought in for assessment
Test results are based on the item presented and are valid at the time of testing only

10. Intellectual Property

All content on the Gold and Silver Bank website — including text, images, logos, product descriptions, and branding — is the property of Gold and Silver Bank and is protected under applicable intellectual property laws. You may not copy, reproduce, distribute, or use any content without our express written permission.

11. Accuracy of Information

We make every effort to ensure that product descriptions, prices, and information on our website are accurate. However, we do not warrant that all content is completely error-free. In the event of an error, we reserve the right to correct it and, where necessary, cancel any affected orders with a full refund.

12. Limitation of Liability

To the fullest extent permitted by law, Gold and Silver Bank shall not be liable for:

Any indirect, incidental, or consequential loss arising from the use of our website or products
Loss of data, revenue, or business opportunities
Delays or failures in delivery caused by third-party couriers
Any unauthorized access to your personal data beyond our reasonable control

Our total liability to you in any circumstance shall not exceed the value of the order in question.

13. Privacy

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions. By using our website, you consent to the collection and use of your information as described in the Privacy Policy.

14. Prohibited Use

You agree not to use our website or services to:

Place fraudulent or false orders
Impersonate any person or entity
Engage in any activity that disrupts or interferes with our website
Attempt to gain unauthorized access to any part of our system
Use our content or branding without permission

We reserve the right to block or ban any user who violates these terms.

15. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Pakistan. Any disputes arising from these terms or your use of our services shall be subject to the jurisdiction of the courts of Pakistan.

16. Changes to These Terms

Gold and Silver Bank reserves the right to update or modify these Terms and Conditions at any time without prior notice. The latest version will always be published on our website. Your continued use of the website after any changes constitutes your acceptance of the updated terms.