Risk Disclosure and Nature of Information Provided

This document contains basic risk disclosures relating to the purchase of investment gold, investment silver and other precious metals through the company Baumann Group a.s., which operates the GOLDU® brand. The purpose of the document is to alert the buyer to selected risks associated with the purchase, holding and any future sale of physical precious metals.

1. Risks of investing in gold, silver and precious metals

The buyer acknowledges that buying investment gold, investment silver or other precious metals is not without risk. The price of precious metals may fluctuate over time, in particular as a result of developments in:

financial markets,
commodity markets,
exchange rates,
the geopolitical situation,
economic factors,
supply of and demand for precious metals.

These factors are beyond the control of the company Baumann Group a.s. and the GOLDU® brand. The value of the investment may rise and fall over time. The buyer acknowledges that the value of the purchased investment product may not be the same in the future as its acquisition price.

2. Past price performance is no guarantee of future value

Past price performance of precious metals, historical returns or previous market performance are no guarantee of future developments, future returns or the preservation of the investment's value. The buyer acknowledges that in the future the value of the purchased investment product may both rise and fall.

3. Currency risk in transactions in foreign currency

In the case of transactions made in foreign currencies, the buyer also bears the currency risk. Changes in exchange rates may affect in particular:

the product price,
the value of the investment,
the future return on the investment,
the price at any future sale or buy-back.

The company Baumann Group a.s. and the GOLDU® brand are unable to influence or guarantee the development of exchange rates.

4. Risk of the difference between purchase and buy-back price

The buyer acknowledges that the purchase price of investment gold, investment silver or other precious metals may differ from any future buy-back or sale price. The buy-back price is determined in particular according to the current market situation, the type of product, its condition, origin, fineness, weight, tradability and the result of the authenticity check. The buyer acknowledges that at a future sale or buy-back they may receive an amount lower than the product's acquisition price. There is no legal entitlement to the buy-back of a product by GOLDU. More detailed information is provided in the document Buy-back conditions.

5. Risk of storage and physical holding

Physical precious metals require secure storage. The buyer is responsible for the method of storage, security and any insurance of the purchased products after taking them over. The company Baumann Group a.s. and the GOLDU® brand are not liable for loss, theft, damage or depreciation of the products after they have been taken over by the buyer, unless the company's liability arises from applicable legal regulations.

6. Tax and legal risk

The tax and legal treatment of precious metals may change over time. The buyer acknowledges that any tax implications of buying, holding or selling precious metals depend on their individual situation, the type of product, the nature of the transaction and applicable legal regulations. The company Baumann Group a.s. and the GOLDU® brand do not provide tax, legal or accounting advice. In case of uncertainty, we recommend consulting a professional adviser.

7. Nature of the information provided by GOLDU

All information provided by the company Baumann Group a.s. and the GOLDU® brand, in particular through:

the website,
product descriptions,
blog articles,
e-mail communication,
telephone communication,
personal consultations,
social networks,

is exclusively of a general, informative and educational nature. This information serves to help the buyer better understand the area of investment gold, investment silver and other precious metals. It is not intended as an individual recommendation for a specific investment decision.

8. GOLDU does not provide investment advice

The information provided by the company Baumann Group a.s. and the GOLDU® brand does not constitute:

an investment recommendation,
investment advice,
an individual investment strategy,
an analysis of investment opportunities,
asset management,
personal financial planning,
tax advice,
legal advice,
or any other investment service within the meaning of the relevant legal regulations.

The company Baumann Group a.s. is not a securities dealer or a provider of investment services under special legal regulations.

9. The buyer's responsibility for their own decisions

The buyer makes all purchase decisions independently and at their own responsibility. Before making a purchase, the buyer should consider in particular:

their financial situation,
their investment goals,
their investment experience,
their individual needs,
the time horizon of the investment,
their risk tolerance,
the suitability of buying physical precious metals in relation to their personal situation.

The buyer is responsible for their own investment decisions and their consequences.

10. Limitation of liability of the company Baumann Group a.s.

The company Baumann Group a.s. and the GOLDU® brand are not liable for:

the future price development of precious metals,
the development of financial or commodity markets,
the development of exchange rates,
economic or geopolitical events,
changes in legal or tax regulations,
any profits or losses arising in connection with the purchase of investment metals,
decisions made by the buyer on the basis of the general information provided on the GOLDU website.

The decision to buy investment gold, investment silver or other precious metals is always the buyer's sole decision.

11. Related documents

This document forms part of the contractual and information framework of the company Baumann Group a.s. and the GOLDU® brand. Related documents are in particular:

12. Final provisions

12.1 Informative nature of the document – This document is of an informative nature and supplements the other legal documents of the company Baumann Group a.s. and the GOLDU® brand.

12.2 Updates to the document – Baumann Group a.s. reserves the right to update, change or supplement this document at any time.

12.3 Current version of the document – The current version of this document is always published on the GOLDU website.

12.4 Governing law and language – This document is governed by the law of the Czech Republic. The governing language of this document is Czech; in the event of a conflict between language versions, the Czech version prevails.

12.5 Effective date – This document takes effect on 28 May 2026.

13. Company identification

Baumann Group a.s., operator of the GOLDU® brand

Registered office: Vyskočilova 1481/4, 140 00 Prague 4, Czech Republic
Company ID (IČO): 22263284
VAT ID (DIČ): CZ22263284
Commercial Register: Municipal Court in Prague, Section B, Insert 29197
Web: www.goldu.cz
E-mail: info@goldu.eu
Data box: xtps2mn
Phone: +420 601 359 200