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Legal Disclosures and Service, Use, and Transaction Terms


GENERAL

Welcome to MoneyMetals.com (the “Website”), operated by Money Metals Exchange (“Money Metals”). By using the Website or engaging in transactions with Money Metals, you acknowledge that you have read and agree to be bound by these Service, Use, and Transaction Terms (“Terms”) and by our Privacy Policy (see below), which is incorporated herein by reference. If you do not agree to any of the terms or the Privacy Policy set forth herein, you may not use the Website or engage in transactions with Money Metals. These disclosures and Terms are subject to change at any time without notice and it is your responsibility to review these Terms regularly to ensure that you are aware of any changes.

MARKET AND INVESTMENT RISK

Money Metals Exchange and its staff do not act as personal investment advisors for any specific individual. Nor do we advocate the purchase or sale of any regulated security listed on any exchange for any specific individual. Readers and customers should be aware that, although our track record is excellent, investment markets have inherent risks and there can be no guarantee of future profits. Likewise, our past performance does not assure the same future. You are responsible for your investment decisions, and they should be made in consultation with your own advisors. By purchasing through Money Metals, you understand our company not responsible for any losses caused by your investment decisions, nor do we have any claim to any market gains you may enjoy. This Website is provided “as is,” and Money Metals disclaims all warranties (express or implied) and any and all responsibility or liability for the accuracy, legality, reliability, or availability of any content on the Website.

PUBLISHING ACTIVITIES

All commentary and analysis contained within Money Metals' emails, publications, podcasts, and Website are provided for general educational purposes only. In no event is this information tailored to the specific needs of any person or group, and it does not constitute investment advice.

NON-CANCELABLE ORDERS, DELIVERY, AND OTHER TERMS

Orders placed with Money Metals Exchange may not be canceled by customers. A failure to follow through on orders as agreed could result in monetary damages recoverable by Money Metals, including collection fees. Items purchased by customers will generally be shipped within 48 hours of clearing your payment (and upon full satisfaction of all amounts owed by the customer to Money Metals) and will only take a few days to arrive. If an order is expected to take longer to ship, customers are advised when the order is placed. All orders ship fully-insured and must be signed for upon delivery. We reserve the right to refuse, void, or liquidate orders from customers who fail -- or have previously failed -- to honor their commitments, who violate our policies, or who attempt to circumvent our promotional conditions or where potentially fraudulent activity is detected. To further protect against fraud, be advised that your phone transactions may be recorded and you consent to such recording as a condition of doing business with Money Metals Exchange.  In the rare event of a lost or stolen shipment, customers must fully cooperate with any investigation conducted by Money Metals, law enforcement, postal authorities, and insurance adjusters.

SPECIAL NOTICE REGARDING GOLD AND SILVER ROUNDS

If your order includes any gold or silver rounds, for the avoidance of all doubt, you are again advised that "rounds" are not legal tender "coins," they are not (and do not purport to be) numismatic items, and are not minted by any government. Rather, they are low-cost, privately minted products which are almost exclusively valued for their precious metals content. Furthermore, no items available for sale by Money Metals Exchange are imitation numismatic items, replicas, or copies of actual coins.

RETURNS AND REFUNDS

Your satisfaction of product quality is guaranteed on all orders. If you are not satisfied, you have 3 days after receipt of shipment to notify our customer service team at 1-800-800-1865 of your dissatisfaction. The decision to refund or replace your item will be at the sole discretion of Money Metals Exchange. Original shipping and handling charges are non-refundable. Returned items will be subject to the customer paying return shipping and product value losses, if any. Credit card orders are subject to a 5% restocking fee. All items must be returned in original packaging. In the case of a request for an exchange, Money Metals Exchange expressly reserves the right, in its sole and absolute discretion, to find an acceptable replacement or refund your money should an acceptable replacement be unavailable. In the event the carrier (USPS, UPS, or Fed Ex, etc.) attempts to deliverto you a damaged package, you should refuse to accept delivery of the shipment so that insurance coverage can remain in effect.

PRICING ERRORS

Money Metals Exchange prides itself in providing the most up-to-date market pricing derived from a live global feed from a well-established service. Occasionally, we do make mistakes and there may be a typographical or pricing error. Under these rare circumstances, Money Metals retains the right to cancel, modify, or refund an order.

PRIVACY POLICY

Privacy is important to us. Please review our Privacy Policy. Your use of this Website constitutes acceptance of our Privacy Policy.

ELECTRONIC COMMUNICATIONS

By using this Website, you are communicating with us electronically and consent to receive communications from us electronically. You agree that all electronic communications – including notices, disclosures, cancellations, and policies – shall satisfy any legal requirements that such communications be in writing.

COPYRIGHT AND TRADEMARKS

Intellectual property rights in any and all content that appears on the Website, including but not limited to copyright, trademark, patent, trade dress, trade secret, know how, and proprietary information, such content including but not limited to: information, articles, graphics, images, video, audio, logos, slogans, text, data, and photographs (“Content”), are the property of Money Metals. By using the Website, you agree not to use or exploit any Website Content, without written permission from Money Metals Exchange.

YOUR ACCOUNT

It is your responsibility to maintain the confidentiality of your account (including username and password) and to restrict access to any computer you use to access your account or complete a transaction. By using our site, you accept full responsibility for any activity which occurs on your account and release Money Metals from any liability therefor.

REVIEWS AND COMMENTS

User reviews and comments are the opinion of others and are not the opinion of Money Metals Exchange. Although Money Metals will endeavor to remove false or defamatory comments, Money Metals is not responsible for the opinions of other users.

LINKS TO THIRD PARTY WEBSITES AND CONTENT

This Website may include links to third-party websites or services. Money Metals Exchange does not review such links nor does their presence on the Website constitute any endorsement thereof. By using the Website, you acknowledge that we are not liable for any third party content, products, or services, nor for the privacy practices of such websites.

NOT A REGULATED TRADING EXCHANGE, NO USE OF LEVERAGE

Money Metals is a retail dealer of physical precious metals that buys from and sells to the public. All precious metals transactions with the public are conducted on a fully paid basis, i.e. there is no use of the leverage or margin. Upon receipt of cleared funds for the full amount owed (including full satisfaction of invoiced and/or scheduled shipping costs, prior balances owed by the customer, and other applicable fees), orders are delivered to the customer directly or into a storage account under the customer's control. Because orders are delivered within 28 days from receipt of cleared payment for all amounts owed, Money Metals' business activities are not governed by state and federal laws governing futures transactions, such as those laws administered by the Commodity Futures Trading Commission (CFTC). Money Metals' products are not considered "securities" subject to regulation by the Securities Exchange Commission (SEC). And finally, Money Metals does not act as a regulated trading exchange as defined by the CFTC and the SEC.

DIGITAL MILLENNIUM COPYRIGHT ACT

Money Metals Exchange complies with the United States Digital Millennium Copyright Act (“DMCA”). Upon receiving proper notification of copyright infringement by any material on the Website, Money Metals shall remove the identified copyrighted material. Money Metals' designated contact and agent for such notifications is Doug Shockley who can be reached through this form.

APPROPRIATE USER CONDUCT AND USE

You may not use the Website for any illegal, infringing, abusive, or unauthorized purpose and must at all times comply with all applicable domestic and international laws, statutes, ordinances, and regulations which apply to Internet use and conduct.

LIABILITY LIMITATION

YOU AGREE THAT MONEY METALS EXCHANGE OR ITS AFFILIATES SHALL NOT BE LIABLE TO YOU AND/OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, SPECIAL, PUNITIVE, OR INCIDENTAL DAMAGES WHATSOEVER THAT ARISE OUT OF OR ARE RELATED TO THE WEBSITE OR THE GOODS AND SERVICES PROVIDED BY MONEY METALS.

GOVERNING LAW

These Terms shall be governed by the laws of the State of Idaho. Any disputes arising under or related to these Terms or the Website shall be litigated or heard in the state or federal courts of Idaho and you consent to the exclusive jurisdiction of such courts.