The agreement between
you and GoldPool

To invest through GoldPool, you must: hold a valid Ghana Card (NIA); be at least 18 years of age; not be subject to sanctions or included on a global PEP (Politically Exposed Person) list; and have the legal capacity to enter into binding financial agreements in your country of residence. GoldPool reserves the right to refuse or terminate any investor relationship without obligation to provide reasons, in compliance with AML Act 1044.

All investors must complete Ghana Card KYC verification via Smile Identity before investing. You agree to provide accurate, complete, and current information. You agree to update your information if it changes. You consent to your identity being screened against global sanctions lists and PEP databases at onboarding and every 30 days thereafter. Failure to comply with a request for additional KYC documentation may result in suspension of your account and return of funds.

All investments are subject to the pool terms and conditions published at the time of investment, including the pool target, fee structure, trigger threshold, and redemption options. Pool terms may vary between pools. Always review the pool-specific terms before investing. GoldPool reserves the right to modify pool terms for future pools — but not for pools in which you are already invested.

The standard GoldPool platform fee is 2% of gross resale proceeds, deducted automatically before payout. Additional fees may apply for physical vault storage ($12/month for Premium Pool investors who request physical delivery). Founding members' 2% fee is locked for 24 months from their first investment date. All fees are disclosed in the pool documentation before you commit.

By investing through GoldPool, you acknowledge that: the value of gold fluctuates and you may receive less than you invest; past performance of gold does not guarantee future returns; GoldPool does not guarantee returns; your capital is at risk; the 2% platform fee is charged on gross resale proceeds regardless of whether your pool generates a profit; and pool performance depends on GoldBod pricing and prevailing market conditions at the time of resale.

Retail investors (those who have not declared Qualified Investor status) may not invest more than 10% of their declared annual income through GoldPool in any 12-month period, as required by SEC Crowdfunding Guidelines 2024. By investing, you confirm that your investment complies with this limit. GoldPool will flag investments that appear to exceed this limit and may require written confirmation of your annual income before processing.

Hyperledger Fabric ownership tokens issued by GoldPool are evidence of your fractional gold claim. They are not transferable without SEC approval. They do not constitute securities or financial instruments in their own right. They are digital records of your entitlement under the pool investment agreement.

Any dispute between you and PRC Group Ltd Ghana arising from your use of GoldPool will first be subject to good-faith mediation. If mediation fails, disputes will be submitted to the jurisdiction of Ghana's courts under the laws of the Republic of Ghana. If you are a diaspora investor, you acknowledge that Ghana law governs your investment relationship regardless of your country of residence.

PRC Group reserves the right to amend these Terms at any time. You will be notified of material changes by email at least 30 days before they take effect. Continued use of GoldPool after the effective date of changes constitutes acceptance of the new Terms. If you do not accept amended Terms, you may withdraw your uninvested capital and close your account.

For queries about these Terms: compliance@prcgroup.com.gh. PRC Group Ltd Ghana, Accra, Ghana.