Judith Capital LLC (“Judith Capital”) is the parent company of a U.S.-based group of specialized subsidiaries engaged in the sourcing and sale of loose diamonds, market analytics, exclusive gold bullion, secondhand acquisitions, professional material testing, and private club operations. Judith Capital and its subsidiaries may be collectively referred to as “Judith Capital,” “we,” “our,” or “us” throughout this document.

These Terms apply to your interactions with us, whether online or in person. For the purposes of these Terms, “client” refers to any individual, entity, or authorized representative (including attorney proxies) engaging in transactions, consultations, or services with us. By accessing or using our services, including buying or selling diamonds, bullion, or jewelry, utilizing independent testing, or engaging in analytics or certification services, you agree to these Terms. Terms specific to our Private Club are governed separately and available only to approved members.

We are committed to ensuring digital accessibility for all users. We continually work to improve the usability and accessibility of our website in accordance with best practices and applicable standards. If you experience difficulty accessing any part of our site, please contact us at info@judithcapital.com, and we will make every reasonable effort to assist you. We welcome feedback to improve accessibility and user experience for all visitors.

1. Legal Age Requirement. You must be at least 18 years old to make purchases or engage in any transactions with us. By placing an order, you confirm that you meet this legal age requirement.

2. Services and Platform Scope. We specialize in loose diamonds, market analytics, and gold bullion, supported by advanced in-house testing. We also offer a Buyers Club available to all, and a separate, invitation-only Private Club.

Lab-grown diamonds are available to all through our standard e-commerce checkout. Natural diamonds are available to Judith Capital Buyers Club members through our own concierge brokerage, with the exception of 10+ carat flawless natural diamonds, available to all. Diamonds are usually delivered via mail order, with U.S. shipping only.

We offer hyperfractional gold by the gram, in grain format. Optional casting into a custom-weight artisanal bullion piece is complimentary for orders of 10 grams or more. These items are usually fulfilled via mail order with U.S. shipping only, and payment is handled through our standard e-commerce checkout. For clients pursuing the highest tier of bullion, our beautiful minted gold is offered exclusively by invitation and sold only in 25-kilogram increments. Each acquisition includes private jet travel to Las Vegas and a memorable delivery experience.

Buyers Club membership is available via monthly subscription and includes natural diamond market access, flat-fee natural diamond brokerage, 50% off lab-grown diamonds purchased through our e-commerce platform, and discounted pricing on select gold bullion offerings, as described on our website from time to time.

3. Professional Testing Services. Testing is conducted in a secure, private environment, with results shared exclusively with you. Most diamonds we sell are graded by independent, third-party laboratories such as the Gemological Institute of America (GIA) or the International Gemological Institute (IGI), providing an additional layer of verification.

Similarly, all gold bullion purchases are accompanied by third-party documentation, including assay certificates verifying the purity of the product. This dual-check system combines our testing with independent third-party verification, ensuring rigorous checks by two trusted sources.

By using our services, you benefit from advanced methods designed for reliable assessments. However, minor discrepancies may occur due to inherent limitations in testing technology. The liability limitations outlined in Section 18 apply to all claims related to our testing services.

4. Testing Results Disclaimer. Our scientific methods and testing standards are designed to provide the highest level of accuracy. Most diamonds we sell are also pre-graded by trusted third-party laboratories such as GIA or IGI, and bullion purchases include third-party assay certificates. These independent checks offer an additional layer of verification.

We encourage you to review all documentation provided, as it further supports the quality and authenticity of your purchase. While testing results reflect the most reliable information available at the time, we are not liable for any damages, including loss of value, arising from test results. If you have questions or concerns, we are available to assist with further verification as needed.

5. Material Testing vs Brand Authentication. We provide scientific testing services to determine the composition and authenticity of diamonds, gold, and other precious metals. Our methods include advanced techniques such as X-ray fluorescence (XRF), ultraviolet fluorescence, and density measurement.

Our testing focuses solely on material composition. While counterfeit materials can often be identified, we do not verify or guarantee the authenticity of brand-name items.

6. Non-Disclosure Agreement (NDA) Availability. We regularly handle sensitive transactions and offer Non-Disclosure Agreements (NDAs) upon request. If you require an NDA or have specific confidentiality needs, please contact us before your transaction so we can accommodate them appropriately.

7. Right to Refuse Service. We reserve the right to refuse service or decline to engage in any transaction at our sole discretion, provided such refusal does not violate applicable laws, including those prohibiting discrimination based on race, color, religion, sex, national origin, age, disability, or other protected characteristics. We do not inquire into protected characteristics, as such inquiries are neither relevant nor permitted.

This right includes (but is not limited to) situations where the client does not align with our standards of exclusivity and discretion, or where the transaction may pose a reputational, operational, or legal risk.

This policy applies to all transactions, including bullion invitations. If we decline to proceed after receiving payment, we will issue a prompt refund, except in cases involving suspected fraud.

We will refuse service to any individual or entity listed on the U.S. Department of the Treasury’s Specially Designated Nationals (SDN) List or other applicable sanctions lists administered by the Office of Foreign Assets Control (OFAC). We also reserve the right to decline or cancel transactions if they would violate any applicable law or regulation.

8. Acceptance, Modification, and Cancellation of Orders. Submitting an order, whether online or in person, does not constitute our acceptance of your order. We reserve the right to decline any order at our discretion, including due to legal or regulatory requirements, inventory limitations, suspected fraud, or payment concerns. We may also limit the number of items purchased per person, household, or order.

If we are unable to supply a product or service, we will notify you in writing (via email). If payment has already been received, we will issue a full refund as soon as reasonably possible. We may modify or cancel an order due to errors in pricing, availability, or for any other reason at our sole discretion.

9. Accepted Payment Methods. Prices for our products, including diamonds and gold bullion, are subject to change without notice. All applicable taxes are the responsibility of the client and must be paid in addition to the purchase price unless otherwise specified.

We generally accept credit and debit cards for lab-grown diamonds, gold grain, casted gold bullion, and Buyers Club subscriptions through our standard e-commerce checkout. For orders above certain pricing thresholds, or at our discretion, payment by bank wire transfer may be required.

We accept bank wire transfers and, at our discretion, publicly traded securities as payment for our 25-kilogram sets of minted gold bullion.

For any transaction with a purchase price of $300,000 or more, we require notarized acknowledgment at two stages: (a) following receipt of payment and prior to fulfillment, and (b) at the time of delivery. These acknowledgments confirm the identity and authorization of the purchaser, establish undisputed documentation of the transaction, and provide the client with legally recognized proof of purchase for insurance and record-keeping purposes. We will coordinate the presence of a licensed mobile notary, and all reasonable associated costs will be covered by us. Clients agree to cooperate in completing these acknowledgments. Failure to do so may result in cancellation of the order and a refund of any payment received.

10. Delivery and Shipping. We accept orders from individuals or entities located outside the United States, but we do not ship goods outside the United States. Diamonds, gold grain, and casted gold bullion are shipped via mail order within the United States. In some cases, items may be delivered in person by a Judith Capital representative. In such cases, delivery is considered complete once the items have been physically transferred to the client or their authorized representative. Our minted gold bullion is sold in 25-kilogram sets and includes private jet travel to Las Vegas for a memorable delivery experience.

Because each diamond is individually imported from our network of international suppliers, please allow approximately 7–10 business days for sourcing and verification prior to shipment. Once verified at our Nevada laboratory, your diamond ships via insured, signature-required service, typically delivered within 1–3 days throughout the continental United States.

11. Special Procedures for Minted Gold Bullion Transactions. Our minted gold bullion is offered exclusively by invitation and sold only in 25-kilogram increments, with tiered pricing available for purchases up to 200 kilos. Our minted gold bullion is available only through our invitation-only delivery experience in Las Vegas. Transactions are handled with elevated care and discretion. We retain full discretion over who receives an invitation and may decline any request without explanation. Clients may request to join the waitlist, but an invitation is not guaranteed.

(a) Payment Methods for Bullion Transactions. For approved minted gold bullion purchases, we accept payment in U.S. dollars via domestic or international wire transfer, as well as transfers of publicly traded securities through our U.S. brokerage partners. Securities transfers may only be executed through approved, regulated brokerage channels and are available solely for finalized bullion orders.

(b) Commitment Fee for Bullion Consideration: We may offer an optional pathway for consideration through a non-refundable Commitment Fee (“Commitment Fee”). The Commitment Fee is a discretionary, invitation-adjacent mechanism that signals a client’s serious intent and alignment with our exclusivity standards. Payment of the Commitment Fee does not guarantee acceptance, an invitation, future eligibility, or access to any bullion products or services. The following terms apply:

(1) Purpose and Effect of the Commitment Fee. The Commitment Fee serves solely as a signal of interest and intent. It does not constitute a deposit, retainer, partial payment, or credit toward any future purchase. It does not lock in or secure any bullion price, market rate, inventory allotment, delivery window, purity specification, or tiered pricing.

(2) Commitment Fee Procedure. Before wiring instructions are provided, clients must complete our preliminary information form and submit all requested identification or entity documentation. We will conduct compliance checks, including OFAC and other sanctions screenings, prior to issuing U.S. wiring details. Commitment Fees must be paid in U.S. dollars via domestic or international wire transfer. We do not accept securities, cryptocurrency, precious metals, negotiable instruments, or any non-cash assets as Commitment Fee payment.

(3) No Guarantee of Invitation or Transaction. We retain full discretion to determine whether a client will be invited to purchase bullion, regardless of payment of a Commitment Fee. Invitations are not guaranteed. We may decline to proceed with any applicant for any reason at our sole discretion.

(4) Refundability. The Commitment Fee is non-refundable, including if the client withdraws, changes their mind, becomes unresponsive, or otherwise chooses not to proceed, the Commitment Fee is forfeited. However, if we elect not to extend an invitation or otherwise decline to engage in a bullion transaction for any reason, we will provide a full refund of the Commitment Fee.

(5) Compliance Review (Including OFAC). All Commitment Fees are subject to compliance screening, including verification against the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) sanctions lists. If a client is found to be ineligible due to sanctions or other regulatory restrictions, we will decline the transaction and refund the Commitment Fee. Clients are responsible for ensuring they are legally permitted to engage in bullion-related transactions under applicable laws.

(6) No Price Lock or Market Protection. Submission of a Commitment Fee does not lock, freeze, secure, or otherwise protect the price of gold. Bullion pricing is determined only at the time we formally accept a specific bullion order after completing all required compliance reviews, receiving full cleared payment, and issuing written confirmation of the final order details (“Order Confirmation”). Until Order Confirmation occurs, no pricing is guaranteed, and all prices remain subject to change based on prevailing market conditions.

(7) International Clients. We welcome inquiries from international clients; however, all bullion transactions must comply with U.S. law, including OFAC. Payment of a Commitment Fee does not override our U.S.-only delivery policy, nor does it guarantee eligibility for a U.S.-based bullion transaction.

12. International Travel Compliance. Once a client takes possession of their purchases, they assume full responsibility for compliance with all applicable laws and regulations, including those governing the transportation of precious metals and stones within the United States and internationally. Clients are advised to be aware of customs requirements, import tariffs, or restrictions that may apply when transporting diamonds or gold bullion across international borders. It is the client’s responsibility to declare their diamonds or gold bullion to the appropriate authorities and provide any required documentation, including proof of ownership, as requested by TSA, customs officials, or other regulatory bodies.

We are not responsible for any tax, customs, or legal obligations that may arise after transfer of ownership, including those related to travel, interstate transport, or international importation of diamonds or gold bullion.

13. Post-Sale Testing and Liability Disclaimer for Gold Bullion. We test, verify, and document each gold bullion sale to ensure authenticity and purity. Every purchase includes third-party documentation, such as assay certificates, and may include additional independent testing conducted by us.

Before ownership is transferred, we ensure all documentation is complete and the bullion has passed our testing standards. Once delivered to the client or their authorized representative, the transaction is considered final. Clients are strongly encouraged to raise any questions or specific concerns prior to delivery.

After the sale is completed and delivery is made, we assume no responsibility for any claims regarding the bullion’s purity or authenticity. Any claims must be supported by third-party testing conducted before delivery, unless otherwise agreed in writing, in exceptional cases, within a limited timeframe set at our sole discretion. The product must also show no signs of tampering, substitution, or post-delivery damage, as determined by us.

In the rare event of a post-sale concern, we reserve the right to request verification from an agreed-upon third-party laboratory or independent expert. The cost of verification will be the client’s responsibility until completed. We may also require proof that the bullion was securely stored and not subjected to improper conditions after delivery.

These policies exist to protect the integrity of our transactions and prevent fraud. While the default position is finality, we remain open to addressing legitimate concerns in good faith.

14. Video Documentation and Transaction Security.We may record the testing, packaging, and delivery preparation process. These videos are maintained for internal use and serve as a secure record of item condition and authenticity. Access may be granted upon client request for added assurance.

All transactions are conducted with enhanced security measures to protect both you and us. These include insured shipping or delivery, designed to reduce the risk of tampering or loss, as well as the option for clients or their authorized representatives to be present during final testing and verification before delivery.

Once the product is transferred to the client or their representative, responsibility for the safekeeping and condition of the item rests solely with the client.

15. Fraud Prevention and Dispute Resolution. In the unlikely event of a dispute regarding the authenticity or purity of gold bullion, we are committed to resolving the issue fairly and efficiently. We will conduct an internal review and, if necessary, engage trusted third-party experts or authorities to reach a conclusion.

We reserve the right to cancel orders, suspend accounts, or take other appropriate action if fraud, attempted fraud, or suspicious activity is detected at any stage of a transaction. We may request additional verification or documentation before processing an order, confirming a sale, or completing delivery. These measures are in place to protect our clients, safeguard our operations, and maintain the integrity of the platform.

If there is evidence that the item was tampered with or altered after delivery, we reserve the right to take legal action. In such cases, legal costs will be the responsibility of the party found at fault. Our preference is always to work cooperatively to avoid disputes whenever possible.

Liability for any bullion transaction is limited to the amount paid, and this limitation applies to all post-sale claims involving fraud, inaccuracy, or authenticity. We reserve the right to involve third-party fraud investigators or law enforcement in cases where disputed authenticity may involve criminal or deceptive conduct.

16. Special Orders; No Cancellations. All products we offer, including lab-grown diamonds, natural diamonds, gold grain, casted bullion, and minted bullion, are sourced, prepared, or created specifically for the individual client placing the order. Every purchase is therefore considered a special order.

Because special orders are initiated immediately upon receipt of payment and involve individualized procurement, verification, or preparation, all sales are final and may not be canceled, modified, or refunded for any reason after an order is placed.

If we are unable to fulfill an order due to availability, compliance, market conditions, or any other operational factor, we will notify you and issue a full refund. This is the sole exception to the special-order finality described above. We reserve the right to cancel any order pursuant to Section 8.

Nothing in these Terms shall be interpreted as granting a right to cancellation or refund except where we are unable to fulfill an order or otherwise decline the transaction pursuant to Section 8.

17. Returns and Refunds (Diamonds). Below are the terms governing diamond returns and refunds:

(a) Diamond Return Policy: Diamonds are not eligible for return. All sales are final.

(b) Authentication Guarantee: Every diamond undergoes authentication before shipping to ensure you receive the exact diamond you ordered. If images or additional details are not included in the listing, you may request them before placing your order.

(c) Diamond Fulfillment Disclaimer: Diamond availability is subject to market conditions and real-time inventory changes. While we make every effort to secure and deliver the exact diamond you order, there may be instances where a selected diamond is no longer available at the time of processing. If we are unable to fulfill part of your order due to availability, we will promptly inform you and offer alternative options or issue a refund for the unavailable portion of your order.

Most orders ship within 5 to 14 days. Because diamonds are sourced globally and verified in-house, some may require additional time. We’ll provide updates if anything is expected to exceed the normal timeframe.

18. Cancellations and Transfers (Bullion). All gold bullion purchases are final upon confirmation. Confirmation occurs when we receive full payment and formally accept the order, including agreement on specifications such as weight, purity, and delivery method. Once confirmed, bullion orders may not be canceled or refunded. Clients are encouraged to raise any questions or concerns before finalizing their purchase.

For minted bullion purchases involving travel to Las Vegas, clients may request that physical delivery be made to a third party, including a gift recipient, a purchaser of the bullion from the original client, or an affiliated entity such as an LLC. We do not participate in, validate, or become a party to any transaction between the original client and any third party. Our role is limited to delivering the bullion to the party designated by the original client, provided that party satisfies our identity, eligibility, and compliance requirements.

We can also coordinate introductions to approved, independent IRA custodians for clients who wish to explore long-term, tax-advantaged gold placement. These custodians operate separately from Judith Capital, and any IRA-related transaction must comply with their requirements and applicable tax regulations. Our role is limited to facilitating the introduction; all account setup, compliance, and transaction decisions remain strictly between the client and the chosen custodian.

All transfer requests must be submitted no less than 30 days before the scheduled delivery date to allow time for review and coordination. All costs associated with modifying delivery arrangements are the responsibility of the original purchaser. Approved delivery transfers do not alter the finality of the sale, which remains fully binding on the original client.

Delivery to a designated third party is performed solely as an accommodation to the original client and does not constitute our involvement in, endorsement of, or participation in any assignment, resale, or transfer of ownership that may occur between the client and such third party.

19. Limitation of Liability. To the fullest extent permitted by law, our liability for any claims arising from your use of our services or products is limited to the total amount paid for the item or service in question. This limitation applies to all claims, regardless of cause, including but not limited to contract, tort, negligence, misrepresentation, or statutory liability.

This limitation does not affect any rights you may have under applicable consumer protection laws.

20. Liability for Website Usage and Content. We are not liable for temporary service interruptions, technical errors, or downtime that may affect access to our website or digital tools. We make reasonable efforts to ensure that all website content is accurate; however, we do not guarantee the completeness, accuracy, or availability of any content, including product descriptions or pricing information.

We reserve the right to correct errors and to modify or cancel orders affected by such inaccuracies at our sole discretion.

21. Force Majeure. We are not liable for any delay or failure to perform resulting from events or conditions beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemics, natural disasters, labor disputes, strikes, lockouts, supply chain disruptions, or governmental actions.

22. Governing Law and Jurisdiction. These Terms are governed by the laws of the State of Nevada, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms is subject to the exclusive jurisdiction of the state and federal courts located in Clark County, Nevada.

23. Arbitration Agreement; Waiver of Jury Trial. By agreeing to these Terms, you waive the right to a jury trial or participation in any class action, consolidated, or representative proceeding. All disputes, claims, or controversies arising out of or relating to these Terms, your use of our website, or any transaction with us shall be resolved exclusively through binding arbitration, except for individual claims that qualify for small claims court.

Arbitration will take place in Henderson, Nevada, and will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. A neutral arbitrator will be selected either by mutual agreement or by the AAA. The arbitrator will apply Nevada law without regard to its conflict of law provisions.

To initiate arbitration, either party must submit a written demand to the AAA. All aspects of the arbitration process, including documents and evidence presented, will remain strictly confidential unless disclosure is required by law. The arbitrator’s decision will be final and binding and may be entered as a judgment in any court with jurisdiction.

Each party will bear its own arbitration costs, including attorneys’ fees, unless the arbitrator determines otherwise or applicable law permits an award of costs to the prevailing party.

If any portion of this arbitration agreement (such as the class action waiver) is found unenforceable, the remainder shall remain in full force and effect. Any dispute not subject to arbitration shall be resolved exclusively in the state or federal courts located in Clark County, Nevada.

Before initiating arbitration, you are encouraged to contact us at info@judithcapital.com with a written notice of your claim. If the matter is not resolved within 30 days of receipt, either party may proceed with arbitration.

This arbitration agreement is governed by the Federal Arbitration Act and applicable Nevada law.

24. Intellectual Property. All content on our website, including text, graphics, logos, images, and software, is the property of Judith Capital or its licensors and is protected under applicable copyright and trademark laws.

By submitting any feedback, suggestions, or other materials to us, you grant us a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, distribute, and display such materials. We are under no obligation to use or acknowledge any materials submitted.

25. Indemnification. You agree to defend, indemnify, and hold harmless Judith Capital, our affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any third-party claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the website, your violation of these Terms, or your infringement of the rights of any other person or entity.

26. Severability. If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed modified to the extent necessary to render it enforceable, or, if modification is not possible, it will be severed from the Terms. All remaining provisions will remain in full force and effect.

27. Reservation of Right to Modify. We reserve the right to modify these Terms at any time. Changes will take effect upon posting to our website, and continued use of the website after such posting constitutes your acceptance of the modified Terms. You are responsible for reviewing the Terms periodically to stay informed of any updates.

28. No Waiver. No failure or delay by us to enforce any provision of these Terms shall be deemed a waiver of that provision or of any other provision. Any waiver must be in writing and signed by an authorized representative of Judith Capital.

29. Child Online Privacy Protection. Our website is not intended for use by individuals under the age of 18. We do not knowingly collect personal information, as defined by the Children’s Online Privacy Protection Act (COPPA), from anyone under 18 years of age. If we become aware that such information has been collected inadvertently, we will promptly delete it from our records.

30. How to Contact Us. If you have any questions, concerns, or complaints regarding these Terms or our compliance with applicable data protection laws, or if you wish to exercise your privacy rights, please contact us at info@judithcapital.com.

We are honored by the trust you place in us. Our Terms reflect our commitment to discretion, exclusivity, and trust, and every aspect of your engagement with us is built around those values.