Inotrah’s Terms of Use and Policies

Last Updated: April 2024

Table of Contents

1. Precious Metals Sale User Agreement
2. Privacy Policy
3. Delivery Policy
4. Cancellation Policy
5. Return Policy
6. Refund Policy
7. Currency Policy
8. Copyright Policy Notice & Takedown Procedure
9. Governing Laws and Jurisdiction
10. Accessibility Statement

1. Precious Metals Sale User Agreement

Last Updated: 05 April 2024

Account Opening and Disclosure Agreement (the “Agreement”)

This Agreement governs your Client Account with Inotrah / Innovators and Trailblazers Holdings (PTY) Ltd (“Inotrah”), specifically concerning the offering of Precious Metals Products and associated services, as well as any cash balances and Precious Metals held in your Inotrah/Innovators and Trailblazers Holdings (PTY) Ltd Account.

Transaction Fees

The price of any Precious Metal purchase or sale order will include a transaction fee (“Transaction Fee”), which will be incorporated in the price presented to the Client on the trading pages and trade confirmations.

The Transaction Fee will be determined by the monetary value of the order and will be utilized by Inotrah/Innovators and Trailblazers Holdings to cover various expenses, including trading, transportation (including costs of insuring Precious Metals during transport), and administrative costs.

Secured Storage and Service Fee

Clients will incur a service fee (the “Service Fee”) on a monthly basis, retrospectively. The Service Fee commences accruing on the settlement date of purchases and ceases accruing on the settlement date minus one for sales.

The Service Fee amount is calculated by aggregating the daily accrual of the Client settled holdings. Asset Base Fee = (Daily Valuation * BPS)/Number of days in the year. The value of a Client’s Precious Metal holdings for each day is equal to such Client’s

holdings at the close of business at the average closing bid price for such day or the last day such price was available for weekends and business holidays.

The Service Fee is utilized to cover Inotrah overhead expenses, including, but not limited to, expenses associated with the storage, security, insurance, and verification of Precious Metals (including fees and expenses paid to the Vaulting Partners and the Auditors), costs related to preparing reports and valuations, legal expenses, and other operating expenses of Inotrah.

Other Fees

Any additional fees such as delivery, commission, funding, etc., will be displayed when executing the appropriate action, allowing the Client to confirm before submitting the request.

Redemptions

Inotrah reserves the right, without prior notice to the Client, to redeem any Precious Metals in a Client’s account to fulfill any obligations of a Client to Inotrah for which the Client is in arrears for more than thirty (30) days (the “Obligations”), including without limitation Storage Fees and any other fees and expenses relating to a Client’s account. If Inotrah redeems any of a Client’s Precious Metals for any reason, it will charge the Client a fee of 2.5% of the dollar amount of the Precious Metals redeemed, in addition to the amount required to pay in full all of the Client’s outstanding Obligations.

Business Day

A valid business day is one in which the Johannesburg Stock Exchange (JSE) is open for business. Standard trading hours are between 9:00 am and 5:15 pm SAST. Any trading outside of these hours would be considered extended trading hours.

Trading Day

Standard trading hours are between 9:00 am and 5:15 pm SAST. Any trading outside of these hours would be considered extended trading hours.

Application

Inotrah Services may be offered through its website, emails, officially sponsored client applications, documented application programming interfaces, and other methods. These offerings collectively shall be referred to as the Application, and your Account may be accessible through one or more of these means. This Agreement covers the appropriate use of your Account and the rules that govern that use when accessed through any part of the Application, but not by means other than officially supported by Inotrah.

Precious Metals Products and Services Offering

Inotrah will facilitate the purchase and sale of precious metals on behalf of its Clients. Purchase orders may be placed in either Us Dollar or other internationally accepted currencies for a specific quantity. In the event of a Dollar order placement, Inotrah will effect the purchase of the quantity of the Product type ordered without exceeding the total Dollar amount of the order. All transactions are executed by, and assets are stored by Inotrah and its Business Associates.

All Products offered by Inotrah are displayed in its Application. All Products and Service offerings are subject to availability. Inotrah will make commercially reasonable efforts to accurately reflect the availability of all Products at the time a Client places an order to purchase or commitment to invest in such Product.

However, due to factors beyond Inotrah’s control, this information may not always be accurate, and all Client indications of intent to purchase are subject to cancellation by Inotrah for any reason until such time that a purchase or investment is confirmed by Inotrah to be complete. Inotrah and its Associates will not be held responsible for any potential gains or losses that could have been incurred as a result of the failure to complete an order, regardless of the reason.

Certain Products may not be available for purchase or sale during extended trading hours. Please make direct inquiries via email or a telephonic call with Inotrah for further Information.

Purchase/Sale Price

When a Client submits a purchase or sale order, Inotrah and Its Associates will make commercially reasonable efforts to execute the order as soon as reasonably practicable after receiving it. For each purchase or sale order, Inotrah will make commercially reasonable efforts to obtain best execution pricing for that order. Orders involving multiple Products may be executed with more than one Dealer, and each Product may be purchased or sold at a different price, and different Products may be physically delivered at different times.

Order Placement

All orders must be placed through the Application.

Settlement

All purchases placed with Inotrah require the Client to first deposit sufficient funds on account to cover the estimated cost of the order, including Transaction Fees, plus an execution buffer to guard against volatility in the market, each of which Inotrah will disclose prior to placement of the order.

Upon the confirmation of a purchase order by the Client, Inotrah will reserve the appropriate amount of these funds for the settlement of the order; however, funds may remain in the account until settlement at a later time (outlined below).

In the case of sales, Inotrah will deposit the proceeds to the Client’s DDA.

In certain circumstances, physical delivery to Its Associates ’s contracted vaults may be delayed due to the transportation requirements of moving Precious Metals; however, the title is always transferred on the settlement date of the order. Pursuant to the agreement between each Dealer and Its Associates , the Dealers will bear any costs, expenses, or liabilities (including replacement costs) if any Precious Metal purchase or sale order is either delayed or not physically delivered after order settlement.

Inotrah and Its Associates will accept Client orders 24 hours per day, 7 days per week. However, because the firm only conducts trading 24 hours a day, 5 days a week on days that the JSE is open for business: i) final Client execution prices for orders placed on weekends or market holidays may vary from the price quoted within the bounds of the execution buffer, if any, quoted at the time of order confirmation; and ii) orders may be subject to suspension or cancellation as detailed below.

Trade settlements will follow a trade date + two business days cycle.

Precious Metals Dealers

Our Partners and Associates , maintain relationships with various approved dealers constituting Inotrah’s authorized network (the “Dealers”) for the purpose of buying and selling Precious Metals on behalf of their Clients.

Precious Metals Purity

Our Partner, and Associates , will procure Precious Metals meeting a minimum purity content specified by either the Relevant Regulation Authority or Sovereign Governments for all Products except 1kg bars, which will require a minimum purity of .9999, and silver products, which will have a purity content of .999.

Suspension or Cancellation of Transactions

Inotrah or Its Associates may suspend, cancel, or partially execute purchases or sales with respect to Clients under the following circumstances:

• when trading of the Precious Metals is restricted on any one or more markets;

• if Inotrah/Innovators and Trailblazers Holdings determine they are unable, for any reason, to determine the price or value of the Precious Metals or to execute an order;
  • if the purchase or sale would, at the discretion of Inotrah/Innovators and Trailblazers Holdings, result in a violation of applicable law or regulation;
• during any disruption in the communication or computation systems used by Inotrah/ Innovators and Trailblazers Holdings to communicate with Dealers or determine the price or value to execute orders;
• during any period in which Inotrah/Innovators and Trailblazers Holdings has suspended its operations or is in the process of an orderly liquidation;
  • in the event of a Force Majeure Event preventing fulfillment of a purchase or sale order; or
• for any other reason if Inotrah/Innovators and Trailblazers Holdings determine that such order would not be in their best interests or could have a material adverse effect on Inotrah, Its Associates , or any

Storage of Precious Metals by a Vaulting Partner

Precious Metals purchased for storage through Inotrah will be stored by a third-party internationally recognized service provider (“Vaulting Partner”) selected by Inotrah and/or Its Associates . Current Vaulting Partners are Adegu mining , Ghana, Bulk logistics, Kenya, Jonro global Trading, Dubai, and Iolite dmmc, Dubai.

Vaulting Partners are subject to change without notice or may be added in the future.

Precious Metals stored in any vault are under 24-hour surveillance and are regularly visually inspected by independent auditors.

Transport and Storage Insurance

Transport of Precious Metals in connection with a purchase or sale will be provided by Its Associates ’s Vaulting Partners or by Its Associates ’s Dealers directly or through insured common carrier transportation services.

The transport and storage of Precious Metals by a Vaulting Partner will be insured under the Vaulting Partner’s insurance policy. For instance, Lloyds of London insures all movement and storage of Precious Metals on behalf of Brink’s, Loomis, and Malca Amit for the full replacement value of the Precious Metals. The policy is an “all risks” policy but does not cover losses for Force Majeure Events.

Taking Personal Possession of Precious Metals

Any request by a Client to take possession of Precious Metals instead of storing them with a Vaulting Partner will be solely at the discretion of the Client.

Delivery times may vary depending on market conditions.

A Client requesting delivery acknowledges bearing all risks associated with removing Precious Metals from the Chain of Custody of an approved Vaulting Partner. These risks include potential loss of value incurred when attempting to return Precious Metals to the chain of custody, including the costs of retesting and potential melting and reformation by a certified Refiner/Assayer as required prior to a Dealer accepting the Precious Metals.

The Client also understands the risks and costs associated with self-storing and insuring Precious Metals if desired. Precious Metals will not be delivered to any Client or its custodian without acceptance of the associated risks of taking delivery outside of the chain of custody.

Auditing of Precious Metals Holdings

Our Associates engage internationally recognised audit/accounting firms (the “Auditor”) to visit each Vaulting Partner’s facility in which our Associates stores Precious Metals to confirm all holdings. The Auditor will count each bar and confirm by serial number, if applicable, or by the number of bars/coins in the vault.

Reporting

After each trade, Inotrah/Innovators and Trailblazers Holdings will provide the Client with a confirmation detailing the amount of Precious Metals bought or sold, the total execution price at which the Precious Metals were purchased or sold, and the aggregate settlement amount.

Inotrah/Innovators and Trailblazers Holdings will electronically provide each Client storing Precious Metals with Inotrah a Client statement setting forth the value of such Client’s holdings, based on the current indicative sale price of the Products back to Its Associate’s Dealers, derived from the closing price for the last business day of the preceding month.

The statements will provide a detailed accounting of the holdings and a description of the quantity or fine weight of each bar/coin type held by the Client.

Tax and Other Considerations

Inotrah and Its Associates do not provide tax advice and recommend Clients consult appropriate investment, tax, legal, and/or other advisors concerning the purchase, sale, and storage of Precious Metals.

Currency Operations

All purchases and sales of Products and Services will be conducted in US dollars.

Regulatory Considerations

IInotrah/Innovators and Trailblazers Holdings is not a broker-dealer or a futures commission merchant and is not subject to regulation by the Financial Sector Conduct Authority (FSCA) or any self-regulatory organization in South Africa.

Inotrah/Innovators and Trailblazers Holdings does not act as an investment adviser or commodity trading advisor regarding Precious Metals transactions and does not offer investment or commodity trading advice concerning precious metals.

Precious Metals are not considered securities or futures contracts under South African law. Therefore, the protections provided by securities and commodities laws will not apply to investments in Precious Metals through Inotrah, including, but not limited to, the protections provided by the Securities Investor Protection Corporation (SIPC). Inotrah / Innovator And Trailblazers is a licensed financial services provider (FSP) and complies with the regulations set forth by the FSCA for conducting commodity trading activities.

Taxpayer Identification Information

Clients from South Africa will be required to provide a South African Identity Number or any other relevant taxpayer identification number as mandated by the South African Revenue Service (SARS) to Inotrah as part of the Account opening and Account maintenance process. Client certifies, under penalty of law, that: The taxpayer identification number provided on its application form is accurate (or it is awaiting issuance of a number); and It is not subject to any withholding requirements because: (a) it is exempt from withholding, or (b) it has not received notification from the relevant authority that it is subject to withholding due to failure to report all applicable income, or

(c) it has been notified that it is no longer subject to withholding; and It is compliant with South African tax laws and regulations; and Any relevant tax status declarations provided in its application form (if applicable) are accurate.

Other Terms

The terms of this Agreement, and Client’s Account with Inotrah shall also be governed by Inotrah’s Terms of Service, Customer Agreement, and Privacy Policy, the terms of which are incorporated herein by reference and made a part hereof. By accepting this agreement, the Client acknowledges that they have read this Agreement in full and consents to be bound by all of the terms hereof. Client also acknowledges that it has read in full and consents to be bound by all of the terms of Inotrah’s Terms of Use, Customer Agreement, and Privacy Policy. Inotrah reserves the right to change any of the terms of this Agreement at any time without prior notice to Client, and any such changes will be effective upon Client and its Account(s) five (5) business days from its posting. Client’s continued use of Inotrah’s Services and Products following any such modification constitutes its acceptance of any such changes to this Agreement.

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2.            Privacy Policy

Last Updated: 05 April 2024 4

Company Information

Address: No:8 The Homestead,, Lombardy Road, Broadacres, Fourways 2021. Gauteng, South Africa Phone: +27 11 465 0421

Mobile: +27 78 620 7461

Email: hello@inotrah.com

Website: www.inotrah.com

Introduction

At Inotrah (“us”, “we”, “our” or “Inotrah”) we value your privacy and the importance of safeguarding your data. This Privacy Policy (the “Policy”) describes our privacy practices for the activities set out below. As per your rights, we inform you how we collect, store, access, and otherwise process information relating to individuals. In this Policy, personal data (“Personal Data”) refers to any information that on its own, or in combination with other available information, can identify an individual.

Inotrah provides an integrated checking and investment services account. This Privacy Policy explains our practices regarding the collection, use, and disclosure of information that we receive through our website located at www.Inotrah.com (the “Site”), our mobile application (the “App”), and our communications with you (collectively, the “Services”). This Privacy Policy does not apply to any third-party websites, services, or applications, even if they are accessible through our Services.

Revisions to this Privacy Policy. Any information that is collected via our Services is covered by the Privacy Policy in effect at the time such information is collected. We may revise this Privacy Policy from time to time. If we make any material changes to this Privacy Policy, we’ll notify you of those changes by posting them within the Services or by sending you an email or other notification, and we’ll update the “Last Updated Date” above to indicate when those changes become effective.

Scope. This Privacy Policy applies to all users of our Services including without limitation, site visitors, account holders, and App users (all such users of the Services including account holders and non-account holders collectively referred to as “Users”).

What Information We Collect.

Sign Up Information. When you sign up to create an account with Inotrah, including through the App, we collect and retain certain information that you can be used to identify you (“Personal Data”), including, in the case of account creation: your name, email address, Identification Doument Number, date of birth, phone number, images or information from your driver’s license or other government ID, and residential address.

In order to create your account and enable certain of our services, we will need to collect information to verify your identity. This may include identity verification information from third parties, as well as your bank account information.

Information You Voluntarily Provide. You may also provide certain information to us when you use the Services. For instance, you may choose to manually provide information about yourself, including, but not limited to, income level, and investment experience. Separately you may also choose to enable certain settings or permissions on your device that allows our App to receive data that your device collects about you, including, but not limited to, your location, camera permission, notifications, and OS-level identity verification services. You may also voluntarily provide information about yourself when you contact us for support or other inquiries, or provide feedback about the Services.

Transaction Data. When you initiate a transaction, we collect information to confirm and process it. This may include information about investment accounts held with third parties. This information may be shared with other third parties to facilitate the transaction. We may also collect your email address and mobile phone number from third parties if you initiate or receive a transaction.

Interaction Data: We also collect information relating to the actions that you perform while logged into your account.

Location Information. When you use our Services, we may collect and store information about your location by converting your IP address into a rough geo-location or, when interacting with our mobile application, by accessing your mobile device’s GPS or location services, which may provide more precise geolocation information, if you enable location services on your device.

Information Sent by Your Device. We collect certain information that your mobile device, laptop, or other hardware device sends when you use our Services, including but not limited to IP Address, user agent information, network and connectivity information, device identifiers, advertising identifiers, language preferences, user settings, software and operating system names and versions, hardware models, as well as other information about your use of our Services.

Third Parties. We may also obtain information about Users from third parties, including but not limited to affiliates, joint marketing partners, lead providers, fraud and risk mitigation vendors, and identify verification services.

Information Collected Using Cookies and other Web Technologies. Like many website and app owners and operators, we (and our partners who assist us with marketing, analytics, User research, advertising, and user support) may utilize automated data collection tools such as Cookies and Web Beacons to collect certain information from Users of our Services. These tools are used for a variety of purposes, including but not limited to User authentication, account security, delivery and measuring of advertising, analyzing site traffic and trends, and fraud prevention.

“Cookies” are small text files that are placed on your device by a web server when you access our Services. We may use both session Cookies and persistent Cookies to identify that you’ve logged in to the Services and to tell us how and when you interact with our Services. We may also use Cookies to monitor aggregate usage and web traffic routing on our Services and to customize and improve our Services. Unlike persistent Cookies, session Cookies are deleted when you log off from the Services and close your browser. Although most browsers automatically accept Cookies, you can change your browser options to stop automatically accepting Cookies or to prompt you before accepting Cookies. Please note, however, that if you don’t accept Cookies, you may not be able to access all portions or features of the Services.

“Web Beacons” (also known as web bugs, pixel tags, or clear GIFs) are tiny graphics with a unique identifier that may be included on our Services for several purposes, including to deliver or communicate with Cookies, to track and measure the performance of our Services, to monitor how many visitors view our Services, and to monitor the effectiveness of our advertising. Unlike Cookies, which are stored on the device, Web Beacons are typically embedded invisibly on web pages (or in an email).

“Log Data” means certain information about how a User uses our Services. Log Data may include information such as a User’s IP address, browser type, operating system, the web page that a User was visiting before accessing our Services, the pages or features of our Services to which a User browsed and the time spent on those pages or features, search terms, the links on our Services that a User clicked on and other statistics. We collect and use Log Data to administer the Services and we analyze (and may engage third parties to analyze) Log Data to improve, customize and enhance our Services by expanding their features and functionality and tailoring them to our Users’ needs and preferences. We may use a person’s IP address and other Log Data to generate information about how our Services are used and to detect fraud.

How We Use the Information. Our primary goals in collecting information are to provide and improve our Services, to customize content and the Services for you, to administer your use of the Services (including your account, if you are an account holder), and to enable you to enjoy and easily navigate our Services. We will use your Personal Data for the following purposes:

Providing our Services, including to help you understand and utilize our integrated checking, credit card, and investment services.

Communicating with Users and providing customer support in relation to the Services.

Resolving disputes, responding to inquiries, collecting and processing payments fees (as applicable) and troubleshooting problems.

Managing our everyday business needs, including, but not limited to the following activities: auditing, administration of the Services, forum management, fulfillment, analytics, fraud prevention, identify verification, and enforcement of our Terms of Service, or to comply with applicable laws or regulations. Customizing your experience and otherwise measuring and improving our content and Services.

Sending you relevant emails and communications (including keeping you informed about our products, offerings, and any promotional offers) that might be of interest to you. (In the event that we use your personal information to market to you, you will be able to opt-out of such uses).

Enforcing our agreements, terms, conditions, and policies, and sending you notices and alerts. Better understanding our Users’ interests, behaviors, and demographics.

We may also use your information for any other purpose disclosed to you at the time we collect or receive your information, or otherwise with your consent. Any communication or material you transmit to us via e- mail or otherwise, including any data, questions, comments, chats, phone calls, suggestions or the like (though excluding your personal information) will be treated as non-confidential and non-proprietary.

Information that We Share with Third Parties. We will not share any Personal Data that we have collected from or regarding you except as described below:

1. Services Providers and Business Partners. We may engage third-party service providers to help us administer, provide, and improve the Services, including but not limited to the following types of partners: third party financial financial institutions and financial services companies, web hosting providers, cloud hosting providers, fraud detection services, identity verification services, fulfillment service providers, and customer support These third-party services providers will have access to your Personal Data for the purpose of performing services on our behalf. For example, we may share your Personal Data with a cloud hosting providers (for example, Amazon Web Services) as part of our utilization of their hosting services.

2. At Your We may share information about you with third parties in the event that you request we do so, for example, with companies offering complimentary services, promotions or offers through our Site our Services, if you are interested in such and request – or consent – that we share your information.

3. The General We may share with the general public information that you submit in public forums, for example blogs, social media, comment sections on the website.

4. Other Third Parties. We may share de-identified or aggregated data we collect from the use of the Services, including but not limited to de-identified or aggregated transaction or investment information, de- identified or aggregated location information, information about the computer or device from which you access the Services, market trends, and other analysis that we create based on the information we receive from you and other

5. Our Subsidiaries and Affiliates. We share information with our corporate subsidiaries and affiliates to help us provide our

6. With Your There may be other circumstances where we will notify you of information that we seek to share with a third party not listed here, and will do so with your consent

7. Information Shared with Web Analytics Services We may use some or all of the following analytics services:

Google. We use Google Analytics, a service provided by Google, Inc. (“Google”), to gather information about how Users engage with our Site and Services. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of data generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout.

Facebook. We may use certain tools offered by Facebook, Inc. (“Facebook”) that enable it to collect or receive information about actions Users take on: (a) our Site and elsewhere on the internet through the use of Cookies, Web Beacons and other storage technologies; or (b) our App and other mobile applications, in order to provide measurement services, targeted ads and other services. For more information regarding the collection and use of such information by Facebook, please see the Facebook Data Policy, available at: https://www.facebook.com/policy.php.

8. Information Disclosed in Connection with Business Transactions. Information that we collect from our Users, including Personal Data, is considered to be a business asset. Thus, if we are acquired by a third party as a result of a transaction such as a merger, acquisition, or asset sale, or if our assets are acquired by a third party in the event we go out of business or enter bankruptcy, some or all of our assets, including your Personal Data, may be disclosed or transferred to a third party acquirer in connection with the

9. Information Disclosed for Our Protection and the Protection of We cooperate with government and law enforcement officials or private parties to enforce and comply with the law. We may disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate: (i) to respond to claims, legal process (including subpoenas);

(ii) to protect our property, rights and safety and the property, rights and safety of a third party or the public in general; and (iii) to stop any activity that we consider illegal, unethical or legally actionable activity.

10. With Advertising Partners and Social Media. Your personal data may be shared with certain advertising partners who conduct or assist us with marketing, as well as and advertising and social media partners who we allow to place cookies (or similar technology) in our Services as necessary to their provision of various services, including but not limited to ad attribution, ad placement, audience measurement, social sharing, and site

Your Choices. We offer you choices regarding the collection, use and sharing of your Personal Data and we’ll respect the choices you make. Please note that if you decide not to provide us with the Personal Data that we request, you may not be able to access all of the features of the Services.

Device Permissions. There are various device permissions that our app may request, including for instance, location, camera, notifications, and OS identity verification services (e.g. TouchID). You are free to allow, disallow, or revoke any of these permission requests at any time, however some features of the Services may not function properly without the permission being granted.

Opt-Out of our Mailings. We may periodically send you free newsletters and emails that directly promote our Services. When you receive such promotional communications from us, you will have the opportunity to “opt-out” (by following the unsubscribe instructions provided in the email you receive). We do need to send you certain communications regarding the Services and you will not be able to opt out of those communications – e.g., communications regarding updates to our Terms of Service or this Privacy Policy or information about billing.

Opt-out of Ad Tracking. You can opt out of the collection and use of your information for ad targeting by going to http://www.aboutads.info/choices or http://www.youronlinechoices.eu/ to limit collection through the Site, by configuring the settings on your browser, or by using cookie blocking extensions in your browser (such as Privacy Badger or Ghostery).

Modifying Your Information. You can access and modify the Personal Data associated with your account by sending an email to privacypolicy@inotrah.com. If you want us to delete your Personal Data or your account, please contact us at appsupport@inotrah.com with your request. We’ll take steps to delete your information as soon as we can, but some information may remain in archived/backup copies for our records or as otherwise required by law.

Non-Affiliate Marketing. We do not currently share Personal Data with third parties seeking to market their own products or services to our Users, unless you indicate to us an interest in that third party’s products or services. However, in the event that the company would begin sharing such information for such purpose, Users will be allowed to opt out of such sharing.

Responding to Do Not Track Signals. Our Site does not currently have the capability to respond to “Do Not Track” signals received from various web browsers.

Automated Decision Making. We may use automated decision-making to decide whether we can provide services to you based on automated identity verification. If you wish to have a human review the decision or otherwise object, you may do so by contacting us at privacypolicy@inotrah.com.

The Security of Your Information. We take reasonable administrative, physical, and electronic measures designed to protect the information that we collect from or about you (including your Personal Data) from unauthorized access, use or disclosure. When you enter sensitive information on our forms, we encrypt this data using SSL or other technologies. Please be aware, however, that no method of transmitting information over the Internet or storing information is completely secure. Accordingly, we cannot guarantee the absolute security of any information.

Data Retention. We need to retain the information you provide us in order to provide our Services, and we retain such information for as long as you maintain your account, at a minimum. We also retain certain relevant information, including transaction, location, device, and usage information, for as long as it is required to do so, in connection with regulatory, tax, insurance, legal, administrative, and other requirements. You may request deletion of your account at any time as provided above. Following such a request, we will delete the information that it is not necessary to retain. In certain circumstances, we may be unable to delete your account, such as if there is an outstanding credit or debt on your account or an unresolved dispute, ongoing investigation (e.g. for fraud or misuse), or we believe that we may be required

to retain your account for legal reasons. Upon resolution of the issue preventing deletion, we will delete your account as described above. We may also retain certain information if necessary for our legitimate business interests, such as fraud prevention and enhancing Users’ safety and security. For example, if we shut down a User’s account because of security or fraud incidents, we may retain certain information about that account to prevent that User from opening a new account in the future.

Links to Other Sites. Our Services may contain links to websites and services that are owned or operated by third parties (each, a “Third-party Service”). Any information that you provide on or to a Third-party Service or that is collected by a Third-party Service is provided directly to the owner or operator of the Third-party Service and is subject to the owner’s or operator’s privacy policy. We’re not responsible for the content, privacy, or security practices and policies of any Third-party Service. To protect your information we recommend that you carefully review the privacy policies of all Third-party Services that you access.

Cross Border Transfer Your Personal Data may be transferred to, and maintained on, computers located outside of your state, province, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction.

Our Policy Toward Children. Our Services are not directed to children under 13, and we do not knowingly collect Personal Data from children under 13. If we learn that we have collected Personal Data of a child under 13, we will take steps to delete such information from our files as soon as possible.

Questions? Please contact us at privacypolicy@inotrah.com if you have any questions about our Privacy Policy.

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3.            Inotrah Delivery Policy

Last Updated: 05 April 2024

Company Information

Address: No:8 The Homestead,, Lombardy Road, Broadacres, Fourways 2021. Gauteng, South Africa Phone: +27 11 465 0421

Mobile: +27 78 620 7461

Email: hello@inotrah.com

Website: www.inotrah.com

At Inotrah, we prioritize the safe and secure delivery of precious metals to our customers worldwide. We understand the complexities involved in shipping valuable goods and have established a comprehensive delivery policy to ensure a seamless and secure process. Please review the following policy carefully:

Shipping Methods:

• We offer various shipping methods to accommodate the needs and preferences of our customers, including standard and expedited shipping
• All shipments are handled by reputable courier services with extensive experience in handling precious metals and ensuring secure

Delivery Timeframes:

• The estimated delivery times vary depending on the shipping method selected, destination location, and any customs clearance

• Customers will be provided with an estimated delivery timeframe at the time of purchase, and tracking information will be provided once the shipment is

Security Measures:

• Inotrah implements stringent security measures to safeguard the shipment of precious metals from theft, loss, or damage during
• All packages are discreetly packaged and do not display any branding or labeling that may indicate the
• Shipments are insured to their full value to provide additional protection against unforeseen circumstances during

Signature Requirement:

• For added security, all shipments of precious metals require a signature upon This ensures that the package is received by the intended recipient and minimizes the risk of theft or misplacement.

Shipping Restrictions:

• notrah complies with international shipping regulations and restrictions governing the transportation of precious
• Customers are responsible for ensuring that their country’s import regulations allow for the shipment of precious metals and for any applicable customs duties or

Delivery Address:

• Customers are responsible for providing accurate and complete delivery information, including the recipient’s name, address, and contact
  • notrah is not liable for any delays or issues arising from inaccurate or incomplete delivery information provided by the

Lost or Delayed Shipments:

• In the rare event that a shipment is lost or delayed during transit, customers are encouraged to contact our customer support team for

• We will work with the courier service to investigate the situation and provide updates to the customer regarding the status of their

Contact Information:

• For any inquiries or assistance regarding delivery, customers can contact our customer support team at email: hello@inotrah.com or phone number: +27 11 465

Policy Updates:

• Inotrah reserves the right to update or modify this delivery policy at any time without prior Any changes will be effective immediately upon posting on our website.

By making a purchase through the Inotrah platform, customers acknowledge and agree to abide by the terms and conditions outlined in this delivery policy, ensuring the secure and timely delivery of precious metals worldwide.

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4.            Cancellation Policy

Last Updated: 05 April 2024

1.  General Cancellation Terms:

1. Customers may cancel their order placed on the Inotrah platform subject to the terms and conditions outlined in this

1. Inotrah reserves the right to refuse or limit cancellations at its discretion, particularly for orders involving customized or special-order

2.  Cancellation Window:

1. Customers may cancel their order within 24 hours of placing it on the Inotrah
   1. Once the cancellation window has elapsed, orders are considered final and cannot be canceled or

3.  Cancellation Process:

1. To cancel an order, customers must submit a cancellation request through their Inotrah account or contact Inotrah customer support

1. Cancellation requests must include the order number and relevant details to facilitate

4.  Refund Eligibility:

1. Orders canceled within the specified cancellation window may be eligible for a full refund of the purchase
   1. Refunds will be issued using the original payment method and currency used for the
2. Inotrah reserves the right to withhold refunds for canceled orders that do not meet the criteria outlined in this

5.  Non-Cancellable Orders:

1. Certain orders may be non-cancellable and non-refundable, including but not limited to:

1. Orders for customized or personalized
   1. Orders involving special-order
      1. Customers will be notified at the time of purchase if their order falls under the non-cancellable

6.  Security Measures:

1. Inotrah implements stringent security measures to verify the identity of customers requesting cancellations to prevent unauthorized access and fraudulent

1. Customers may be required to provide additional information or documentation to validate their cancellation

7.  Compliance with Regulations:

1. Inotrah complies with all applicable international regulations governing cancellations and refunds, including consumer protection laws and
2. Customers are encouraged to familiarize themselves with their rights and obligations under relevant laws before requesting a

8.  Amendments:

1. Inotrah reserves the right to update or modify its Cancellation Policy at any time without prior
   1. Any changes to the policy will be effective immediately upon publication on the Inotrah

9.  Contact Information:

1. For inquiries or assistance regarding the Cancellation Policy, customers can contact Inotrah’s customer support
   1. Contact information is available on the Inotrah website and other official communication

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5.            Return Policy

Last Updated: 05 April 2024

Company Information

Address: No:8 The Homestead,, Lombardy Road, Broadacres, Fourways 2021. Gauteng, South Africa Phone: +27 11 465 0421

Mobile: +27 78 620 7461

Email: hello@inotrah.com

Website: www.inotrah.com

Overview:

Inotrah is committed to customer satisfaction and endeavors to provide high-quality precious metals products. However, we understand that there may be instances where you need to return or exchange your purchase. This Return Policy outlines the procedures and guidelines for returning items purchased from Inotrah.

Eligibility:

• To be eligible for a return, your item must meet the following criteria:

• The item must be in its original condition and
• The return request must be initiated within [X] days from the date of
• The item must be accompanied by proof of purchase, such as a receipt or order

Exclusions:

• The following items are not eligible for return:

• Items that have been tampered with, damaged, or altered after
• Bullion products or items purchased through special promotions or sales
• Items that were customized or specially ordered for the

Return Process:

• To initiate a return, please follow these steps:
• Contact Inotrah Customer Support at [contact information] to request a Return Merchandise Authorization (RMA)
• Pack the item securely in its original packaging, including all accessories and

• Clearly mark the RMA number on the outside of the
• Ship the item to the address provided by Inotrah Customer
  • Once the returned item is received and inspected, we will notify you of the approval or rejection of your

*Please refer to the comprehensive refund policy provided above.

Refund Policy:

If your return is approved, we will initiate a refund to your original method of payment. The time frame for processing refunds may vary depending on the payment method and financial institution. Inotrah reserves the right to withhold a portion of the refund amount if the returned item does not meet the eligibility criteria outlined in this policy.

Shipping Costs:

Customers are responsible for covering the shipping costs associated with returning items to Inotrah. Inotrah will not reimburse customers for any shipping expenses incurred unless the return is due to a mistake on our part or a defective product.

Security Measures:

Inotrah employs stringent security measures to ensure the safe handling and transportation of precious metals. All returned items are subject to thorough inspection to verify their authenticity and condition before processing refunds or exchanges.

Contact Information:

If you have any questions or concerns about our Return Policy, please contact Inotrah Customer Support at email: hello@inotrah.com or phone number: +27 11 465 042. Our team is available to assist you and address any inquiries regarding returns or exchanges.

Modifications to Policy:

Inotrah reserves the right to amend or update this Return Policy at any time without prior notice. It is the responsibility of the customer to review the policy periodically for any changes or revisions.

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6.            Refund Policy

Last Updated: 05 April 2024

Company Information

Address: No:8 The Homestead,, Lombardy Road, Broadacres, Fourways 2021. Gauteng, South Africa Phone: +27 11 465 0421

Mobile: +27 78 620 7461

Email: hello@inotrah.com

Website: www.inotrah.com

At Inotrah, we understand the unique nature of dealing with precious metals and the complexities involved in their sale and return. Therefore, we have established a comprehensive refund policy to ensure a fair and transparent process for our customers. Please read the following policy carefully:

Refund Eligibility:

• Refunds are applicable only for purchases made directly through the Inotrah
  • To be eligible for a refund, customers must submit a refund request within 7 days from the date of
• Refunds will only be considered for unopened and undamaged precious metal products.

Valid Reasons for Refunds:

• The purchased precious metals do not meet the quality standards as described on our

• The delivered items are damaged or defective upon
• In cases where the customer cancels an order before it is processed and shipped.

Non-Refundable Items:

• Due to the volatile nature of precious metal prices, refunds will not be issued for changes in market value after the purchase has been
  • Shipping and handling charges incurred at the time of purchase are non-refundable.

Refund Process:

• Customers must initiate the refund process by contacting our customer support team via email or

• The request should include the order number, details of the item(s) to be refunded, and the reason for the
  • Our team will review the request and assess its eligibility based on our refund
    • If the refund request is approved, the customer will be provided with instructions on how to return the item(s) to our designated
  • Once the returned item(s) are received and inspected, we will notify the customer of the approval or rejection of the
  • if approved, the refund shall be processed expeditiously, with the timing contingent upon the initial payment modality utilised, and shall be credited

Processing Time: Once the refund request is initiated, the processing time normally varies depending on the payment method used for the purchase as follows:

• Credit Card or Debit Card: Refunds to credit or debit cards usually take 5 to 10 business days to reflect on the customer’s account. However, it may take longer for the refunded amount to appear on the customer’s statement due to the bank’s processing

• PayPal or Other Digital Wallets: Refunds processed through digital wallets like PayPal may be quicker, typically within 1 to 3 business

• Bank Transfer or Direct Deposit: Refunds via bank transfer or direct deposit may take 3 to 5 business days to reflect in the customer’s bank

Exceptions:

• Inotrah reserves the right to deny any refund request that does not comply with our refund policy or if the returned item(s) show signs of misuse or damage not caused during

Contact Information:

• For any inquiries or assistance regarding refunds, customers can contact our customer support team at email: hello@inotrah.com or phone number: +27 11 465

Policy Updates:

• Inotrah reserves the right to update or modify this refund policy at any time without prior Any changes will be effective immediately upon posting on our website.

By making a purchase through the Inotrah platform, customers acknowledge and agree to abide by the terms and conditions outlined in this refund policy, recognising the unique considerations associated with the sale and return of precious metals.

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7.            Currency Policy

Last Updated: 05 April 2024

1.  Acceptable Currencies:

1. Inotrah accepts payments in United States Dollars (USD), Euros (EUR), and British Pounds (GBP) for the purchase of precious metals and related
2. All transactions, pricing, and refunds will be conducted exclusively in the accepted currencies mentioned

2.  Currency Exchange:

1. Inotrah does not provide currency exchange services. Customers are responsible for any currency conversion fees charged by their financial institution or payment
2. Exchange rates utilized for transactions are determined by the customer’s financial institution or payment processor at the time of

3.  Payment Method:

1. Payment for orders placed on the Inotrah platform must be made using one of the accepted currencies mentioned

1. Inotrah reserves the right to reject any payment method not denominated in the accepted

4.  Currency Risk:

1. Customers are solely responsible for any currency exchange rate fluctuations that may occur between the time of purchase and
   1. Inotrah is not liable for any loss incurred due to currency exchange rate

5.  Security Measures:

1. Inotrah implements robust security measures to safeguard transactions conducted in accepted currencies against unauthorized access, fraud, and other financial

1. Customers are encouraged to ensure the security of their payment information and report any suspicious activity to Inotrah

6.  Compliance with Regulations:

1. Inotrah adheres to all relevant international regulations governing currency transactions, including but not limited to anti-money laundering (AML) and know your customer (KYC)
2. Customers are required to provide accurate and verifiable information as part of the transaction process to comply with regulatory

7.  Amendments:

1. Inotrah reserves the right to update or modify its Currency Policy at any time without prior
   1. Any changes to the policy will be effective immediately upon publication on the Inotrah

8.  Contact Information:

1. For inquiries or assistance regarding the Currency Policy, customers can contact Inotrah’s customer support
   1. Contact information is available on the Inotrah website and other official communication

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8. Copyright Policy

Notice & Takedown Procedure

Last Updated: 05 April 2024

Inotrah respects the intellectual property rights of others and expects its users to do the same. Inotrah complies with South African copyright laws, including the Copyright Act, by responding to notices of alleged copyright infringement that comply with the relevant legislation. As part of our response, we may remove or disable access to published or hosted material that is claimed to be infringing. We will make a good-faith attempt to contact the person who submitted the potentially infringing material so that they may choose to make a counter notification, also in accordance with South African copyright laws.

Before serving either a Notice of Infringing Material or Counter-Notification, you may wish to consult with a legal professional to gain a better understanding of your rights and obligations under South African copyright laws, including the Copyright Act. The following notice requirements are intended to comply with our rights and obligations under South African copyright laws and do not constitute legal advice.

Notice of Infringing Material

To file a notice of infringing content published or hosted by Inotrah, please provide the following information by postal mail or email to the DMCA agent identified below:

1. Reasonably sufficient details to enable us to identify the work claimed to be infringed or, if multiple works are claimed to be infringed, a representative list of such works (for example: title, author, any registration or tracking number, URL);
2. Reasonably sufficient detail to enable us to identify and locate the material that is claimed to be infringing;
   3. Your contact information so that we can contact you (for example, your address, telephone number, email address);
3. A statement that you have a good faith belief that the use of the material identified in (2) is not authorized by the copyright owner, its agent, or the law;

5. A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner of the exclusive right that is alleged to be
6. Your physical or electronic

To inquire about copyright matters in South Africa, you can contact the Companies and Intellectual Property Commission (CIPC) or the Southern African Federation Against Copyright Theft (SAFACT). Here are their contact details:

Companies and Intellectual Property Commission (CIPC):

Website: https://www.cipc.co.za/ Email: info@cipc.co.za

Phone: +27 (0)12 394 9973

Southern African Federation Against Copyright Theft (SAFACT):

Website: https://www.safact.co.za/ Email: info@safact.co.za

Phone: +27 (0)11 781 0225

These organisations can provide information and assistance regarding copyright inquiries and related matters in South Africa.

Inotrah may request additional information before removing any allegedly infringing material. In the event Inotrah removes the allegedly infringing materials, we will immediately notify the person responsible for posting such materials that we removed or disabled access to the materials. Inotrah may also provide the responsible person with your email address so that the person may respond to your allegations.

Counter-Notification

If material of yours that was published or hosted by Inotrah has been taken down pursuant to a Notice of Infringing Material, you may file a counter-notification that contains the following details:

1. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or disabled (for example, the URL);

2. A statement, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material in question;

3. Your name, address and telephone number;

4. A statement that you consent to the jurisdiction of the relevant South African court where your address is located, or if your address is outside of South Africa, the jurisdiction where Inotrah operates, and that you will accept service of process from the person who submitted a notice in compliance with South African copyright laws, as generally described above;

5. Your physical or electronic

Then send the notice by e-mail to: hello@inotrah.com

Repeat Infringers

It is Inotrah’s policy, in appropriate circumstances, to terminate the accounts of users who are repeat copyright infringers or are repeatedly charged with infringement.

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9. Terms and Conditions: Governing Laws and Jurisdiction Last Updated: 05 April 2024

1.  Applicability:

1. These Terms and Conditions (hereinafter referred to as “Terms”) govern the use of services provided by Inotrah, a reputable precious metals selling company, operating within South Africa, Africa, and

1. By accessing or utilizing the services offered by Inotrah, users implicitly agree to abide by and comply with these

2.  Governing Laws:

1. These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa, without giving effect to any principles of conflicts of

1. Inotrah operates in strict adherence to the laws and regulations of South Africa, Africa, and any other pertinent jurisdictions where its services are

3.  Jurisdiction:

1. Any dispute, claim, or controversy arising from or in connection with these Terms, including its breach, termination, enforcement, interpretation, or validity, shall be exclusively subjected to the jurisdiction of the courts of the Republic of South

1. Inotrah reserves the unambiguous right to commence legal proceedings against users in any jurisdiction to protect its rights under these Terms or relevant

4.  International Operations:

1. Inotrah duly recognizes its international operations and pledges to adhere to the laws and regulations of all countries where it conducts
   1. Users accessing Inotrah’s services from locations beyond South Africa or Africa do so at their sole risk and are obligated to comply with the respective local laws and

5.  Compliance with Regulations:

1. Inotrah is steadfastly committed to compliance with all pertinent laws, regulations, and industry standards governing the sale and distribution of precious metals and allied
2. Users bear the responsibility of ensuring their full compliance with applicable laws and regulations when availing themselves of Inotrah’s services, including but not limited to customs regulations, import/export restrictions, and tax

6.  Severability:

1. Should any provision of these Terms be deemed invalid, illegal, or unenforceable by a competent court, the remaining provisions shall continue to be in full force and effect to the maximum extent permissible by

1. Inotrah reserves the discretionary right to amend or modify these Terms, as necessary, to ensure compliance with prevailing laws and regulations, without prior notification to

7.  Contact Information:

For any queries or concerns regarding these Terms, users may reach out to Inotrah’s legal department through the contact information provided on the Inotrah website or official communication channels.

8.  Acceptance of Terms:

1. By accessing or utilizing Inotrah’s services, users expressly acknowledge that they have carefully read, comprehended, and agreed to be bound by these

1. Users who dissent from these Terms are advised to abstain from accessing or utilizing Inotrah’s

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10. Accessibility Statement

Our Commitment to Accessibility

Last Updated: 05 April 2024

Inotrah Inc. is committed to making our website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at (+27) 11 465 0421 or email our team at hello@inotrah.com with “Disabled Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement.

We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies.

Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

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