Terms & Conditions
By accessing the website www.BullionExchanges.com and other services provided by the Bullion Exchange LLC, you agree to the terms and conditions set forth below. This is a legally binding agreement made between Bullion Exchange, LLC and you personally or if applicable on behalf of another individual for whom you are using the site for. By entering the website or creating a profile, you consent to have this agreement provided to you in electronic form. These terms and conditions apply to all purchases and sales, whether made through the website, by telephone or otherwise.
This User Agreement is effective on November 30th 2013, for all users of this website. Because this agreement contains legal obligations, please read carefully before proceeding. Bullion Exchange, LLC is doing business as (dba) Bullion Exchanges and will be referred to as Bullion Exchanges hereafter.
Before you may place orders to purchase or sell with Bullion Exchanges you must read and accept all of the terms and conditions in our user agreement. By using our website, you represent and warrant without limitation that you have read, understand and agree to the terms of this agreement. If you do not agree or do not understand the terms of this agreement, disclaimers, disclosures, or any other supplemental information on your website then you must immediately leave the website.
Bullion Exchanges reserves the right to make any necessary changes to its terms and conditions at any given time without notification and that you agree that we may change the terms at any time. Also, you agree that we may make any changes to the website at our sole discretion, for any reason without providing notice to you. If you use our website after we have posted a change to the terms and conditions, then you have agreed to the new terms and conditions that are present by the most recent version of your terms and conditions.
Eligibility: You must be at least 18 years of age to purchase or sell or use the website of Bullion Exchanges. When entering the website you represent and warrant that you are of legal age and you have knowledge and experience to make an informed decision when buying or selling to Bullion Exchanges.
Disclaimers: By entering our website you acknowledge that you are the individual making all of your own decisions when purchasing or selling to Bullion Exchanges and that we are not influencing or making recommendations as to how you conduct your sales or purchases with us. Also, by entering the site and purchasing or selling to Bullion Exchanges you acknowledge that you are aware and assume all of the risks for which you have sole responsibility, associated with purchasing or selling precious metals and that Bullion Exchanges is not liable or responsible for any of those risks.
Risks: Bullion Exchanges does not sell items as an investment, and does not offer investment advice. We also do not guarantee profits on the items that you purchase. Bullion Exchanges expresses no opinion on the soundness of any of your purchases. We do not offer recommendations as purchasing bullion and coins is speculative and unregulated and the contents on this website are just for reference use only and do not constitute the rendering of legal, financial, or investment advice. Purchasing bullion and coins can involve risks like most investments. The value of your bullion and coins can fluctuate up or down by various conditions and economic factors. Since investing in precious metals can be risky and the value or your bullion and coins can fluctuate drastically, purchasing these items may not be suitable for everyone. You should understand all the risks associated with investing in bullion and coins and therefore make educated and knowledgeable decisions before buying or selling to Bullion Exchanges. Bullion Exchanges does not sell items as an investment but rather to provide joy to the many collectors that exist in the world. Prices that are seen on our website are not to be used as a guide to value items as the prices are determined by our own discretion.
Order Policies and Procedures: Upon placing an order to buy or sell precious metals with Bullion Exchanges you have entered into a binding and legally enforceable agreement. Availability and pricing are subject to change without notice.
Your credit card or debit card information is required to guarantee all orders, in order to reserve and lock in a price. By making a purchase on our site, you expressly authorize Bullion Exchanges to authorize and capture your credit or debit card payment prior to shipment.
Minimum Order Policy: The minimum order for free shipping is $75, any order under $75 will be charged a flat rate of $4.99.
Minimum Phone Order Policy: When placing an order over the phone, the minimum amount required is $500.
Payment Options: Bullion Exchanges requires that all payments be made by PayPal, Bitcoin, credit card, debit card, bank wire, personal check, certified check, cashier’s check, or online bill payments in check form. Direct Bank wire is always recommended for orders over $5,000. Bullion Exchanges does not accept cash on delivery orders. Bullion Exchanges reserves the right to cancel orders where payment is not dated within five (5) business days for all check orders and bank wire orders. In order to guarantee the price that you locked in, your payment must be received by Bullion Exchanges within those five business days. In most instances, orders will be denied if payment is completed after the allotted time frame. If we choose to accept your late payment, a $30 late payment fee will be applied. Bullion Exchange reserves the right to hold and wait for the clearing of all personal check, certified check, cashier’s check, or online bill payments in check form for up to ten (10) business days prior to shipping out items. In the instance of a bounced paper check payment, you will be required to send us a new check with $30 added to the original total to cover the bounced check fee and Bullion Exchanges reserves the right to cancel the order and charge cancellation fees, or bill the payable balance to the credit/debit card on file.
Chargeback Policy: You agree not to file a credit card or debit card chargeback regarding any purchase and abide by the dispute resolution procedures listed. In the event that you breach this agreement and file a chargeback, upon a resolution in our favor of the chargeback by either the credit card issuing bank, the credit card processor or by VISA, MASTERCARD, AMEX, or DISCOVER, you agree to reimburse us for any costs incurred in researching and responding to such chargeback, including without limitation, our actual costs paid to the credit card processor or our banks, other third parties, and the reasonable value of the time of our employees and owners spent on the matter, as determined in our discretion in good faith. You further agree that all dispute resolution procedures below will be deemed waived by you, and that these amounts will be added to the original amount of the order, and that this total amount will then be immediately due and payable. If your chargeback is upheld, you agree to pay all of the same costs, in addition to the original purchase price.
Cancellation Policy: All orders are FINAL. You are entering into a legally binding agreement upon checkout and CANNOT cancel a confirmed order once the order has been placed.
Documentation: Bullion Exchanges reserves the right to request additional documentation for certain credit card orders or any other orders. Bullion Exchanges expressly reserves the right to refuse or cancel any order, for any reason, at its sole discretion, regardless of the payment method and price confirmation.
Return Policy: At Bullion Exchanges we provide all of our customers with a refund, return or exchange policy on all the items that we sell. The right is limited to seven (7) days from the date on which the customer has received the products from us. You must notify Bullion Exchanges Customer Service Department at email@example.com within seven (7) business days from the date that you receive the item and follow the instructions provided to you, at that time. Shipping and handling charges are non-refundable. You are fully responsible for all taxes, as well as return shipping and handling costs. The customer must make sure to carefully package and provide tracking information for the product that they are returning and the customer will assume the full cost of return shipping. Bullion Exchanges may reject any returned or exchanged item that does not reasonably conform to these terms. In the case where a customer requests to exchange an item, Bullion Exchanges 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. Bullion Exchanges, at its sole discretion, reserves the right to reject any returns or exchanges that do not comply with the requirements listed above.
Bullion Exchanges does charge 10% of the total purchase price as a restocking fee on all orders that are returned. Also, when returning bullion products, the customer may be required to pay additional market loss penalties on items returns at the discretion of Bullion Exchanges. If market gains were to be incurred on a refund, those gains shall remain the property of Bullion Exchanges.
Collections Expense: In the event that Bullion Exchanges has to take any action against a customer in order to enforce your obligations under this User Agreement, including, without limitation, turning your account over to a collection agency or a lawyer for collection, the customer shall have to pay all of the costs and the expenses incurred by Bullion Exchanges including without limitation, reasonable attorney fees, in connection with such actions.
Shipping: Bullion Exchanges normally ships with the United States Postal Service (USPS), but may at its discretion choose to use a different shipping provider.
Bullion Exchanges strives to protect your shipments by being discreet with our shipping labels and do not disclose or give any indication that contents inside the package contain valuable precious metals. When your items are shipped you will receive an email confirmation along with tracking information for your shipment. We do not ship to any drop locations or non-USPS mail services such as UPS stores, P.O. Mail Boxes, etc., and other retail shipping centers.
All PayPal orders require both the billing and shipping addresses to be verified and confirmed.
We provide insurance for free on every package. Our insurance will only be covered if the item is lost or damaged in transit. We will not be responsible if the package tracking information shows as delivered. Once the item shows that it was delivered as promised as per our tracking information, we are no longer liable for our insurance policy and it is the customer’s responsibility at that point. When we ship the items to you, if the items are damaged or lost in transit, we will accept full responsibility and pursue any claims with our insurance policy. If an item is lost in transit we reserve the right at our own discretion to reship your item or provide you with a refund.
Please note that Bullion Exchanges will not be responsible for reimbursements or insurance claims on packages that are successfully delivered as addressed. Our liability and insurance cease the moment the package is signed for or left at the specified delivery address.
We currently do not ship internationally. We only ship to the United States excluding Puerto Rico.
Pricing: All prices quoted on our website are in U.S. Dollars. While we work hard to ensure that all of our inventory and prices are current, discrepancies may occur at times due to product availability and changing market conditions, as well as typographical errors. Most of our products are bullion products which are constantly changing in price. As a result, the final prices of your items will be determined at the time of checkout where you will have 10 minutes to complete the checkout process or the prices will then readjust after that 10-minute interval has elapsed.
We strive hard to assure the accuracy and information of the products and pricing that we provide on our site. However, pricing or typographical errors may occur at times and in the event that an item is priced improperly due to an error in pricing or information of the product. Bullion Exchanges shall have the right at its sole discretion to cancel or refuse any orders placed on any item. We will notify you via email of such cancellation and do apologize if situations like this arise.
In addition to the other rights and remedies available to Bullion Exchanges, in the event of any failure by you to comply with this User Agreement, Bullion Exchanges reserves the right to charge the credit card which you have provided to Bullion Exchanges including, without limitation, any and all market losses incurred by Bullion Exchanges including cancellation fees for accepting your orders to either buy from or sell to us as a result of price and market fluctuations for which you did not fulfill. You expressly authorize Bullion Exchanges to charge your credit card for all of such amounts.
Account Settings and Password: When you register and create a profile with Bullion Exchanges, you will be asked to create a password which will be used to access our website to be able to purchase products. It is your responsibility to keep your username and password confidential and when registering, you are designating that you are solely responsible for all activities and transactions that occur under your username and password. Customers should use caution when accessing their account from a public or shared computer so that your password and personal information are not viewable to others. Make sure you fully exit from your account at the end of each session so that unauthorized use of your account is not breached. Bullion Exchanges will not be liable for any damages or losses that may arise from your failure to comply with the provisions above.
Content of Website: The contents on this website are solely intended for informational purposes only. Occasionally information on the website may contain inaccuracies, typographical errors, or other omissions that may relate to availability, pricing, or product descriptions. Bullion Exchanges strives to ensure accuracy on all of the content on the site but it is your responsibility to evaluate the accuracy of all the content available on the site.
Indemnification: You agree to indemnify and hold harmless Bullion Exchanges and its affiliates, directors, partners, managers, officers, and shareholders from and against any and all costs, damages, expenses, liabilities and obligations, including, without limitation, reasonable attorney fees, that you may incur as a result of, or in connection with the use of this website or any violations that may arise from this agreement and or use of our website.
Force Majeure: If Bullion Exchanges cannot perform any obligation hereunder as a result of any event that is reasonably beyond its control. Bullion Exchanges’ delay or failure to perform such obligation shall be excused and Bullion Exchange shall not be liable for any damages as a result of, or in connection with, such delay or failure to complete the transaction.
Termination of Use: Bullion Exchanges reserves the right and sole discretions to suspend or terminate access to or part of its website at its discretion without any notice or reason. Once suspended or terminated from the use of our website, your right to use our site ceases immediately. Bullion Exchanges will not be liable to the customer or any third party for any damages or claims arising from the termination or suspension of your account. Also, any fraudulent, illegal, or abusive activity may be referred to appropriate law enforcement authorities at our discretion.
Payment Method Options: We accept numerous forms of payment methods. Please make sure to read and follow all the terms of your payment method of choice to ensure that all orders are handled accordingly.
In-Store Pickups: In-store pickups are not permitted when paying with a credit card or PayPal on BullionExchanges.com. For orders paid by check or bank wire, Bullion Exchanges requires the buyer to call us at 212-354-1517 before coming in to receive the items at our retail location for all in-store pick-up orders.
Credit Cards: Visa, MasterCard, American Express, and Discover cards are all accepted forms of payment and will be needed in order to lock in any transaction, including on wire transfers or check orders. The maximum credit card order accepted on this website is $25,000. We do not electronically store credit card information, for security reasons. Please be mindful that all credit card orders must have the same billing and shipping address to successfully place an order. If you'd like to have your package shipped to a different address, please process the order with the check/wire, or Bitcoin payment option. In-store pickups are not permitted when buying with credit cards on BullionExchanges.com.
Paypal: We accept PayPal for most transactions. The maximum Paypal order accepted on this website is $50,000. In-store pickups are not permitted when buying with PayPal on BullionExchanges.com.
Bitcoin: We accept Bitcoin as a payment method. When paying with Bitcoin, a discount of 3% is applied from the item's full price. Our current minimum bitcoin order is $75 and Maximum order is $50,000. All customers are subject to provide additional verification to confirm identity.
Wire Transfer: We accept wire transfers on orders totaling over $2,000. When paying with a wire or a check, a discount of 4% is applied from the item's full price. The maximum transaction amount for online wire transfer orders cannot exceed $750,000. All orders totaling above $750,000 need to be placed via bank wire during Bullion Exchanges’ business hours (Monday-Friday, 9:00 AM-5:00 PM Eastern Time) with one of our traders. A 10% credit card deposit is required to be placed on all wire transfer purchases. The billing address of the credit card deposit must match the transactions shipping address. The deposit is used to lock-in the price (is non-refundable in case the buyer backs out from the transaction), and must be made with one of the accepted credit cards listed above. All wire transfers must be received within three (3) business days of placing the transaction. If wire payment is not received within three (3) business days after the order was placed, then Bullion Exchanges reserves the right to forfeit the 10% deposit and your order and lock in price will be canceled. If there are any additional losses as a result of nonpayment that exceed the 10% deposit, the customer will be liable for those losses as well and will be charged accordingly using the credit card that was left on file for the deposit. The Anti-Money Laundering Compliance Program does not allow the receipt of money from outside of the US, therefore we are unable to accept international wire transfer payments. If an international wire payment is sent, the payment will be rejected and sent back to sender. Please note, ACH Transfers are not wire transfers and will not be accepted as a payment method. Customers may be required to provide additional verification to confirm identity.Thank you for your understanding.
A wire transfer discount will be applied to all orders and will be calculated in your cart total at checkout. Some items are not eligible for wire discounts and we reserve the right to refuse the wire discount under certain circumstances.
Checks & Money Orders: There is a minimum of $199 and maximum of $25,000 on all orders paid for by personal, bank, and cashier’s check as well as online bill payments in check form. When paying with a personal, bank, and cashier’s check as well as online bill payments in check form, a discount of 4% is applied from the item's full price. A 10% deposit with a valid credit card will be required for all personal, bank, and cashier’s check as well as online bill payments in check form at the point of sale. We expect all payments to be received within ten days. The order will be canceled and the 10% deposit will be forfeited if we do not receive the payment within 10 days from the date of the order and are not informed by you of a delay. Please note, we understand that check payments may take about a week to arrive through regular mail, however, if there was a delay in mailing out your check or you notice the check taking longer than usual to be delivered, please let us know. If there are any additional losses as a result of nonpayment that exceed the 10% deposit, the customer will be liable for those losses as well and will be charged accordingly to the credit card that was left on file for the deposit. Please note, we do not accept ACH Transfers and money orders as payment methods. Customers may be required to provide additional verification to confirm identity.
Personal, bank, and cashier’s check as well as online bill payments in check form can delay shipment up to 7-14 business days until payment has fully cleared. All check and money orders are held for up to 7 business days after the check is received for clearance prior to shipment of the order.
Payment for all personal, bank, and cashier’s check as well as online bill payments in check form must be postmarked no later than two (2) business days after your order is submitted.
We do not accept any cash advance checks or any checks that are related to credit cards.
WE DO NOT ACCEPT CASH, ACH TRANSFERS AND MONEY ORDERS AS A FORM OF PAYMENT
When paying with VISA, MASTERCARD, OR DISCOVER, please make sure your billing address is the same as shipping address.
Contacting Us: If you have any questions about this agreement or the policies of this site, or your dealings with Bullion Exchanges please contact us at
30 West 47th Street, Store 1
New York, NY 10036
1 (212) 354-1517