Legal, Regulatory & Due Diligence Disclosures.
Complete institutional transparency governing bailee title custody, OECD conflict-free mineral supply chains, UK & UAE anti-money laundering standards, and strict client confidentiality.
Terms of Custody & English Bailment Title
Statutory definition of segregated bailee custody, legal title insulation from banking insolvency, and Lloyd's of London specimen insurance policy.
1. Bailee Custody vs. Debtor-Creditor Relationship
Physical gold stored by AR Gold Ltd (London) or AR Gold DMCC (Dubai) on behalf of the client is held strictly under the legal principles of English bailment law. The client retains absolute, uninterrupted, and non-fungible legal ownership (title in rem) of specific, serial-numbered physical gold bullion bars or ingots.
Unlike commercial banking institutions or unallocated bullion accounts where deposited bullion becomes an unsegregated liability of the bank (creating an unsecured debtor-creditor relationship), AR Gold acts solely as a custodial bailee. In the event of bankruptcy, restructuring, or statutory liquidation of AR Gold or depository vault operators, client-allocated bullion remains off-balance-sheet and cannot be seized, liquidated, or pooled by creditors or trustees.
2. Segregation and Serial Registry
Every Good Delivery bar (400 oz or 1 kg) or minted ingot allocated to a client account is assigned a unique assayer-stamped serial number, fineness certification (minimum 999.9), and origin lot identifier. Bars are stored in dedicated tamper-evident sealed containment units within our high-security vault facilities.
Clients receive an electronic and notarized Certificate of Bailee Custody within 24 hours of physical vault arrival and assay verification. Re-hypothecation, securities lending, and unallocated fractional trading are explicitly prohibited under our corporate charters.
3. Depository Inspection and Physical Withdrawal
Allocated account holders maintain the right to inspect their physical bars in person at the London or Dubai vault facilities upon providing forty-eight (48) hours written notice to their dedicated wealth liaison officer.
Physical withdrawal or international armored transport may be requested at any time. Dispatch is executed via licensed international logistics partners (Malca-Amit, Brink's, or Loomis) subject to customs clearing procedures and standard verification protocol.
4. Comprehensive Specimen Insurance
All physical gold in our custody or in transit via approved armored couriers is covered at 100% of current London Bullion Market Association (LBMA) replacement spot value under a dedicated specimen insurance policy underwritten by Lloyd's of London syndicates.
Coverage protects against physical loss, theft, robbery, mysterious disappearance, and transit damage from mine-site aggregation centers in Africa to ultimate vault settlement.
- •100% Segregated Bailment: Gold is held in your direct legal ownership, insulated from commercial bank insolvency.
- •Full Lloyd's Policy: All allocated bullion is insured to 100% of current LBMA market value.
- •OECD Conflict-Free: Audited 5-step framework across Kenyan and Sierra Leone extraction corridors.
- •Cashless Settlement: Wire transfers through regulated tier-1 banks eliminate illicit financial flows.
Legal & Compliance Desk
For formal custody deeds, legal counsel inquiries, or AML verification packages: