App and Website Terms
1. Scope
1.1These terms cover the HBC app on iOS and Android, the web app at app.himalayanbullion.com, and the member site at member.himalayanbullion.com (together, the "Services").
2. What the Services are
2.1The Services are HBC's own shop. Through them you buy physical silver from HBC, see what you own, arrange collection or custody, offer products back to HBC, and manage your account. Nothing on the Services is a market, exchange or trading platform.
2.2Rates shown are HBC's dealer prices. They are indicative until a payment is confirmed. Any chart, price history or market information shown is background information about the silver market, provided for context only; it is not advice, not an offer, and not a trading tool.
3. No advice
3.1HBC does not give investment, financial, tax or legal advice. Nothing in the Services, including the HBC AI assistant, market commentary or any description of a product, is a recommendation to buy or sell silver or a statement about its future price. Silver can fall in value. Decide for yourself or take independent advice.
4. Your account and security
4.1You must give true information and keep it current. One account per person. You are responsible for every action taken with your credentials, device keys and passkeys until you tell HBC they are compromised.
4.2Do not share your sign-in, let anyone else use your account, attempt to access another account, probe or interfere with the Services, or use them for anything unlawful. HBC may suspend an account for misuse.
5. Availability and changes
5.1HBC aims to keep the Services available but does not guarantee uninterrupted access. HBC may suspend the Services for maintenance, security or legal reasons. HBC may require you to update the app to continue using it.
5.2If the Services are unavailable, you may transact in store during business hours. Your ownership, custody and plan records are unaffected by any outage.
6. Errors
6.1If the Services display a price, quantity or record that is plainly wrong because of a system error, HBC corrects the display to match its receipts, allocation register and PAN bills, which you may inspect and dispute under the Complaints and Disputes Policy. A purchase made at a plainly wrong price may be cancelled under the Terms of Service §5.5 with every amount returned.
7. HBC AI assistant
7.1The assistant answers questions from HBC's published policies and your account facts. It is a tool, not a person, and HBC says so in the app. Its answers do not vary HBC's policies; where an answer and a policy differ, the policy governs. You may ask for a human at any time.
8. Third-party content
8.1The Services include content from third parties (market chart, payment pages, wallet passes). HBC does not control it and is not responsible for it beyond what the law requires.
9. Intellectual property
9.1The Services, HBC's name, logos, product designs and content belong to HBC. You may use them only to use the Services.
10. Liability
10.1HBC is liable for its own breaches and for the products it sells. HBC is not liable for loss from unavailability of the Services, from your device or network, or from your sharing of credentials, except where the law provides otherwise. Nothing here excludes liability that cannot be excluded by law.
11. Ending use
11.1You may stop using the Services at any time. Your products, plans and Credits remain yours and are managed in store. Account deletion is under the Privacy Notice.