Terms & Conditions

Last Updated: January 21, 2025

Welcome to stbl.io. These Terms and Conditions ("Terms") govern your access to and use of our website and services. By using stbl.io, you agree to be bound by these Terms. If you do not agree, please refrain from using our services.

1. Introduction

Welcome to STBL.io. These Terms of Service ("Terms") govern your access to and use of STBL.io and our digital gold and silver trading platform (the “Platform”). By using our services, you agree to comply with these Terms. If you do not agree, please do not use our services.

2. Eligibility

To use our Platform, you must:

Be at least 18 years old (or the legal age in your jurisdiction).
Not be located in or a resident of any jurisdiction where we are restricted from offering services.
Comply with all applicable laws and regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

3. Account Registration & Security

You must provide accurate information when registering for an account.
You are responsible for safeguarding your login credentials. We are not liable for any unauthorized account activity.
You must notify us immediately if you suspect unauthorized access to your account.

4. Trading & Investment Risks

Trading in digital assets backed by gold and silver carries risks. While precious metals have historically held value, prices can fluctuate due to market conditions. By using the Platform, you acknowledge that:

You are responsible for your own investment decisions.
The value of digital assets can rise or fall, and past performance does not guarantee future results.
STBL.io does not provide financial, investment, or tax advice. You should consult a professional before trading.

5. Transactions & Fees

Deposits & Withdrawals: Transactions involving gold- and silver-backed digital assets are subject to verification and security procedures.
Fees: We may charge transaction, withdrawal, or account maintenance fees. Fee structures are disclosed on the Platform and are subject to change.
No Refunds: All transactions are final and non-reversible, except as required by law.

6. Compliance & AML/KYC Requirements

We comply with AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
You must verify your identity before using certain features of the Platform.
We reserve the right to suspend or terminate accounts that fail compliance checks or are suspected of fraudulent activity.

7. Prohibited Activities

You agree not to:

Use the Platform for illegal, fraudulent, or deceptive activities.
Engage in market manipulation or unauthorized trading practices.
Attempt to hack, exploit, or disrupt the Platform.

We reserve the right to investigate violations and take appropriate legal action.

8. Suspension & Termination

We may suspend or terminate your account if:

You violate these Terms or applicable laws.
Your account is flagged for suspicious activity.
Required by regulatory authorities.

9. Intellectual Property

All content on STBL.io (logos, trademarks, text, graphics) is the property of STBL and is protected by copyright laws.
You may not use our branding without written permission.

10. Limitation of Liability

STBL.io and its affiliates are not liable for:

Losses resulting from market fluctuations or trading decisions.
Service interruptions, security breaches, or unauthorized account access.
Regulatory changes that may impact platform operations.

Our total liability to you, if any, shall not exceed the total fees you have paid to us in the past 12 months.

11. Dispute Resolution

Governing Law: These Terms are governed by the laws of Utah, United States of America.
Arbitration: Any disputes arising from these Terms will be resolved through arbitration in Utah, except where prohibited by law.

12. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page, and continued use of the Platform constitutes acceptance of the updated Terms.

13. Contact Us

Email: [email protected]

Address: 5513 W 11000 N 408, Highland, UT 84003

FAQ'S SECTION

Some Common FAQ's

Get answers to your questions and learn about our platform

What Is The Concept Behind STBL?

STBL combines the advantages of digital currencies with the tangible security of precious metals. Each token represents an actual ounce of Gold or silver, providing a modern way to own, trade, and transact with precious metals.

What Is STBL's Process For Acquiring Precious Metals Like Gold And Silver?

STBL procures physical gold and silver bars from reputable and accredited suppliers recognized for their reliability and adherence to industry standards.

How Does STBL Ensure The Purity And Quality Of Acquired Metals?

All gold and silver bars obtained must meet high-quality and purity standards regulated by organizations like the LBMA. Before storage, they undergo a rigorous auditing and verification process.

How Is The Gold/Silver Converted Into A Processed Form?

Raw gold/silver is securely sent daily from the vault to The Ohio Mint and additional minting partners for processing into finished products, such as coins or bars. After processing, the refined metals are securely transported back to the vault for storage.

Where Is The Raw Gold/Silver Stored?

The raw precious metals backing the STBL tokens are stored in approved facilities that adhere to the highest global standards of safety and authenticity.

How Is Blockchain Technology Integrated With STBL?

STBL uses blockchain to link the ownership records of digital precious metals to the physical metals stored in secure, audited vaults. This ensures that each digital unit is backed by a corresponding amount of physical precious metal.

What Are The Benefits Of Holding STBL Tokens?

STBL holders can: - Receive digital tokens backed by physical Gold and Silver. - Convert gold-backed tokens into silver-backed tokens and vice versa. - Potentially benefit from token appreciation. - Access liquidity through a digital wallet. - Spend their holdings using a Visa debit card linked to their digital wallet. - Store their metals securely and free of cost. - Opt for physical delivery of the metals.

Can I Invest In Just A Fraction Of Gold STBL Or Silver STBL?

Initially all STBL will be sold as a 1:1 metal-backed token. In the near future, STBL will allow users to invest in fractionalized Gold STBL and Silver STBL.

Can I Get The Actual Gold Or Silver Delivered To Me?

Yes, STBL offers the option for physical delivery of precious metals to a specified address for users who wish to convert their digital holdings into physical form.

How Is The Safety Of My Investment Guaranteed?

Every ounce of gold and silver backing the STBL tokens is insured by a policy from Lloyd’s of London. Furthermore, the storage facilities have advanced security protocols, including surveillance systems, access controls, and physical security measures.

Can I Use STBL For Everyday Transactions?

Yes, STBL offers a Real Time Payment (RTP) solution allowing direct transfers to a bank account linked to the digital wallet (VISA Debit and Tap to Pay option coming soon), allowing users to spend their gold and silver holdings in real-world transactions.

What Is The Concept Behind STBL?

What Is STBL's Process For Acquiring Precious Metals Like Gold And Silver?

STBL procures physical gold and silver bars from reputable and accredited suppliers recognized for their reliability and adherence to industry standards.

How Does STBL Ensure The Purity And Quality Of Acquired Metals?

All gold and silver bars obtained must meet high-quality and purity standards regulated by organizations like the LBMA. Before storage, they undergo a rigorous auditing and verification process.

How Is The Gold/Silver Converted Into A Processed Form?

Where Is The Raw Gold/Silver Stored?

The raw precious metals backing the STBL tokens are stored in approved facilities that adhere to the highest global standards of safety and authenticity.

How Is Blockchain Technology Integrated With STBL?

What Are The Benefits Of Holding STBL Tokens?

Can I Invest In Just A Fraction Of Gold STBL Or Silver STBL?

Initially all STBL will be sold as a 1:1 metal-backed token. In the near future, STBL will allow users to invest in fractionalized Gold STBL and Silver STBL.

Can I Get The Actual Gold Or Silver Delivered To Me?

Yes, STBL offers the option for physical delivery of precious metals to a specified address for users who wish to convert their digital holdings into physical form.

How Is The Safety Of My Investment Guaranteed?

Can I Use STBL For Everyday Transactions?

What Is The Concept Behind STBL?

What Is STBL's Process For Acquiring Precious Metals Like Gold And Silver?

How Does STBL Ensure The Purity And Quality Of Acquired Metals?

How Is The Gold/Silver Converted Into A Processed Form?

Where Is The Raw Gold/Silver Stored?

How Is Blockchain Technology Integrated With STBL?

What Are The Benefits Of Holding STBL Tokens?

Can I Invest In Just A Fraction Of Gold STBL Or Silver STBL?

Initially all STBL will be sold as a 1:1 metal-backed token. In the near future, STBL will allow users to invest in fractionalized Gold STBL and Silver STBL.

Can I Get The Actual Gold Or Silver Delivered To Me?

Yes, STBL offers the option for physical delivery of precious metals to a specified address for users who wish to convert their digital holdings into physical form.

How Is The Safety Of My Investment Guaranteed?

Can I Use STBL For Everyday Transactions?

THE FUTURE OF WEALTH STARTS NOW