1. General Provisions These Terms and Conditions govern the contractual relationship between the operator of pujckanazlato.com (hereinafter referred to as the "Lender") and the user of the services (hereinafter referred to as the "Client") regarding the provision of short-term loans secured by precious metals, primarily gold (hereinafter referred to as the "Collateral").

2. Service Description The Lender provides financial cash loans based on the appraised market value of the gold pledged by the Client. The physical gold must be handed over to the Lender and securely stored by the Lender for the entire duration of the loan agreement.

3. Valuation and Loan Agreement The Collateral is appraised in person based on the current market price of gold, its exact weight, and its purity (carat). Upon mutual agreement of the loan amount, a binding Pledge Agreement will be signed by both parties. The Lender reserves the right to refuse any item offered as collateral without providing a reason.

4. Repayment and Interest The Client agrees to repay the principal loan amount plus any agreed-upon interest and administrative fees by the due date specified in the Pledge Agreement. Early repayment is possible under the terms specified in the individual contract.

5. Default and Forfeiture of Collateral If the Client fails to repay the full loan amount and accrued interest by the due date, and no written extension is agreed upon, the Client forfeits the right to reclaim the Collateral. Ownership of the pledged gold will automatically transfer to the Lender to cover the outstanding debt, and the Lender is entitled to sell the gold.

6. Client Declarations and AML Compliance By handing over the Collateral, the Client legally declares that:

• They are the sole and absolute owner of the pledged gold.

• The gold is free of any third-party claims or liens.

• The gold was not obtained through illegal activities. To comply with Anti-Money Laundering (AML) laws, the Client must present a valid government-issued ID before the loan is approved.

7. Governing Law These Terms and Conditions and all related Pledge Agreements are governed by the laws of the Czech Republic.