Mail-in Policy

1. Shipping protocol and insurance

Upon approval we will send you a carrier-approved mailer and prepaid label for shipping your items to our facility. You must use the provided label. Each mail-in order is insured up to a maximum of $1,000 in total, regardless of how many packages or labels the order uses. If you require coverage above $1,000, you must contact us at [email protected] or your sales representative before shipping and receive digital confirmation of the increased coverage; increased coverage is subject to additional cost, as described in 1.7. A request for increased coverage must include the documentation we specify, such as photographs showing each item with its weight on a scale and its hallmarks or markings, and, for value beyond metal content, receipts, prior appraisals, or comparable sale listings; we may decline increased coverage where the documentation does not support the requested amount. Increased coverage is confirmed through a per-shipment agreement that you sign electronically, which states the requested coverage amount, the items and their declared value, the cost of the inbound coverage (which may be zero, deducted from your payout if you sell, or invoiced and payable before any items are returned to you), and an estimated cost of equivalent coverage for a return shipment, so that nothing comes as a surprise. Increased coverage applies to that one shipment only and is conditioned on completing the additional steps stated in the agreement, including: emailing us clear photos of the fully sealed package (top, bottom, and all sides) and receiving our written approval of those photos before taking the package to the carrier; delivering the package to a staffed carrier office; and emailing us a photo of the printed acceptance receipt showing the tracking number. Failure to complete these steps voids the increased portion of the coverage, and the shipment reverts to the standard $1,000 maximum. No verbal agreements will be accepted, and coverage increases are valid only with digital confirmation from Accurate PMR. Return shipping, if you decline an offer, is provided at no cost with insurance based on the lowest offer price, up to a maximum of $1,000, as described in "Return shipping policy" below.

Simply notifying us by phone or email that a package is coming, without completing the request form and using our label, does not entitle you to coverage. If you ship without our label or services, you bear all risk of loss, damage, or theft until the items are in our staff's possession, and we may reject the shipment or return it at your expense. We are not responsible for uninsured packages left at our door outside business hours (Monday to Friday, 10:00 AM to 6:00 PM Pacific Time, excluding the holidays we observe).

1.1 When insurance coverage begins. Insurance coverage on a shipment to us begins only when the package is physically scanned into the carrier's system by carrier personnel, at a staffed location or by a driver at pickup. No coverage of any kind exists before that first scan, and neither we nor the insurer has any liability for a package that was never scanned into the carrier's system, regardless of where you state it was left or to whom you state it was given. Your printed carrier acceptance receipt showing the scan is your proof that coverage began; obtain it and keep it.

1.2 Containers and presentation items. Jewelry boxes, ring boxes, pouches, display cases, papers, and similar containers or presentation items included in your shipment are not insured, are not part of any offer or valuation, and are not guaranteed to be returned, in their original condition or at all. If a container or box matters to you, do not send it.

1.3 Shipping deadline. If you accept a quote or agree to sell before shipping, you must ship the items within five business days of receiving our mailer and label. If the items do not ship within that window, any quote or agreed pricing is void and the transaction restarts at current market conditions when the items arrive. If no shipment is received within 30 calendar days of the kit being delivered to you, the request is closed and a new request is required.

1.4 Locked prices before shipment. Mail-in transactions are estimates until we receive and test your items, and no market-loss obligation applies to an estimate. As a standard practice, we do not lock prices before shipment, and nothing on this website, in a quote, or in a conversation with our staff offers or promises a locked price; consistent with industry practice, items are priced after we receive and test them. In rare cases we may, at our sole discretion, expressly agree in writing to lock a specific price for specific items before shipment. If we do, we will require a valid credit or debit card on file before the price is locked. The card is saved as a payment method in a customer profile held by our payment processor, on the processor's systems; we do not store card numbers ourselves. By providing the card and accepting the locked price, you agree to sell at that price, you authorize us to make market commitments (including hedging) against it immediately, and you expressly authorize us to charge that card for any market loss you cause. If you then fail to ship by the shipping deadline, cancel, or deliver items materially different from what you described, you are responsible for our market loss: the difference between the locked price and the market price at the time we unwind the commitment. We may charge the card on file for that amount; if the charge is declined, reversed, or unavailable, we will invoice you, payment is due within ten business days of the invoice. Any market gain from unwinding a locked price belongs solely to us.

1.5 Increased-coverage window. A digitally confirmed insurance increase above the standard $1,000 is valid for three business days from our confirmation. If your package receives its first carrier scan after that window, coverage reverts to the standard $1,000 maximum, with no exceptions. If you need more time before shipping, contact us and ask for the increase to be reconfirmed first.

1.6 Non-compliant shipments. We may reject any shipment that does not use our label or services, or that arrives open, exposed, damaged in a way suggesting tampering, or otherwise outside our packaging requirements. Rejected shipments are returned at your expense and are not insured during return transit; you bear all risk of loss for a rejected shipment and waive any claim against us related to it. Alternatively, we may accept a non-compliant shipment with adjusted valuation reflecting any damage or discrepancy, at our sole discretion.

1.7 Increased coverage. Each order is insured up to $1,000 at no charge. Additional coverage is available before shipping for an additional cost, shown to you before you confirm, which may be deducted from your payment.

2. Items we buy

We buy coins, bullion, diamonds, precious-metal jewelry (including broken and scrap pieces), luxury watches, raw gold, nuggets, collectible and numismatic currency (old bank notes, trade dollars, and similar collector pieces), and essentially anything made of precious metal. Call us at (503) 400-5608 if you are unsure about an item; we will do our best to guide you. Copper items (bars, coins, pure copper) require you to contact us first, and we reserve the right not to buy them.

All orders include free labels with $1,000 of insurance in total per order, and you are welcome to ship any of the items above to us, whatever their value. If your coins, bullion, or other items are worth more than $1,000, you can still ship them; just contact us before shipping to arrange increased coverage as described in "Shipping protocol and insurance," at additional cost and with our digital confirmation. Without that prior confirmation, coverage is $1,000 maximum regardless of what the contents are worth, and coverage cannot be added or increased once a package is in transit; by then it is too late. We reserve the right to charge for items we deem ineligible for free shipping because of size, weight, value, or other considerations; you will be notified of any charge before shipping.

2.1 Prohibited items. Do not ship firearms, ammunition, explosives, drugs, hazardous or flammable materials, or anything illegal to possess or mail. Do not ship modern circulating cash as payment or filler; collectible and numismatic currency is different and welcome, and we do buy it, including old bank notes, trade dollars, old pennies, and similar collector pieces. If a prohibited item arrives, we may notify law enforcement, surrender or dispose of it as the law requires, and you are liable for our resulting costs. We buy only the kinds of items described in this section; anything else in a shipment is handled under "Return shipping policy" or, if legally required, surrendered.

3. Your packaging responsibilities

• Package items properly to prevent damage in transit to and from Accurate PMR. Use durable boxes, tape, and fillers; avoid packing peanuts and paper shreds. Pack items so they cannot move or make sound inside the box.
• Prepare and keep a detailed packing list that includes, for each item, a description, weight, estimated value, and a clear photograph. Include receipts or other proof of value if available. Email the packing list and photographs to [email protected] before shipping. The estimated value you state documents your shipment for a possible claim; it never obligates us to pay that amount, and any claim is paid only as provided under "Risk of loss."
• Take a clear photograph of all items being shipped, with every item visible, and email it to us before shipping.
• If one shipment uses multiple labels or packages, document the contents of each package separately and label each according to our instructions.
• Reinforce all seams with tape to prevent bursting, and fully tape over the shipping label with clear packing tape so it cannot detach or be damaged.
• Use only Accurate PMR-provided labels. No branded boxes, logos, or graphics other than the carrier's are permitted. If our staff request double boxing, follow their instructions. Contact [email protected] for packaging guidance if needed.
• Do not declare a value or disclose the contents to the carrier.
• Deliver the package only to a staffed location operated by the designated carrier. Do not use unmanned drop boxes, locations without carrier personnel, or third-party drop-off locations.
• If you reuse a box or mailer, remove or completely cover every previous shipping label, barcode, address, and marking with opaque tape, paper, or a blank label before applying our label. Marker ink alone is not sufficient; automated sorting scanners read barcodes through it. A package that is misrouted, delayed, returned, or lost because of an old label, barcode, or address you left readable is entirely your responsibility, is excluded from all insurance coverage, and voids any claim in full.
• Take all other reasonable precautions to reduce the risk of loss, theft, or damage in transit.
• For stronger documentation, photograph items on or beside a scale showing the weight, and take close-ups of hallmarks, purity marks, and coin dates or mintmarks; this helps us verify your shipment and process any claim.
• Obtain an official printed acceptance receipt from the carrier showing the tracking number and, where the carrier records it, the weight of the package; when dropping off at a staffed location, ask for the package to be weighed and the weight printed on the receipt. Keep the receipt until you have been paid or your items are back with you.

4. Intake verification

We may document shipments at intake, including by photographing the package, photographing the items after opening, video recording, counting, and weighing. Where such a record exists, it is conclusive evidence of what we received, absent manifest error, and controls over any packing list where the two differ. If our intake record differs materially from your emailed packing list, we will notify you before proceeding with an offer.

5. Reporting issues and filing an insurance claim

Legitimate claims are our priority, and this process is designed to resolve them fairly and quickly; its requirements exist to protect honest customers by keeping fraud out of the program. This section applies to packages you ship to us. For packages we ship to you, including returns, the timeframes in "Receiving packages from us" apply, and any claim then follows the same claim form and documentation process described in this section. If your items are damaged, lost, delayed, or stolen in transit to us, you must notify us by email to [email protected], not by phone, within 10 calendar days of the shipment date or, where the package's tracking has stopped updating, within 5 calendar days of the most recent tracking update, whichever is later. Notifying us early lets us open an investigation with the carrier immediately; the carrier's own waiting periods before a formal lost-package claim can be filed are our concern, not yours, and are accommodated by the claim processing period below. Failure to notify us within this timeframe bars any claim against Accurate PMR, the third-party insurer, or its underwriter, and you waive any right to a loss, theft, or damage claim.

After notifying us, we will send you our claim form, which you must complete, sign, and return together with the following, all within five business days of your notification; an incomplete or unsigned claim form may result in denial of the claim:

• the printed carrier acceptance receipt showing the tracking number and, where the carrier recorded it, the weight of each package;
• the detailed packing list (description, weight, estimated value, and photograph for each item) as emailed to us before shipping; where the carrier recorded a weight, the total weight on the packing list must match it. Receipts or other proof of value significantly speed up the process;
• completion of our identity-verification process (including KYC), completed through our identity-verification provider, sent to you electronically as a link. Verification is completed on the provider's platform, under its own terms and privacy policy, as described in our Privacy Policy. This step is mandatory with no exceptions; refusal forfeits the claim and you agree to hold Accurate Precious Metals Refineries, Inc. and the insurer harmless. We do not provide technical support for the verification process; arrange help from a family member, trusted individual, or third-party service if needed;
• any other information or documentation requested by Accurate PMR or the insurer.

You also agree, as a condition of any claim, to cooperate fully with us, the insurer, and law enforcement throughout the investigation, and to promptly and truthfully complete any report, form, affidavit, or official process we or the insurer require. Depending on the claim, required steps may include: filing a police report; pressing criminal charges against the responsible parties when asked by law enforcement or required by us or the insurer; signing a sworn proof-of-loss statement under penalty of perjury, notarized if we or the insurer require it; giving a recorded statement or interview about the shipment and the loss; and sitting for an examination under oath if the insurer requires one. Refusing or failing to complete any required step forfeits the claim, and you hold Accurate Precious Metals Refineries, Inc. and the insurer harmless for the lost, stolen, or damaged package. A knowingly false statement in any claim document is fraud: it results in denial of the claim and is reported to law enforcement (see "False claims"). We reserve the right, at our sole discretion, to satisfy a claim by replacing the items with items of equal replacement value instead of a cash settlement, and you agree that this satisfies the claim. Payment on a claim is made under "Loss of items." The values you state in a claim, on your packing list, or in a sworn proof of loss, and the amount of insurance coverage in place, are ceilings, never promises. Coverage sets the maximum a claim can ever pay, not the amount it will pay: every claim is paid under "Risk of loss," including the fair-market or replacement value determined solely by Accurate PMR. Insurance under these terms exists to make you whole for the replacement value of the items; it is not a guarantee of the amount you declared, hoped for, or insured to. For example, requesting increased coverage of $12,000 does not entitle you to $12,000: if the replacement value of the lost items is determined to be $4,000, the claim pays $4,000, and the coverage amount means only that recovery could never have exceeded $12,000. By requesting increased coverage or filing a claim, you agree to this. Failure to provide complete documentation within the stated period forfeits the claim. A claim is not eligible if the loss resulted from inaccurate shipping, address, or contact information you supplied. A claim under this section covers transit loss, theft, or damage only; it is never a means to cancel, revoke, renegotiate, or unwind a transaction, an accepted offer, or an abandonment processed under "Abandoned items." We may extend any deadline in this section at our sole discretion, but only by our express written confirmation; no extension exists otherwise, and the grant of an extension in one instance never creates a right to an extension in any other.

5.1 Undocumented shipments. If a package is lost in transit and you cannot provide the required pre-shipment photographs, packing list, and proof of value, the maximum reimbursement for that shipment is $100, regardless of the value you later claim its contents had.

5.2 Grounds for denial. A claim may also be denied if the package was not securely packaged, was never physically scanned into the carrier's system, was left at an unstaffed drop box or given to a carrier other than the one on the label, shows tampering attributable to your packaging, or arrives at our facility empty or with contents materially different from your packing list; empty or short shipments are investigated under "Intake verification," and we may reject a claim based on the investigation's findings.

5.3 False claims. Submitting a false or inflated claim through the United States mail or by interstate wire (phone, email, or text) is a federal crime. Every claim is investigated, and we report suspected fraud to law enforcement and to the insurer.

5.4 Claim processing period. Claims are not processed earlier than 30 days after we receive your completed, signed claim form. This period allows the carrier's trace process to complete and delayed packages to be located or delivered; a package that is delivered during this period resolves the claim.

5.5 Claim timing. Beyond the processing period above, the time from claim submission to resolution depends on the third-party insurer and its underwriters and is outside our control. We make reasonable efforts to keep claims moving but do not guarantee any timeline for investigation, decision, or payment.

5.6 Records retention. Intake and security records (photographs, video, weight logs) are retained at our discretion, and we do not guarantee any record's availability for any length of time. A claim or dispute raised after such records have been deleted is evaluated solely on the documentation you submitted and whatever records we still hold at that time.

6. Risk of loss

You bear the risk of loss during shipment. Accurate Precious Metals Refineries, Inc. is not liable for damaged, lost, or stolen items except to facilitate an insurance claim based on our insured value. Liability is limited to the insurance coverage in place, and we are not responsible for indirect, incidental, punitive, exemplary, or consequential losses or damages. You agree to defend, indemnify, and hold Accurate PMR harmless from any third-party liability or claim. In no event will Accurate PMR or the insurance underwriter be liable for more than the lesser of (a) the fair market or replacement value of its contents as determined solely by Accurate PMR, or (b) the insurance coverage in place for the shipment. You agree that retail appraisals and insurance valuations overstate liquidation value and that our determination of replacement value controls, regardless of any appraisal or receipt you hold. Where an item's value depends on characteristics that cannot be verified from your documentation, it is valued at the base specification the evidence supports: a coin without a grading certificate or clear photographic evidence of numismatic value is valued at its metal content, and a gemstone without documented characteristics (for example a diamond's cut, color, and clarity) is valued at the most common commercial grade for its stated size. Certificates, appraisals, receipts, and detailed photographs provided before shipping are how you establish more. All orders are insured to a maximum of $1,000 in total, regardless of the number of packages, unless you requested and received signed digital confirmation of higher coverage before shipping. For example, a $20,000 watch shipped with the standard $1,000 coverage is insured for $1,000, and the claim will be submitted for that amount only.

6.1 Loss of items. While your items are in transit on our label or in our possession, our total liability for any loss of, damage to, or theft of your items, from any cause, including, but not limited to, fire, burglary, robbery, theft (including by employees), carrier loss, or negligence, and under any legal theory, is limited to the lesser of (a) the coverage confirmed for your order ($1,000 unless we confirmed a higher amount in writing before you shipped) or (b) the replacement value of the items, determined through our insurer's adjustment of the claim or, if no insurance payment is made, by us under "Risk of loss." Covered claims are paid through our insurance, after the claim process in "Reporting issues and filing an insurance claim" is complete. If our insurer does not pay a covered claim, we pay the amount due under this section, without deducting any insurance deductible. This payment is your only remedy and full and final satisfaction for the loss. This limit does not apply to our gross negligence, willful misconduct, fraud, or taking of your items for our own use, and it applies to the fullest extent the law allows.

7. Proving ownership

To prove ownership and contents you must be able to provide: a clear photograph of all items shipped, emailed to [email protected] before shipping; the detailed packing list described above; the carrier tracking receipt; and any receipts, appraisals, or other documentation that help establish value and ownership. Failure to provide these may delay or result in denial of an insurance claim, since they are essential to verifying the contents and your possession of the items.

8. Offers, holding period, and non-response

8.1 Non-bullion items and offers of $1,000 or less. We will send your offer by phone call, voicemail, email, or SMS text message, and we decide which method of confirmation we use (verbal confirmation, email, text to our mail-in number, (866) 206-8510, or a signed document). You have 14 days from the date of the offer to accept or decline. If we have not heard from you by the 13th day we send a reminder, which may be delivered by any of the contact methods you provided, including automated reminders from our electronic-signature system. If no response is received by the end of the 14th day, the offer lapses: you can no longer claim it, and any new offer is calculated at current market conditions. Your items are then held pending your instructions under 8.3 below.

8.2 Bullion, coins, and any offer over $1,000 (including jewelry). Because of market volatility, these offers expire at the time limit our staff states with the offer, whatever that time limit is, and it may be as short as one hour. If no time limit is stated with the offer, the offer expires 72 hours after it is sent. Once an offer expires, its price can no longer be claimed. After expiry we will usually reach out to you, and an updated offer may be provided, calculated at current market conditions based on the metals market, premiums, and supply movements. If we receive no response at all within 14 days of the initial offer despite our outreach and reminders, your items are held pending your instructions under 8.3 below, which begins the same 45-day total process described there.

8.3 Non-response, held items, and the 45-day total window. When an offer lapses without any response, we send you a held-items notice by the contact methods you provided, telling you that your items are being held pending your instructions. You then have 30 calendar days from that notice to respond: request a current offer, or confirm return shipping to the address on your original application. Counting the offer window, this gives you a total of approximately 45 days of our attempted contact before anything further happens. If we receive no response within those 30 days, your items are deemed abandoned and are handled under "Abandoned items" in the Return shipping policy. We never ship items to a customer we cannot reach: a customer who has gone completely dark may no longer be at the address on file, and sending valuables into that unknown risks loss, theft, and misdelivery, so we do not do it, and holding or processing your items under this process is never wrongful retention or conversion. We may, at our sole option, instead close the transaction by paying our last offer to you, the verified original applicant. We manage a high volume of items and cannot hold them indefinitely. If you anticipate a delay (travel, for example), tell us in advance and we will make every effort to coordinate with you. By accepting these terms or mailing items to us, you acknowledge and agree to this process. It is also disclosed on the kit-request form, and we keep records of every offer, reminder, and notice we send.

9. Accepting the offer

All telephone calls and SMS text messages related to buying and selling with Accurate Precious Metals Refineries, Inc. are recorded and documented. At our discretion, acceptance of an offer may be confirmed by (a) verbal confirmation during a recorded call, (b) written confirmation by email to our staff, (c) an SMS text message to our mail-in number, (866) 206-8510, or (d) execution of a written document through secure electronic signature. These methods are the exclusive and sufficient means of confirming acceptance for mail-in transactions. A confirmation given under any of our registered trade names forms a contract with Accurate Precious Metals Refineries, Inc. Any such confirmation forms a legally binding and enforceable contract between you and Accurate Precious Metals Refineries, Inc., governed exclusively by the laws of the State of Oregon. Title to the items passes to Accurate Precious Metals Refineries, Inc. upon acceptance, or upon processing under "Abandoned items." Once you accept, your order moves immediately through our system and we make time-sensitive market and operational commitments (including hedging) based on your acceptance; the transaction is therefore final and, except as required by applicable law, cannot be canceled, revoked, rescinded, or modified. You expressly waive any right to do so, and we may pursue all available legal remedies to enforce the agreed terms. You consent to the recording of calls and texts and agree that recordings, texts, emails, and e-signed documents are admissible evidence in any proceeding.

10. Declining the offer

Declining an offer is always your right, with no obligation and no penalty. Before accepting any price, simply email [email protected] or text our mail-in number, (866) 206-8510, to say you decline. Once you have accepted under "Accepting the offer," we immediately make commitments we are required to fulfill and your order moves into processing and hedging, so it cannot be canceled, reversed, or returned after that point.

Please note: declining an offer does not automatically start return shipping; automatic return is not the default. Instead, a member of our team will reach out to you to confirm what you would like to do next. At that point we may share an updated offer, since we can often reach a better outcome once we understand your goals, or you can simply request your items back, at no cost. You are never obligated to accept any updated offer. Return shipping is arranged as soon as you confirm that you want your items returned, and it is provided at no cost with insurance based on the lowest offer price, up to a maximum of $1,000. For example, if we offer $950 and you decline, return shipping is free with $950 of coverage. If the offer is $4,000, coverage is capped at $1,000 unless you request additional coverage, which is available for an additional cost. If you decline but do not tell us what you would like done with your items, we will attempt to reach you for 15 calendar days. If we cannot reach you in that time, we send a written held-items notice by email, and the 30-day process under "Abandoned items" then applies, which gives you, in total, at least 45 days from your decline before your items are treated as abandoned, the same total window we give customers who never respond to an offer at all.

11. Cancellation of a deal or offer

Accurate Precious Metals Refineries, Inc. reserves the right to cancel any deal or offer for any reason at any time, even after a signed agreement. Once canceled, the order and shipment are subject to the Return shipping policy below. Items mid-transit continue to be covered provided you followed all our insurance requirements; if we cancel while items are in transit, they become subject to the Return shipping policy on arrival.

12. Testing and analyzing

By accepting these terms and by sending items to Accurate PMR, you expressly authorize us to perform every test and procedure we consider necessary to accurately determine the value, purity, and authenticity of your items, including but not limited to scratch tests, acid tests, X-ray fluorescence, magnetic tests, cutting, drilling, disassembly, fire assay, smelting, melting, and any other procedure or process we deem necessary. This applies to watches, rings, bracelets, chains, necklaces, pendants, earrings, diamonds, coins, bars, and any other item sent to us for analysis. You acknowledge and fully accept that testing may scratch, mark, ding, dent, cut, drill into, disassemble, melt, or otherwise damage or alter your items, and that no further or separate authorization from you is required for any test. You fully, irrevocably, and unconditionally waive and release any and all claims against Accurate Precious Metals Refineries, Inc., its affiliates, employees, and agents arising from the testing or analysis of your items, including any change in their condition, appearance, or value, and you agree not to pursue any claim, demand, legal action, or arbitration based on damage or alteration caused by testing, to the fullest extent the law allows. If you decline an offer, your items are returned in their tested condition.

12.1 Sealed casings and packaging. Testing may require removing items from sealed casings, capsules, holders, boxes, or other packaging, and the casing or packaging may not be returnable in its original form. You waive any claim based on the opening or condition of casings and packaging.

12.2 Consolidation after purchase. Once you accept an offer and title passes under "Accepting the offer," or items are processed under "Abandoned items," the items are our property and may be refined, consolidated, or commingled with other material immediately, and cannot be recovered, repurchased, or returned.

13. Payment disbursement

Payment options and their fees:

• Check by USPS First Class Mail: no additional cost.
• Express check (2 to 3 days): $20.00 shipping fee.
• Overnight check: $45.00 shipping fee.
• Wire transfer: $40.00 fee; requires banking details.

Fees for premium payment options are deducted from your final payout. If your payout is less than the fee, we default to a check by USPS First Class Mail at no cost. Payment options vary and are sometimes unavailable; ask what options are available before signing any agreement, and we will confirm them once you accept. Payment timing. We typically issue payment within 1 to 3 business days after you accept our offer, not including delivery time for the payment method you choose. When market conditions affect payment times, your offer or agreement may state an estimated payment timeline instead, and that estimate applies to your transaction. Payment may also be delayed by circumstances outside our reasonable control, including, but not limited to: significant disruptions in precious metals markets (such as extreme price movements, trading halts, or settlement suspensions); refinery, assay, or depository backlogs or settlement delays; delays, outages, or holds by banks, payment processors, or payment networks; carrier delays; government action; and fraud, identity, or compliance reviews. If a delay occurs, we will issue payment as soon as reasonably practicable after the cause ends. A delay caused by these circumstances is not a breach of these terms.

By requesting a wire transfer or any other electronic payment method we may offer, you warrant that the receiving account is owned by you, the original applicant, and you authorize us to verify account ownership before releasing funds. A payment that fails or is returned because of details you supplied will be reissued by check to the verified address on file, less any bank fees we incurred.

13.1 Uncashed checks. A check not cashed within 180 days of issue is void. We will reissue it on request, less the bank's stop-payment fee (approximately $30, at our bank's then-current rate), after re-verifying your identity and address. Unclaimed funds are handled as required by applicable unclaimed-property law.

13.2 Final payment. Depositing or cashing our check, or accepting an electronic payment, for a lot constitutes your acceptance of that amount as full and final payment for that lot and a release of all claims relating to it, except claims that cannot be released by law.

14. Payment recipient and address

Accurate Precious Metals Refineries, Inc. pays exclusively the original applicant named on the mail-in request submitted through this website. No change to the payee's name is permitted under any circumstances. Payments are mailed or disbursed only to the address provided by the original applicant, and we will not send payment to any other address unless the applicant has officially updated it with us and passed verification.

To verify the original applicant we may require completion of our identity-verification process (including KYC), completed through our identity-verification provider, as described under "Identity verification and fraud prevention" in our Terms and Conditions. Failure to provide requested verification may delay or withhold payment until identity and address are confirmed. Requests to change the payee or payment address that do not meet these conditions will be rejected.

14.1 Change of address. To update the mailing address on file, the original applicant must email the request to [email protected] from the email address on file and complete our identity-verification process (including KYC), completed through our identity-verification provider. An address change takes effect only after we confirm it in writing; a payment or return shipment already handed to a carrier cannot be redirected. The payee's name can never be changed. If a dispute arises over the rightful recipient, we follow the "Disputed items" or "Death of a client" procedures and may withhold payment until it is resolved. This policy protects both you and Accurate PMR from fraudulent claims and diverted payments.

14.2 Why we verify before changing an address. We send payments and return items only to the address on your original request, because that is the address we know is connected to you. A request to send valuables or money somewhere new is one of the most common ways fraud is attempted, including by someone who has gained access to a customer's email or phone. So before we change where your items or payments go, or process a claim, we confirm that we are speaking with you through our identity-verification process, completed online through a secure link we send you. This step exists to protect your items and your money, and we apply it every time.

14.3 Payments go only to the person who sent the items. For the same reasons, we pay only the original applicant (the person who submitted the request and sent us the items), and we cannot send payment to anyone else, even at the applicant's request. If the items belong to someone other than the applicant, the owner should submit their own request; we will return the items free of charge to the original address if needed. Estates and ownership disputes follow "Death of a client" and "Disputed items," and a business, trust, or estate is paid in its own name when the applicant signs as its authorized representative.

14.4 Items belonging to a trust or an estate. If items belong to a trust or to the estate of a person who has died, or if at any point we are told they do, we pay only the trust or the estate, never an individual personally, except a successor to whom the law directs payment under a small-estate affidavit. The request must be submitted by the person with legal authority to sell (the trustee, or the estate's court-appointed personal representative or successor under a small-estate affidavit), who completes our identity-verification process. Before payment, we require documentation showing that person's authority, for example a certification of trust, letters testamentary or of administration, a small-estate affidavit, or the equivalent document under the law of the state that governs the trust or estate, and the name on it must match the verified person. You may provide this documentation electronically, including as a scanned copy sent by email; we may request additional documentation where we consider it necessary. Payment is issued in the name of the trust or the estate, or, under a small-estate affidavit, to the successor it names. We may rely on documentation that appears valid on its face, and payment made in reliance on it fully discharges our obligation. Until authority is documented, we hold the items and any proceeds, and the deadlines in "Offers, holding period, and non-response" are suspended.

15. Return shipping policy

15.1 Shipping and insurance coverage. In plain English: return shipping is free, except in the few cases this policy lists. If you decline our offer, your return also includes standard insurance based on the lowest offer price, up to a maximum of $1,000 per order, regardless of the offer amount or the declared value. Items we choose not to purchase also ship back free, insured up to $1,000, and zero-value items ship back free on request without insurance, as section 15.2 explains. If you want coverage above $1,000 for returned items you may request it, and you are responsible for the additional postage and insurance cost. All return shipments are arranged and handled by Accurate PMR; you may not use your own labels or carrier accounts for returns from our facility. We are not responsible for minor cosmetic scratching, scuffing, or surface wear resulting from ordinary handling, packing, or transit of returned items, or for the condition of casings and packaging opened during testing.

15.2 Items we don't buy. (a) Genuine items we choose not to buy are returned to you free of charge, insured up to $1,000, on the same timeline as a declined offer (section 15.4(b)). If you want more coverage, you may request it at your cost under 15.3. (b) Zero-value items, meaning items with no precious-metal value (for example plated, costume, or imitation jewelry; watches not made of precious metal; tungsten-filled or other fake coins and bars; or other non-precious material), are returned on request only. When we find an item has zero value, we notify you electronically. If you request its return within 7 days of that notice, we ship it back free of charge, without insurance; you may request insurance at your cost under 15.3. If you do not request its return within 7 days, it becomes the property of Accurate Precious Metals Refineries, Inc. to handle as it sees fit, and we are not obligated to send further reminders. (c) Items the law does not allow us to return, such as certain counterfeit coins or anything illegal to possess or mail, are not returned and are handled as the law requires, which may include turning them over to the appropriate authorities. You hold Accurate PMR, its affiliates, employees, and agents harmless for any loss, theft, or damage of uninsured returns in transit, and for any hold or surrender to authorities, and you agree not to bring any claim or lawsuit over them; any dispute is resolved as "Dispute resolution and governing law" in our Terms and Conditions provides. (Shipments rejected for non-compliance are handled under "Non-compliant shipments" above and are returned uninsured at your expense.)

15.3 Additional insurance. To insure a return above $1,000 you must contact [email protected] before return shipping and receive digital confirmation of the increased coverage at your expense. Return coverage above $1,000 follows the same signed-agreement process as inbound increased coverage: any earlier estimate of the return-coverage cost is an estimate only and the actual cost may be higher; we will state the exact cost, and your approval and payment are required before the return ships. No verbal agreements are accepted. If you decline to pay for additional insurance or do not respond within 7 days of notification, we insure the package for the lowest offer price, up to $1,000, at no cost to you. For example, if we offered $850 and you decline, the return is insured for $850; if the offer was $5,000, coverage is capped at $1,000 unless you pay for more; a $0 item is returned uninsured.

15.4 Abandoned items. We are never obligated to attempt a return shipment to a customer we cannot reach or whose receipt of the shipment we cannot confirm, and holding or processing items under this section is never wrongful retention or conversion. This section never applies while an offer is still open under "Offers, holding period, and non-response." Items are deemed abandoned when any of the following occurs: (a) the 30-day held-items window in that section expires without any response from you; (b) after you decline an offer or we decline to purchase, we cannot reach you during the 15-day confirmation period described in "Declining the offer," and you then remain unresponsive for 30 calendar days after our written held-items notice (sent by any of the contact methods you provided, including automated reminders) asking you to confirm return shipping; or (c) a return shipment we attempted is refused or returned undeliverable and you do not cure it within 30 calendar days of our notice. Abandoned items are then treated as sold to us at the purchase price we would have offered for them under "How we price the items we buy" in our Terms and Conditions, determined at our sole discretion as of the date we process them; from that price we deduct our accrued shipping, storage, administrative, and notice costs, and we record the remaining balance for you. If you contact us afterward, we will verify your identity and pay you the recorded balance, and you agree to accept the recorded balance as full and final payment for the items. We keep records of every contact attempt, the price, and the resulting balance. Any recorded balance that remains unclaimed for the period the applicable unclaimed-property law provides is reported and remitted to the unclaimed-property program of the state of your last known address, or as the law otherwise directs, after which your sole recourse for the balance is with that state.

16. Receiving packages from us

Many packages from Accurate PMR require a signature on delivery; someone must be present, and you are fully responsible for tracking and monitoring the package. A package counts as lost in transit only when the carrier's tracking has not updated for the carrier's own threshold: five or more calendar days for USPS, three or more calendar days for UPS, FedEx, or any other carrier we use. You must notify us of a lost-in-transit package within that same window, measured from the most recent tracking update. Once tracking shows the package as delivered, you have 48 hours from the delivery timestamp recorded by the carrier to notify us that the package is missing, contains the wrong items, is short items, or arrived damaged; no claim is available after that window. If the package is marked delivered and you were not present to receive it, you hold Accurate PMR harmless and cannot file an insurance claim. Claims for packages we ship to you follow the claim form and documentation process in "Reporting issues and filing an insurance claim," using the timeframes in this section. Risk of loss transfers to you when the carrier accepts the package; Accurate PMR is not liable for transit issues except to assist with a claim based on our appraised value. Return shipments to an incorrect or undeliverable address you supplied incur a repackaging, insurance, and reshipping fee at current carrier rates plus a $25 minimum, payable before we reship, and losses caused by inaccurate information you supplied are not eligible for an insurance claim.

17. Death of a client

By sending us your items you consent to these terms in the event of your death, and you confirm that you have the right to contract regarding the items. If a client becomes non-responsive because of death, Accurate Precious Metals Refineries, Inc. follows the procedure below. Our intent is to ensure that items and proceeds reach the rightful legal owner or heir while protecting the company from the high liability these matters carry. Accurate PMR will engage legal counsel as necessary and will work with your estate, heirs, personal representatives, executors, administrators, trustees, next of kin, or any other person lawfully claiming through you (together, your "Successors") to determine the rightful recipient of any payment or returned items under applicable state and federal law. A Successor must provide legal documentation (for example a death certificate, will, letters testamentary, trust documents, a small-estate affidavit, or court-appointed executor or administrator documentation) to verify their authority, and Accurate PMR may retain items or proceeds until that documentation is provided and verified. No one is entitled to payment or items merely by claiming a relationship to the client; verification always comes first.

Our intent is to treat every client's family with care and patience while protecting the company. We release items or proceeds only after our legal counsel has reviewed the documentation presented and confirmed the recipient's authority; we never release based on a claimed relationship or unverified paperwork. A distribution made in reliance on that documentation and on counsel's confirmation discharges our obligations to the fullest extent applicable law allows. Death does not rescind, revoke, or reopen any transaction, accepted offer, or abandonment completed under these terms; each binds the client's Successors as the "Binding effect" provision in our Terms and Conditions provides, and we may complete the processing of any accepted transaction. If we receive credible notice that a client has died, the deadlines in "Offers, holding period, and non-response" and "Abandoned items" are suspended for up to 90 calendar days so Successors can come forward and assemble documentation; after that period those sections resume and apply to the Successors. If Successors come forward after items have already been processed under "Abandoned items," the recorded balance is the full and final payment for those items, as the client agreed in these terms; the items themselves have typically been refined, consolidated, or sold and cannot be recovered or returned, and we will help the verified Successors claim the recorded balance from us or, once remitted, from the applicable state's unclaimed-property program.

All legal, administrative, and overhead costs Accurate PMR incurs in determining the rightful recipient, including legal-counsel fees, are payable by the Successors before items are returned or proceeds are distributed. We never force the sale of a client's items beyond what covering these costs requires: our default is to invoice the verified Successor, including when a Successor requests return of unsold items for sentimental reasons, with the invoice payable in full before release. If an invoice is not paid within 30 days of issue, or the Successors reject an offer and do not pay the invoice, we may sell enough items to cover the costs and distribute the remainder to the verified Successor. If no Successor provides the required documentation within 30 days of our notification, or none is ever verified, the items and proceeds are held or processed under "Abandoned items" and applicable unclaimed-property law. If payment has already been issued to a party other than the original client, applicable fees may be deducted from the proceeds. Accurate PMR is not liable for claims arising from distribution to a party deemed authorized based on the documentation provided and legal counsel, and you agree to hold Accurate PMR, its affiliates, employees, and agents harmless from such claims. We reserve all legal remedies, including recovery of costs, in any dispute over distribution.

18. Disputed items

If items sent to Accurate Precious Metals Refineries, Inc. are subject to a legal dispute, including divorce proceedings, liens, lawsuits, or other claims, whether known to us at receipt or discovered later, Accurate PMR reserves the right to hold the items until the dispute is resolved or legal authority is clarified. Claimants must provide legal documentation (court orders, settlement agreements, lien releases, or other evidence of ownership) to verify their authority to receive payment or the items, and Accurate PMR may retain items or proceeds until that documentation is verified.

All legal, administrative, and overhead costs Accurate PMR incurs in resolving the dispute, including legal-counsel fees, are deducted from the proceeds before distribution, by liquidating the appropriate amount of items or invoicing the authorized party, payable before any items are returned. Return of unsold items for sentimental reasons requires payment in full of an invoice for those costs. If the authorized party rejects an offer or fails to provide documentation within 30 days of notification, Accurate PMR may sell enough items to cover its costs and distribute the remainder to the verified party. If items have already been sold or payment issued to a party deemed authorized, applicable fees may be deducted from the proceeds. Accurate PMR is not liable for claims arising from distribution to a party deemed authorized based on the documentation provided and legal counsel, and you hold Accurate PMR, its affiliates, employees, and agents harmless from such claims. We reserve all legal remedies, including recovery of costs.

18.1 Adverse claims. We are not required to recognize a third party's claim to items or proceeds we hold for our customer unless the claimant delivers to us either (a) an order of a court binding on us, or (b) an indemnity bond or irrevocable letter of credit, in form and amount acceptable to us, protecting us from all liability, damages, and expenses that could result from honoring the claim. Absent one of these, we may, without liability to the claimant, continue to deal with our customer of record, or we may hold the items or proceed under the Interpleader provision below, at our option. This provision applies to the fullest extent applicable law allows, and nothing in it ever requires us to release items or proceeds while any claim is unresolved.

18.2 Interpleader. If two or more parties assert competing claims to items or proceeds in our custody, we may, at our option and without liability to any claimant, retain legal counsel and deposit the items or the proceeds of their sale with a court of competent jurisdiction through an interpleader or similar proceeding, and be discharged from further obligation regarding them. All parties agree that we act as a neutral stakeholder in that event, that our reasonable attorney fees and costs of the proceeding are recoverable from the deposited items or proceeds before any distribution to claimants, and that no claimant may sue us for retaining the items, engaging counsel, or interpleading them while the competing claims are unresolved.

19. Payments to unauthorized clients

If Accurate Precious Metals Refineries, Inc. pays a client who was not authorized to sell the items (for example because of a legal dispute, lack of ownership, or another unauthorized transaction) and that lack of authorization was not known to Accurate PMR at the time, all parties agree to hold Accurate PMR harmless from any liability, claims, or damages arising from the payment. Accurate PMR relies on the information the client provides at the time of the transaction and is not responsible for verifying a seller's authorization beyond that information. Any dispute arising from such a payment is resolved as "Dispute resolution and governing law" in our Terms and Conditions provides.

20. Price match and competing offers

If a competing precious-metals buyer has given you a genuine, verifiable written offer for the same items, tell us before you accept our offer and we will either beat the competing offer or return your items free of charge with standard insured return shipping under the Return shipping policy. Beating the competing offer by any amount satisfies this price match. This price match never obligates us to buy any item or to offer any particular amount, and if we choose not to beat the competing offer, your sole and exclusive remedy is the free insured return of your items.

A competing offer qualifies only if all of the following are true:

• It is a written, itemized offer stating the items, their weights and purities, and the offer amount, issued on the competitor's letterhead or from an email address at the competitor's own business domain, dated within the last 14 days, and made after the competitor physically inspected the same items. Website calculators, online estimates, price ranges, advertisements, auction or retail listings, expired offers, and offers on different or additional items do not qualify.
• The competitor is a genuine, currently registered precious-metals business operating in the United States. We verify this at our discretion, including through state business registries, the competitor's published phone number (which we may call), and its physical location or established web presence.
• You provide the competitor's name, address, and phone number together with the offer document itself, and you authorize us to contact the competitor directly to confirm that it issued the offer.

We verify every submission, and our determination of whether a competing offer qualifies is final. Submitting a fabricated, altered, AI-generated, or otherwise fraudulent offer document voids this price match and the transaction, forfeits free return shipping for that lot (return at your expense), and may be reported to law enforcement; see "False claims" above.

21. Promotions and bonus offers

From time to time we run promotions, for example an extra percentage added to an accepted offer for lots mailed within a stated window. A promotion applies only to lots that meet its stated conditions, is added to the accepted offer at payment, cannot be combined with other promotions unless we say so, and may be withdrawn for new requests at any time. A promotion can never raise the total payout for a lot above 90 percent of the melt value of its contents; where it would, the payout is capped at that amount. Sign-up bonuses. Some promotions add a bonus when you join our email or text list. Joining is optional, and you can unsubscribe at any time. We estimate the value of the information you provide as equal to the bonus offered in the current promotion. Promotions are at our discretion and may change or end at any time; the terms shown when you sign up apply. Declining cookies or exercising any other privacy right never affects your eligibility. See also the Privacy Policy.

22. Accessibility

We aim to keep this site usable with a keyboard, a screen reader, and other assistive technology. If any part of it does not work for you, or you would rather complete your request by phone, call (503) 400-5608 or email [email protected] and we will help.

23. Contact

See also our Terms and Conditions and Privacy Policy.