Effective Date: July 22, 2026 | Last Updated: July 22, 2026
Welcome to Gold Coast Capital (“the Platform,” “we,” “us,” or “our”). These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Gold Coast Capital, governing your access to and use of the website located at goldcoastcapital.org, any subdomains, mobile applications, APIs, and all related services (collectively, the “Services”).
By creating an account, clicking “I Agree,” or otherwise accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy (Section 20). If you do not agree to these Terms, you must not access or use the Services.
We reserve the right to modify these Terms at any time, with or without prior notice, in our sole discretion. Any changes will be effective immediately upon posting on this page. Your continued use of the Services after any modifications constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically for changes.
For the purposes of these Terms, the following definitions apply:
To use the Services, you must be at least 18 years of age and have the legal capacity to enter into a binding contract. By registering, you represent and warrant that all information you provide is accurate, current, and complete. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
We reserve the right to suspend or terminate any account that we suspect is involved in fraudulent, abusive, or otherwise prohibited activity, without prior notice or liability. Duplicate accounts, impersonation, and providing false information are strictly prohibited.
Gold Coast Capital offers three primary investment plans, each with a fixed minimum deposit, duration, and bonus rate:
The total payout at maturity is calculated as the original deposit plus the bonus. Users may have multiple active plans simultaneously, subject to the restrictions described in these Terms. The Platform reserves the right to modify plan parameters, minimums, and durations at any time, with changes applying only to new investments made after the modification date.
Deposits may be made via MTN Mobile Money (MoMo) or supported cryptocurrencies (USDT TRC20, Bitcoin, Ethereum). Users must follow the on‑screen instructions precisely, including entering a valid Transaction ID and, where applicable, a unique Reference Code. Failure to provide accurate information may result in delayed or rejected deposits.
All deposits are subject to manual review and verification by our team. A deposit is not considered active until it has been approved and the status is changed to “active” in the user's dashboard. The Platform reserves the right to reject any deposit for any reason, including suspected fraud, insufficient funds, or failure to match the required minimum.
A non‑refundable 5% Platform Fee is applied to every deposit at the time of activation. This fee is deducted from the deposit amount for operational sustainability and founder compensation, but does not affect the displayed investment amount or the promised return.
At maturity, an investor may immediately withdraw 20% of the profit as instant cashback, regardless of active plan status. The principal + remaining 80% of the profit becomes a “Locked Balance” and is not available for withdrawal until the user has an active investment (or combined active investments) with a total deposit amount at least equal to the original deposit of that matured plan.
If the user already has a qualifying active balance at the time of the first withdrawal request, the full payout (100%) is available immediately. If not, only the 20% cashback is released, and the remaining locked balance can only be accessed after the user meets the active balance requirement through new deposits or reinvestments.
Reinvested capital follows the same rules: the new investment's original deposit is the full reinvested amount. A matured plan that has been fully paid out (all withdrawals marked as “paid”) is considered consumed; its original deposit is deducted from the available active balance for subsequent unlocks, ensuring that a single active plan cannot be used repeatedly to unlock multiple matured plans beyond its total deposit value.
This policy is designed to prevent mass withdrawals, encourage reinvestment, and ensure the Platform always holds more capital than it owes, thereby guaranteeing long‑term sustainability.
Withdrawals from matured plans are processed in three stages: Pending (request submitted), Approved (verified by admin), and Paid (funds transferred). The timeline for each stage depends on administrative processing and may be subject to delays due to high volume or security reviews.
To withdraw any amount beyond the 20% instant cashback, the user must have a total active balance (sum of all active plans) that meets or exceeds the original deposit of the matured plan. Additionally, the available active balance (total active minus amounts already consumed by previous full‑payout unlocks) must be sufficient to cover the required amount.
Referral bonuses may be withdrawn once the bonus balance reaches a minimum of ₵50, provided the user has at least one active investment plan. Game balance (Prizes & Rewards) may be withdrawn once the balance reaches a minimum of ₵30, also requiring an active investment plan. The Platform reserves the right to adjust these thresholds at any time.
All withdrawal requests are subject to administrative review. The Platform may request additional identity verification for large or suspicious withdrawals. Rejected withdrawals will be refunded to the user's bonus or game balance as applicable.
Users may reinvest the full payout of a matured plan into a new plan through our Reinvest & Earn program.
Tier 1 (Same Plan): Reinvest the entire payout into the same plan type (e.g., Growth → Growth) with no additional deposit required. A bonus of ₵5 is credited to the user's Game Balance. Maximum two consecutive Tier 1 reinvestments per plan; after the second, a fresh deposit (Tier 2) is required.
Tier 2 (Upgrade & Boost): Choose a different plan type and make an additional fresh deposit that meets the minimum of the new plan. A bonus of 7% of the fresh deposit (capped at ₵30) is credited to the user's Game Balance. This resets the reinvestment chain and creates a new plan with the combined total (payout + fresh deposit).
Reinvestments must be initiated within 72 hours of plan maturity. After this window, the reinvestment bonus is forfeited, and the user may only withdraw according to the standard withdrawal policy. The original investment is marked as “reinvested” and cannot be withdrawn thereafter.
Each user receives a unique referral code upon registration. When a new user signs up using that code and their first investment becomes active, the referring user receives a cash bonus of ₵5 (standard) or ₵10 (for VIP/Partner members). Partners also receive an additional ₵10 bonus if the referred user later makes a deposit exceeding ₵600.
Referral bonuses are credited to the user's referral bonus balance and can be withdrawn once the balance reaches ₵50, subject to having an active investment plan. The Platform reserves the right to revoke or deny referral bonuses if the referred account is found to be fraudulent, duplicate, or in violation of these Terms.
Users designated as “Partners” or “VIP” enjoy enhanced referral bonuses, lower withdrawal thresholds for game balance, and other exclusive benefits as determined by the Platform. Partner status is granted manually at the Platform's sole discretion.
Game Balance (Prizes & Rewards) is a separate, non‑purchasable balance earned through promotional activities such as Daily Lucky Spin, Mystery Box drops, reinvestment bonuses, deposit promo bonuses, and other events hosted on our Telegram group. This balance does not represent deposited funds and is not directly withdrawable as cash unless the user meets the minimum withdrawal threshold (₵30) and has at least one active investment plan.
The Platform reserves the right to modify, suspend, or terminate any game or promotional event at any time without prior notice. Winnings are awarded at the Platform's sole discretion and may be subject to identity verification or account linking requirements.
A 5% operational fee is applied to every deposit upon activation. This fee is deducted from the deposit amount and is not reflected in the displayed investment amount or the promised returns. The fee is used for platform maintenance, development, security, customer support, and founder compensation. This fee is non‑refundable under any circumstances, including if the investment is later rejected or withdrawn early (subject to the profit share rules).
From time to time, the Platform may offer time‑limited deposit bonuses, flash promos, or other incentives. These promotions are governed by their own specific terms (e.g., bonus percentage, minimum deposit, duration) and are automatically awarded when the qualifying deposit is activated. The Platform reserves the right to cancel, modify, or extend any promotion without prior notice. Bonus amounts are credited to the user's Game Balance and are subject to the withdrawal rules described in Section 10.
Users are strictly prohibited from engaging in any of the following activities:
Violation of any of these provisions may result in immediate account suspension, forfeiture of all balances, and legal action.
All content, trademarks, logos, designs, software, and other intellectual property associated with the Platform are the exclusive property of Gold Coast Capital. You may not reproduce, distribute, modify, or create derivative works without express written permission.
The Platform is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the reliability, accuracy, or availability of the Services. To the fullest extent permitted by law, Gold Coast Capital shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to loss of profits, data, or investment capital.
You acknowledge that investing involves inherent risk, including the potential loss of your entire deposit. Past performance is not indicative of future results. The Platform does not guarantee any specific return, and the bonus structures described are subject to change.
You agree to indemnify, defend, and hold harmless Gold Coast Capital, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of the Services, violation of these Terms, or infringement of any third‑party rights.
We reserve the right to suspend or terminate your account at any time, with or without cause, and without prior notice. Upon termination, any active investments may be forfeited at our discretion, subject to applicable law. You may also request account deletion at any time, provided that all outstanding obligations (including pending withdrawals) have been resolved.
These Terms shall be governed by and construed in accordance with the laws of Ghana. Any disputes arising from these Terms or the Services shall be resolved through binding arbitration in Accra, Ghana, in accordance with the rules of the Ghana Arbitration Centre. You waive any right to participate in a class action or jury trial.
We may amend these Terms at any time by posting the revised version on this page. Material changes will be communicated via email or dashboard notification where feasible. Your continued use of the Platform after the effective date of any changes constitutes acceptance of the new Terms.
We collect personal information you provide directly, including name, email address, phone number, and payment transaction details (MoMo Transaction ID, cryptocurrency wallet addresses). We also automatically collect certain technical data, such as IP address, browser type, device information, and usage patterns through cookies and similar technologies.
Your information is used to operate, maintain, and improve the Platform, process deposits and withdrawals, communicate with you regarding your account and investments, send promotional emails (with your consent), and comply with legal obligations. We do not sell, rent, or share your personal information with third parties for their direct marketing purposes.
We retain your personal information for as long as your account is active or as needed to provide you with the Services. We implement industry‑standard security measures to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.
We use cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookies through your browser settings; however, disabling cookies may affect the functionality of the Platform.
Our Services may integrate with third‑party platforms (e.g., Telegram, MTN Mobile Money). We are not responsible for the privacy practices of these third parties. We encourage you to review their respective privacy policies.
You have the right to access, correct, or delete your personal information. You may also opt out of marketing communications at any time by replying “unsubscribe” to our emails or contacting us directly. To exercise these rights, please contact us using the information in Section 21.
The Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal data, we will take steps to delete such information.
If you have any questions, concerns, or requests regarding these Terms or the Privacy Policy, please contact us at:
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