Nadir Metal Rafineri (“Supplier”) supplies Life with the Financial Fitness Bullion Reserve Gram Card (“Card”). The Supplier has certified the quality of the gold bullion in the Card. Life disclaims any and all responsibility for the accuracy of the Supplier’s quality certification and you, as buyer of the Card, assume the risk of Supplier’s certification.

You acknowledge, understand and hereby agree to and accept the risks and disclaimers contained herein. Buying gold bullion involves risks and is speculative in nature. The value is affected by various conditions and many economic factors. Some of these factors may include the quality, current demand and general market conditions. Because gold bullion can drastically decline in value, investing in the Card involves a degree of risk that makes it unsuitable for many individuals. Life does not sell this Card as an investment, and does not offer investment or financial advice. Life expresses no opinion on the soundness of your purchase nor does it make any recommendations, projections, representations or guarantees with respect to the future price or value of the gold bullion contained in the Card or whether purchasing the Card is proper for you or anyone you may purchase the Card on behalf of. You are urged and are responsible to consult with your own financial advisors before making the decision to purchase a Card. You agree to assume the risk of any decrease in value of the gold bullion contained in the Card. You expressly acknowledge that Life is not liable or responsible for any risks related to you purchasing the Card or its current or future value. It is your responsibility to have adequate cash reserves and disposable income before considering purchasing the Card or other gold bullion.

You acknowledge, understand and agree that you may not be able to liquidate the Card, or the bullion in it, whether due to certain market or other conditions or otherwise, or that you may not be able to liquidate the Card, or the bullion in it, at prices acceptable to you and/or at times acceptable to you. Other than as stated in below in Right to Cancel, you acknowledge and agree that Life has no obligation to buyback the Card, the bullion in it, or to refund your purchase price. You are responsible to determine whether or not you may be able to sell the Card, or the gold bullion in it, for cash to dealers or others at any given time, as well as the pricing and the length of time that may be needed to complete such transactions. You are responsible to determine whether or not you may expect to incur an immediate unrealized loss upon purchase of the Card and an actual loss if you sell the Card for cash soon after purchase or in the longer-term.

You represent and warrant to Life that you, either alone or together with your investment or financial advisors, have sufficient experience and knowledge to make informed decisions to purchase the Card from Life. You expressly acknowledge that you are making all of your own decisions in connection with purchases and/or sales, and that Life is not making any recommendation with respect to such purchases and/or such sales.

You acknowledge and agree that Life’s Members are prohibited from furnishing you with investment or financial advice and that you have not relied on any statements, recommendations, or opinions communicated to you by a Member in violation of this policy.

You acknowledge receipt of and that you have reviewed the Federal Trade Commission’s Consumer Information on Investing in Gold.


The price of the Card varies daily and may vary during the day. The final price will be set by Life when an order is fulfilled. You will not be notified before the price of an order is fixed at fulfillment. Although most orders are shipped within two business days of payment, in some circumstances shipment may take up to approximately thirty (30) days from payment, depending upon the manner of delivery. You are fully responsible for applicable taxes, and shipping and handling charges which will be added to the purchase price of the Card.


LIFE reserves the right to accept or reject this Order in whole or in part, in its discretion, at any time prior to delivery of the Card to you, without any liability and responsibility for damages to you or other recourse by you.


You may cancel the purchase of this Card within five (5) business days from the date of purchase. Should you wish to cancel, you must return the Card to Life, together with a copy of this receipt. All returns must be shipped prepaid at your expense. The risk of loss in shipping the returned Card shall be on you. If the returned Card is not received, it is your responsibility to trace the shipment. The Card must be in substantially as good condition as when purchased by you. If you fail to return the Card as required, no refund will be provided. If you properly cancel, any payments made by you for the returned Card, less a ten (10%) percent administrative fee of the total of the purchase price of the Card plus any deficit between the price at which Life sold to you and the price of the Card on the day received by Life (“Market Loss Policy”), will be returned to you within ten (10) business days following Life’s receipt of the returned Card, along with a copy of this receipt, and Life’s inspection of the Card. Any increase in the value of the gold bullion contained in the Card, between the date of purchase and the date of return shall remain with Life.


You agree to indemnify and hold harmless Life and its affiliates, subsidiaries, parent companies, directors, officers, and owners from and against any and all costs, damages, expenses, liabilities, and obligations, including, without limitation, reasonable attorneys' fees that Life and/or you may incur as a result of, or in connection with any breach of any representation, warranty or agreement made herein by you to Life, or your failure to comply with these terms and conditions. You hereby agree to release the Life and its parents, subsidiaries, affiliates, officers, directors, agents, employees, licensors, shareholders, co-branders or other partners, employees, and advertising partners from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known, suspected or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to, without limitation, such disputes and/or to the Card.


In the event of any failure by you to comply with these terms and conditions and/or your obligation to make payment to, or return the Card per the Right to Cancel to, Life, you will become liable for any and all market losses incurred by Life, and the administrative fees for accepting your orders to either buy from or sell to us. You expressly authorize Life to charge your account all such amounts. In addition, upon any failure by you to comply with your obligations to Life, Life shall have all of the rights and the remedies available to Life, whether at law, in equity, or otherwise, including without limitation, rights and remedies under these terms and conditions. Without limiting or waving any of such rights and/or remedies, Life may turn your account over to a collection agency or attorney for collection. No delay or failure on the part of Life in exercising any right or any remedy shall operate as a waiver of such right or such remedy, and any partial exercise of any right or any remedy shall not preclude or constitute a waiver of further exercise of that right or that remedy, or the exercise of any other right or any other remedy. Further, and in addition to the other rights and remedies available to Life, in the event of any failure by you to comply with these terms and conditions, Life may, without limiting its other rights and/or its other remedies, suspend or terminate your account. The suspension or the termination of your account shall not affect your obligations under these terms and conditions. In addition, and without limiting any other rights and/or any other remedies available to Life, Life may apply any of your funds in its possession to pay your monetary obligations to Life, and may offset any monetary obligations that Life has to you against your monetary obligations to Life.


In the event that Life must take any action against you to enforce your obligations under these terms and conditions, including, without limitation, turning your account over to a collection agency or attorney for collection, you shall pay all of the costs and the expenses incurred by Life, including, without limitation, reasonable attorneys' fees, in connection with such action.


You are subject to the Disclaimers herein, and the limitations of liability and other policies adopted by Life, all as set forth herein. In the event that, notwithstanding such limitations of liability and Disclaimer, Life is determined to be liable to you in connection with any transaction between Life and you, your exclusive remedy and Life’s entire liability, if any, for any claims arising out of such transaction shall be limited to the greater of one of the following: (1) the amount, if any, that you paid Life in the transaction; or (2) $100. IN NO EVENT SHALL LIFE OR ITS AFFILIATES, SUBSIDIARIES, PARENT COMPANY(S), DIRECTORS, OFFICERS, OR MANAGERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, EXEMPLARY, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH ANY TRANSACTION BETWEEN LIFE AND YOU (EXCEPT AS SET FORTH HEREIN).


If Life cannot perform any of its obligations hereunder as a result of any event that is beyond its control, including any lack of Cards for sale to you, Life's delay or failure to perform such obligation shall be excused and Life shall not be liable to you, for damages or otherwise, as a result of, or in connection with, such delay or such failure.


You hereby agree to, and shall, execute and deliver such other documents, provide additional information, and take such other actions as may be reasonably requested by Life to carry out these terms and conditions.


You agree to resolve and settle any grievance, complaint or dispute among you and Life and/or Life Members arising from or related to the Card and the bullion contained therein through binding arbitration before a single arbitrator administered by the American Arbitration Association (“AAA”) in accordance with the AAA’s Commercial Arbitration Rules (“Rules”), and knowledgeably and intentionally waive any right to a jury trial and/or court adjudication. The Rules are available on AAA’s website at www.adr.org. The parties shall select one arbitrator pursuant to AAA procedures for the appointment of arbitrators. The decision of the Arbitrator shall be final and binding on the parties, and judgment on the award of the Arbitrator may be entered in a court having jurisdiction Governing Law, Jurisdiction and Venue. This agreement to arbitrate shall survive cancellation of the Order. The fees and costs assessed by the AAA, the fees and expenses of the Arbitrator, and any expenses associated with the hearing location shall be equally shared by the parties. Each party to the arbitration shall be responsible for its own costs and expenses of arbitration, including legal and filing fees. The parties and the Arbitrator shall maintain the confidentiality of the entire arbitration process, including the substance of, or basis for, the grievance, complaint or dispute, testimony or other evidence, and the terms of any arbitration award or settlement, except that nothing herein shall prohibit disclosure in a manner which prohibits a party from, in good faith, investigating a claim or defense, or disclosure in a civil action to enforce these arbitration provisions or any arbitration award or settlement.


You agree that a demand for arbitration must be made within one (1) year of the date of your certification printed on the first page of this Order or the grievance, complaint or dispute, and any liability and damages arising therefrom, shall be forever barred.


The United States Arbitration Act (also known as the Federal Arbitration Act) shall govern all matters relating to arbitration. The law of the State of North Carolina, without giving effect to conflicts of law rules, shall govern all other matters relating to or arising from these terms and conditions. Actions to enter judgment on the arbitration award and/or to enforce the arbitration award shall be brought exclusively in the United States District Court for the Eastern District of North Carolina or in the North Carolina state court in Wake County, North Carolina. You expressly consent to submit to the personal jurisdiction of the United States District Court for the Eastern District of North Carolina and to the North Carolina state court in Wake County, North Carolina, and waives any right to contest the assertion of personal jurisdiction over the Member in these courts. You waive any objection that such courts do not provide a convenient forum.


These terms and conditions shall be governed by, and interpreted in accordance with, the laws of the State of North Carolina, without regard to conflict of laws principles.


The sole relationship between Life and you relative to the purchase and sale of the Card is a purchaser-seller relationship. The purchase and sale of the Card does not establish any other relationship, including, without limitation, any agent-principal relationship, any employee-employer relationship, any franchisee-franchisor relationship, any joint venture relationship or any partnership relationship, between Life and you.


You may not assign these terms and conditions or any of your rights or your obligations hereunder without the prior written consent of Life, which may be granted or withheld by Life in its sole discretion. These terms and conditions shall be binding on all permitted assigns and successors of Life and you.


Life reserves the right to amend, modify or supersede these terms and conditions any anytime without advance notice to you.


Life makes to no representation that the Card is available for sale in locations outside the United States. The Card is subject to all United States export laws. Therefore, no products may be exported or re-exported into, or to a national or resident of, Cuba, Iran, North Korea, Syria or any country to which the United States has embargoed goods. Additionally, no products may be exported or re-exported to anyone on the United States Treasury Department’s list of specially designated nationals or the United States Commerce Department’s Table of Denial Orders


If any provision of these terms and conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.


These terms and conditions constitutes the entire agreement between Life and you with respect to its subject matter and supersedes any prior agreements.