Terms of service

Last updated: 23 October 2026

1. Who we are and key definitions

1.1 "We", "us" or "our" means Gold Tier Advisory Limited, a company registered in England and Wales under company number 15579733. Our registered address is The Harley Building, 77 New Cavendish Street, London, W1W 6XB.

1.2 "You" or "your" means the individual or business placing an order with us or purchasing goods or services from us (a "customer"). A "consumer" is an individual buying for purposes outside their trade, business or profession. A "business customer" is any customer who is not a consumer.

1.3 You must be at least 18 years old to place an order with us. Our services are designed for UK residents. We may, at our discretion and by prior agreement, accept orders for delivery outside the United Kingdom (see clause 8.7).

1.4 These Terms of Service (the "Terms") set out essential details about your rights, our obligations and how we operate, so please read them carefully before placing any order. By placing an order with us, you confirm that you have read, understood and agreed to these Terms in full. These Terms should be read together with our Privacy Policy, Shipping Policy and Refund Policy. If there is any difference between those documents and these Terms, these Terms take precedence. The one exception is our Privacy Policy: nothing in these Terms overrides it or limits your rights under data protection law.

2. Important points to note

2.1 No right to cancel. Orders for precious metals are non-cancellable once placed. Because of the nature of the goods and their market-linked pricing, your statutory right to cancel under distance selling regulations does not apply. Further details are in clause 10 (Cancellation rights).

2.2 No advice. We do not provide financial, tax or investment advice of any kind. Gold Tier Advisory Limited is not authorised or regulated by the Financial Conduct Authority and does not carry out regulated activities as defined under the Regulated Activities Order 2001 (as amended). Any information we provide is general information only. This applies to our website, our free Gold Coin Guide, our Gold Academy lessons, our market news and anything our team tells you, whether in writing, by phone, by WhatsApp or in person. It is not personalised guidance or personal advice to buy, sell or hold any product.

2.3 Comparisons with other assets. Where we compare gold with cash, property, shares, ISAs, bonds or any other asset, the figures are historical, approximate and based on published data. They are shown for information only and are not a forecast, a projection or a promise of future returns. You are solely responsible for seeking independent advice from your own accountant, tax adviser or financial planner before making a purchase decision.

2.4 Market value. You acknowledge that the market value of precious metals fluctuates and that past performance is not indicative of future results. The value of gold and of any collectable or numismatic premium can fall as well as rise. We make no guarantee that any product purchased from us will increase in value or that a resale will result in a profit.

2.5 Tax. Statements on our website about the tax treatment of gold (for example, that UK legal tender gold coins such as Britannias and Sovereigns are exempt from Capital Gains Tax for UK residents) describe the general position under current UK law as we understand it. Tax treatment depends on your individual circumstances and may change. We are not tax advisers and you should confirm your own position with HMRC or a qualified adviser.

3. How to contact us

3.1 Our details. If you have any questions about your order or these Terms, or need general help, you can contact us using the details below:

• Company: Gold Tier Advisory Limited
• Registered address: The Harley Building, 77 New Cavendish Street, London, W1W 6XB
• Company registration number: 15579733
• Email: info@goldtieradvisory.com
• Telephone: 0208 064 0076
• WhatsApp: available through the link on our website
• Operational hours: Monday to Friday, 9am to 5pm (Bank Holidays: hours may vary)

3.2 Outside our hours. We are often available outside these hours. WhatsApp messages received at any time of day or night will be answered as soon as a member of the team sees them.

3.3 Response times. Where our website refers to a response time (for example "usually within one hour" or "1 hour response time"), this describes our aim during operational hours. It is not a contractual commitment and we are not liable if a response takes longer.

4. Ordering and pricing

4.1 How orders are placed. Our public website gives information about gold and our services. Coins are not listed for sale on our public website and prices are provided on request. Orders are placed by telephone, by WhatsApp, by email, in person at our office or, for customers we have invited, online through our private Customer Catalogue. Submitting an enquiry, requesting a price, requesting our free Gold Coin Guide or booking a call does not create an order, does not commit you to buy and involves no payment or obligation.

4.2 When an order is placed. All orders are subject to acceptance and availability. We reserve the right to refuse or cancel any order at our discretion. An "order" is placed when you confirm to us, by phone or in writing, that you wish to buy specific coins at the price we have quoted, or when you complete checkout in our Customer Catalogue. No order is final until payment has been received in full and acknowledged by us in writing (for example by email or invoice).

4.3 Live pricing. Our prices are linked to the live gold market and may change without prior notice. A price we quote is valid only at the time it is given. Once your order is confirmed and payment is received, the agreed price is fixed and will not be adjusted.

4.4 Prices on request. We do not publish coin prices on our website or in our materials. Any figure shown or mentioned before you place an order is indicative only. It is not an offer to sell at that price and is not a guarantee of the price you will be quoted. The price payable is the price confirmed by us when you place your order.

4.5 What the price includes. You acknowledge and accept that the market value of precious metals fluctuates and that our pricing may reflect factors beyond the intrinsic value of the metal. These include, but are not limited to, the premium over the spot price (which covers refining, minting, insurance, handling and distribution), numismatic or collectable value, grading, rarity, production costs and packaging. A physical coin will always cost more than the spot price. Where our website states that the premium per coin may fall as the quantity ordered increases, this describes our general pricing approach and is not a promise of any particular discount.

4.6 Currency and taxes. All prices are quoted in GBP (£) unless otherwise stated and are inclusive of any applicable taxes or duties where relevant. You are responsible for checking whether any local taxes or import charges may apply depending on your jurisdiction.

4.7 Reserving coins. Once you have confirmed an order, we may at our discretion reserve the coins for you for up to 24 hours while your payment arrives. If cleared funds are not received within that period, the reservation lapses and the price may be requoted at the prevailing market rate. Where a different reservation period is agreed with you in writing, that period applies.

4.8 Availability statements. Where our website describes a coin as available on request, or states that coins shown are in stock or available to order, this is not a guarantee of availability at any particular time (see clause 7).

5. Payment terms

5.1 Payment before dispatch. Full payment must be received before we dispatch any goods. We do not operate on credit. Other than a reservation under clause 4.7 or a deposit under clause 5.5, no item will be held or delivered without confirmed cleared funds.

5.2 How you can pay. Payment may be made by bank transfer to the account details provided on your invoice or confirmed to you by our team. You can also pay by debit or credit card through our secure card payment provider: either give us your card details over the telephone, or we will send you a link to a secure payment page where you enter your details and pay. We may also accept cash in person at our office by prior appointment, up to a maximum of £5,000 per purchase, including any linked or instalment payments. We do not accept cheques under any circumstances, due to market volatility. Goods purchased in person are ordered upon receipt of cleared payment and may then be collected from our office or delivered to you.

5.3 Payment reference. It is your responsibility to ensure that the correct reference (normally your order number) is used when making payment. If it is not, your order may be delayed.

5.4 Source of funds. All funds must come from an account held in your name. We reserve the right to request further identification, proof of address and evidence of source of funds to verify any payment made.

5.5 Deposits. We may, at our discretion, accept a deposit to secure a specific coin. The amount will be agreed with you at the time. Once a deposit has been paid, the order cannot be cancelled. If we are unable to supply the coin agreed, we will refund your deposit in full.

5.6 Our right to cancel. We reserve the right to cancel any order in the event of non-payment, late payment, suspected fraud or failure to provide required verification.

6. Identification and compliance

6.1 Identity checks. UK law and anti-money laundering ("AML") regulations require us to collect and verify identification documents before processing certain transactions, whether you are buying from us or selling to us. This may include, but is not limited to, photo ID, proof of address and evidence of the source of funds. We may use a third-party identity verification service for this purpose.

6.2 Further documents. We reserve the right to request additional documentation at any time to satisfy our compliance obligations. If you do not provide the documents we request, we may refuse or cancel your order or buyback.

6.3 How we use your information. We are committed to maintaining the highest standards of due diligence. All customer information will be handled in accordance with applicable data protection law. We use it for compliance, verification, account management and the other purposes set out in our Privacy Policy.

6.4 Suspicious activity. Transactions may be delayed or refused if we suspect unlawful activity or if AML requirements are not met. We reserve the right to report any suspicious activity to the appropriate authorities.

7. Availability

7.1 All products are subject to availability. We do not guarantee the continued availability of any item until your order is confirmed and payment is received.

7.2 If a selected product becomes unavailable after payment, we will offer a suitable alternative or a full refund, whichever you choose.

7.3 Where our website refers to incoming stock, a future release or a countdown to new stock, the date and the coins described are our best expectation at the time and may change. Registering your email for a notification does not reserve any coins.

8. Delivery and collection

8.1 Delivery address. We deliver to the address you provide at the time of order, so please make sure all delivery details are accurate and complete. Delivery within the United Kingdom is free of charge.

8.2 Dispatch. Orders are dispatched once payment has cleared in full and any required identity verification has been completed. We send orders by fully insured, tracked and signed-for private courier in plain, unbranded packaging. We dispatch Monday to Friday. Delivery times vary by coin, so we will confirm your delivery date when you order. Most orders arrive within 3 to 5 working days after cleared payment. This is an estimate, not a guarantee.

8.3 Signature. A signature is required on delivery. If you will not be available, please tell us before dispatch so that we can agree a suitable date. If the courier is unable to obtain a signature, the parcel may be held for re-delivery or returned to us.

8.4 Checking your order. Once your order arrives, please inspect it as soon as reasonably possible. If there are any issues or concerns, tell us promptly so we can help.

8.5 Risk and ownership. "Risk" means responsibility for loss of, theft of or damage to the goods. Risk passes to you when your order is signed for at the delivery address. From that point the goods are treated as delivered and we are not liable for any loss, theft or damage. If you collect your order, risk passes to you when the coins are handed to you at our office (clause 8.8). While we hold coins for you under clause 8.10 or clause 9, risk stays with us until they are delivered, collected or transferred to a custodian under clause 9.7. Ownership passes to you only once full payment has been received and cleared in our account.

8.6 Delays. Unless otherwise agreed, delivery timeframes are estimates. If a delay occurs due to events outside our control (such as adverse weather or courier disruption), we will tell you as soon as reasonably possible, but we cannot be held responsible for any resulting loss.

8.7 International delivery. We may, by prior agreement only, deliver to selected countries outside the United Kingdom. You must contact us before ordering. Insured delivery, customs, import duties, taxes and documentation vary by destination and any such charges are your responsibility. We may decline international delivery at our discretion.

8.8 Collection. You may choose to collect your order from our London office instead of having it delivered. Collection is by appointment only. For security, we do not keep gold at our office, so we will contact you to arrange a time once your order has arrived from storage. You will need to bring photo ID. Risk passes to you when the coins are handed to you.

8.9 Lost or delayed deliveries. Occasionally a parcel may be delayed in transit and in our experience most delayed parcels arrive safely within a few days. If your order has not arrived within the expected timeframe, please contact us and we will raise it with the courier straight away. Where a parcel is confirmed as lost, the courier's formal investigation and the resulting insurance claim can take up to three weeks to complete and we appreciate your patience during that period.

Every parcel we dispatch is fully insured while in transit and, under clause 8.5, risk remains with us until delivery has taken place. Once the loss is confirmed, we will put things right with you by way of a replacement or a full refund. You will not be left out of pocket because a parcel is lost in transit.

8.10 Delayed dispatch. When you place your order, you may ask us to hold your paid order and dispatch it after a date you choose, up to 30 days after your payment has cleared. Ownership passes to you on cleared payment, as with any other order. Your coins stay fully insured and in our care until they are delivered or collected. Risk stays with us throughout that time (clause 8.5). After 30 days, we will contact you to arrange delivery, collection or our free storage for up to six months under clause 9.

9. Storage

9.1 Complimentary storage. Where agreed at the time of your order, we will hold your paid-for coins free of charge for up to six months from the date your payment clears (the "Storage Period"). Complimentary storage is offered at our discretion.

9.2 Your purchase is complete. Your purchase is complete once payment has cleared and the coins belong to you from that point. While we hold them, they are set aside, recorded in your name and kept separate from our own stock.

9.3 No cancellation or refund. Holding your coins is a storage service only. It does not create any right to cancel your order, return the coins or receive a refund and does not change clause 10 (Cancellation rights). If you wish to sell coins during the Storage Period, this is handled under clause 12 (Buyback) at the live market price on the day.

9.4 Requesting your coins. You may ask us at any time to deliver your coins to you under clause 8 or to arrange collection from our office. Please give us 5 to 7 working days' notice. Coins will only be released to you, or to a person you authorise in writing, once identity has been verified.

9.5 Our responsibility. While we hold your coins, they are fully insured and risk stays with us. If any are lost or damaged in our care, we will replace them with identical coins or, if that is not possible, pay their market value on the date the loss is confirmed.

9.6 Ending the Storage Period. Before the Storage Period ends, or earlier if we reasonably need to for insurance, security, legal or compliance reasons, we will give you 5 to 7 working days' notice and arrange either:

• (a) delivery to you under clause 8;
• (b) collection from our office; or
• (c) fully insured vault storage in your name with an independent specialist precious metals custodian.

If we have not received your instructions by the end of the notice period, we will deliver your coins to the address we hold for you by insured, signed-for courier.

9.7 Vault storage. Vault storage is a separate contract between you and the custodian, on its terms and at its monthly or annual charges, which we will confirm to you in advance. Once your coins are transferred to the custodian, risk passes to the custodian and we are no longer responsible for their safekeeping.

9.8 After delivery or collection. Once your coins have been delivered to you or collected, storage is your responsibility.

10. Cancellation rights

10.1 Because of the nature of precious metals and their price fluctuations, you do not have a statutory right to cancel your order once it has been placed. This is in accordance with Regulation 28 of The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, which excludes goods whose price depends on fluctuations in the financial market which cannot be controlled by the trader.

10.2 We do not accept cancellations or returns unless the goods are faulty or not as described (see clause 11, Faulty goods), or we have agreed to buy your items back under clause 12 (Buyback).

11. Faulty goods and your statutory rights

11.1 Our standard. All goods supplied by us are expected to be as described, of satisfactory quality and fit for their intended purpose. We are legally obliged to ensure that your order meets the terms of our agreement with you.

11.2 Your statutory rights. If you are a consumer, the Consumer Rights Act 2015 gives you rights if goods are faulty, not as described or not fit for purpose:

• within 30 days of delivery, you can reject the goods and receive a full refund; and
• after 30 days, you can ask for a repair or replacement and, if that is not possible or does not put things right, you can ask for a price reduction or a refund.

If a fault appears within 6 months of delivery, it is presumed to have been present at delivery unless we show otherwise. Your rights do not end at 6 months, although after that you may need to show that the fault was present at delivery. Nothing in these Terms or our other policies affects your statutory rights.

11.3 Telling us about a problem. If any item arrives damaged, faulty or not as described, please tell us as soon as possible. We will provide return instructions so the item can be inspected and the matter resolved. Approved refunds are made promptly to the original payment method once the returned item has been received and inspected.

11.4 Graded coins. For coins certified by NGC or PCGS, the grade, authenticity and certification number shown on the holder are the representations of the grading service, not of us. We supply graded coins in the sealed, tamper-evident holder as received from the grading service. A difference of opinion about a grade, or a change in the market premium for a grade, is not a fault. A holder that arrives cracked or tampered with should be reported to us under clause 11.3.

12. Buyback: selling precious metals back to us

12.1 How a buyback works

12.1.1 We offer a buyback service on gold coins we have supplied, including graded coins. At our discretion we may also consider buying gold coins and 999.9 fine gold bars from recognised refiners that were not originally purchased from us, subject to inspection, authentication and our compliance checks. We do not sell gold bars and we do not buy scrap gold or jewellery.

You may contact us using the details in clause 3 to offer your gold for sale to us at any time and we will provide a live market valuation on request. We are never under any obligation to buy back any item, whether or not we originally supplied it.

12.1.2 Once we receive your request, we will tell you whether we are willing to proceed and, if so, give you an indicative offer, subject to the goods meeting our expected standards. This is not confirmation that we accept the goods.

12.1.3 When your goods have arrived safely and been inspected, we will tell you whether we accept them. A binding agreement is formed only when the goods meet our required condition and we confirm the purchase price. If the items do not meet our standard, we may revise our offer, which will need your approval before any payment is made.

12.1.4 We reserve the right to decline any buyback request for any reason. If a request is not accepted, or you choose not to proceed with our offer, we will return the goods to you at the address provided and no payment will be made.

12.1.5 Selling to us is subject to the identification and compliance requirements in clause 6. We will ask for photo ID, proof of address and the details of a UK bank account in your name before any payment is made.

12.2 Price

12.2.1 Precious metal prices move daily and the value of your goods may be higher or lower than your original purchase price. If we agree to proceed with your buyback request, we will give you a clear price based on current market rates, confirmed in writing to the contact details you provide.

12.2.2 For coins supplied by us, we will offer a fair market rate at the time of buyback, provided the coins are received in the expected condition. Any offer is not guaranteed, remains at our discretion and is based on the live gold market at the time of your request. Any indicative buyback figures shown on our website are estimates only and are not an offer.

12.2.3 Graded coins are bought back on the basis that they are returned in their original sealed, tamper-evident NGC or PCGS holder with the label and certification number intact. A coin removed from its holder, or in a damaged holder, will be valued as an ungraded coin.

12.2.4 Nothing on our website or in any communication from us is a guarantee to buy back at any particular price, premium or discount to the spot price, or at any particular time in the future, unless we expressly confirm it in writing as a binding term at the point of sale.

12.3 Packaging and delivery

12.3.1 If we confirm a buyback, we will give you the return address, or you may bring the goods to our office by appointment. It is your responsibility to ensure the goods are packaged securely and delivered to us safely.

12.3.2 Please use an insured, tracked delivery service. We are not liable for any items that are lost or damaged in transit to us.

12.4 Payment

12.4.1 Once your goods arrive, they will be inspected to check they match the agreed condition. If everything is in order, payment will be made by bank transfer to the UK bank account details you provide, normally within 24 hours of verification and often the same working day. This timing is our aim and is not guaranteed.

12.4.2 If there is any discrepancy in condition, quantity or authenticity, we will issue a revised offer, which you must confirm before payment is made.

13. Events beyond our control

13.1 We will not be liable for any delay or failure to fulfil our obligations under these Terms where it arises from events, circumstances or causes beyond our reasonable control. These include, but are not limited to, natural disasters, government actions, market disruptions, courier delays or supply constraints.

14. Our liability to you

14.1 Nothing in these Terms limits or excludes our liability where it would be unlawful to do so. This includes liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation; and
• any other liability which cannot be lawfully excluded or limited.

14.2 Subject to clause 14.1, we will not be liable for:

• 14.2.1 losses that were not foreseeable by either party at the time this contract was entered into;
• 14.2.2 losses not caused by any breach or negligence on our part;
• 14.2.3 any business-related losses, including loss of profit, loss of business or loss of opportunity; or
• 14.2.4 any loss arising from a change in the market price of gold, or in any collectable premium, after your purchase.

14.3 Business customers. If you are a business customer, then to the extent permitted by law we are not liable to you for any indirect or consequential loss or for loss of profit. Our total liability to you in connection with an order is limited to the price paid for that order. Our liability for death or personal injury caused by our negligence, or for fraud, is never excluded.

15. Third party rights

15.1 These Terms are between you and us. No other person has any right to enforce any of them.

16. Complaints

16.1 If you are unhappy with any aspect of our service or the goods you have received, please contact us directly using the details in clause 3, by phone or by email to info@goldtieradvisory.com with "Complaint" in the subject line. We will acknowledge your complaint promptly and aim to resolve it swiftly and professionally.

16.2 If we cannot resolve your complaint, we will tell you in writing the name of a certified alternative dispute resolution ("ADR") provider and whether we are prepared to use it. ADR offers a way to settle disputes without going to court. You can also get free, impartial help from Citizens Advice. If you choose not to use ADR, or ADR does not resolve the matter, you remain entitled to take formal legal proceedings.

17. Governing law and jurisdiction

17.1 These Terms are governed by and interpreted in accordance with the laws of England and Wales. If you live outside England and Wales, you may also be entitled to the protection of any mandatory provisions of the laws of your country of residence.

17.2 Any disputes arising in connection with these Terms are subject to the non-exclusive jurisdiction of the courts of England and Wales. This means that legal proceedings may be brought either in England and Wales or in the part of the United Kingdom in which you live.

18. Customer accounts and online portal

18.1 Your customer area. We provide an optional online customer area where you can view your order history and an overview of the coins you have purchased from us ("My Coins"). My Coins may also show an estimated market value for your coins.

18.2 How the estimated market value works. The estimated market value is generated automatically. It gathers publicly listed retail prices for the same coin from a range of other dealers and marketplaces across the web and shows an average of those prices at the time the page was loaded. That is all it does: it is a general indication of what that coin is being sold for elsewhere on that day. It is not a valuation by us and it is not based on our own pricing. It may be out of date, incomplete or inaccurate. The same applies to any indicative value or performance figure shown elsewhere on our website or in our communications.

18.3 The estimated market value is not a buyback offer. The figure shown in My Coins is not the price we will pay you for your coins. It is not an offer, quote or promise by us to buy your coins at that price and it does not oblige us to buy them at all. If you wish to sell coins back to us, the price we pay is decided separately at the time you ask, in accordance with clause 12 and may be higher or lower than the estimated market value shown. Nothing shown in the customer area is financial advice.

18.4 Signing in. Access to the customer area is by a one-time code sent to the email address registered to your account. You are responsible for keeping your email account secure. Please tell us immediately if you believe your account has been accessed without authorisation. New accounts may be reviewed before activation.

18.5 Changes to the customer area. We may suspend, withdraw or amend the customer area (or any feature of it) at any time for maintenance, security or business reasons. The customer area is provided as a convenience and does not affect your statutory rights.

19. Refer and Earn

19.1 From time to time we may operate a referral programme under which existing customers can earn a credit for introducing new customers ("Referral Credit"). The current amount, any minimum order value for the referred customer and any other qualifying conditions are as published on our Refer and Earn page at the time of the referral.

19.2 Referral Credit has no cash value, is non-transferable, may not be exchanged for cash and may only be redeemed against qualifying purchases from us. Unless otherwise stated, Referral Credit is awarded only after the referred customer completes a qualifying purchase and any applicable period for faults or disputes has passed.

19.3 We reserve the right to set, vary, cap or withdraw the referral programme (including the amount of any Referral Credit and qualifying conditions) at any time. We may refuse or reverse Referral Credit where we reasonably suspect abuse, self-referral, fraud or breach of these Terms.

19.4 Any Referral Credit displayed in your customer area is subject to verification and may be corrected in the event of error.

19.5 Each customer has one referral code, issued by us. You cannot create or change your own code, although we can issue a new one on request. As orders are placed by phone, the referred customer must give us the exact code before their order is placed for the Referral Credit to apply.

20. Free Gold Coin Guide, Gold Academy and marketing

20.1 Our free Gold Coin Guide, Gold Academy lessons, market news, calculators and comparison tools are provided for general information only and are subject to clause 2. They are intended for UK residents aged 18 or over.

20.2 When you request the Gold Coin Guide, book a call, submit an enquiry or sign up for updates, we will use the details you provide to send you what you asked for and to contact you about it. Where you have agreed to receive marketing from us, we may also send you occasional updates about gold and our services. You can opt out at any time by using the unsubscribe link in any email or by contacting us. Full details are in our Privacy Policy.

20.3 Customer reviews shown on our website are collected through Feefo from customers who have bought from us. Ratings are shown as reported by Feefo at the time.

21. Our website

21.1 We take care to keep the information on our website accurate and up to date, but we do not guarantee that it is free of errors or omissions. Live gold prices shown on our website are indicative, are sourced from third-party market data and may be delayed. They are not an offer to buy or sell at that price.

22. Intellectual property

22.1 Our content. All content on goldtieradvisory.com and in our materials belongs to Gold Tier Advisory Limited or its licensors and is protected by copyright and other intellectual property laws. This includes text, articles, photographs, images, videos, graphics, logos, page designs, the Gold Coin Guide and the Gold Academy.

22.2 Trade marks. "Gold Tier Advisory" (UK00004046123) and the GTA logo (UK00004055057) are registered trade marks of Gold Tier Advisory Limited and may not be used without our written permission.

22.3 Personal use. You may view our website and print or download a copy for your own personal, non-commercial use.

22.4 What you may not do. You may not copy, reproduce, republish, distribute, modify, sell or otherwise use any of our content, images or branding, or present them as your own, without our prior written permission.

22.5 The Gold Coin Guide. The Gold Coin Guide is provided for your personal use only and may not be shared publicly, reproduced or used commercially.

22.6 Protecting our rights. If our content or branding is used without permission, we may take action to protect our rights, including requesting its removal and making a claim for damages and costs.

23. Changes to these Terms

23.1 We may update these Terms from time to time. The version in force when you place an order is the version that applies to that order. The date at the top of these Terms shows when they were last updated.

24. Customer acknowledgement 

24.1 By placing an order with us, you confirm that you have read, understood and agreed to be bound by these Terms in full. You acknowledge that these Terms govern your purchase and your dealings with Gold Tier Advisory Limited. No other statements, promises or representations override these Terms unless we confirm them in writing.