Terms & Conditions

These Terms & Conditions govern access to and use of AlloyAcademy.com, including free educational materials, paid learning packages, learner accounts and related digital services.

By using Alloy Academy, you agree to these Terms.

1. About Alloy Academy

Alloy Academy is an educational platform associated with Alloy Capital Commodities Inc.

The Academy provides education about physical precious metals, including:

• gold;
• silver;
• platinum;
• palladium;
• bullion products;
• spot pricing;
• premiums and spreads;
• physical settlement;
• allocation;
• custody;
• ownership;
• delivery;
• assay;
• buy-back;
• metal-backed liquidity;
• industrial and institutional precious-metals supply.

Alloy Academy is not a precious-metals trading platform.

2. Educational Purpose

All content is provided solely for general educational and informational purposes.

Nothing on AlloyAcademy.com constitutes:

• investment advice;
• financial advice;
• tax advice;
• legal advice;
• personalized recommendations;
• portfolio management;
• trading signals;
• an offer to buy or sell precious metals;
• a guarantee of financial or investment performance.

3. Educational Packages

Alloy Academy may offer paid educational packages providing different levels of access.

The exact package features, content and prices are those displayed at the time of purchase.

4. Educational Purchases Do Not Include Physical Metal

Purchasing an Alloy Academy package does not:

• purchase physical bullion;
• create ownership of gold, silver, platinum or palladium;
• open a precious-metals account;
• establish allocated storage;
• create a custody relationship;
• create a financing arrangement;
• provide automatic access to commercial precious-metals services.

Commercial transactions require a separate relationship with Alloy Capital Commodities Inc.

5. Accounts

Certain materials may require a registered account.

Users agree to:

• provide accurate information;
• maintain accurate account details;
• protect account credentials;
• avoid unauthorized sharing;
• notify us of suspected unauthorized access.

6. Educational Access

Package access may include:

• articles;
• modules;
• educational guides;
• assessments;
• glossaries;
• learning resources;
• other digital materials.

Access rights depend on the package purchased.

7. Payments

Package prices are displayed before purchase.

Payment must be successfully processed before paid content is activated unless otherwise stated.

Educational package prices are entirely separate from:

• physical-metal market prices;
• bullion premiums;
• custody fees;
• financing costs;
• commercial quotes.

8. Refunds

Refund requests are governed by the current Refund Policy.

Purchasing a digital educational product acknowledges that access may begin shortly after payment.

Mandatory consumer rights remain unaffected.

9. Intellectual Property

Unless otherwise stated, Alloy Academy educational materials are owned by or licensed to Alloy Capital Commodities Inc.

Protected materials may include:

• articles;
• modules;
• graphics;
• assessments;
• guides;
• course structures;
• downloadable materials;
• branding;
• website content.

Users may access content for personal educational use only.

10. Prohibited Use

Users may not:

• resell educational materials;
• redistribute paid content;
• commercially share accounts;
• copy substantial portions of the platform without authorization;
• bypass access controls;
• attempt unauthorized system access;
• distribute malware;
• use abusive automated extraction;
• use Alloy Academy for unlawful activity.

11. Market Examples and Educational Data

Educational materials may refer to:

• spot prices;
• premiums;
• spreads;
• settlement periods;
• bullion specifications;
• storage structures;
• loan-to-value examples.

Unless expressly identified as a live commercial quote, these examples are educational only.

12. Commercial Quotes and Physical-Metal Services

Current inventory, firm prices and commercial terms are provided separately by Alloy Capital Commodities Inc.

Educational content appearing on Alloy Academy is not automatically an offer to transact.

13. Precious-Metal Risk

Physical precious metals may involve risks including:

• market-price fluctuations;
• changing premiums;
• liquidity risk;
• custody risk;
• delivery risk;
• verification risk;
• financing risk;
• collateral risk;
• product availability risk.

Educational content cannot eliminate these risks.

14. Metal-Backed Liquidity Content

Educational explanations of collateral, loan-to-value, liens and metal-backed borrowing are provided only to explain how such structures may operate.

They do not:

• guarantee eligibility;
• constitute a credit offer;
• establish financing terms;
• create a lending relationship;
• guarantee any specific loan-to-value ratio.

15. Industrial and Institutional Content

Educational explanations of:

• scheduled supply;
• consignment;
• forward pricing;
• institutional purchasing;
• industrial precious-metal use

do not create any commercial supply agreement.

Separate commercial documentation is required.

16. Accuracy of Information

We aim to provide clear and accurate educational materials.

However:

• markets change;
• inventory changes;
• premiums change;
• industry practices evolve;
• laws and regulations may change.

Content may be updated, corrected, reorganized or removed where reasonably necessary.

17. Platform Availability

We may occasionally:

• perform maintenance;
• update educational content;
• replace resources;
• reorganize modules;
• temporarily suspend features.

Continuous uninterrupted access cannot be guaranteed.

18. Third-Party Services

Alloy Academy may rely on external providers for:

• payments;
• hosting;
• authentication;
• security;
• analytics;
• communications.

Those providers may maintain their own terms and privacy practices.

19. External Links

The website may contain links to Alloy Capital Commodities or other external websites.

Alloy Academy is not responsible for independently operated third-party websites.

20. Suspension or Termination

Access may be restricted or terminated where reasonably necessary because of:

• fraud;
• serious account misuse;
• unauthorized redistribution;
• platform security threats;
• material violation of these Terms;
• unlawful conduct.

21. No Guarantee of Results

Completion of Alloy Academy materials does not guarantee:

• investment returns;
• trading performance;
• employment;
• commercial success;
• financing approval;
• successful precious-metals transactions.

22. Disclaimer of Warranties

To the fullest extent permitted by applicable law, Alloy Academy is provided on an "as is" and "as available" basis.

No specific educational, financial or commercial outcome is guaranteed.

23. Limitation of Liability

To the fullest extent permitted by law, Alloy Capital Commodities Inc. and applicable affiliates will not be liable for indirect, incidental, consequential or special losses arising solely from reliance on Alloy Academy educational materials.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

24. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles.

Where legally permitted, disputes relating specifically to Alloy Academy will be handled by the appropriate courts in New Jersey.

25. Changes to These Terms

These Terms may be revised when the Academy, its educational services or applicable legal requirements change.

The latest version will display the current revision date.

26. Contact

Alloy Capital Commodities Inc.
1200 Harbor Exchange Boulevard, Suite 2140
Jersey City, NJ 07310
United States

Telephone: +1 (940) 601-4605
Email: [email protected]