General Rules
I. INTRODUCTION
The Seller is a business entity registered in accordance with the legal regulations in force in the Republic of North Macedonia.
2. GENERAL TERMS OF PURCHASE
The website www.investapediagold.mk, through which investment metals are bought and sold, is operated by Investapedia DOOEL Skopje (registration number: 7351593), with its registered office at Naroden Front 5/1-1, 1000 Skopje, Republic of North Macedonia (hereinafter: "Investapedia DOOEL" or "Investapedia").
These General Terms of Purchase for the website www.investapediagold.mk define the rules enabling users of the service (hereinafter: "User") to purchase investment gold or silver (hereinafter: "Product" or "Products"). These General Terms of Purchase apply to all offers, orders, services, deliveries, and any other actions taken by the User in connection with the purchase of Products.

Advance purchase of Products is possible via payment to a bank account on the same day as the date specified on the pro-forma invoice, during business days between 09:00 and 15:00. Buying and selling products from STOCK is possible via a bank transfer, provided the payment is made on the same day as the date specified on the pro-forma invoice, during business hours (09:00 to 14:30).

 

Note:

ORDERS PLACED OUTSIDE OF BUSINESS HOURS

Orders placed outside of our business hours will be processed and accepted as soon as possible on the next trading day.

Prices are subject to fluctuation. Prices displayed at the time you place an order (outside of our business hours) are not based on current metal prices, but rather on the prices that were in effect at the close of business on the last trading day. These prices may differ from the prices applicable at the time the order is actually accepted. Confirmation of your order's acceptance will be sent to you via email.

You can find our business hours here.

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In the event of technical issues or during scheduled maintenance, the website may be temporarily unavailable to users. Investapedia DOOEL will provide timely notification to users regarding such instances.

To purchase a Product, the User must accept and comply with the rules defined below. The user accepts these General Terms and Conditions for purchasing on the website by clicking the box: "I accept the General Terms and Conditions for purchasing on the website www.investapediagold.mk and provide consent regarding privacy protection."
Investapedia DOOEL reserves the right to amend these General Terms and Conditions for purchasing on the website www.investapediagold.mk, in accordance with new offer elements and/or legal regulations; therefore, we advise users to review the information regarding the General Terms and Conditions for purchasing on the website www.investapediagold.mk.
Any additional information regarding the application of these General Terms and Conditions for purchasing can be obtained on the website www.investapediagold.mk or by calling +389/71-50-60-09.

I. User Registration
Purchasers may be legal entities or natural persons of legal age who wish to enter into a business relationship with Investapedia DOOEL via the online store service.
Purchases can be made by generating a pro-forma invoice following registration—that is, by opening a user account (registered users). To complete a purchase, users must provide a mandatory set of data when placing an order, specifically: first name and last name (or company name, in the case of a legal entity), email address, contact phone number, Unique Master Citizen Number (or passport number for foreign individuals), the address as stated on their national ID card, and a delivery address (if different from the address on the ID card).
Users are required to provide accurate and complete personal information when placing an order or purchase request, as well as during any subsequent data entry. Investapedia will store user data in compliance with applicable laws and regulations.
Users may also register to receive periodic newsletters by entering their email address on the website www.investapediagold.mk. Users may opt out of the newsletter mailing list at any time; an unsubscribe link is included at the bottom of every newsletter.

II Protection of User Privacy
Investapedia is committed to protecting the privacy of all users. Investapedia collects only the essential, basic data required from users—as well as data necessary for business operations—and keeps users informed in accordance with sound business practices, with the aim of providing high-quality service. Investapedia also collects data on Users (information from identity documents) in accordance with the obligation to maintain records of transactions involving investment gold, as prescribed by the Law on Value Added Tax and its bylaws. We provide Users with the ability to make choices, including the option to decide whether or not they wish to be removed from the electronic mailing list.

...email addresses used for receiving periodic newsletters and marketing campaigns. All information regarding Users is strictly secured and accessible only to employees who require such data to perform their job duties. All employees of Investapedia DOOEL are responsible for adhering to privacy protection principles.

The protection of user privacy is regulated in greater detail in the Notice on the Processing of Personal Data; we therefore invite you to review this document.
By clicking the checkbox labeled "I accept the General Terms and Conditions for purchases on the website www.investapediagold.mk and agree to the privacy protection policy," the User consents to the described privacy protection measures.

III. Ordering Process and Execution of Sales via the Investapedia Gold Online Store
Data Verification – Investapedia DOOEL reserves the right to contact the User by phone to verify the information provided during the ordering process. In the event of doubt regarding the accuracy of the provided data, or if the data cannot be verified, Investapedia DOOEL reserves the right to cancel the order, of which the User will be notified. Users may check the delivery status by calling +389/71-50-60-09 or by emailing info@investapediagold.mk.
Information regarding the origin of the products – Investapedia informs users that the Products are sourced exclusively from foreign manufacturers—refineries that are members of the LBMA association and certified by the London Bullion Market Association ("LBMA"). The LBMA is an organization that regulates and guarantees the quality of production and trading of precious metals, including gold and silver, on a global scale. Due to its stringent requirements and established reputation, the LBMA’s certification effectively eliminates the possibility of product manipulation (for example, discrepancies in weight or the gold failing to meet the agreed-upon fineness, etc.).

Purchasing and Selling Procedures
Users may complete a purchase in one of the following two ways:
Purchase from stock (inventory) – this entails the issuance of payment instructions, followed by the delivery of the Product and accompanying documentation as soon as the payment is recorded on the transaction account statement of Investapedia DOOEL Skopje at the commercial bank. or
Advance Purchase – entails the issuance of payment instructions, followed—upon receipt and verification of the payment in the transaction account of Investapedia DOOEL Skopje at a commercial bank—by the delivery of the Product and accompanying documentation within a period of 7 (seven) to 14 (fourteen) business days.
Prices for both purchasing methods are displayed on the website at the time of purchase. As a general rule, advance purchases are offered at more favorable prices compared to immediate (spot) purchases.
The specific method of the transaction (from stock or via advance purchase) will be clearly presented to the Buyer when creating the order, prior to the Buyer’s confirmation of said order.
As we aim to offer our clients the best possible prices for investment gold, we actively work to optimize our cost base; consequently, we do not support the use of debit or credit cards for transactions. In accordance with the provisions of the Law on Consumer Protection, the User does not have the right to withdraw from the Agreement, as it concerns the delivery of goods the price of which depends on fluctuations in the financial market—fluctuations that Investapedia DOOEL, as the trader, cannot influence and which may occur during the withdrawal period.

Product Prices
Product prices are expressed in Denars and include all statutory tax obligations, where applicable. The prices valid at the time the payment instructions are issued shall apply, provided that payment is made and recorded within the specified timeframe.

Product Quality
Gold Specifications
• Purity (fineness): Minimum 995.0 parts per thousand (99.5% purity).
• Weight: From 2g to 1 kilogram.
• Markings: Must include the serial number, the refinery’s hallmark (certifying purity), the level of purity (expressed to four significant digits), and the year of production.
• Appearance: In the form of a bar or coin, featuring specific indentations and cast in traditional molds; laser engraving is prohibited for standard large bars.

Certification
We provide a 100% guaranteed certificate of origin and quality for the products. All products offered by Investapedia Gold are LBMA-certified.
*Dealers of investment gold or silver are not permitted to issue certificates, with the exception of authorized dealers representing the refineries that produce investment-grade metals.
Clarification regarding LBMA accreditation
• For corporate entities only: The LBMA "Good Delivery" list applies exclusively to qualified refineries/producers that meet strict criteria

...production, financial value, and responsible sourcing.
• Restrictions for individuals: The organization’s rules do not provide for individual membership or personal certification.
• Product certification: When an "LBMA certificate" is mentioned regarding precious metals intended for retail, it means that the physical gold or silver bar was produced by an LBMA-accredited refinery and bears the appropriate hallmark, serial number, and purity details; it does not mean that a certificate has been issued in the name of an individual.
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Finalizing the Order
Once the user:
Adds a product (or products) to the cart;
Receives information regarding the order total, at which point the User may choose between delivery to a specified address or collection at the premises of Investapedia DOOEL (located at 2-4 Nikola Vaptsarov St., 6th floor).
Receives confirmation of the details regarding the chosen purchase/sale method (from stock or via advance purchase);
Accepts the order and confirms the above by clicking one of the following options:
- "Proceed to Pro-forma Invoice"; - Cash;
- Paysera (Investapedia is the first dealer in investment metals to utilize Paysera’s services. Paysera is an international digital payment platform offering services in 180 countries, including currency exchange, digital accounts, and payment collection solutions for online stores. Paysera Macedonia is the first payment institution for electronic money officially licensed by the National Bank of the Republic of North Macedonia);

Confirmation of the ordered Products and payment instructions will be sent to the email address provided by the User during account registration or when placing an order. Once the payment has been registered, the User will receive confirmation that the payment has been received.
The provided payment instructions will specify the amount the User is required to pay for the Product. The User must complete the payment for the specified amount within the timeframe indicated in the payment instructions; this is because the prices of these products depend on fluctuations in the financial market—factors over which Investapedia DOOEL, as the seller, has no control.

Payment Deadline
The amount for the Product, payable by the User based on the issued payment instructions, must be paid within the specified deadline. If the User fails to pay the agreed and invoiced price within the specified deadline, the payment order becomes invalid.
Cash Payments
As of January 1, 2025, cash payments or collections for goods and services exceeding the equivalent of 1,000 euros in Macedonian denars are prohibited.
In practice, this means that you may purchase investment gold with a total value of up to 1,000 euros using cash, linked to a single national ID card.
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Note: Upon selecting and adding the chosen goods and/or services to the virtual shopping cart and completing the electronic ordering process—by clicking the button to finalize the order—the client will receive a legally binding contractual offer and a payment order for the goods and/or services contained in the cart.
On the date the payment order is issued, Investapedia DOOEL will reserve the ordered quantities of investment metals with the manufacturer; consequently, the payment obligation becomes BINDING for the Buyer. If the Buyer fails to pay the full amount specified in the payment order—for which the Buyer has previously provided consent and accepted the General Purchase Terms available on the website www.investapediagold.mk—on the same day, Investapedia DOOEL reserves the right to claim monetary compensation from the Buyer. This claim arises from the financial obligation incurred by Investapedia DOOEL to pay the manufacturer for the ordered investment metals.

Execution Date
Upon receipt of payment from the Buyer, Investapedia DOOEL will reserve the products from its existing stock or place an order with the manufacturer, thereby finalizing the product order.
Upon a valid request from the client, Investapedia will issue a refund within 3 days.
The user is not entitled to any interest for the period between the date of payment and the date of the refund.

Delivery of products is available exclusively within the territory of the Republic of North Macedonia. The value of goods sent via postal delivery is insured. Delivery costs are to be borne by the Buyer. In the case of advance sales, once it is confirmed that the Customer has paid the amount specified in the advance invoice, Investapedia DOOEL will allow the buyer to collect the purchased Product from the Investapedia DOOEL headquarters within a timeframe of 7 (seven) to 14 (fourteen) business days.
For purchases from stock, the estimated delivery time is two to three business days from the date of payment. In accordance with legal provisions, the delivery period may not exceed 30 days.
If the Customer fails to collect the Product at the designated delivery location, or if delivery is not possible due to circumstances on the Customer's side, the Customer will be provided with information regarding the location and time at which...

...may collect the Product in person.
Investapedia DOOEL reserves the right to change the agreed-upon delivery schedule and method due to subsequently arising circumstances or reasons beyond its control; in such cases, it will propose a new delivery date in consultation with the User.

Note regarding advance purchases:
By accepting these General Terms and Conditions for purchases made via the website www.investapediagold.mk, the User acknowledges and agrees that the delivery period for advance purchases is not within the control of Investapedia DOOEL, and that, for valid reasons, the delivery timeframe may be longer or shorter than anticipated. Investapedia DOOEL is obligated to provide the User with full information regarding the expected delivery date of the Product at all times.
If the Product is not delivered due to the fault of Investapedia DOOEL, and 14 business days have elapsed since the date the Agreement was concluded, the User has the right to terminate the Agreement and request a refund.

Product Reservation
For Products added to the User's shopping cart and paid for via bank transfer after 14:30, the purchase process does not constitute a reservation. A product is reserved only upon confirmation that the full amount has been paid into Investapedia’s bank account by the User, provided this occurs by 14:30 on the same business day. If the Product is added to the cart and the purchase is confirmed after 14:30, there is a possibility that the stock is no longer available; the User will be notified accordingly.

IV Complaints
The User may file a complaint by sending it to the address of Investapedia DOOEL or electronically via email at: info@investapediagold.mk. The deadline for a response to a complaint is 8 days from the date of its receipt. The deadline for resolving the complaint and reaching a final decision is 15 days.
When filing a complaint, the User must provide the product in question, the invoice, and the contract.
Investapedia DOOEL is liable for any non-conformity of the delivered Product with the contract, in accordance with the Law on Consumer Protection. Users may also file complaints regarding incorrect pricing.
The User is required to report any damage incurred during transport, as well as any missing parts, within 24 hours of receiving the product. The User must inspect the Product upon receipt and immediately report any errors to Investapedia DOOEL Skopje. Upon verifying the validity of such a report, Investapedia DOOEL will rectify the identified issues as soon as possible, in accordance with the law and the General Terms and Conditions. If there is visible damage to the purchased Product—such as cracks or missing parts—the User must immediately report this to the courier delivering the goods; otherwise, the shipment shall be deemed delivered free of any visible defects.
Investapedia DOOEL is required to maintain a record of received complaints and retain these records for at least two years from the date of submission. Investapedia DOOEL shall provide the complainant with written confirmation—or electronic acknowledgment—of the receipt of the complaint, including the reference number assigned to it within the register of complaints.

V Limitation of Liability
On its website, Investapedia DOOEL strives to describe all Products as accurately as possible, utilizing the most reliable photographs; the accuracy of this information is verified with the utmost care.
Despite careful content monitoring, we assume no responsibility for links to external websites, for which the respective owners are solely liable. Investapedia DOOEL reserves the right to modify, supplement, delete, or suspend the publication—either temporarily or permanently and without prior notice—of parts of the website or the entire offering.
All content on the website www.investapediagold.mk is the exclusive and sole property of Investapedia DOOEL Skopje. No part of this website, nor the website in its entirety, may be copied, reproduced, transmitted, published, or distributed without prior written consent from Investapedia DOOEL; the only exception is the downloading and storage of information and materials onto an individual user's computer disk for personal use.
Investapedia DOOEL does not guarantee that the User will achieve any financial gain through this purchase, nor is it liable for any potential financial loss. All financial and business risks associated with the purchase are borne by the User.
Certificate for Investment Metals
Purchased investment metals are accompanied by a certificate detailing the quality of the investment product, its origin, and its unique serial number.
Credibility and transparency are the core values ​​of our company. VI Final Provisions
In the event that any disagreements, doubts, or disputed issues arise from the relationship between the User and Investapedia DOOEL, all parties shall endeavor to resolve them through amicable negotiations and out-of-court dispute resolution, in accordance with the Law on...

...and consumer protection. In the event that disputes cannot be resolved by mutual agreement, they shall be settled before the competent court in Skopje.

VII Notification pursuant to the Law on Consumer Protection
Prior to concluding a distance contract, the User is informed, in a clear and understandable manner, that the company responsible for all business transactions and communications is:
Name: Company for Production, Trade, and Services INVESTAPEDIA DOOEL Skopje.
Registered Office: ul. Naroden Front No. 5-1/1, Skopje 1000
Unified Entity Registration Number (EMBS): 7351593
Tax ID (EDB MK): 4080019581770
Contact Phone: +389/71-50-60-09
E-mail: info@investapediagold.mk

The essential characteristics of the products described on the website www.investapediagold.mk (regarding specifications), prices, payment methods, delivery methods and terms, and all costs charged to the User—all of which are specified on the website www.investapediagold.mk—are matters of which the User was aware, and regarding which the User was informed in a clear and understandable manner both before and at the time of ordering the Product; By concluding the Agreement, the User enters into a contractual relationship with Investapedia DOOEL Skopje and is entitled to protection in accordance with the Law on Consumer Protection;
In accordance with the provisions of the Law on Consumer Protection, the User does not have the right to withdraw from the Agreement, as it concerns the delivery of goods the price of which depends on fluctuations in the financial market—factors beyond the trader's control that may occur during the withdrawal period;
Investapedia DOOEL bears legal liability for any non-conformity of the goods with the concluded Agreement, in accordance with the Law on Consumer Protection;
The User may file a complaint by sending it to the address of Investapedia DOOEL Skopje or electronically via email at: info@investapediagold.mk;
The deadline for responding to a complaint is 8 days from the date of its receipt. The deadline for resolving and making a decision regarding the complaint is 15 days. Further details regarding the handling of user complaints are defined in the General Terms and Conditions of Purchase available on the website www.investapediagold.mk;
The Buyer and Investapedia DOOEL have the option of out-of-court dispute resolution, in accordance with the Law on Consumer Protection; Investapedia DOOEL is legally obligated to participate in the out-of-court resolution of consumer disputes;
For any additional information, the user may contact Investapedia DOOEL by phone at +389/71-50-60-09;
All documents related to the purchasing process and the contractual relationship are available in the Macedonian language;
The General Terms and Conditions for purchasing on the website www.investapediagold.mk, which the User has read and accepted, constitute an integral part of the agreement.

Sincerely, Dejan Kostadinov Petrov – Director
Date of last update: May 1, 2026

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