Last Updated: August 26, 2026
Welcome to the website of Lumia Gold and Minerals Ltd.
These Terms and Conditions govern your access to and use of our website, online resources, inquiry forms, product information, commercial information and related online services.
By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please discontinue use of the website.
1. About Lumia Gold and Minerals
Lumia Gold and Minerals Ltd is a Kenya-based precious-metals company providing services that may include:
- Gold sourcing
- Buyer representation
- Seller representation
- Due diligence support
- Gold export advisory
- Documentation and compliance support
- Logistics coordination
- Assay and refinery support
- Transaction structuring
- Commercial opportunity assessment
- Precious-metals market information
Our principal business focus includes selected gold and mineral opportunities involving Kenya and the wider African market.
2. Purpose of This Website
The website is intended to provide general information about:
- Lumia Gold and Minerals
- Our services
- Gold products
- African gold markets
- Precious-metals transactions
- Educational resources
- Commercial inquiry procedures
Information on this website does not constitute a binding offer to sell, purchase, finance, export, transport or otherwise transact in gold or any other mineral unless confirmed in a separately executed written agreement.
3. No Automatic Offer or Contract
Product pages, pricing examples, specifications, photographs, market information or statements of potential availability are provided for informational and marketing purposes.
They do not constitute:
- A binding sales offer
- A guarantee of stock
- A guarantee of price
- A guarantee of purity
- A commitment to deliver
- A commitment to purchase
- An investment recommendation
A transaction becomes binding only when the appropriate parties enter into a valid written agreement.
4. Product Availability
Gold availability can change without notice.
Any quantity presented on the website remains subject to:
- Physical availability
- Supplier confirmation
- Product verification
- Assay
- Ownership verification
- Applicable licences and permits
- Due diligence
- Compliance approval
- Export authorization
- Contractual agreement
Submitting an inquiry does not reserve gold or guarantee supply.
5. Product Specifications
Gold products may include:
- Gold doré bars
- Refined gold bars
- Natural gold nuggets
- Other approved precious-metal products
Actual specifications vary by lot.
Information concerning:
- Weight
- Purity
- Fineness
- Origin
- Refinery
- Bar size
- Serial number
- Quantity
must be confirmed for the specific transaction.
6. Gold Purity
Lumia does not recommend relying solely on product descriptions, photographs, markings or seller representations when determining gold purity.
Where appropriate, purity should be established through qualified assay or refinery procedures.
References such as:
- 22K
- 23K
- 24K
- 95%
- 97%
- 999
- 999.9
should apply only where supported by the actual product specification or appropriate verification.
7. Prices
Gold prices can change rapidly.
Any price displayed or communicated is subject to confirmation.
Final pricing can depend upon:
- International benchmark
- Weight
- Purity
- Fine-gold content
- Product type
- Quantity
- Location
- Refining
- Delivery terms
- Commercial agreement
No historical, illustrative or indicative price should be interpreted as a guaranteed future transaction price.
8. Buyer Inquiries
Prospective buyers may be required to provide information including:
- Legal company name
- Country
- Website
- Authorized representative
- Product requirement
- Trial quantity
- Monthly requirement
- Destination
- Receiving refinery where applicable
- KYC information
We reserve the right to decline inquiries that cannot satisfy reasonable commercial or compliance requirements.
9. Seller and Supplier Inquiries
Potential sellers may be required to provide:
- Company information
- Ownership information
- Relevant licences
- Product source
- Country of origin
- Quantity
- Assay information
- Proof of authority
- Export capability
- Supporting documentation
Submitting supply information does not guarantee that Lumia will market, purchase or represent the product.
10. Due Diligence
All proposed transactions can be subject to due diligence.
Depending on the circumstances, this can involve:
- Corporate verification
- Beneficial ownership
- Authorized representatives
- Product verification
- Legal ownership
- Origin
- Assay
- Mineral licences
- Export capability
- Payment beneficiaries
- Sanctions screening
- AML/KYC
- Responsible sourcing
Lumia reserves the right to suspend or decline any transaction where due diligence is unsatisfactory.
11. KYC and AML
Precious-metals transactions can be subject to anti-money-laundering, counter-terrorism-financing and related compliance requirements.
Kenya’s Financial Reporting Centre states that dealers in precious metals are within the DNFBP framework, and its current guidance covers customer due diligence, enhanced due diligence, politically exposed persons, beneficial ownership and ongoing review.
Lumia may therefore request additional information before progressing with a commercial relationship.
12. Right to Refuse Business
We may decline, suspend or terminate discussions where there are reasonable concerns involving:
- Fraud
- Money laundering
- Terrorism financing
- Sanctions
- Illegal mineral sourcing
- False documentation
- Undisclosed beneficial ownership
- Bribery or corruption
- Unexplained payment instructions
- Responsible-sourcing concerns
- Misrepresentation
- Failure to complete KYC
We are not required to complete every inquiry received through the website.
13. Responsible Sourcing
Lumia supports responsible gold sourcing.
Where appropriate, counterparties may be asked for information concerning:
- Mine or source
- Country of origin
- Supplier
- Legal ownership
- Chain of custody
- Cross-border movements
- Conflict risk
- Responsible-sourcing procedures
Gold exported from one country should not automatically be represented as originating there if its actual source is elsewhere.
14. Export Permits and Government Documents
Lumia does not manufacture, sell or privately issue government documents.
Official documents such as:
- Export permits
- Mining licences
- Mineral dealing licences
- Customs approvals
- Government certificates
- Certificates of origin
must originate from the appropriate authorized body.
15. Assay Services
Where Lumia coordinates assay, testing is performed by an independent qualified facility.
Lumia does not guarantee:
- Testing methodology
- Laboratory conclusions
- Refinery results
- Final recovery
- Differences between preliminary and final assays
The contract should determine which assay governs settlement.
16. Logistics
Where Lumia coordinates logistics, specialized services may be performed by independent:
- Logistics companies
- Freight forwarders
- Security providers
- Airlines
- Customs agents
- Warehouses
Their services remain subject to their own contractual terms and regulatory requirements.
17. Insurance
Where insurance applies, coverage is governed by the insurance policy issued by the relevant insurer.
Website references to insurance do not constitute an insurance policy or guarantee of coverage.
Buyers and sellers should independently understand:
- Insurer
- Coverage
- Insured value
- Route
- Beneficiary
- Exclusions
- Claims procedure
18. Payment
Payment terms are transaction-specific.
No website page should be interpreted as universal payment instructions.
Before making payments, counterparties should verify:
- Beneficiary
- Account details
- Contractual basis
- Payment milestone
- Escrow agent where applicable
- Release conditions
19. Escrow
Where escrow is proposed, it should be governed by a separate escrow agreement.
Users should independently verify any:
- Lawyer
- Escrow company
- Bank
- Escrow account
- Release conditions
The existence of escrow does not prove that gold exists or that a transaction is risk-free.
20. Third-Party Services
Lumia may introduce or coordinate with third parties.
Such third parties operate independently.
We do not automatically assume liability for acts or omissions of:
- Government agencies
- Buyers
- Sellers
- Refineries
- Assayers
- Banks
- Lawyers
- Insurers
- Airlines
- Logistics providers
- Customs agents
unless liability is expressly established in a valid agreement or applicable law.
21. Intellectual Property
Unless otherwise stated, website materials including:
- Text
- Branding
- Logos
- Graphics
- Guides
- Downloads
- Layouts
- Original images
belong to Lumia Gold and Minerals or are used under appropriate authorization.
You may not reproduce, commercially distribute or misrepresent our materials without permission.
22. Website Downloads
Guides, forms, templates and checklists are educational materials.
They are not substitutes for:
- Legal advice
- Regulatory approval
- Professional contracts
- Government documents
- Formal compliance assessments
23. No Investment Guarantee
Information regarding gold, mining or investment opportunities is general commercial information.
Nothing on this website guarantees:
- Profit
- Investment return
- Gold-price appreciation
- Mine production
- Capital recovery
Users should obtain independent professional advice before investing.
24. Website Accuracy
We make reasonable efforts to keep information accurate.
However:
- Regulations can change
- Gold prices fluctuate
- Product availability changes
- Third-party information can become outdated
We do not warrant that every website page is continuously error-free or current.
25. External Links
External links are provided for convenience or reference.
Lumia does not control third-party websites and is not responsible for their:
- Content
- Security
- Accuracy
- Privacy practices
26. Prohibited Website Use
You must not use the website to:
- Commit fraud
- Impersonate another person or company
- Submit false documents
- Introduce illegal funds or minerals
- Attempt unauthorized access
- Distribute malware
- Scrape protected data unlawfully
- Misrepresent Lumia
- Conduct illegal activities
27. Limitation of Liability
To the maximum extent permitted by applicable law, Lumia will not be liable for indirect or consequential losses arising solely from reliance on general website information.
Nothing in these Terms excludes liability where exclusion would be unlawful.
28. Indemnity
Where legally enforceable, users may be responsible for losses arising from their fraudulent, unlawful or materially misleading use of this website or information submitted through it.
29. Privacy
Personal information is handled in accordance with our Privacy Policy.
30. Cookies
Our use of cookies and similar technologies is described in our Cookie Policy.
31. Changes to These Terms
We may update these Terms periodically.
The current version will appear on this page together with the latest revision date.
32. Governing Law
These website Terms should be governed by the laws of Kenya, unless another applicable law necessarily applies.
Specific commercial contracts may contain their own governing-law and dispute-resolution provisions.
33. Contact
Lumia Gold and Minerals Ltd
Nairobi, Kenya
Website: www.lumiagoldminerals.com
Email: info@lumiagoldminerals.com