Product Disclosure




Read this Product Disclosure Sheet before you decide to take the Go Digital Gold Account product. Be sure to also read the Terms and Conditions of the product. Seek clarification from us if you do not understand any part of this document or the general terms.


THE PRODUCT


1. Go Digital is a Shariah compliant product which offers small size gold for customer to buy and sell back with physical gold which is stored in well-established security vault in Malaysia.
2. Go Digital provides live gold price for customer to buy and sell.
3. Customer would be able to request physical gold in minted gold bar form by paying necessary fulfillment cost.
4. Parties involved in the Go Digital transaction:
a) As Buyer - The customer purchases the gold from the Go Digital
b) As Seller - The customer sells the gold to the Go Digital

Go Capital Growth Sdn Bhd (The Company)
a) As Seller - The Company sells the gold to the customer.
b) As Buyer - The Company buys back the gold from the customer.
c) As Custodian - The company as Go Digital customer’s representative to custody the gold that being purchase by the customer.

As Gold Supplier
The company procure 999.9% LBMA accredited Gold Bars for sale via Go Digital.




ELIGIBILITY


Individual/Malaysian 18-year old and above (Malaysian and non-Malaysian)



PRODUCT SPECIFICATION

Items Description
Initial Purchase MYR5.00
Subsequent Purchase MYR5.00
Minimum Balance MYR5.00
Gold Purity 999.9%
Currency Ringgit Malaysia (MYR)
Method of Purchase & Sell Buy and sell can be performed in Go Digital
Physical Gold Denomination (Fulfillment) 0.5 gram, 1 gram, 2.5 gram, 5 gram, 10 gram, 50gram, 100 gram, 1 Dinar (4.25 gram), 5 Dinar (21.25 gram)
Transaction Hour 8.30am to 11.59pm Monday to Sunday, including national public holidays in accordance to Federal Territory calendar
Statement/History By Monthly


FEES AND CHARGES


1. Storage Fees
a) Storage fee is 1% per annum based on your daily gold holding. The storage fee will be accrued daily and debited from the account monthly at the end of the month or MYR1.00 equivalent in gram subject to whichever is higher or upon closure of account. For account closure, the storage fee would be calculated on a pro-rata basis.
b) This storage fee is calculated at such rate and subject to such minimum charges per month, as may be determine from time to time. Go Capital will notify you by posting on the Platform by at least five (5) business days prior to the effective date of change.
2. Payment Cost : MYR1.20 per transaction for (FPX) only for successful transaction.
3. Physical Gold Fulfilment Cost :

Making Charges
Denomination
(Gram)		 Making Charges/pc
(MYR)
0.5 46.50
1 43.00
2.5 77.50
5 80.00
10 125.00
4.25 82.75
21.25 233.75
50 510.00
100 860.00

Courier Charges:
Courier Charges Cost Packing Limit
WM/EM MYR15.00 per parcel 30pcs/100g

Note:
a) The fulfilment fee is referring to Making Charges: (Premium/Pcs + Handling Charges/Pcs + Insurance/Pcs) + Packaging & Shipping;
b) Packaging and shipment cost charge once only;
c) Go Capital reserves the right to revise the fulfilment cost from time to time without prior notice. The changes will base on the charges imposed by the vendor and service providers;
d) Maximum for physical gold fulfilment of minted gold bar is 100 gram or maximum 30 pieces each time for each parcel;
e) It applied to both West Malaysia and East Malaysia, delivery is available in Malaysia only.

For illustration physical gold fulfilment only.

Scenario Calculation Total Customer to Pay Through Self-Pickup Total Customer to Pay Through Courier
Making Changes Packaging Shipment
2 grams of physical gold (some denomination - 1 gram) MYR 76.00 x 2 pcs MYR 15.00 MYR 152.00 MYR 167.00
100 grams of physical gold (multiple denomination) 50 gram - MYR 308.00 x 1 pcs

10 gram - MYR 184.00 x 3 pcs

5 gram - MYR 133.00 x 4 pcs 		MYR 15.00 MYR 1534.00 MYR 1549.00
Note: The price displayed is includes Making Charges, Courier, Takaful/Insurance


CONTACT US

Contact Number: +(60) 16-607 7686
WhatsApp Number: +(60) 16-607 7686
(9 AM - 6 PM Malaysia Standard Time Zone)
Email: helpdesk@goinno2u.com