{"id":3,"date":"2026-02-23T20:21:35","date_gmt":"2026-02-23T20:21:35","guid":{"rendered":"http:\/\/opemi.org\/?page_id=3"},"modified":"2026-02-24T09:04:21","modified_gmt":"2026-02-24T09:04:21","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/opemi.org\/?page_id=3","title":{"rendered":"Terms, conditions and privacy policy"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">TERMS AND CONDITIONS<\/h1>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a71. General Provisions<\/h2>\n\n\n\n<p>These Terms and Conditions define the rules for using the website [<a href=\"https:\/\/opemi.org\/\">https:\/\/opemi.org\/<\/a>], operated by [OpenMind EOOD], with its registered seat at:<\/p>\n\n\n\n<p>1111 Sofia<br>Yavorov complex<br>bl. 34, fl. 4, at. 1<br>Bulgaria<\/p>\n\n\n\n<p>UIC \/ EIK: 207098038<\/p>\n\n\n\n<p>The website is informational and commercial in nature and concerns the purchase and sale of precious metals.<\/p>\n\n\n\n<p>Use of the website constitutes acceptance of these Terms and Conditions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a72. Scope of Activity<\/h2>\n\n\n\n<p>The website provides information regarding:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>purchase of precious metals,<\/li>\n\n\n\n<li>sale of precious metals,<\/li>\n\n\n\n<li>current valuation principles and transaction procedures.<\/li>\n\n\n\n<li>agricultural goods trade<\/li>\n<\/ul>\n\n\n\n<p>The information presented on the website does not constitute an offer within the meaning of the Civil Code, but an invitation to contact.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a73. Precious Metals<\/h2>\n\n\n\n<p>Transactions may concern in particular:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gold,<\/li>\n\n\n\n<li>silver,<\/li>\n\n\n\n<li>platinum,<\/li>\n\n\n\n<li>palladium.<\/li>\n<\/ul>\n\n\n\n<p>Detailed conditions regarding fineness, weight, and form of the metal are agreed individually.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a74. Valuation and Pricing<\/h2>\n\n\n\n<p>Valuation of precious metals is based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>current market quotations,<\/li>\n\n\n\n<li>metal fineness,<\/li>\n\n\n\n<li>weight and physical condition.<\/li>\n<\/ul>\n\n\n\n<p>The final transaction price is determined prior to conclusion of the transaction and requires acceptance by both parties.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a75. Transaction Execution<\/h2>\n\n\n\n<p>Transactions are carried out after:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>verification of the metal,<\/li>\n\n\n\n<li>confirmation of the client\u2019s data (in accordance with applicable regulations).<\/li>\n<\/ul>\n\n\n\n<p>Settlement is made in the agreed form and timeframe.<\/p>\n\n\n\n<p>The website reserves the right to refuse to execute a transaction without providing reasons.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a76. Liability<\/h2>\n\n\n\n<p>The website shall not be liable for investment decisions made based on information contained on the website.<\/p>\n\n\n\n<p>Information published on the website is of a general nature and does not constitute investment or financial advice.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a77. Personal Data Protection<\/h2>\n\n\n\n<p>Personal data is processed in accordance with applicable legal regulations and the Privacy Policy.<\/p>\n\n\n\n<p>Providing data is voluntary but necessary for the execution of transactions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a78. Copyright<\/h2>\n\n\n\n<p>All content published on the website is protected by copyright law.<\/p>\n\n\n\n<p>Copying or distributing content without the consent of the website owner is prohibited.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a79. Amendments to the Terms<\/h2>\n\n\n\n<p>The website reserves the right to amend these Terms and Conditions at any time.<\/p>\n\n\n\n<p>Amendments become effective upon publication on the website.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00a710. Final Provisions<\/h2>\n\n\n\n<p>In matters not regulated herein, the provisions of Polish law shall apply.<\/p>\n\n\n\n<p>These Terms and Conditions enter into force on the date of publication on the website.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">LEGAL BASIS AND SCOPE OF LICENSE<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">LEGAL BASIS AND SCOPE OF LICENSE<\/h2>\n\n\n\n<p>Entity: \u201cOpenMind\u201d EOOD<br>UIC (EIK): 207098038<br>Registered seat: Sofia, Slatina District, Sofia-grad<\/p>\n\n\n\n<p>License No. 8107 authorizes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>foreign transactions in precious metals and precious stones (Art. 14 Valuten Zakon),<\/li>\n\n\n\n<li>transactions in investment gold (Art. 15 Valuten Zakon),<\/li>\n\n\n\n<li>commercial trading in precious metals.<\/li>\n<\/ul>\n\n\n\n<p>The activity is subject to supervision by the competent Bulgarian authorities, including DANS in the scope of AML compliance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">II. AML \/ KYC PROCEDURES<\/h1>\n\n\n\n<p>(Compliant with Bulgarian Law)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Legal Basis<\/h2>\n\n\n\n<p>The procedures have been developed in accordance with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Anti-Money Laundering Measures Act (Zakon za merkite sreshtu izpiraneto na pari),<\/li>\n\n\n\n<li>Counter-Terrorist Financing Measures Act (Zakon za merkite sreshtu finansiraneto na terorizma),<\/li>\n\n\n\n<li>DANS guidelines,<\/li>\n\n\n\n<li>EU AML Directives (AMLD).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. Customer Identification (KYC)<\/h2>\n\n\n\n<p>Identification is mandatory prior to execution of any transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Individual Client:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>full name,<\/li>\n\n\n\n<li>date and place of birth,<\/li>\n\n\n\n<li>nationality,<\/li>\n\n\n\n<li>identity document number,<\/li>\n\n\n\n<li>residential address.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Business Client:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>entity name,<\/li>\n\n\n\n<li>legal form,<\/li>\n\n\n\n<li>registration number,<\/li>\n\n\n\n<li>representative\u2019s details,<\/li>\n\n\n\n<li>identification of the Ultimate Beneficial Owner (UBO).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. Risk Assessment<\/h2>\n\n\n\n<p>Clients are classified as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>low risk,<\/li>\n\n\n\n<li>standard risk,<\/li>\n\n\n\n<li>high risk.<\/li>\n<\/ul>\n\n\n\n<p>Assessment criteria include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>country of origin,<\/li>\n\n\n\n<li>nature of the transaction,<\/li>\n\n\n\n<li>value and frequency.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. Transaction Monitoring<\/h2>\n\n\n\n<p>The entity conducts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ongoing monitoring of transactions,<\/li>\n\n\n\n<li>analysis of unusual operations,<\/li>\n\n\n\n<li>documentation of the source of funds.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Reporting to DANS<\/h2>\n\n\n\n<p>Suspicious transactions or transactions exceeding statutory thresholds:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>are reported to DANS without informing the client,<\/li>\n\n\n\n<li>documentation is retained for a minimum of 5 years.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. Refusal of Transaction<\/h2>\n\n\n\n<p>The entity has the right to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>refuse a transaction,<\/li>\n\n\n\n<li>suspend execution,<\/li>\n\n\n\n<li>terminate a business relationship.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">III. SERVICE TERMS (ALIGNED WITH LICENSE NO. 8107)<\/h1>\n\n\n\n<p>The activity is conducted exclusively within the scope granted under License No. 8107.<\/p>\n\n\n\n<p>The website does not provide financial services or investment advisory services.<\/p>\n\n\n\n<p>Governing law: the law of the Republic of Bulgaria.<br>Jurisdiction: competent Bulgarian courts.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">IV. PRIVACY POLICY (BG + GDPR)<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Data Controller<\/h2>\n\n\n\n<p>\u201cOpenMind\u201d EOOD<br>UIC 207098038<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Purpose of Processing<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>execution of transactions,<\/li>\n\n\n\n<li>AML obligations,<\/li>\n\n\n\n<li>accounting and legal obligations.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Legal Basis<\/h2>\n\n\n\n<p>Article 6(1)(b), (c), and (f) of the GDPR.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Data Subject Rights<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>right of access,<\/li>\n\n\n\n<li>right to rectification,<\/li>\n\n\n\n<li>right to erasure (subject to AML limitations),<\/li>\n\n\n\n<li>right to object,<\/li>\n\n\n\n<li>right to lodge a complaint with the CPDP Bulgaria.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">V. COOKIES POLICY<\/h1>\n\n\n\n<p>The website uses cookies:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>technical (necessary),<\/li>\n\n\n\n<li>analytical (optional),<\/li>\n\n\n\n<li>functional.<\/li>\n<\/ul>\n\n\n\n<p>Users may manage cookies through browser settings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">VI. FINAL PROVISIONS<\/h1>\n\n\n\n<p>Documentation is compliant with License No. 8107 and applicable law of the Republic of Bulgaria.<\/p>\n\n\n\n<p>Periodic updates are recommended in accordance with AML legislative changes.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>CEO<br>\u041a\u043e\u043d\u0440\u0430\u0434 \u041f\u0438\u043e\u0442\u0440\u043e\u0432\u0441\u043a\u0438<\/p>\n\n\n\n<p>OpenMind EOOD<\/p>\n\n\n\n<p>1111 Sofia<br>Yavorov complex<br>bl. 34, fl. 4, at. 1<br>Bulgaria<\/p>\n\n\n\n<p>UIC \/ EIK: 207098038<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>TERMS AND CONDITIONS \u00a71. General Provisions These Terms and Conditions define the rules for using the website [https:\/\/opemi.org\/], operated by [OpenMind EOOD], with its registered seat at: 1111 SofiaYavorov complexbl. 34, fl. 4, at. 1Bulgaria UIC \/ EIK: 207098038 The website is informational and commercial in nature and concerns the purchase and sale of precious [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms, conditions and privacy policy - Open Mind<\/title>\n<meta name=\"description\" content=\"Terms and conditions\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/opemi.org\/?page_id=3\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms, conditions and privacy policy - 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