2.1 What GoldVault is

GoldVault is an online promotional sweepstakes platform at getgoldvault.com, operated by Towson and Hopkins LLC. Players purchase Gold Coins to play the games on the Platform for entertainment. Gold Coins have no monetary value, cannot be withdrawn and cannot be exchanged for money or prizes. Sweeps Coins are provided free of charge, as described in the Official Sweepstakes Rules, and are the only coin that may be redeemed for prizes. No purchase is necessary to obtain Sweeps Coins or to win.

2.2 The two coins

• Gold Coins are sold for play only. Each purchase is final once any Gold Coins from it have been played, as set out in the Refund Policy.
• Sweeps Coins are never sold. They are granted free with Gold Coin purchases, daily on sign-in, and by mail-in request, with equal odds and prizes for every entrant.
• Sweeps Coin winnings may be redeemed for prizes only by a verified account holder, after review, under the Official Sweepstakes Rules.

2.3 Eligibility

• You must be 21 or older and complete identity verification before any redemption.
• The Platform is not offered to persons located in the states listed in the Official Sweepstakes Rules. Location is checked on sign-up, purchase, redemption and play.
• One account per person. Accounts opened to evade an exclusion, a block or a limit are closed and unredeemed Sweeps Coins are forfeited.

2.4 Fair play

• Game outcomes are determined server-side from a committed server seed, your client seed and a round number, and can be verified after the seed is revealed.
• Each game states its maximum payout. A result that exceeds a game's declared maximum because of an error is void and will be corrected.
• Automated play, collusion, exploitation of errors and use of VPNs or proxies to misrepresent location are prohibited.

3.1 Profile Registration

• Users must provide accurate, complete information during registration
• One account per person, per household address. Duplicate accounts are closed and unredeemed Sweeps Coins forfeited
• Players must be 21 years of age or older and legally capable of entering contracts
• Players must be located in a permitted state. Location is checked on registration, purchase, play and redemption

3.2 Identity Verification (KYC)

3.3 Profile Security

• Users are responsible for maintaining profile security and password confidentiality
• Users must immediately notify us of suspected unauthorized access
• Multi-factor authentication may be required for enhanced security

4.1 Buying Gold Coins

• Gold Coins are virtual play credits sold by GoldVault for entertainment. They have no monetary value, cannot be withdrawn, and cannot be exchanged for money or prizes.
• Purchases are made in US dollars by payment card and are delivered to your account immediately. GoldVault is the seller.
• The price of each Gold Coin package is shown before you confirm. There is no separate transaction fee, subscription or membership charge.
• Refunds are governed by the Refund Policy.

4.2 Sweeps Coins are always free

4.3 Prize redemption

Sweeps Coins won through play may be redeemed for prizes under the Official Sweepstakes Rules:

• Request: a Player submits a redemption request from their account. The minimum redemption is US$10.00 and daily limits apply.
• Review: GoldVault reviews every request and may decline one where these Terms or the Official Rules have not been followed.
• Payment: an approved prize is paid to the verified account holder by the method shown at the time of the request.

4.4 Timing and taxes

• Review: normally 1 to 2 business days. A first or unusually large redemption may take longer while verification is completed.
• Florida residents: no single prize exceeding $5,000 is awarded.
• Taxes: any tax arising on a prize is the Player's responsibility. We report prizes where the law requires it.

Users may NOT use the Platform for:

• Money laundering, terrorist financing, or other illegal financial activities
• Activities involving sanctioned individuals, entities, or jurisdictions
• Fraudulent activities including use of stolen payment methods or false identity information
• Circumventing limits through multiple profiles or coordinated activity
• Creating fake referrals or manipulating platform features
• Any activities violating applicable laws or regulations

6.1 User Obligations

• Comply with all applicable laws in your jurisdiction
• Cooperate with compliance investigations and requests for information
• Provide accurate information and update it promptly when changes occur

6.2 Platform Rights

7.1 Service Limitations

• THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED
• We do not guarantee uninterrupted service availability
• We are not liable for delays, failures, or losses due to third-party service providers, including payment processors and gift card networks
• Maximum liability is limited to the fees paid to GoldVault for the transactions giving rise to liability

7.2 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, regulatory changes, third-party service outages, or technical infrastructure failures.

8.1 Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

8.2 Arbitration

Any disputes arising from these Terms or the Platform shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Users waive the right to participate in class action lawsuits.