Terms & Conditions

Titan Eagle Limited operates an online platform that enables customers in the United Kingdom to purchase physical gold on a monthly plan basis. These Terms & Conditions ("Terms") govern the relationship between Titan Eagle Limited and each customer. By creating an account and joining any plan, you agree to be bound by these Terms in full. If you do not accept these Terms, you must not use the platform.

Your monthly plan is billed monthly in advance. The plan amount corresponds to the tier selected at sign-up: Starter (£29/month), Core (£79/month), Pro (£179/month), or Elite (£499/month). Payments are processed securely by Stripe; your card details are never stored on Titan Eagle servers. Prices are quoted in pounds sterling (GBP). Titan Eagle Limited reserves the right to amend plan prices. Existing customers will receive at least 60 days' notice of any plan price increase. Continued use of the service after the effective date of a price change constitutes acceptance of the revised price. You may cancel at any time before a price change takes effect without penalty.

Upon each successful payment under your monthly plan, Titan Eagle Limited allocates to you an additional undivided share of the segregated pool of 999.9 fine physical gold, calculated at the prevailing market price at the time of purchase, less the applicable acquisition spread (currently 8.8% of the payment amount). Your share is expressed in grams, recorded to four decimal places, and shown in your dashboard. Allocation occurs within a short time of payment confirmation; in exceptional circumstances (including custodian processing delays) it may take up to 24 hours.

From the point of allocation, customers acquire legal ownership as tenants in common of an identified, segregated bulk of 999.9 fine bullion held by the custodian. Each customer owns an undivided share of that bulk proportionate to the grams recorded against their account. Titan Eagle Limited holds no beneficial interest in customer gold and does not lend, pledge, hypothecate or otherwise encumber it. Customers own physical gold directly — not a derivative, leveraged product, synthetic exposure, unit in a fund, or contractual claim against Titan Eagle Limited. Titan Eagle Limited maintains records of each customer's share and reconciles those shares against the vaulted bulk.

The bulk is stored in a secure, LBMA-accredited vault in the United Kingdom and is held by the custodian as bailee — for safekeeping only; the custodian acquires no ownership of customer gold. The vault carries comprehensive insurance against theft, accidental loss and damage. Storage is covered within the acquisition spread, with no separate annual custody charge. Custody is governed by a separate custody agreement between Titan Eagle Limited and the custodian; a summary is available on request by contacting contact@titaneagle.gold. Titan Eagle Limited will give customers reasonable advance notice of any material change to custody arrangements.

Titan Eagle Limited maintains a record of each customer's undivided share of the segregated pool and reconciles the aggregate of those shares against the physical bullion held by the custodian on a regular basis. The custodian's holding of the pool is subject to periodic independent verification. Records of each customer's share are available to that customer through their dashboard.

You may cancel your plan at any time through the dashboard, with no cancellation fee. Upon cancellation, your plan remains active until the end of the current billing period; no further payments will be taken after that date. Your accumulated gold holdings remain in your account and are unaffected by cancellation. You may also pause your plan for a period of up to three months without affecting your holdings. During a pause, no payments are taken and no new gold is allocated. Your plan resumes automatically at the end of the pause period unless you cancel during the pause. Titan Eagle Limited reserves the right to withdraw the pause facility at any time on reasonable notice.

Titan Eagle Limited operates a staged security and liquidity framework designed to protect reserve integrity, maintain full bullion backing and reduce payment fraud. Security Period (per purchase). Each individual gold purchase is subject to a 90-day Security Period, calculated from the date of purchase. During this period, the gold acquired in that purchase cannot be withdrawn, delivered or liquidated. Eligibility is assessed on a transaction-by-transaction basis, meaning only holdings older than 90 days become eligible for withdrawal or liquidation; more recent purchases remain subject to their own Security Period. Controlled Liquidity (Day 90+). Once a purchase has passed its 90-day Security Period, you may request to liquidate eligible holdings into cash. A liquidation spread of 4.4% applies and covers dealing, FX conversion and settlement costs. Subject to applicable minimum thresholds and verification requirements, you may also request physical delivery of eligible gold holdings. Delivery charges are applied on a cost-only basis and may include fabrication, insured shipping, vault handling and logistics costs. Enhanced Ownership (Day 180+). Holdings maintained for more than 180 days may become eligible for enhanced account features, including future reserve eligibility and expanded physical delivery options introduced by Titan Eagle Limited from time to time. All withdrawals and liquidations are subject to identity verification and may require additional due diligence, including source-of-funds checks, sanctions screening and fraud review. Titan Eagle Limited may delay, restrict or decline withdrawals where required for fraud prevention, operational security, legal or regulatory compliance purposes. Titan Eagle Limited does not operate customer cash wallets or stored-value accounts. Cash settlements are made only following the liquidation of eligible holdings and are paid to a verified bank account in the customer's name.

Gold prices may fluctuate significantly over short and long time periods. The value of your gold holdings may go down as well as up. Past gold price performance does not guarantee future performance. Titan Eagle Limited makes no representation of returns and provides no projections, forecasts, or guarantees regarding the future price of gold. Physical gold is a long-term asset suited to disciplined ownership and is not suitable for customers who may require immediate liquidity. You should assess your own financial circumstances and, if appropriate, seek independent financial advice before joining a plan.

To the fullest extent permitted by applicable law, Titan Eagle Limited shall not be liable for any indirect, incidental, special, consequential or punitive losses, including loss of profits, loss of opportunity, loss of anticipated gains or loss of goodwill. Titan Eagle Limited shall not be liable for: (a) fluctuations in the market value of gold; (b) losses arising from movements in foreign exchange rates; (c) delays, interruptions or failures caused by third-party service providers, including vault operators, logistics providers, banking partners or payment processors; or (d) events beyond Titan Eagle Limited's reasonable control, including force majeure events. Except in relation to customer gold holdings recorded in Titan Eagle Limited's allocation records, Titan Eagle Limited's aggregate liability arising out of or in connection with these Terms shall not exceed the greater of: (i) £1,000; or (ii) the total plan payments made by the customer during the twelve months preceding the event giving rise to the claim. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot be excluded or limited by law.

Personal data collected during account registration and ongoing use of the platform is processed in accordance with Titan Eagle Limited's Privacy Policy, available at /privacy. Titan Eagle Limited processes personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Personal data may be collected and used to: • operate and maintain your account; • process recurring payments and refunds; • allocate and administer gold holdings; • fulfil physical deliveries, gifts or rewards; • verify identity and account ownership; • conduct fraud prevention, sanctions screening and anti-money laundering checks; • satisfy legal, regulatory and compliance obligations; and • improve and administer Titan Eagle Limited's services. Titan Eagle Limited may share personal data with carefully selected service providers where necessary to provide its services, including payment processors, identity verification providers, vault operators, logistics providers and professional advisers. Titan Eagle Limited does not sell personal data to third parties.

These Terms are governed by and construed in accordance with the laws of England and Wales. If you are a consumer resident in England or Wales, any dispute arising out of or relating to these Terms shall be subject to the jurisdiction of the courts of England and Wales. Consumers resident elsewhere in the United Kingdom may also have rights to bring proceedings in the courts of their country of residence. If any provision of these Terms is found to be invalid, unlawful or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.