GoldFlex is a professional investment platform that deploys your capital in active precious metals trading to generate fixed, predictable returns. Unlike conventional gold accounts where gold is simply held in passive storage, GoldFlex takes an active approach: GoldFlex is operated by Hartmann & Benz Limited – a licensed and regulated investment firm with extensive experience in precious metals trading.

The key difference lies in the approach:

• Traditional Gold Account / Savings Plan: Your money is used to purchase gold, which is then passively stored in a vault. Returns are only realised upon eventual sale – entirely dependent on the gold price.
• GoldFlex: Your capital is not passively stored. Instead, we deploy it in active, professional precious metals trading. Through continuous trading cycles, we generate returns that flow to you as fixed interest payments, independent of short-term gold price fluctuations.

GoldFlex is backed by Hartmann & Benz Limited – a licensed investment firm specialising in precious metals trading. The company holds comprehensive registrations and certifications:

• CAC Registration: RC 8152978 (Corporate Affairs Commission)
• SCUML Certification: SC 251101867
• NIPC Registration: BRC/4617 (Investment Promotion Commission)

A seasoned team of financial experts and precious metals traders ensures that your capital is managed professionally and profitably.

GoldFlex is designed for anyone looking to invest their capital securely and with strong returns. The platform is particularly well-suited for:

• High-net-worth individuals seeking an alternative to low-interest bank products
• Corporations with excess liquidity looking to park their capital profitably
• Family offices & foundations that require stable, predictable returns
• Pension funds & insurance companies seeking asset-backed investment solutions

With a minimum investment of €5,000, getting started is accessible for everyone.

Yes – and with significantly higher returns. While traditional fixed-term deposits at banks currently offer between 2.0% and 3.5% p.a., GoldFlex delivers up to 10.87% p.a. depending on the chosen term. Furthermore, your returns are backed by physical gold trading and are not solely reliant on deposit guarantee schemes.

No. GoldFlex does not offer vault storage and is not a gold custodial service. Following your deposit, your capital is immediately deployed in active precious metals trading.

This means that instead of passively storing gold, our experts actively trade on the precious metals markets. Through professional buy-and-sell cycles, continuous returns are generated and passed directly on to you as fixed interest payments.

The process is clearly structured and transparent:

• Step 1 – Registration: Open your account online and complete a secure KYC verification.
• Step 2 – Deposit: Transfer your investment amount (from €5,000) to your GoldFlex Wallet.
• Step 3 – Active Trading: Your capital is immediately deployed in professional precious metals trading. Experienced traders execute strategic buy-and-sell cycles.
• Step 4 – Fixed Returns: The trading profits generated are distributed to you as fixed, contractually guaranteed interest payments.

Interest rates are determined by the chosen investment term – the longer the term, the higher the rate:

Term	Interest Rate (p.a.)
1 Year	2.90%
2 Years	3.80%
3 Years	5.20%
4 Years	6.00%
5 Years	6.80%
6 Years	7.50%
7 Years	8.20%
8 Years	9.30%
9 Years	10.10%
10 Years	10.87%

All listed interest rates are net returns – no additional management fees or hidden costs are charged to you.

The minimum investment at GoldFlex is €5,000. This amount enables us to deploy your capital efficiently in professional gold trading and generate attractive returns.

There is no fixed upper limit – particularly for larger investment amounts, the longer terms offering up to 10.87% p.a. present exceptionally attractive earning potential.

GoldFlex offers flexible investment terms ranging from 1 to 10 years. You select the term that best aligns with your financial goals when signing the contract:

• Short-term (1–2 years): Ideal for getting started or for investors looking to gain initial experience
• Medium-term (3–5 years): An optimal balance between flexibility and returns
• Long-term (6–10 years): Maximum returns of up to 10.87% p.a. for long-term oriented investors

You can choose between two payout models:

• Annual payout: Your interest is transferred to your account once a year, on schedule – allowing you to benefit from your returns on a regular basis.
• Lump-sum payout at maturity: All accrued interest is paid out together with your principal at the end of the investment term.

Both models provide you with complete planning certainty, as the interest rates are contractually fixed from the outset.

Returns at GoldFlex are generated through professional, active gold trading – not through passive gold storage or speculative transactions.

Here is how it works in detail:

• Following your deposit, your capital is immediately deployed in the precious metals market
• Experienced traders execute strategic buy-and-sell cycles
• Continuous trading with physical gold generates regular trading profits
• These profits are passed on to you as fixed interest payments

Yes, you can manage multiple investments with different terms simultaneously through your GoldFlex Wallet. For example, you could invest a portion of your capital in a short-term 2-year plan and allocate another portion to a long-term 7- or 10-year plan.

This strategy allows for personalised diversification and optimal alignment with your financial planning.

None. GoldFlex has no hidden fees whatsoever. There are no management fees, no trading costs, and no account maintenance charges for you.

The quoted interest rates are net returns – meaning the stated rate is exactly what you receive as your return. All operational costs are covered internally, without reducing your yield.

Yes. GoldFlex is operated by Hartmann & Benz Limited, a fully licensed and regulated investment firm. The company is registered and certified with the following authorities:

• Corporate Affairs Commission (CAC): RC 8152978
• SCUML Certification: SC 251101867 – for anti-money laundering compliance
• Nigerian Investment Promotion Commission (NIPC): BRC/4617

All transactions and contracts comply with applicable financial regulations and the highest security standards.

The safety of your capital is built on multiple pillars:

• Tangible asset backing: Your investment is underpinned by physical gold trading – gold as a precious metal retains its intrinsic value
• Professional risk management: Experienced traders minimise market risks through diversified trading strategies
• Contractual guarantee: Your interest rates are contractually fixed and are not subject to market fluctuations
• Regulated corporate structure: Hartmann & Benz Limited operates under regulatory oversight

Yes. Upon signing your contract, your interest rate is contractually fixed and remains unchanged throughout the entire investment term. You know from the very beginning exactly what returns you will receive.

The fixed coupons (interest payments) are not tied to any market developments – regardless of how the gold price moves in the short term, you receive your agreed-upon returns punctually and in full.

GoldFlex employs state-of-the-art security technologies:

• Bank-grade encryption: All data transmissions are protected with current SSL/TLS encryption
• KYC verification: Rigorous identity verification to guard against fraud and money laundering
• Real-time monitoring: Continuous security monitoring of all transactions
• Transparent reporting: Through your Wallet, you have full visibility into your investment performance at all times

Transparency is a cornerstone of GoldFlex. Through your personal GoldFlex Wallet, you have real-time access at any time to:

• Your current investment status and performance reports
• A complete overview of all interest payments and transactions
• Your contract documents and terms

You always maintain full control and visibility over your investments – no surprises, no opacity.

Getting started with GoldFlex is straightforward and takes just a few steps:

• 1. Online registration: Click “Open Account” and complete the registration form
• 2. KYC verification: Verify your identity conveniently online – completed within minutes
• 3. Choose your term: Select your preferred investment duration (1–10 years)
• 4. Make your deposit: Transfer your investment amount (from €5,000) to your GoldFlex Wallet
• 5. Enjoy your returns: Your capital immediately goes to work in gold trading – you receive fixed interest payments

Registration is completed entirely online through a secure KYC process (Know Your Customer):

• You enter your personal details and upload a valid identification document
• Verification is carried out within minutes
• Once successfully verified, your account is activated

The KYC process serves to protect all investors and is a legal requirement to prevent fraud and money laundering. Your data is, of course, treated with the strictest confidentiality.

The GoldFlex Wallet is your digital command centre for all investments. It provides you with:

• Investment overview: All active investments at a glance
• Performance reports: Real-time insight into your returns and current status
• Transaction history: Complete documentation of all deposits and withdrawals
• Contract management: Access to all your contract documents
• Notifications: Updates on interest payments and important announcements

You maintain full control over your investments at all times – conveniently from any device.

Through your personal GoldFlex Wallet, you have round-the-clock access to:

• Your current investment status and accrued returns
• Detailed performance reports
• An overview of upcoming interest payment dates

The platform is optimised for both desktop and mobile devices, so you can keep your investment in view anytime, anywhere.

Our expert team is available through multiple channels:

• Email: support@goldflex.io
• Live chat: Accessible directly via our website
• Contact form: Through our contact page
• Personal consultation: Our certified financial advisers provide individualised guidance on your investment options

We are committed to answering all enquiries promptly and competently.

The flexibility of your investment depends on the contract terms you have selected. In principle, the investment terms are designed to ensure your capital is deployed optimally in gold trading.

Should you wish to consider early termination, we would be happy to discuss the available options and conditions in a personal consultation. Please reach out to us via our contact form.

At the end of your chosen investment term, you receive your full principal back – together with the contractually agreed interest earnings (unless you opted for annual payouts).

The payout is made punctually and reliably to your registered bank account. You will be notified well in advance of the upcoming payout date before your term expires.

Yes. Upon maturity of your investment, you can reinvest your capital – either for the same term or a different one. This allows you to continue benefiting from attractive interest rates.

Before the end of your current investment period, you will receive a notification with the latest terms for renewal, giving you ample time to make your decision.

The tax treatment of your GoldFlex returns is subject to the tax laws of your country of residence. In most cases, investment income is taxable.

We recommend consulting a tax adviser who can provide personalised guidance on your specific tax situation. GoldFlex provides you with all necessary income statements and documentation required for your tax filings.