Terms of service

These terms form an agreement between you and MSS Jewelry W.L.L. By creating an account or using MSS Gold, you confirm that you are at least 18 years old, have legal capacity to enter this agreement, and accept these terms and our Privacy Policy.

The service is currently intended for eligible customers in the Kingdom of Bahrain. We may request information needed to confirm eligibility before enabling an account or transaction.

You must provide accurate, current information and keep your login methods, device, and verification codes secure. You are responsible for activity properly authenticated through your account unless applicable law provides otherwise.

Tell us promptly if you suspect unauthorized access, a lost device, or incorrect account information. We may restrict access while we investigate or protect you and the service.

Access to transactions is subject to identity verification and ongoing KYC, anti-money-laundering, sanctions, fraud-prevention, and other compliance checks. We may request further documents, pause a request, apply limits, or decline service where required by law or our risk controls.

We may ask where the money you pay with comes from. Where the law or our compliance checks require it, we may delay, refuse or reverse a purchase, sale or collection, keep your gold stored until the checks are complete, or report activity to the authorities. A hold never takes away gold you own. We tell you what we need from you, unless the law does not allow us to explain.

Every purchase in MSS Gold is a purchase of physical 24 karat gold by weight. You choose one of the fixed weights the app offers: 1 g, 2.5 g, 5 g, 10 g, 20 g, 1 oz, 50 g, 5 tola (58.32 g), 100 g or 10 tola (116.64 g). An order can include up to 10 of one weight.

The purity is 999.9 for every weight except 10 tola, which is 999.0. Your invoice describes each purchase as 24 karat gold purchased, with its weight.

You are buying gold by weight, not a particular bar. If you collect your gold, it is handed over as a bar of the same weight and purity, as described in Collecting your gold as bars.

Until you collect it, the gold you buy is stored in a 100% secure vault in Bahrain. It is physically there and backed 1:1 with your holdings: for every gram in your Kenz, real 24 karat gold is held in the vault.

Once MSS confirms your payment, the gold you bought is yours. MSS keeps it for you until you sell it back to MSS or collect it, and your Kenz, invoices and statements in the app show what you hold.

The gold you hold is not a cash balance, a bank deposit or a savings account, and it earns no interest.

There is no storage fee for the gold we keep for you. If we ever introduce one, we will tell you before it applies and update these terms.

If you stop using your account, your gold stays stored for you. If we ever stop offering gold in the app, we will tell you in advance so you can sell your gold back or collect it.

Prices are in Bahraini dinars and follow the international gold price, so they can change at any time. A price shown before you start is a guide. The price you pay, and how long it is held, are shown before you confirm.

Our selling price includes a small premium above the international gold price, which varies according to current market conditions. The final purchase price is shown before you confirm your order.

The price to buy gold and the price to sell it back to MSS are not the same. At any moment the sell-back price is lower than the buy price, so if you buy and then sell straight back, you get back less than you paid. The difference is how MSS covers the cost of buying, storing and handling gold and earns its income.

MSS Gold is a gold purchasing and savings service, not investment, tax, or financial advice. Gold values can rise or fall, and past market movement does not guarantee future results.

MSS charges only the fees below. There is no account fee and no storage fee. The fee for a payment or a collection is shown before you confirm, and that is the fee you pay.

Collecting gold has a collection fee for each bar you collect, whether you pick it up or have it delivered. It is paid on top of what you paid for the gold:

Paying online adds a card service fee, a percentage of the amount you pay. Bank transfers have no fee:

We may change these fees. A change never applies to a payment or collection you have already confirmed, and when fees change we update this section and the effective date of these terms.

When you ask for a price, it is held for 60 seconds while you choose how to pay. When you place the order, its price is locked and you have 15 minutes to pay the exact total: by bank transfer to MSS, uploading the receipt (Fawri+ for orders up to BD 3,000, or Fawri above that), or online by card or wallet where the app offers it. You can have up to 3 unpaid orders at a time.

You can cancel an unpaid order before you upload a receipt. If the order is not paid in time, or no usable receipt arrives in time, the order is cancelled and the price is released.

After you upload a transfer receipt, the price stays locked while MSS staff confirm that your transfer arrived. An online payment is confirmed when our payment provider confirms it. Once your payment is confirmed, the gold is added to your Kenz with an invoice and stored for you in the vault until you sell it back or collect it. If a payment cannot be confirmed, the order is cancelled; contact us if you sent money for a cancelled order and we will return the full amount to the account it came from, whatever the gold price has done since.

Once your payment is confirmed, the purchase is complete. Because the gold price moves with the international market, you cannot cancel or return a purchase because you changed your mind; you can sell the gold back to MSS at the live sell-back price instead. This does not affect your rights under Bahraini law, including a replacement or refund if gold we hand over to you is defective or not as described.

Online payments are processed by Tap Payments, a licensed payment provider. You enter your card details on Tap's secure payment page, or approve the payment in Apple Pay, Google Pay or your bank's app. MSS never sees or stores your full card number. The methods offered, such as Visa, Mastercard, BENEFIT debit cards, Apple Pay, Google Pay, BenefitPay and American Express, can change and are shown in the app when you pay.

The card service fee, listed in Fees, depends on the payment method, covers the payment provider's processing charges and the taxes on them, and is shown with the total before you pay. By paying online you agree to pay this fee.

Visa, Mastercard, Apple Pay and Google Pay are charged at the same rate whichever bank issued the card, in Bahrain or abroad. If the card you actually pay with has a lower rate, such as a BENEFIT debit card, we refund the difference to that card automatically. Your bank may charge its own fees, such as foreign-currency or cross-border fees; these are between you and your bank.

Once a purchase is confirmed, its card service fee is not refundable, including if you later sell the gold back to MSS, unless Bahraini law requires a refund. Sell-back prices do not include it. If a payment is taken after the order has closed, for example because its time ran out or it was cancelled, we refund the full amount, including the fee, to the card you used. Refunds go back to the same card or account and can take several working days to appear, depending on your bank.

If you dispute an online payment with your bank or card issuer, we may hold the gold bought with it while the dispute is resolved, and reverse the purchase if the payment is returned to you.

You can sell gold you hold back to MSS at the sell-back price shown in the app, which follows the live gold price and the weight you sell. Before the price is shown, we send a code by SMS to your verified phone to confirm where MSS pays you. The price is held for 30 seconds while you confirm, and a confirmed sale cannot be cancelled.

MSS pays the proceeds by bank transfer to your Bahrain bank account, as cash you collect from the MSS Gold shop in the Gold Souq, or as cash delivered to your address. We may ask for identification before paying cash.

MSS Gold does not hold money for you. There is no cash balance or wallet: each order is paid by its own bank transfer or online payment, and sale proceeds are paid to you directly. Payment instructions and uploaded receipts are not confirmation that MSS has received your money.

We may reject, reverse, or correct a transaction affected by an obvious pricing error, duplicate instruction, unauthorized activity, technical fault, a payment that cannot be verified, or legal requirement. We will preserve an auditable record and notify you where appropriate.

If a price is plainly wrong because of a fault in our price feed or systems, not an ordinary market move, neither you nor MSS should gain from it. When we correct a price or an entry, we tell you what changed and why, and refund any amount you paid in excess.

You can collect the gold you hold as bars, at the MSS Gold shop in the Gold Souq or by delivery. Each bar is the weight and purity of the gold you bought, and each bar has the collection fee listed in Fees.

The fee and the total for your collection are shown before you confirm. When you confirm, the gold is set aside and you have 15 minutes to pay the fee by bank transfer and upload the receipt, or to pay online where the app offers it, with its card service fee. If the fee is not paid in time, or you cancel before you upload a receipt, the collection is cancelled and the gold returns to your Kenz. Gold set aside for a collection cannot be sold.

Once MSS confirms the fee, we prepare your bars and keep you updated in the app. A collection can take up to 7 working days after MSS confirms the fee. Working days are Sunday to Thursday, not counting public holidays in Bahrain. We do not promise a fixed date; if MSS sets an estimated ready date, the app shows it, and we let you know when your bars are ready for pickup or on their way. If MSS cancels a collection after the fee is confirmed, the gold returns to your Kenz and we refund the fee.

We deliver only to addresses in Bahrain. We check identity at handover, so bring your ID and the collection reference when you collect at the shop. You must give an accurate delivery address and follow the collection and identity-verification instructions.

Check the bars, collection method and delivery details before you confirm, and check your bars when you receive them. Do not accept a delivery that looks opened or damaged; tell us straight away. Once a bar is handed over to you, or to the recipient you named for delivery, it leaves your Kenz and you are responsible for it.

A savings plan is a reminder only. It never buys gold for you: on your schedule it reminds you to buy the weight of gold you chose, and you place and pay for each order yourself. You can pause or cancel a plan at any time.

You must not use MSS Gold for unlawful activity, fraud, sanctions evasion, money laundering, market abuse, impersonation, unauthorized access, automated interference, or transactions on behalf of an undisclosed third party. You must not exploit errors or attempt to disrupt or reverse-engineer the service.

We aim to keep the service reliable, but market feeds, banks, payment providers, identity providers, networks, maintenance, or events outside our reasonable control can delay or interrupt access. We may temporarily pause a transaction type to protect customers, reconcile records, or comply with law.

If events outside our reasonable control, such as a closure or severe disruption of gold markets, a failure of banks or payment networks, power or network outages, natural disasters, war, civil unrest or government action, stop us from performing these terms, we may pause buying, selling or collection while they last, and we are not responsible for the delay. Confirmed purchases keep their price, and your gold stays stored for you. Orders not yet confirmed follow the payment and cancellation rules above.

We may improve or change features and these terms. Material changes will be communicated as required, and the effective date identifies the current version.

If you do not agree with a change, you can stop using MSS Gold, sell your gold back or collect it, and close your account.

You can request account closure from Settings → Account management → Close account. Gold you hold, open orders or collections, payouts due to you, and legal retention obligations must be resolved before closure can be completed.

We may suspend or close access for material breach, suspected misuse, security risk, legal requirement, or inability to complete required verification. Transaction and compliance records may be retained after closure where required by law.

Nothing in these terms excludes liability that cannot lawfully be excluded. To the extent permitted by law, MSS is not responsible for losses caused solely by market movements, inaccurate information you provide, compromised credentials you fail to report, unavailable third-party networks, or events beyond our reasonable control.

If an account entry appears incorrect, contact us promptly so we can investigate against the authoritative transaction and audit records.

Questions or complaints can be sent to info@mssgold.com or raised by calling +973 1721 5101.

You can write to us in Arabic or English. Include your order or reference number so we can find it quickly. We look into every complaint and reply to you with what we found and what we will do.

These terms are governed by the laws of the Kingdom of Bahrain. The competent courts of Bahrain have jurisdiction, subject to any mandatory customer rights or dispute process that applies.