Returns and Refunds Policy

Liquid Noble Pty Ltd | gBuy product orders
Effective date: 19th of September 2026

1. About this policy

This policy explains cancellations, product returns, faulty-product remedies and refunds for products purchased from Liquid Noble Pty Ltd through gBuy, including orders fulfilled through third parties. gBuy is a service and brand operated by Liquid Noble Pty Ltd. It is not a separate legal entity. Liquid Noble Pty Ltd is your seller and contracting party, whether you use gBuy through Liquid Noble, a standalone gBuy website or a gBuy app.

This policy covers physical products and, where offered, third-party gift cards and digital products. It does not set the terms for buying, selling, storing or redeeming bullion, or for Liquid Noble's own bullion gift cards. Those transactions have separate terms. Nothing in this policy limits any mandatory rights relating to those transactions.

We offer eligible customers in Australia and the European Union a 14-day change-of-mind return period. In Australia, this is an additional promise we make for the product categories identified in section 4. In the EU, eligible online consumer purchases carry a statutory right to withdraw from the purchase, subject to applicable exceptions. Rights concerning faulty products are separate and can continue after the 14-day period.

Nothing in this policy excludes, restricts or replaces rights or remedies that cannot lawfully be excluded, including under the Australian Consumer Law and applicable EU member-state law. Where mandatory law provides greater protection, that protection applies. Australian consumer guarantees can also apply to qualifying business purchases.

2. Contacting us

Seller: Liquid Noble Pty Ltd
ABN: 71 674 454 776
Business and correspondence address: Suite 32, 42 Manilla Street, East Brisbane, QLD 4169, Australia
gBuy orders, returns and complaints: gday@gbuy.au
General Liquid Noble enquiries: hello@liquidnoble.com
Telephone: +61 7 3435 1507
Online returns: gBuy → Order History → Order Details → Return item

You can send a return or withdrawal notice to our email or correspondence address. For physical returns, we will identify the appropriate return destination, which may be a third-party returns centre authorised to receive goods on our behalf. Our correspondence address is not necessarily the return destination; use the instructions supplied for your order. You do not need permission before notifying us that you are exercising a statutory right.

3. Pending orders and executed purchases

Adding goods to a cart does not place an order. When you save a cart with a maximum price expressed in gold or silver, you create a pending order. We reserve up to the selected amount from your Liquid Noble metal holding while it is pending, so that amount cannot be used for another transaction. The reservation does not itself sell metal or transfer your entitlement to it. A pending order does not oblige us to sell you the products. You may cancel it in the app at any time before execution, without a cancellation fee; we then release the reserved amount. Cancelling a pending order does not sell your metal or generate a product refund.

We assess pending orders for execution during our business hours, Monday to Friday, 9:00 am to 5:00 pm Brisbane time (AEST, UTC+10), excluding Queensland public holidays. Prices or indications shown outside those hours are estimates, not executable quotes. A price condition being met does not itself execute an order, and a pending order submitted or eligible shortly before closing may be assessed the next business day. Prices, exchange rates, availability and other conditions may change before assessment. We do not guarantee that an indication or price condition observed at one time will still apply when we assess the order.

Before execution, we check whether the entire cart is available for delivery and whether we can complete the order within your selected maximum metal amount. If an item is temporarily unavailable, the order may remain pending. If an item is discontinued, cannot be delivered, or the cart otherwise cannot be fulfilled as requested, we may cancel the pending order and release its reserved metal. Pending orders have no guaranteed execution date and may remain pending indefinitely. We may also cancel a pending order if we cannot lawfully or practicably complete it, including where required information, payment arrangements or regulatory checks cannot be completed. We will notify you when we cancel it.

Displayed product prices, descriptions and delivery charges can contain errors. Before selling any reserved metal and accepting a product purchase, we may correct an error, reassess the cart against your selected maximum, or cancel the pending order and release the reservation. We will not sell additional metal or charge a higher product price without your agreement. If we discover an error after execution, we will contact you and deal with the product purchase under applicable law; this does not itself reverse a completed bullion sale.

If we can fulfil the cart within your chosen limit, we determine the metal amount needed at the executable price, process the sale of that amount under our bullion sale terms, release any unused reserved metal, and accept and arrange the product purchase from Liquid Noble. We confirm the executed purchase, recording the metal sold, the resulting currency proceeds and the monetary product price, including applicable taxes, discounts and delivery charges. Liquid Noble Pty Ltd is the sole seller of products ordered through gBuy. Your metal cannot be used through gBuy to pay a product supplier or another merchant; Liquid Noble pays its suppliers separately and on its own behalf.

Once executed, the bullion sale is final for purposes of a product change-of-mind return. Returning a product does not reverse the bullion sale or require us to buy metal to restore the original grams. Product refunds are calculated in currency under section 8. If fulfilment unexpectedly fails after execution, contact us; we will provide any refund or remedy due for the product purchase under this policy and applicable law. A separate complaint about how the bullion sale itself was executed is dealt with under the bullion terms and applicable law.

After execution, contact us or use the applicable order action if you want to cancel before dispatch. We will seek to stop fulfilment where practicable. If it cannot be stopped, your applicable withdrawal and return rights remain available. Subject to rights and remedies that cannot lawfully be excluded, we are not responsible for loss arising solely from the time a pending order remains unexecuted or from its cancellation before execution, including an assumed benefit from a hypothetical purchase or a change in metal prices. No product purchase, price saving or gain from holding metal is guaranteed.

4. The 14-day return period

For eligible physical products, notify us within 14 calendar days after you or your nominated recipient, other than the carrier, receives the goods. You may also notify us before delivery; the deadline for giving notice is still measured from delivery. An early notice does not require us to reimburse you before the goods are returned or you provide sufficient evidence of sending them back where the law permits us to withhold reimbursement. No explanation is required for a change-of-mind return.

Our additional Australian change-of-mind offer does not cover products in the following categories: cameras; electronics; computers and computer accessories; wireless devices; office products; music; video and DVDs; software; video games; home entertainment; books; toys; tools and home-improvement products; kitchen products; automotive products; major appliances; and personal-care appliances. It also does not cover gift cards or vouchers, digital products supplied without a physical medium, or the products and circumstances excluded in section 10. Products containing hazardous substances that cannot safely be returned through the available return arrangements are also excluded from our Australian voluntary offer. Other physical products are eligible for the Australian voluntary offer only if they can be returned under the applicable supplier's change-of-mind return terms for our purchase. These limits apply only to our voluntary Australian offer. They do not restrict Australian consumer guarantees, an applicable EU statutory withdrawal right or any other mandatory remedy.

For EU purchases involving several goods ordered together under one contract and delivered separately, the period runs from receipt of the last good. For an item delivered in separate lots or pieces, it runs from receipt of the final lot or piece. For regular deliveries under one contract over a defined period, it runs from receipt of the first delivery. We apply these same timing rules to our Australian voluntary return offer.

Any extension of the deadline required by applicable law applies, including where required withdrawal information was not provided. Under EU rules, missing withdrawal information can extend the period by up to 12 months; if it is supplied during that extension, a new 14-day period generally begins when it is received.

Services and digital content may have a period running from contract conclusion rather than delivery. See section 10 for the relevant exceptions and early-supply rules.

5. Starting a return

Open the purchase in Order History, select Return item, choose the item and quantity, and confirm your decision. You may return individual eligible items or all eligible items in the purchase. Where a product was sold as a single set, the set should be returned together for a change-of-mind return. Simply refusing delivery or leaving a parcel uncollected does not, by itself, notify us that you wish to withdraw.

We use the customer and order details already held in your account. Any request for a reason is optional for change-of-mind returns. You can also email or write to us with a clear statement identifying the purchase you wish to cancel. The optional form in section 14 is available for this purpose. You do not have to use our online function or that form.

Submitting a valid withdrawal notice exercises your right; it does not require support approval. We acknowledge an online EU withdrawal without delay on a durable medium, such as email. Return requested or Pending return means that the return process is underway, not that you are waiting for permission to withdraw.

If the online function is unavailable, email or write to us. Technical problems or an expired button do not remove rights that remain available under law.

6. Sending products back

After your notice, we will provide the applicable return destination and practical instructions, including any return reference or label needed for our designated process, without undue delay. Goods may be returned directly to a third-party returns centre acting on our behalf. Its receipt of the goods counts as receipt for this policy; you do not have to send them to our office first. Unless we offer to collect them, send them back without undue delay and within 14 days after notifying us, if you have received them by then. If you notified us before delivery and cannot send the goods back within that time because they are still in transit, send them back without undue delay after receipt, following our instructions. Posting within the applicable period meets the deadline; the goods do not need to arrive within it.

If a delay in our instructions prevents a timely return, we will not rely on that delay to defeat your return. Contact gday@gbuy.au if you have not received instructions or need help with a large or hazardous item. Follow reasonable routing, labelling and packaging instructions so the return can be identified. A missing reference or use of another suitable carrier does not, by itself, invalidate a statutory withdrawal.

Include the relevant accessories and parts, and pack the item securely. Retain evidence of dispatch and any postage receipts. Tracking is recommended, but purchasing insurance is not a condition of a statutory remedy. Original packaging is helpful but is not an absolute condition of a statutory return. For our Australian voluntary change-of-mind offer, the product must be complete and in substantially the condition in which you received it, allowing only the handling reasonably needed to inspect it. Return any included accessories, tags, certificates and packaging that form part of the product. We may decline a voluntary return if those conditions are not met.

You can inspect eligible goods to establish their nature, characteristics and operation, as you reasonably could in a shop. For a change-of-mind return, we may deduct a lawful, evidenced reduction in value caused by handling beyond what was necessary for that inspection. We will explain any deduction. We will not impose an automatic deduction merely because a box has been opened, and will not deduct diminished value where the law prohibits it or required withdrawal information was not supplied.

These change-of-mind handling rules do not reduce your rights for faulty products.

Evidence and verification

Retain evidence that the parcel was handed to the carrier, such as a postal receipt or carrier acceptance record identifying the sender and recipient. Merely creating a label or stating that an item has been posted does not, by itself, establish dispatch. We may verify evidence promptly and request reasonable clarification of discrepancies. Where sufficient dispatch evidence triggers a statutory refund, we will not require a delivered scan or independent certification of the parcel contents as an additional condition.

We may check returned goods against the order, including their identity, serial number, accessories and condition. Returning an unrelated item, sending an empty parcel or submitting false evidence does not create a refund entitlement. We may pursue recovery of an overpayment or other loss where legally entitled to do so. Verification and recovery measures will be proportionate and will not override statutory deadlines or justify withholding an undisputed amount without a lawful basis.

We may investigate repeated or abusive return activity and take proportionate action, including restricting future voluntary returns or refusing future pending orders. We may decline a voluntary refund where the applicable conditions have not been met. We will not treat a genuine request for a statutory remedy as abuse or use an account restriction to deny an existing right.

Before returning an electronic device, back up personal data, remove your accounts and access locks, and erase personal data where reasonably possible. Tell us if a fault prevents these steps. This request does not make a statutory remedy conditional on performing an impossible step.

7. Return shipping costs

For change-of-mind returns, you pay the direct return shipping cost only where applicable law permits this and any required information was provided before purchase, unless we expressly offered free returns. Otherwise, we bear that cost to the extent required by law. The return options and any applicable charge will be provided for your order.

Where a product is faulty, incorrect, damaged on delivery or otherwise fails an applicable consumer guarantee, we bear the reasonable return costs required by law. We will arrange an appropriate return or collection and reimburse reasonable postage costs you have incurred where a defect is confirmed. We will arrange collection for large or difficult-to-return faulty goods where required.

Do not send dangerous goods through an unsuitable postal service. Contact us for safe arrangements.

8. How refunds are calculated and paid

The amount refunded

A full product refund is based on the monetary price you actually paid for the returned item, including applicable tax and after discounts. Your order confirmation identifies that price and currency. It is not calculated using a supplier's acquisition cost, an advertised retail value, or the current value of gold or silver.

For example, if your confirmed purchase price was EUR 100, the starting amount for a full refund is EUR 100. A subsequent change in the price of bullion does not change that amount. Any legally permitted adjustment, such as diminished value for a change-of-mind return, will be itemised.

For partial returns, we refund the price allocated to the returned items, with any order discount allocated fairly and consistently with the purchase confirmation. We do not retrospectively charge a cancellation or restocking fee or remove free delivery merely because you exercise your withdrawal right.

For a full EU statutory change-of-mind withdrawal, we also refund the standard outbound delivery charge you paid. If you selected a more expensive delivery method, we need only refund the cost of the least expensive standard option offered. For partial returns, we refund any separately attributable delivery charge for the returned items; a delivery charge that would have been the same for the retained items is generally not refunded, unless the law requires otherwise. For Australian voluntary change-of-mind returns, original delivery charges are not refunded unless we agreed otherwise before purchase. Additional statutory compensation rights remain available.

Direct payment to your bank

We pay refunds for bullion-funded product purchases in currency by bank transfer to an account verified as belonging to you. Before accepting an EU bullion-funded product order, we will obtain your express agreement to this refund method where the law requires agreement to a method other than that used for the initial transaction. If we cannot agree on a lawful refund method, we may decline or cancel the pending order before execution and release the reserved metal. We will verify or securely obtain current bank details without unjustified delay. A card previously used to buy bullion is not the payment method for a separate gBuy product purchase.

Refunds are not credited to a spendable Liquid Noble cash balance. We do not buy bullion with a product refund. A product return does not reverse a completed bullion sale or restore the same number of grams. A separate complaint about the bullion sale itself is governed by its terms and applicable law.

We calculate the refund in the currency recorded for the product purchase. If you request another payout currency, we will explain the conversion and obtain your agreement before proceeding. We do not charge a refund administration fee. We will not deduct transfer costs from a refund where the law requires reimbursement without fees, including for an agreed alternative method under EU withdrawal rules.

Administration of refunds

Liquid Noble administers your refund using the applicable amount and timetable in this policy. Return instructions and receipt confirmations may be provided through our designated returns centre. We will explain any lawful deduction, with supporting details on request.

9. Refund timing

EU statutory withdrawals

We reimburse without undue delay and no later than 14 days after receiving your withdrawal notice. Unless we offer to collect the goods, we may withhold reimbursement until we or our designated returns centre receive them, or you supply evidence of sending them back, whichever occurs first. This also applies if you notify us while goods are still in transit; giving notice early does not entitle you to a refund while we are lawfully withholding reimbursement. We may verify dispatch evidence as described in section 6. We do not begin a fresh 14-day period when goods arrive. If the basis for lawful withholding ends after that deadline, reimbursement is made without undue delay.

Australian voluntary change-of-mind returns

For this additional return offer, we may wait until we or our designated returns centre have received and reasonably assessed the goods. We will process any refund due within a reasonable time after that assessment. This does not delay a remedy under the Australian Consumer Law or another mandatory right. A more favourable promise supplied with your order remains binding.

Faulty products and other statutory remedies

We may reasonably assess a reported fault to determine the appropriate remedy, subject to applicable law and its allocation of the burden of proof. Refunds and other remedies will be provided within the legally required time. We may rely on inspection and receipt information from our designated returns centre, but doing so does not extend a statutory deadline.

Bank payment processing

We will confirm when payment has been sent. Bank processing can affect when it appears in your account. You must provide accurate payment details and promptly tell us of changes. If account details are missing or a transfer fails, we will contact you to arrange payment. Any proportionate verification must be completed without unjustified delay. A refund is not treated as paid merely because it has been recorded internally.

10. Exceptions and particular products

The 14-day change-of-mind right may not apply to:

• goods made to your specifications or clearly personalised;
• goods liable to deteriorate or expire rapidly;
• sealed goods unsuitable for return for health or hygiene reasons once unsealed after delivery;
• sealed audio or video recordings or computer software once unsealed;
• goods inseparably mixed with other items after delivery;
• newspapers and periodicals, other than applicable subscriptions; or
• certain services for a specified date or period, such as accommodation, catering or leisure activities.

We will disclose an applicable exception before purchase. We use these exclusions for our Australian voluntary offer, but they do not override mandatory rights in either region. Goods are not excluded merely because they are discounted, sourced specially from a supplier, or funded using bullion.

For paid digital content supplied without a physical medium, EU withdrawal rights are lost on the start of supply only where all legal conditions are met, including prior express consent to early supply, acknowledgement of losing the right, and the required contract confirmation. For paid services, early commencement alone does not extinguish the right: full performance and the required consent and acknowledgement are necessary. Any lawful payment for services provided before withdrawal will be proportionate and subject to the required information and request.

Gift cards and vouchers: We do not offer change-of-mind returns or refunds for third-party gift cards and vouchers, whether unused or redeemed. We do not cancel or deactivate cards after issue.

11. Australian consumer guarantees

Where the Australian Consumer Law applies, products must meet the applicable guarantees, including acceptable quality, reasonable durability, safety, fitness for a disclosed purpose, and correspondence with their description or sample. Services must meet the applicable guarantees of care and skill, fitness for purpose and timely performance.

For a major product failure, you can choose a refund or replacement. For a minor failure, we may first provide an appropriate free remedy. If we do not remedy it within a reasonable time, further remedies may be available. Your full remedies under the Australian Consumer Law remain available.

Damage caused by misuse or a change of mind does not itself establish a consumer guarantee failure. Where no covered fault is found, we will explain the result; any lawful inspection or collection charge must have been disclosed with a reasonable estimate beforehand and agreed where required.

There is no universal 14-day or manufacturer-warranty limit on these guarantees. The applicable period depends on the product, its price, expected use and other circumstances. A refund for a valid rejection is not reduced for ordinary use before the failure. Proof of purchase may be required; your Liquid Noble order record normally supplies it. Original packaging is not required.

You may also recover reasonably foreseeable loss caused by a guarantee failure. Tell us about that loss and retain supporting evidence. We will assess such claims on their evidence and applicable law.

12. EU rights for faulty or non-conforming products

EU consumers have a legal guarantee for goods covering qualifying non-conformity that becomes apparent within at least two years from delivery. Applicable national law may provide longer or additional protection. During at least the first year, a defect is generally presumed to have existed at delivery unless the seller proves otherwise or the presumption is incompatible with the defect or goods. Some countries provide a longer presumption period.

You can normally choose repair or replacement, subject to impossibility or disproportionate cost. Remedies must be free, completed within a reasonable time and without significant inconvenience. A price reduction or termination and refund may be available where the required remedy is refused, fails, is not provided appropriately, or the defect is sufficiently serious. Termination is generally unavailable for a merely minor defect; we bear the burden of establishing that it is minor.

We bear required return, removal and reinstallation costs for these remedies. Refunds on termination follow applicable national rules, including reimbursement on receipt of the goods or evidence of their return where applicable. National rules governing notification, limitation periods and additional remedies continue to apply.

Digital content, digital services and goods with digital elements also carry applicable conformity and update rights. These can extend throughout an agreed continuous supply period. Where applicable, failure to supply or bring digital content or services into conformity can entitle you to terminate or obtain a price reduction. Refunds due under those rules are made without undue delay and within the applicable 14-day deadline.

13. Delivery problems and complaints

Tell us promptly about missing deliveries, damage, incorrect items or faults, using your order details or the contact information above. Photographs or a description can help us assess a fault, but we will not impose an arbitrary short reporting deadline that removes statutory rights. If a product may be unsafe, stop using it and contact us.

Product availability and delivery dates shown before execution are estimates unless we expressly confirm a binding delivery date. We will advise you if an executed purchase cannot be supplied as agreed. If a delivery fails because you gave an incorrect or incomplete address, were unavailable following reasonable notice, or did not disclose a known access restriction that prevents delivery, we may charge the reasonable, evidenced cost of another delivery attempt or collection to the extent permitted by law. We will tell you the amount or how it is calculated before arranging a chargeable attempt. This does not apply where the failure was caused by us, our supplier or carrier, and does not reduce a remedy owed under mandatory law.

We remain responsible for fulfilment and applicable remedies even where a supplier or courier dispatches the goods. For EU purchases, we deliver within the agreed period, or generally within 30 days of contract conclusion if no other period was agreed. If we miss the deadline, you can generally give us a reasonable additional period and terminate if delivery still fails. No additional period is required where we refuse delivery or the agreed timing was essential under the applicable rules. Amounts owed on termination will be refunded without undue delay.

Contact us if you disagree with a proposed remedy or deduction. We will explain our decision and consider any further evidence. You do not need to exhaust our complaints process before exercising statutory rights or seeking help from a consumer authority, dispute-resolution body or court with jurisdiction. No term in this policy requires an EU consumer to give up mandatory protections or access to courts available under applicable law.

14. Optional withdrawal form

You may use this form to notify us of withdrawal. It is optional and may be sent by email or post.

To: Liquid Noble Pty Ltd, at the email or correspondence address in section 2.

I/We hereby give notice that I/We withdraw from my/our contract for the sale of the following goods or provision of the following service:

• Goods or service:
• Order number, if available:
• Ordered on / received on:
• Consumer name(s):
• Consumer address:
• Signature, only if submitted on paper:
• Date:

Delete whichever wording does not apply. A reason for withdrawal is not required.

15. Policy updates

We may update this policy for future purchases. Updates will not retrospectively reduce rights attached to an existing purchase. We will honour any more favourable return promise expressly included with your order, together with all mandatory rights.