General terms and conditions

1. General Provisions and Scope

1.1 These General Terms and Conditions (hereinafter "T&C") of Life-Coaching-Finance, proprietor Jürgen A. Kettner e.K., Schönbühlstr. 9, 78052 Villingen-Schwenningen (hereinafter "Kettner-Edelmetalle") apply to all business relationships concluded between Kettner-Edelmetalle and a consumer or entrepreneur, a legal entity under public law or a special fund under public law (hereinafter collectively the "Customer") via the German ordering channels of Kettner-Edelmetalle, i.e. in particular the German online shop of Kettner-Edelmetalle — available at: https://www.kettner-edelmetalle.de — (hereinafter "Online Shop") or via the Kettner-Edelmetalle app — where the country selected is "Germany" — (hereinafter "App") (Customer and Kettner-Edelmetalle hereinafter each individually also a "Party" and collectively the "Parties"). A "Consumer" is any natural person who enters into the contract for a purpose that can be attributed neither to their commercial nor to their independent professional activity (§ 13 BGB); an "Entrepreneur" is a natural or legal person or a partnership with legal capacity who, when concluding the contract, acts in the exercise of their commercial or independent professional activity (§ 14 (1) BGB).

1.2 These T&C apply in particular to contracts for the sale and/or delivery of movable goods ("Goods") offered by Kettner-Edelmetalle in its Online Shop or its App, regardless of whether Kettner-Edelmetalle manufactures the Goods itself or purchases them from suppliers (§§ 433, 650 BGB).

1.3 The T&C apply in the version valid at the time of the Customer's order. For entrepreneurs, legal entities under public law or special funds under public law, the version of the T&C last communicated to the Customer in text form shall in any case apply as a framework agreement for similar future contracts, without Kettner-Edelmetalle having to refer to the applicability of these T&C in each individual case.

1.4 These T&C apply exclusively. Deviating, conflicting or supplementary general terms and conditions of the Customer shall only become part of the contract if and to the extent that Kettner-Edelmetalle has expressly consented to their applicability at least in text form (e.g. email). This consent requirement applies in every case, e.g. also if Kettner-Edelmetalle carries out delivery to the Customer without reservation while being aware of the Customer's general terms and conditions.

1.5 Individual agreements made with the Customer in individual cases (including side agreements, supplements and amendments) shall take precedence over these T&C. Subject to proof to the contrary, a contract between the Parties or confirmation by Kettner-Edelmetalle at least in text form (e.g. email) shall be authoritative for the content of such agreements.

1.6 Legally relevant declarations and notices by the Customer in relation to the contract (e.g. setting of deadlines, notification of defects, withdrawal or reduction) must be made at least in text form (e.g. email). Statutory form requirements and further evidence, in particular in cases of doubt regarding the legitimacy of the declarant, remain unaffected.

1.7 References to the applicability of statutory provisions are for clarification purposes only. Even without such clarification, the statutory provisions shall therefore apply unless they are directly amended or expressly excluded in these T&C.

1.8 Alcoholic beverages are sold or handed over exclusively to customers who are 16 years of age or older. Spirits (high-proof alcohol) and mixed drinks containing spirits (e.g. alcopops), however, are only sold or handed over to customers who are 18 years of age or older.

2. Conclusion of Contract

2.1 Offers from Kettner-Edelmetalle are — unless designated otherwise — always subject to change and non-binding. This also applies if Kettner-Edelmetalle has provided the Customer with catalogues, calculations, costings or other product descriptions or documents, including in electronic form.

2.2 The Customer's order of the Goods constitutes a binding offer by the Customer to conclude a contract. The Customer may place orders by telephone, via the Online Shop (https://www.kettner-edelmetalle.de) or via the App. The App is available in the Google Play Store and the Apple App Store.

2.3 In the case of telephone orders, the Customer's order is recorded manually in the Kettner-Edelmetalle system as if the Customer had placed the order online themselves.

2.4 The following applies to orders placed in the Online Shop or via the App:

2.4.1 The presentation of the Goods in the Online Shop or in the App does not constitute a legally binding offer. It is merely an invitation to the Customer to submit a binding offer to purchase Goods.

2.4.2 In the Online Shop or in the App, the Customer can select Goods from the Kettner-Edelmetalle range for purchase by placing products in their virtual shopping basket by clicking the corresponding button. In the shopping basket, the Customer can in particular adjust the quantities of the Goods and delete Goods from the shopping basket.

2.4.3 The Customer can complete an order by calling up the shopping basket and initiating the ordering process via the "Checkout" button. During the ordering process, the Customer provides in particular delivery and payment details and can correct these.

2.4.4 The Customer submits a binding offer to purchase the Goods contained in their shopping basket by clicking the "Buy now" button in the final step of the ordering process (the "Order"). By placing the Order, the Customer agrees to the applicability of these T&C.

2.4.5 Before placing an Order, the Customer can correct their entries and any input errors (e.g. regarding payment method, delivery address or the desired quantity) at any time. The Customer can cancel the ordering process entirely by closing their browser window or the App.

2.4.6 Before placing the Order, the Customer can view these T&C as well as the withdrawal policy of Kettner-Edelmetalle by clicking the corresponding link. The links are located above the "Buy now" button.

2.4.7 Immediately after placing the Order, the Customer receives an email confirming receipt of their Order by Kettner-Edelmetalle. This confirmation of receipt does not yet constitute acceptance of the Order.

2.5 A contract between the Customer and Kettner-Edelmetalle is concluded — both for telephone orders and for orders placed via the Online Shop or the App — only when Kettner-Edelmetalle expressly accepts the Customer's Order by written order confirmation (letter or email) or by dispatching the Goods to the Customer. The order confirmation also provides the Customer with the content of the contract on a durable medium.

2.6 Unless the Order provides otherwise, Kettner-Edelmetalle is entitled to accept the Customer's Orders within five (5) working days of receipt of the Order. "Working days" within the meaning of these T&C are all days from Monday to Friday with the exception of public holidays at the registered office of Kettner-Edelmetalle.

2.7 The contract is concluded exclusively in German. The text of the contract is not stored by Kettner-Edelmetalle after conclusion of the contract.

2.8 Communication with the Customer in the course of concluding the contract regularly takes place by email. The Customer must therefore ensure that the email address provided by them during the ordering process or otherwise to Kettner-Edelmetalle is correct and that they receive emails from Kettner-Edelmetalle. In particular, it is incumbent on the Customer to configure any spam filters used accordingly for the receipt of emails from Kettner-Edelmetalle.

3. Combined Orders

3.1 The Customer has the option of placing combined orders. This means that the Customer can supplement an Order already placed by telephone, in the Online Shop or via the App (see Section 2.3 and Section 2.4.4) with further Orders within a certain period (see Sections 3.2 and 3.3 below), which are then combined into a single order (hereinafter "Combined Order"). Each Order within a Combined Order is a binding Order pursuant to Section 2.3 or Section 2.4.4 of these T&C. The advantage for the Customer, however, is that due to the consolidation into a Combined Order, shipping costs are incurred only once.

3.2 The option of a Combined Order ends after 30 minutes of inactivity, i.e. if 30 minutes elapse since the Customer's last Order without the Customer placing another Order, the individual Order or an existing Combined Order is automatically closed.

3.3 A deviation from Section 3.2 of these T&C applies in the context of live sales or live events (hereinafter "Live Events"). During Live Events, the Customer can place a Combined Order by telephone, in the Online Shop or via the App for the duration of the Live Event. This means that the Customer can place Orders on an ongoing basis during the Live Event (see Section 2.3 and Section 2.4.4 of these T&C) without the automatic inactivity closure pursuant to Section 3.2 of these T&C taking effect. After the end of the Live Event, i.e. once an admin has ended the live stream, the Orders placed during the Live Event are combined into one Combined Order and dispatched to the Customer.

3.4 A Combined Order can generally also be placed as a guest — i.e. without registration (see Section 5 of these T&C). However, it should be noted that a Combined Order as a guest is only possible if the individual Orders are placed from the same device.

4. Withdrawal

4.1 Consumers (see Section 1.1 of these T&C) have a 14-day right of withdrawal when concluding a distance contract. A distance contract exists if the contract is concluded exclusively by means of distance communication — in particular by letter, telephone, email, fax or via the internet (e.g. online shop or app).

Please note: Please observe Section 4.2 of these T&C below, which provides for a statutory exclusion of the right of withdrawal for the purchase of precious metals.

We inform you about the statutory right of withdrawal in accordance with the statutory provisions as follows:

– Withdrawal Policy –

Right of withdrawal

You have the right to withdraw from the contract within fourteen days without giving any reason.

The withdrawal period is fourteen days from the day

- on which you or a third party named by you, who is not the carrier, took possession of the goods, provided that you ordered one or more goods as part of a single order and these are delivered in a single delivery;

- on which you or a third party named by you, who is not the carrier, took possession of the last goods, provided that you ordered several goods as part of a single order and these are delivered separately;

- on which you or a third party named by you, who is not the carrier, took possession of the last partial shipment or the last item, provided that you ordered goods that are delivered in several partial shipments or items.

In order to exercise your right of withdrawal, you must inform us (Life-Coaching-Finance, Jürgen A. Kettner, Customer Service Department, Schönbühlstr. 9, 78052 Villingen-Schwenningen, telephone: 07930-2699, email: service@kettner-edelmetalle.de) of your decision to withdraw from the contract by means of a clear declaration (e.g. a letter sent by post or an email). You may use the model withdrawal form below for this purpose, although this is not mandatory. You can also exercise your right of withdrawal online via the online shop through which you concluded the contract (https://www.kettner-edelmetalle.de), or via the Kettner-Edelmetalle app through which you concluded the contract. If you use this online function, we will send you confirmation of receipt on a durable medium (e.g. by email) without delay, including information on the content of the withdrawal declaration as well as the date and time of its receipt.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Consequences of withdrawal

If you withdraw from the contract, we shall reimburse to you all payments received from you, including the costs of delivery (with the exception of the supplementary costs resulting from your choice of a type of delivery other than the least expensive type of standard delivery offered by us), without undue delay and in any event not later than fourteen days from the day on which we are informed about your decision to withdraw from the contract. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement. We may withhold reimbursement until we have received the goods back or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods without undue delay and in any event not later than fourteen days from the day on which you communicate your withdrawal from this contract to us, to us (Life-Coaching-Finance, Jürgen A. Kettner, Schönbühlstr. 9, 78052 Villingen-Schwenningen). The deadline is met if you send back the goods before the period of fourteen days has expired.

You will have to bear the direct cost of returning the goods.

You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

– End of the Withdrawal Policy –

We inform you about the model withdrawal form in accordance with the statutory provisions as follows:

– Model Withdrawal Form –

(If you wish to withdraw from the contract, please complete this form and send it back to us.)

- To Life-Coaching-Finance, Jürgen A. Kettner, Customer Service Department, Schönbühlstr. 9, 78052 Villingen-Schwenningen, telephone number: 07930-2699, email address: service@kettner-edelmetalle.de

- I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/ for the provision of the following service (*)

- Ordered on (*)/ received on (*)

- Name of consumer(s)

- Address of consumer(s)

- Signature of consumer(s) (only if this form is notified on paper)

- Date

(*) Delete as appropriate

– End of the Model Withdrawal Form –

Exclusion of the right of withdrawal:

4.2 However, pursuant to § 312g (2) No. 8 BGB, consumers have no right of withdrawal in the case of distance contracts for the delivery of goods whose price depends on fluctuations on the financial market over which the entrepreneur (here: Kettner-Edelmetalle) has no influence and which may occur within the withdrawal period. This applies in particular to trading in precious metals. The right of withdrawal therefore does not exist for the purchase of precious metals.

5. Registration, Guest Orders

5.1 The Customer can place telephone orders, orders in the Online Shop and orders in the App either as a registered customer or as a guest order.

5.2 In the case of telephone orders, the Customer can choose over the phone whether they wish to register or order as a guest. If the Customer opts for registration, the Customer's corresponding data is recorded manually in the Kettner-Edelmetalle system as if the Customer had carried out the registration online themselves (cf. Section 5.3 of these T&C below).

5.3 Registration can take place both in the Online Shop and in the App, either independently of a specific order or as part of an ordering process. For registration, the Customer must provide the required mandatory information, in particular an email address and a mobile number, and set a password. For verification purposes, a code is sent both to the email address provided and to the mobile number provided (by SMS), which the Customer must enter in order to continue the registration. Without entering both correct codes, the registration cannot be continued. Once registration is complete, the Customer receives a welcome email from Kettner-Edelmetalle confirming the registration — and thus the opening of a customer account.

5.4 The data transmitted by the Customer during registration must be complete and truthful. In the event of changes to their data, the Customer must update the data in their customer account without delay and on their own initiative. Should the Customer's email address change, the Customer cannot make this change themselves but must notify Kettner-Edelmetalle Customer Service of this change without delay by telephone (telephone number: 07930-2699) or by email (service@kettner-edelmetalle.de), which will make the change after verifying the Customer's identity.

5.5 The Customer is responsible for protecting their access data for the customer account, in particular their password. The Customer is liable for damage arising from the loss/misuse of the access data or other unauthorised use of the customer account, unless the Customer is not at fault. If the Customer becomes aware of the loss/misuse of their access data, in particular their password, and/or unauthorised use of their customer account, they are obliged to notify Kettner-Edelmetalle without delay.

6. Prices and Shipping Costs

6.1 The prices stated in the Online Shop or in the App at the time of the Customer's order, or communicated to the Customer, shall apply. Prices are inclusive of the applicable statutory value added tax. If items do not include value added tax, e.g. certain gold coins or gold bars, this is indicated during the ordering process.

6.2 Prices apply excluding shipping of the Goods, unless otherwise stated in the offer from Kettner-Edelmetalle (see Section 2.1 of these T&C). When ordering, the Customer can also commission the shipping of the Goods at their own expense. Kettner-Edelmetalle states the price for shipping the Goods to a delivery address specified by the Customer in the Online Shop or in the App, or informs the Customer of the price on request. Any customs duties, fees, taxes and other public charges shall be borne by the Customer. For insurance reasons, Kettner-Edelmetalle reserves the right to split larger orders into several parcels. Any additional costs arising from such a split shall be borne by Kettner-Edelmetalle, unless expressly agreed otherwise with the Customer.

6.3 The Online Shop and the App are not connected to an automated trading system. Nevertheless, the prices displayed in the Online Shop or in the App are adjusted by Kettner-Edelmetalle, possibly several times a day, depending on the price development of the precious metals. Price changes to Goods that the Customer has placed in their virtual shopping basket are displayed to the Customer before they place their Order. The decisive factor is the purchase price communicated to the Customer by telephone or displayed in the shopping basket immediately before they place their Order (see Section 2.3 and Section 2.4.4 of these T&C) and confirmed in the confirmation of receipt (see Section 2.4.7 of these T&C).

7. Use of Promotional Vouchers and Discount Codes

7.1 Kettner-Edelmetalle reserves the right to issue promotional vouchers and discount codes as part of advertising campaigns, which cannot be purchased and which are subject to a specific validity period and a specific minimum order value (promotional vouchers and discount codes hereinafter collectively "Price Reduction").

7.2 The Customer is entitled to redeem a Price Reduction in the form of a code before placing the Order (see Section 2.3 and Section 2.4.4 of these T&C). The Price Reduction is offset once against the price pursuant to Section 6 of these T&C. The crediting of a Price Reduction is excluded after the Customer has placed the Order (see Section 2.3 and Section 2.4.4 of these T&C).

7.3 Unless otherwise indicated, a Price Reduction is only granted from a minimum order value of EUR 50.00.

7.4 A Price Reduction is only granted within an advertising campaign, unless otherwise agreed in individual cases or otherwise promised by Kettner-Edelmetalle.

7.5 A combination of different Price Reductions (hereinafter "Combination") is not permitted. Within an advertising campaign or promotion, a Customer is only entitled to one Price Reduction (hereinafter "Single Offsetting"). If the Customer circumvents the prohibition of Combination or Single Offsetting, e.g. by offsetting a Price Reduction multiple times against prices of orders from several customer accounts registered to the Customer (hereinafter "Unauthorised Offsetting"), Kettner-Edelmetalle is entitled to demand the original price pursuant to Section 6 of these T&C.

7.6 Kettner-Edelmetalle reserves the right to prosecute Unauthorised Offsetting of Price Reductions pursuant to Section 7.5 of these T&C. This also includes attempted Unauthorised Offsetting.

7.7 No cash payment of the Price Reduction is granted.

8. Compliance with the Provisions of the German Money Laundering Act (GwG)

Kettner-Edelmetalle complies with its obligations arising from the provisions of the German Money Laundering Act (GwG).

9. Payment Terms

9.1 Payment of the purchase price is due immediately upon conclusion of the contract, unless otherwise agreed.

9.2 Payment shall generally be made in advance. For orders with a purchase price of up to EUR 2,000.00, the Customer may also choose payment on delivery (UPS cash on delivery), provided the place of delivery is in Germany. Payment must then be made to the deliverer concurrently against handover of the Goods. It is expressly pointed out that in the case of UPS cash on delivery payments, the Customer must have the invoice amount ready in cash and in the exact amount. If a parcel cannot be delivered for reasons for which the Customer is responsible, in particular because the Customer does not have the exact invoice amount available, the Customer shall bear the return and/or repeat delivery costs.

9.3 The following means of payment are available to the Customer with regard to advance payment:

9.3.1 Payment by bank transfer

9.3.2 Payment by credit card (Mastercard, VISA, American Express) (see Section 9.5 of these T&C)

9.3.3 Payment by Apple Pay or Google Pay (see Section 9.5 of these T&C)

9.3.4 Payment via Klarna (see Section 9.5 of these T&C)

9.4 In the case of payment by means of a payment method offered by PayPal, payment is processed via the payment service provider PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg (hereinafter "PayPal"), subject to the respectively applicable PayPal terms of use (available at: https://www.paypal.com/de/legalhub/paypal/useragreement-full) or — if the Customer does not have a PayPal account — subject to the terms for payments without a PayPal account (available at https://www.paypal.com/de/legalhub/paypal/privacywax-full). If the Customer pays by means of a payment method offered by PayPal and selectable in the online ordering process, the seller hereby declares — in deviation from Section 2.5 of these T&C — acceptance of the Customer's offer at the time at which the Customer clicks the button that completes the ordering process. If the Customer selects payment by direct debit vis-à-vis PayPal — where offered — PayPal will collect the invoice amount from the Customer's bank account on behalf of the seller after issuance of a SEPA direct debit mandate, but not before expiry of the period for the advance notification. "Advance notification" ("Pre-Notification") is any communication (e.g. invoice, policy, contract) to the Customer announcing a debit by SEPA direct debit. If the direct debit is not honoured due to insufficient funds in the account or due to the provision of incorrect bank details, or if the Customer objects to the debit although not entitled to do so, the Customer shall bear the fees incurred as a result of the chargeback by the respective credit institution, if the Customer is responsible for this.

9.5 The payment methods credit card (Mastercard, VISA, American Express), Apple Pay, Google Pay and Klarna are processed — where offered in the online ordering process — via the payment service provider Mollie B.V., Keizersgracht 126, 1015 CW Amsterdam, Netherlands (hereinafter "Mollie"). If the Customer pays by means of a payment method processed via Mollie and selectable in the online ordering process, the seller hereby declares — in deviation from Section 2.5 of these T&C — acceptance of the Customer's offer at the time at which the Customer clicks the button that completes the ordering process. If the payment is not completed, in particular because the Customer aborts the payment process or the payment is declined by the payment service provider, the card-issuing institution or Klarna, no contract is concluded or Kettner-Edelmetalle is entitled to withdraw from the contract. In the case of payment by credit card, the purchase price is charged upon completion of the ordering process or after successful authentication of the cardholder; the terms of the respective card issuer apply in addition. The use of Apple Pay or Google Pay requires registration with the respective provider; its terms of use apply in addition. In the case of payment via Klarna, payment is additionally processed via Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden (hereinafter "Klarna"); the terms of Klarna apply in addition (available at https://www.klarna.com/de/agb/). Where Kettner-Edelmetalle offers invoice purchase or instalment purchase via Klarna, this payment method is only available subject to a successful address and credit check of the Customer by Klarna; there is no entitlement to the provision of this payment method. In this case, Kettner-Edelmetalle assigns its purchase price claim against the Customer to Klarna; the Customer can only make payment to Klarna with debt-discharging effect.

9.6 The Customer shall be in default without a reminder if they have not made payment within three (3) working days of invoicing, unless otherwise agreed. The payment claim shall bear interest during the default at the applicable statutory default interest rate. Kettner-Edelmetalle reserves the right to assert further damages caused by default as well as rights of withdrawal. In relation to merchants, the claim to commercial due-date interest (§ 353 HGB) remains unaffected.

9.7 The Customer shall only be entitled to rights of set-off or retention insofar as their claim has been legally established or is undisputed. This does not apply to the Customer's rights of retention based on counterclaims of the Customer arising from the same contractual relationship. In the case of defects, the Customer's counter-rights, in particular pursuant to Section 14 of these T&C, remain unaffected.

9.8 If, after conclusion of the contract, it becomes apparent (e.g. through an application to open insolvency proceedings) that Kettner-Edelmetalle's claim to remuneration is jeopardised by the Customer's lack of ability to pay, Kettner-Edelmetalle shall be entitled under the statutory provisions to refuse performance and — where applicable after setting a deadline — to withdraw from the contract (§ 321 BGB). In the case of contracts for the manufacture of non-fungible items (custom-made products), Kettner-Edelmetalle may declare withdrawal immediately; the statutory provisions on the dispensability of setting a deadline remain unaffected.

10. Delivery Periods

10.1 The Customer can obtain information about the availability of the Goods at any time by telephone, via the Online Shop or in the App.

10.2 For orders with several line items, delivery takes place in a single overall shipment as soon as all items are available, i.e. the delivery period for the overall shipment is determined by the item with the longest delivery period. Section 11.5 of these T&C remains unaffected.

10.3 Delivery takes place within the delivery period communicated by telephone or stated in the Online Shop and in the App. When placing a telephone order (see Section 2.3 of these T&C), the Customer is informed of the delivery period in the final ordering step before placing a binding Order. In the case of an order in the Online Shop or via the App (see Section 2.4.4 of these T&C), the Customer is informed of the delivery period in the final ordering step before placing a binding Order. The delivery period is also communicated to the Customer again with the confirmation of receipt (see Section 2.4.7 of these T&C) and/or the order confirmation (see Section 2.5 of these T&C).

10.4 If the delivery period is stated as a date range (e.g. delivery takes place between 14 and 16 June), delivery shall take place at the latest on the last-mentioned date (in the example, therefore, on 16 June).

10.5 With the payment method advance payment (see Sections 9.2 and 9.3 of these T&C), delivery shall under no circumstances take place before full receipt of payment in the account of Kettner-Edelmetalle or — in the case of payment methods processed via a payment service provider (see Sections 9.4 and 9.5 of these T&C) — before payment confirmation by the respective payment service provider.

10.6 If it becomes apparent to Kettner-Edelmetalle that Kettner-Edelmetalle cannot meet binding delivery periods, Kettner-Edelmetalle will inform the Customer of this without delay and at the same time communicate the expected new delivery period or the expected new delivery date.

10.7 Kettner-Edelmetalle shall not be liable to the Customer for the postponement of binding delivery periods if Kettner-Edelmetalle is not responsible for the reason for the postponement. In particular, Kettner-Edelmetalle is not responsible for a postponement of binding delivery periods if (i) Kettner-Edelmetalle, despite careful selection and monitoring, is itself not supplied in good time by its suppliers, provided that Kettner-Edelmetalle has concluded a congruent hedging transaction, or (ii) neither Kettner-Edelmetalle nor its suppliers are at fault. Statutory rights of the Customer that do not require fault remain unaffected.

10.8 Kettner-Edelmetalle shall not be liable for the impossibility of delivery or for delays in delivery insofar as these are based on events of force majeure that are beyond the control of Kettner-Edelmetalle, unforeseeable and unavoidable even with reasonable care (hereinafter "Events of Force Majeure"). Events of Force Majeure are, for example, war, terrorism, strikes, changes in law, official measures, infrastructure failures, natural disasters, epidemics or pandemics. Kettner-Edelmetalle shall inform the Customer without delay of the commencement and expected duration of the Event of Force Majeure. In the case of an impediment caused by an Event of Force Majeure that is only of temporary duration (i.e. does not last longer than eight consecutive weeks), the delivery periods shall be extended or postponed by the period of the impediment. If, on the other hand, the impediment is not merely of temporary duration (i.e. lasts longer than eight consecutive weeks), the Parties shall be entitled to withdraw from the contract.

10.9 The Customer's rights under Sections 14 and 16 of these T&C and the statutory rights of Kettner-Edelmetalle, in particular in the event of an exclusion of the obligation to perform (e.g. due to impossibility or unreasonableness of performance and/or subsequent performance), remain unaffected.

11. Delivery, Transfer of Risk

11.1 The Goods are shipped to the delivery address specified by the Customer; by way of derogation, where the payment method PayPal is selected, the delivery address stored with PayPal by the Customer at the time of payment shall be decisive. The same applies, in the case of payment by Apple Pay or Google Pay, to the delivery address specified by the Customer in the respective wallet at the time of payment. Kettner-Edelmetalle ships the Goods to delivery addresses in Germany and other EU member states.

11.2 Unless expressly agreed otherwise, Kettner-Edelmetalle is entitled to determine the type of shipment (in particular transport company, shipping route, packaging) itself at its reasonable discretion.

11.3 If the Customer is an entrepreneur (see Section 1.1 of these T&C), Kettner-Edelmetalle owes only the timely, proper delivery of the Goods to the transport company and is not responsible for delays caused by the transport company.

11.4 Both for telephone orders and for orders placed via the Online Shop or the App, the Customer must provide a complete and truthful billing address before placing the Order. This billing address may not be the address of a parcel shop. Kettner-Edelmetalle expressly reserves the right to refuse delivery/shipment of the Goods if the Customer provides the address of a parcel shop as the billing address. Any additional costs arising from this shall be borne by the Customer.

11.5 Kettner-Edelmetalle is entitled to make partial deliveries to an extent reasonable for the Customer. Additional shipping costs caused by partial deliveries shall be borne by Kettner-Edelmetalle, unless otherwise agreed in individual cases. The Customer's rights with regard to timely and proper delivery shall not be restricted as a result.

11.6 If the Customer is not acting as a consumer (see Section 1.1 of these T&C), the risk of accidental loss and accidental deterioration of the sold Goods passes to the Customer as soon as Kettner-Edelmetalle has delivered the item to the forwarding agent, the carrier or the person or institution otherwise designated to carry out the shipment.

If the Customer is acting as a consumer (see Section 1.1 of these T&C), the risk of accidental loss and accidental deterioration of the sold Goods shall in principle only pass upon handover of the Goods to the Customer or to a person authorised to receive them, or if the Customer is in default of acceptance. By way of derogation, the risk of accidental loss and accidental deterioration of the sold Goods shall also pass to the Customer in the case of consumers as soon as Kettner-Edelmetalle has delivered the item to the forwarding agent, the carrier or the person or institution otherwise designated to carry out the shipment, if the Customer has commissioned the forwarding agent, the carrier or the person or institution otherwise designated to carry out the shipment and Kettner-Edelmetalle has not previously named this person or institution to the Customer.

11.7 If the Customer's order concerns alcoholic beverages, the Customer must have ready and present their identity card or another suitable identification document (e.g. passport) upon delivery for the purpose of verifying their age by way of an ident check carried out by DHL. If delivery of the Goods cannot take place for reasons for which the Customer is responsible, in particular because the Customer cannot sufficiently identify themselves, the Customer shall bear the costs of the return shipment and/or a repeat delivery.

12. Liquidated Damages

12.1 In the event of non-acceptance of the Goods by the Customer or in the event that Kettner-Edelmetalle withdraws from the contract due to the Customer's improper payment, Kettner-Edelmetalle is entitled to demand from the Customer the payment of liquidated damages amounting to 15 % of the net purchase price of the Goods not accepted or — in the case of withdrawal — ordered but no longer owed. The Customer remains at liberty to prove that Kettner-Edelmetalle incurred no damage or only lesser damage. Kettner-Edelmetalle reserves the right to demand from the Customer compensation for damage exceeding the liquidated damages.

12.2 If the Customer has made an advance payment of all or part of the purchase price, Kettner-Edelmetalle is entitled to offset the liquidated damages pursuant to Section 12.1 of these T&C as well as any further damage against the advance payment made. Kettner-Edelmetalle will refund the remaining balance to the Customer.

13. Retention of Title

13.1 Kettner-Edelmetalle retains title to the delivered Goods until full payment of the purchase price (including VAT and shipping costs) for the Goods in question.

13.2 Without the prior written consent (letter or email) of Kettner-Edelmetalle, the Customer is not entitled to dispose of the title to the Goods delivered by Kettner-Edelmetalle and still subject to retention of title ("Reserved Goods"). Dispositions of their expectant right are permitted to the Customer; the Customer is obliged to inform the acquirer of Kettner-Edelmetalle's title and, upon request, to provide Kettner-Edelmetalle with the data on the disposition required to secure its property rights.

13.3 The Customer must handle the Reserved Goods with care.

13.4 In the event of access by third parties — in particular by bailiffs — to the Reserved Goods, the Customer shall inform the third party of Kettner-Edelmetalle's title and notify Kettner-Edelmetalle without delay so that Kettner-Edelmetalle can enforce its property rights.

13.5 In the event of conduct by the Customer in breach of contract, in particular non-payment of the purchase price due, Kettner-Edelmetalle is entitled to withdraw from the contract in accordance with the statutory provisions and subsequently to demand the return of the Reserved Goods. If the Customer does not pay the purchase price due, Kettner-Edelmetalle may only withdraw from the contract if Kettner-Edelmetalle has previously set the Customer a reasonable deadline for payment without success, or if such a deadline is dispensable under the statutory provisions. The Customer shall bear the costs of return (return transport costs) following effective withdrawal.

13.6 If the Customer is an entrepreneur (Section 1.1 of these T&C), the following shall apply in addition:

13.6.1 Kettner-Edelmetalle retains title to the delivered Goods until full payment of all present and future claims to which Kettner-Edelmetalle is entitled from contracts into which these T&C are incorporated and from an ongoing business relationship with the Customer, including all balance claims from current account.

13.6.2 The Customer is entitled to use the Reserved Goods, in particular to resell them in the ordinary course of business, as long as they are not in default of payment. However, the Customer may not pledge the Reserved Goods or assign them as security. The Customer hereby assigns to Kettner-Edelmetalle by way of security and in full, already upon conclusion of the contract, the Customer's payment claims against its customers arising from the use of the Reserved Goods as well as those claims of the Customer relating to the Reserved Goods that arise on any other legal grounds against its customers or third parties (in particular claims in tort and claims for insurance benefits), including all balance claims from current account. Kettner-Edelmetalle accepts this assignment.

13.6.3 The Customer is entitled to collect the claims assigned to Kettner-Edelmetalle for its own account in its own name as long as Kettner-Edelmetalle does not revoke this authorisation. Kettner-Edelmetalle's right to collect these claims itself is not affected thereby; however, Kettner-Edelmetalle will not collect the claims itself and will not revoke the collection authorisation as long as the Customer duly meets its payment obligations. If, however, the Customer acts in breach of contract — in particular if the Customer is in default of payment of a monetary claim — the Customer shall, at Kettner-Edelmetalle's request, be obliged to disclose to Kettner-Edelmetalle the assigned claims and the respective debtors, to notify the respective debtors of the assignment and to hand over to Kettner-Edelmetalle all documents and provide all information that Kettner-Edelmetalle requires to assert the assigned claims.

13.6.4 Any processing or transformation of the Reserved Goods by the Customer shall always be deemed to be carried out on behalf of Kettner-Edelmetalle. If the Reserved Goods are processed with, inseparably combined with or mixed with other items not belonging to Kettner-Edelmetalle, Kettner-Edelmetalle shall acquire co-ownership of the new item thereby created in the ratio of the value of the Reserved Goods (final invoice amount including VAT) to the other processed, combined or mixed items at the time of processing, combination or mixing. If combination or mixing takes place in such a way that the Customer's item is to be regarded as the principal item within the meaning of § 947 (2) BGB, it shall be deemed agreed already upon conclusion of the contract that the Customer transfers the proportionate co-ownership share in this new item to Kettner-Edelmetalle. Kettner-Edelmetalle accepts the transfer of the co-ownership share. The Customer shall store the sole ownership or co-ownership of an item created by processing, transformation, combination or mixing free of charge for Kettner-Edelmetalle.

13.6.5 Insofar as the realisable value of the securities to which Kettner-Edelmetalle is entitled under the retention of title exceeds the value of Kettner-Edelmetalle's outstanding claims by more than 10 %, Kettner-Edelmetalle will release the securities in a corresponding amount at the Customer's request — at Kettner-Edelmetalle's discretion.

14. Warranty

14.1 The statutory provisions shall apply to the Customer's rights in the event of material defects and defects of title (including incorrect and short delivery as well as improper assembly/installation or defective assembly instructions), unless otherwise stipulated below. In all cases, the statutory provisions on the sale of consumer goods (§§ 474 et seq. BGB) remain unaffected.

14.1.1 Kettner-Edelmetalle warrants that the Goods have the agreed quality and are suitable for the use presupposed under the contract. Unless expressly agreed, Kettner-Edelmetalle gives no warranty that the Goods are suitable for the use intended by the Customer. All descriptions of the Goods that (i) are the subject of the contract between the Parties, or (ii) were publicly announced by Kettner-Edelmetalle at the time of conclusion of the contract (in particular in catalogues or on the Kettner-Edelmetalle website) shall be deemed an agreement on quality. Insofar as the Parties have not agreed on the quality, whether a defect exists shall be assessed in accordance with the statutory provisions. Public statements by Kettner-Edelmetalle or on its behalf, in particular in advertising or on the label of the Goods or on the Goods themselves, shall always take precedence over statements by other third parties.

14.1.2 If the Customer demands subsequent performance because of a defect, Kettner-Edelmetalle may choose whether to render subsequent performance by remedying the defect (rectification) or by delivering a defect-free item (replacement delivery); however, if the Customer is a consumer (see Section 1.1 of these T&C), the Customer has the right to choose the type of subsequent performance (replacement delivery or rectification). Kettner-Edelmetalle's right to refuse subsequent performance under the statutory conditions remains unaffected in any case. In the case of a replacement delivery, the Customer shall — upon request — return the defective item to Kettner-Edelmetalle concurrently against the replacement delivery.

14.1.3 If subsequent performance is impossible, does not take place — if necessary within a reasonable period set by the Customer — or fails, the Customer may withdraw from the contract or reduce the purchase price in accordance with the statutory provisions. However, there is no right of withdrawal in the case of an insignificant defect.

14.1.4 Kettner-Edelmetalle is entitled to make the subsequent performance owed conditional upon the Customer paying the purchase price due. However, the Customer is entitled to retain a portion of the purchase price that is reasonable in relation to the defect.

14.1.5 The Customer shall give Kettner-Edelmetalle the time and opportunity required for the subsequent performance owed. In particular, the Customer shall hand over the Goods complained about to Kettner-Edelmetalle for inspection purposes within a reasonable period after notification of the defect. Subsequent performance includes neither the removal of the defective item nor its reinstallation if Kettner-Edelmetalle was not originally obliged to install it; Section 14.1.6 of these T&C remains unaffected.

14.1.6 Kettner-Edelmetalle shall reimburse the expenses required for the purpose of inspection and subsequent performance, in particular transport, travel, labour and material costs as well as any expenses for removing the defective item and installing or attaching the rectified or delivered defect-free item, in accordance with the statutory provisions, if a defect actually exists. Otherwise, Kettner-Edelmetalle may demand compensation from the Customer for the costs incurred as a result of the unjustified request to remedy the defect (in particular inspection and transport costs) if the absence of a defect was known to the Customer or was unknown due to gross negligence.

14.1.7 Kettner-Edelmetalle is not liable for defects of which the Customer is aware at the time of conclusion of the contract. If the Customer has remained unaware of a defect due to gross negligence, the Customer may only assert warranty rights against Kettner-Edelmetalle if Kettner-Edelmetalle fraudulently concealed the defect or assumed a guarantee for the quality of the Goods.

14.1.8 Claims by the Customer for damages or reimbursement of futile expenses exist, even in the case of defects, only in accordance with Sections 16 and 17 of these T&C below and are otherwise excluded.

14.1.9 Claims by the Customer for reimbursement of expenses pursuant to § 445a (1) BGB are excluded, unless the last contract in the supply chain is a sale of consumer goods (§§ 478, 474 BGB).

14.2 The Customer shall have no warranty rights for defects caused by changes to the Goods without the express written consent (letter or email) of Kettner-Edelmetalle or by unsuitable or improper use, handling or storage of the Goods by the Customer.

14.3 Kettner-Edelmetalle sources all precious metals and accessory items offered primarily from national and international producers and trading houses. Within the scope of its possibilities, Kettner-Edelmetalle checks all Goods offered by Kettner-Edelmetalle for authenticity, but may not guarantee this for reasons of competition law. Insofar as certificates of authenticity are made available to Kettner-Edelmetalle when purchasing the Goods offered, Kettner-Edelmetalle passes these on to the Customer.

15. Incoming Goods Inspection

If the Customer is an entrepreneur (see Section 1.1 of these T&C), the following applies:

15.1 The Customer's warranty rights in the event of defects in the Goods pursuant to Section 14 of these T&C are conditional upon the Customer having complied with its statutory obligations to inspect and give notice of defects (§§ 377, 381 HGB). In the case of Goods intended for installation or further processing, an inspection must in any case be carried out immediately before installation or further processing.

15.2 If a defect becomes apparent upon delivery, upon inspection or at any later time, the Customer must notify Kettner-Edelmetalle of the defect without delay, at least in text form. The Customer must in any case notify obvious defects at least in text form within three (3) working days of receipt of the delivery; defects not identifiable during inspection must be notified at least in text form within the same period from their discovery. If the Customer fails to carry out the proper inspection and/or to give notice of defects, the Goods shall be deemed approved in accordance with the statutory provisions (§ 377 (2) and (3) HGB). This does not apply if Kettner-Edelmetalle fraudulently concealed a defect.

15.3 The Customer shall give Kettner-Edelmetalle the opportunity to examine the complaint. In particular, the Customer shall make the Goods complained about and their packaging available to Kettner-Edelmetalle for inspection.

16. Liability

16.1 Kettner-Edelmetalle is liable for a breach of contractual and non-contractual obligations in accordance with the statutory provisions, unless otherwise provided in these T&C, including the following provisions.

16.2 Kettner-Edelmetalle is liable for damages — on whatever legal grounds — within the scope of fault-based liability in cases of intent and gross negligence.

16.3 Subject to statutory limitations of liability (e.g. care in one's own affairs; insignificant breach of duty), Kettner-Edelmetalle is liable in cases of simple negligence only

a) for damages arising from injury to life, body or health,

b) for damages arising from the breach of a material contractual obligation (i.e. an obligation whose fulfilment is essential to the proper performance of the contract and on whose compliance the Customer regularly relies and may rely); in this case, however, Kettner-Edelmetalle's liability is limited to compensation for the foreseeable, typically occurring damage.

16.4 The limitations of liability arising from Section 16.3 of these T&C also apply to breaches of duty by or in favour of persons for whose fault Kettner-Edelmetalle is responsible under the statutory provisions. They do not apply insofar as Kettner-Edelmetalle fraudulently concealed a defect or assumed a guarantee for the quality of the Goods.

16.5 Claims under the German Product Liability Act are available to the Customer without restriction.

17. Limitation Period

If the Customer is an entrepreneur (see Section 1.1 of these T&C), the following applies:

17.1 For warranty claims of the Customer, the general limitation period is one year from delivery, in deviation from § 438 (1) No. 3 BGB. Special statutory provisions on limitation, in particular § 438 (1) No. 1 and No. 2, (3), §§ 444, 445b BGB, remain unaffected.

17.2 The limitation periods under this Section 17 also apply to contractual and non-contractual claims for damages by the Customer that are based on a defect in the Goods, unless the application of the regular statutory limitation period (§§ 195, 199 BGB) would lead to a shorter limitation period in an individual case.

17.3 Claims for damages by the Customer pursuant to Sections 16.2 and 16.3 a) of these T&C as well as under the German Product Liability Act shall become time-barred exclusively in accordance with the statutory limitation periods.

18. Data Protection

The provisions of the Kettner-Edelmetalle privacy policy shall apply, available at: https://www.kettner-edelmetalle.de/wissen/disclaimer-und-datenschutz .

19. Choice of Law and Place of Jurisdiction, Dispute Resolution

19.1 These T&C and the contractual relationship between Kettner-Edelmetalle and the Customer shall be governed exclusively — subject to mandatory provisions of private international law — by the law of the Federal Republic of Germany, excluding uniform international law, in particular the UN Convention on Contracts for the International Sale of Goods, and excluding private international law. If the Customer is a consumer (see Section 1.1 of these T&C) and has their habitual residence in another state, the protection afforded to them by the mandatory provisions of their state of residence, from which no deviation by agreement is permitted, shall remain unaffected.

19.2 If the Customer is an entrepreneur (see Section 1.1 of these T&C), a legal entity under public law or a special fund under public law, the registered office of Kettner-Edelmetalle (78052 Villingen-Schwenningen, Germany) shall be the exclusive place of jurisdiction for all disputes arising directly or indirectly from or in connection with the contractual relationship. However, Kettner-Edelmetalle is also entitled to bring an action at the general place of jurisdiction of the Customer. Overriding statutory provisions, in particular regarding exclusive jurisdiction, remain unaffected.

19.3 In the event that the Customer is an entrepreneur (see Section 1.1 of these T&C), a legal entity under public law or a special fund under public law and has its registered office outside the EU and the EEA, the arbitration agreement contained in this Section 19.3 shall replace the jurisdiction agreement set out in Section 19.2 of these T&C. Accordingly, the following applies: All disputes arising out of or in connection with a contract into which these T&C are incorporated, or regarding its validity, shall be finally settled in accordance with the Arbitration Rules of the German Arbitration Institute (DIS) to the exclusion of the ordinary courts. The arbitral tribunal shall consist of one arbitrator. The place of arbitration is 78052 Villingen-Schwenningen, Germany. The language of the proceedings is English. The law applicable to the merits is the law of the Federal Republic of Germany. Document production, disclosure or similar procedures shall not take place in the arbitration proceedings. All records and other evidentiary documents may be submitted in English translation or in German if the documents were originally drafted in German.

19.4 If the Customer is a consumer (see Section 1.1 of these T&C), the following applies:

19.4.1 For actions brought by Kettner-Edelmetalle against the Customer, the place of jurisdiction for all disputes arising directly or indirectly from or in connection with the contractual relationship shall be the registered office of Kettner-Edelmetalle (78052 Villingen-Schwenningen, Germany) — if the Customer had their domicile or habitual residence in Germany and the Customer has moved their domicile or habitual residence out of Germany after conclusion of the contract, or if their domicile or habitual residence is unknown at the time the action is brought.

19.4.2 If the Customer has neither their domicile nor habitual residence in the EU or the EEA, the registered office of Kettner-Edelmetalle (78052 Villingen-Schwenningen, Germany) shall be the exclusive place of jurisdiction for all disputes arising directly or indirectly from or in connection with the contractual relationship.

19.4.3 Overriding statutory provisions, in particular regarding exclusive jurisdiction, remain unaffected.

19.5 Kettner-Edelmetalle is not obliged to participate in dispute resolution proceedings before a consumer arbitration board and has decided against voluntary participation in such proceedings.

20. Miscellaneous

20.1 The use of the Goods delivered by Kettner-Edelmetalle shall — unless expressly agreed otherwise — be at the Customer's own responsibility. In particular, the Customer must comply with the applicable regulations.

20.2 Should any provision of these T&C be or become wholly or partly void, invalid or unenforceable, or should a necessary provision not be included, the validity and enforceability of all other provisions of these T&C shall not be affected. In place of the void, invalid or unenforceable provision, or to fill the gap, a legally permissible provision shall apply which corresponds as closely as possible to what the Parties intended or would have agreed according to the meaning and purpose of these T&C had they recognised the invalidity or the gap. It is the express intention of the Parties that this severability clause shall not merely result in a reversal of the burden of proof, but that § 139 BGB is excluded in its entirety.

20.3 The Customer is not entitled to transfer and/or assign rights and obligations arising from the contractual relationships binding the Parties to third parties without the prior written consent (e.g. letter or email) of Kettner-Edelmetalle. This prohibition of assignment does not apply to monetary claims.

As of: August 2026