Terms and Conditions

1. Definitions

• "Accurate Precious Metals Refineries, Inc." (also "Accurate Precious Metals", "Accurate PMR", "APMR", "we", "us", or "our") refers to Accurate Precious Metals Refineries, Inc., Salem, Oregon, including all affiliates and assumed business names under which it operates. Your contract is with Accurate Precious Metals Refineries, Inc.: every agreement you form under these terms, every payment made or owed, and every obligation, warranty, and dispute is with Accurate Precious Metals Refineries, Inc. and no one else.
• "You" or "your" refers to the customer, whether acting as an individual or as an authorized representative of an entity such as a corporation, limited liability company (LLC), partnership, trust, or estate.
• "Products" refers to the bullion, coins, jewelry, diamonds, watches, and other goods we sell to you. "Items" refers to the goods you sell or deliver to us for evaluation, purchase, or any service.
• "Transaction" means any purchase from us or sale to us, online, by phone, by mail, or in person, and any related service we provide.
• "Services" encompasses everything we provide, including selling, buying, evaluating, testing, refining, grading coordination, repairs, the mail-in service, customer accounts, and related customer support.
• "Mail-in Policy" means our Mail-in Policy, which governs every shipment of items to us and is part of these Terms and Conditions.

2. Acceptance of terms

These Terms and Conditions govern all interactions and transactions with us, whether you are buying from us, selling to us, requesting a quote, creating or using an account, browsing this website, visiting our store, or contacting us by phone, email, or text. They apply to you as an individual or as an authorized representative of an entity. By engaging with us in any capacity, you expressly acknowledge and consent to be bound by these terms, which form a binding legal contract enforceable against you individually and, where applicable, any entity you represent. If you are acting on behalf of an entity, you warrant that you have full authority to bind that entity. This consent includes a waiver of class-action rights, as detailed in "Dispute resolution and governing law" below.

If you do not agree to any provision of these terms, you must not use this website or our services, and you must immediately cease any such activity. Your continued engagement with us signifies acceptance of the most current version of these terms.

3. Changes to these terms

We may update these Terms and Conditions from time to time. We post the updated version on this website with a new effective date, and we use commercially reasonable efforts to notify you of material changes by email or by a notice on this website. Changes apply going forward only: the terms in force when a transaction was confirmed govern that transaction, and the version of "Dispute resolution and governing law" in effect when the events giving rise to a dispute occurred governs that dispute. Your continued use of our services after a change takes effect means you accept the updated terms.

4. How we count time and read these terms

Unless stated otherwise, all references to "days" mean calendar days, counted from the day after the transaction or event that starts the clock. Where these terms say "business days," business days exclude weekends, United States federal holidays, the holidays we observe (listed on our Google Business Profile), and days on which the London precious-metals market is closed, and a business-day deadline that would end on a non-business day extends to the next business day. The words "include," "includes," and "including" mean "including, but not limited to," and examples never narrow the general words they follow.

5. Force majeure

We are not liable for any delay or failure to perform an obligation under these terms caused by events beyond our reasonable control, including, but not limited to, acts of God (earthquakes, floods, wildfires, storms), terrorism, war, civil unrest, labor strikes, pandemics, banking-system failures, carrier or supply-chain disruptions (including suspension of service by USPS, UPS, or FedEx), and governmental actions. During such events our obligations are suspended without penalty, and you may not make claims against us for non-performance. A force-majeure event is not grounds for cancellation, refund, or other relief from your own obligations. We will resume performance as soon as reasonably practicable.

6. Entire agreement

These Terms and Conditions, together with our Mail-in Policy, our Privacy Policy, and any offer, agreement, e-signature document, invoice, or transaction-specific paperwork we issue, represent the entire and final agreement between you and Accurate Precious Metals Refineries, Inc. concerning your transactions with us and your use of this website. They supersede all prior or contemporaneous agreements, understandings, negotiations, or representations, whether verbal, written, or electronic. No additional terms proposed by you are binding unless expressly agreed to in writing by an authorized representative of Accurate Precious Metals Refineries, Inc.

7. Website access and eligibility

This website and our services are for individuals and entities who are at least 18 years of age and legally capable of entering into a binding contract. Our services are offered within the United States. If you access the website on behalf of an entity, you represent that you have full legal authority to bind that entity to these terms. All transactions may be subject to documentation verification. When you create an account, check out, or submit a form, you will be asked to confirm your agreement to these terms, including "Dispute resolution and governing law."

8. Accounts and account security

Purchases through this website require a free customer account, created during checkout. Your account is part of our security framework: it gives you order history and tracking, and it gives both of us a verified record of your identity, addresses, and transactions. You agree to provide accurate, complete, and current information when registering and to keep it updated.

You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Notify us immediately at [email protected] or (503) 400-5608 if you suspect unauthorized use of your account. We are not liable for losses caused by your failure to safeguard your credentials or to report a breach promptly.

8.1 Closing accounts. You may ask us to close your account at any time, subject to completing any open transactions and obligations. We may close any account at any time, for any reason or no reason. If we close your account while an order is open, we will either complete that order or cancel it and refund in full any payment you made for it; we never keep both your money and your goods. We may also close accounts after an extended period of inactivity, following notice to the email address on file and settlement of any balances.

8.2 Refused customers and related accounts. If we decide to stop doing business with a person, we may decline their future transactions and block the associated names, mailing addresses, phone numbers, email addresses, and payment identifiers from our systems. We may also close or decline any account or transaction we reasonably believe is an alias of, operated by, or operated on behalf of a person we have declined to serve. "Our rights and discretions" below describes our right to refuse service generally.

9. Electronic communications, e-signatures, and monitoring

By using this website, creating an account, or giving us your contact information, you consent to receive communications from us electronically, including order and transaction confirmations, shipment and payment updates, pickup notices, invoices, notices of changes to these terms, and promotional messages where you have opted in to receive them or as otherwise permitted by law (by text message only where you have separately opted in), delivered by email, text message, or postings on this website. You may unsubscribe from promotional email at any time. You agree that electronic communications satisfy any legal requirement that a communication be in writing. It is your responsibility to keep your contact information accurate and to check your spam folder; we are not liable for delays or losses caused by outdated contact details or unread messages.

All notices we send you under these terms, including order confirmations, pickup and held-items notices, invoices, and claim communications, are delivered electronically to the email address and other electronic contact methods you provided, and you agree that electronic delivery is sufficient and satisfies any requirement that a notice be in writing. We are not required to send you any notice by physical mail, except where a law expressly requires it. Our systems keep records of every notice sent, including timestamps, and those records are conclusive evidence of sending.

You consent to transact and sign electronically under the federal E-SIGN Act and applicable state law. This includes the invoice and ownership declaration you sign when you sell items to us through the mail-in service, and you agree that your electronic signature and our electronic records of it are as valid as a signature and record on paper. You may request a paper copy of any document you signed electronically by contacting us, and you may withdraw your consent to electronic signing prospectively, which may delay or prevent completion of a transaction in progress.

To ensure compliance with these terms and applicable law, and to protect against fraud, we may monitor use of this website and your account, including account activity, transaction history, and communications with us, by automated systems or manual review. Personal information collected during monitoring is handled under our Privacy Policy.

9.1 Contact about your transactions and amounts owed. By giving us your contact information, you expressly consent to us, and to any collection agency or service provider acting on our behalf, contacting you about your orders, items, pickup notices, invoices, and unpaid amounts, by phone (including prerecorded or artificial-voice messages and automatic dialing systems), SMS text, and email, at the numbers and addresses you provided. This is transactional and account-related contact, and it applies even if you opt out of marketing messages. If you reply STOP to our texts, we will stop sending text messages and continue these communications by email or other permitted means. Revoking consent does not excuse any amount you owe.

9.2 Website technologies. This website uses cookies and similar technologies as described in the Privacy Policy, which also explains your choices, including our consent banner, the Your Privacy Choices link in the footer of this website, your browser settings, and the Global Privacy Control signal. By continuing to use the site after making your choices, you consent to the technologies in use under those choices and to our service providers processing the resulting data on our behalf as described in the Privacy Policy. Any dispute concerning website technologies, tracking, communications, recording, or data practices is subject to "Dispute resolution and governing law," including the required informal-resolution step and individual arbitration.

10. Text messages (SMS program)

The Accurate Precious Metals Refineries, Inc. SMS program delivers recurring automated text messages with order and shipment updates, mail-in package updates, spot price alerts, customer-service notifications, and, only where you have separately opted in, promotional offers. By opting in through one of our web forms or by other approved means, you agree that we may send these messages to the phone number you provided. Consent is not a condition of any purchase or sale.

• Message and data rates may apply. You are responsible for any charges from your mobile carrier.
• Message frequency varies; you may receive up to 5 messages per week.
• To opt out at any time, reply STOP to any message from us. We will send one final message confirming your unsubscribe. We may still need to contact you by another channel to complete or unwind a transaction in progress.
• For help, reply HELP to any message, or contact customer support at [email protected] or (503) 400-5608.
• Carriers are not liable for delayed or undelivered messages.
• Mobile information and SMS opt-in consent will not be shared with, or sold to, third parties or affiliates for their marketing or promotional purposes, excluding the providers of our text-messaging services who deliver our messages. See the Privacy Policy for how we handle your data.

We may modify, suspend, or terminate the SMS program at any time without prior notice.

11. Call recording

Calls with us are recorded. By continuing a call with us, you consent to its recording and to its processing by our service providers, including through automated tools, as described in the Privacy Policy. If you do not consent, end the call and contact us in writing instead. Agreements reached over the phone, once confirmed by voice, are binding contracts equivalent to written or electronic agreements and are enforceable under these terms. Recordings may be used as evidence in any dispute.

12. Identity verification and fraud prevention

To comply with the law and protect against fraud, we may at our sole discretion require you to complete our identity-verification process (including KYC), completed through our identity-verification provider, or to provide other documentation (for example to confirm your address, ownership, or authority), at any time: during account registration, before or after a transaction is confirmed, before we release payment or ship an order, or as part of ongoing account maintenance. You will be given a timeframe for providing it, typically five business days unless stated otherwise. Failure to provide requested information may result in delayed or withheld payment or shipment, cancellation of the transaction, or suspension of your account. Verification decisions are final.

A verification request never suspends, rescinds, or cancels a confirmed transaction: the transaction remains binding while verification completes. If you refuse or fail to complete requested verification, that is a failure to perform the transaction, handled under our "Market Loss Policy"; it is not a right to exit the transaction.

12.1 Selling to us by mail. State and local laws that govern buying precious metals and secondhand items require us to confirm and record who sold each item. So when you sell to us through the mail-in service and the law that applies to your sale requires it, verifying a valid government-issued photo ID through our identity-verification provider is a condition of payment: we pay only after verification is complete, and only to the person named on the verified ID. Where the law requires it, we may also ask for additional identification. If verification is not completed within the timeframe we give you, we do not pay, and the failure is handled as the paragraph above and the "Market Loss Policy" provide; your items are then returned under the Mail-in Policy once any amounts owed are settled, as "Right to withhold and offset" provides. This requirement applies to selling to us; it does not change how verification works when you buy from us.

Where a payment method requires bank verification, we may use our banking-verification provider to confirm account ownership and authorize transfers; the provider collects your information directly on its own platform, as described in our Privacy Policy. We may decline or limit service if verification cannot be completed.

We actively monitor transactions for potential fraud, including identity theft, payment fraud, misrepresentation, and the sale of stolen goods. If we suspect fraud we may investigate, request further documentation, suspend or cancel the transaction, hold items, products, or proceeds, report to law enforcement, and pursue civil and criminal remedies. You agree to cooperate fully with any investigation and waive any claim against us for actions taken in good faith to prevent or address fraud.

13. Spot prices and spot alerts

We display precious-metals spot prices on this website and offer an optional spot alert service that sends periodic price updates by email or text. Spot prices, charts, and alerts are informational only: they are supplied in part by third parties, they are not a locked price, a binding offer, or investment advice, and we are not obligated to honor a displayed price unless it has been confirmed in a transaction. Reliance on spot information is at your own risk, and we are not liable for decisions, losses, or missed opportunities resulting from it. If you opt in to alerts by text, the SMS program terms above apply, and standard message and data rates may apply.

14. Products, pricing, and availability

14.1 Product descriptions. We strive to describe every product accurately, including weight, purity, condition, and origin. We do not warrant that descriptions are exhaustive or free of typographical error. If you have questions about a product, contact us at [email protected] or (503) 400-5608 before completing a transaction. Our guarantee of authenticity and purity is in "Our authenticity guarantee on items we sell" below.

14.2 Pricing. Prices are determined by current market conditions, including spot prices, premiums, supply and demand, and operational costs, and change without notice. We reserve the right to correct pricing errors (for example typographical mistakes or system glitches) at any time, including after an order is placed but before fulfillment. If we correct a price on your unfulfilled order, we will notify you and you may proceed at the corrected price or receive a full refund of what you paid for that order.

14.3 Price Match Guarantee. We want you to buy at a competitive price, so we offer a price match on bullion products. If you find a lower current price on an identical, in-stock bullion product at an authorized national dealer we accept for matching (currently APMEX, JM Bullion, SD Bullion, Money Metals Exchange, and Silver Gold Bull), we will match it on request, subject to these conditions: the order is bullion (gold, silver, platinum, or palladium) valued at $999 or more; the competitor's product is identical in brand, size, weight, and quantity, priced in U.S. dollars, in stock, and ready for immediate shipment from both our store and the competitor's online store; and the comparison is total cost, including shipping and all other fees. Requests are accepted during our business hours, Monday to Friday, 10:00 AM to 6:00 PM Pacific Time. Certain products are excluded from price matching; contact us at (503) 400-5608 to confirm eligibility. We verify every request, our determination of eligibility is final, and we may modify, suspend, or withdraw this guarantee at any time, including during market volatility or stock shortages.

14.4 Promotional codes. Promotional codes, discounts, and price reductions are subject to their stated conditions, including expiration dates, minimum purchases, and per-customer limits. Codes must be applied at the time of transaction and cannot be credited retroactively. We may cancel, modify, or void promotional offers at any time, including offers misused or applied in error, and expired or invalid codes will not be honored.

14.5 Availability. Product availability is not guaranteed and may change without notice. We may limit quantities per customer or per transaction. If a product becomes unavailable after you order but before fulfillment, we will notify you promptly and refund in full what you paid for the unavailable product, or, with your agreement, substitute a comparable product.

15. Orders and binding transactions

When you place an order, accept a quote, or confirm a transaction, whether through this website, over a recorded call, by e-signature, or in person, you enter a binding contract with Accurate Precious Metals Refineries, Inc. at the confirmed price. The moment a transaction is confirmed, we make market commitments against it, including hedging and inventory allocation, so you are obligated to complete the transaction as agreed. You may not cancel, revoke, or modify a confirmed transaction, and precious-metals prices moving after confirmation is never grounds to do so; this is what gives you price certainty the moment you confirm. A transaction that fails because of you is handled under our "Market Loss Policy."

15.1 Confirmations. We confirm transactions by email, verbal confirmation on a recorded call, e-signature, or a written receipt in person, and you may request a printed copy at the time of transaction. The enforceability of your transaction does not depend on your receipt of a confirmation through any particular method; failure to receive one, for any reason, does not void or alter your obligations. Keep your contact information current and check your spam folder.

15.2 Designated channels only. All transactions must be conducted through our designated channels: this website, our listed phone numbers and email addresses, our store, and the mail-in process under the Mail-in Policy. We do not form agreements through social media, marketplaces, messaging apps, or any other unauthorized channel, and no message through such a channel creates an offer, acceptance, or obligation of any kind.

16. Payment

This section is our complete payment terms for purchases from us. It describes every payment method we offer now or may offer; the methods available to you at any given time are the ones shown at checkout or confirmed by our staff, and not every method is offered to every customer. We may withhold specific payment methods until a relationship is established or we are confident in the transaction. Every payment, by any method, may be subject to manual review by our staff; this review protects you and us from fraud and is normally completed within one to two business days.

16.1 Clearing is not shipping. Each method below has a payment clearing timeline. Clearing timelines are not shipping timelines: after payment clears, in-stock orders are generally packaged and shipped within 1 to 3 business days, longer during high demand or for backordered products, and the carrier then has its own delivery time. Delivery delays are not grounds for a refund or chargeback. For this section, business days follow our open days and store hours; days we are closed do not count.

16.2 Pricing by payment method. Our regular price is the price for orders paid by card, Apple Pay, Google Pay, or PayPal. Orders paid by check, bank wire, or cash receive a 4.5% cash discount, and orders paid by eCheck or ACH receive a 4% discount, already built into the prices displayed for those payment methods. There are no added commissions or payment surcharges; the only amounts added to a displayed price are shipping, handling, insurance, and any sales tax the law requires, all shown at checkout before you confirm.

16.3 Credit and debit cards. Clearing: approximately 1 to 3 business days. We accept Visa, MasterCard, Discover, and debit cards, processed by our payment processor on its systems; we do not store card numbers ourselves. All card orders are subject to manual review. We ship to the address on your order, and we reserve the right to request proof of ownership of, or relationship to, a shipping address we deem suspicious relative to the billing address, to protect you from fraud.

16.4 Apple Pay and Google Pay. Clearing: approximately 1 to 3 business days. Digital-wallet orders follow the card rules above, including manual review and address verification. The card you use through a wallet must not duplicate a card already stored in your account profile. Apple Pay is available on Apple platforms; Google Pay availability depends on your platform and browser.

16.5 PayPal. Clearing: approximately 1 to 3 business days. Orders must ship to an address associated with your verified PayPal account, and transactions may be flagged for review by our fraud-prevention team, which can delay processing. Checkout requires an account with us; we do not offer guest checkout.

16.6 Paper and cashier's checks. Clearing: the longest of our methods, roughly 10 to 18 business days in total, and NOT recommended if you want your order quickly. Check payment is enabled per customer by request: we speak with you by phone first, and a valid credit or debit card must be on file before the check option is activated for your account; each check order is then verified by phone. Checks must be postmarked within 2 business days of the order and received within 8 days of the order date; write your order number in the memo line. We do not accept money orders or convenience checks, and an order paid with one may be canceled or a replacement check required. Every check is held for 10 business days from the banking day of deposit to confirm funds, and may be manually reviewed with you to verify funding and account ownership. Products ship only after the hold clears. A check that is not received in time, or that bounces, is a failure to perform under the "Market Loss Policy," and you authorize us to charge the card on file as that policy provides.

16.7 Bank wires. Clearing: wires generally settle same day but may take 1 to 3 business days to fully clear and verify. Wire orders require a phone call: our sales team will call you within about an hour of your order (one additional attempt within 30 minutes if we miss you; orders placed at or after 5:00 PM Pacific receive one call) to verify your information and place a credit or debit card on file. The card is required for wire orders, nothing is charged to it at checkout, and it exists to secure the order under the "Market Loss Policy" if you do not complete payment. Wire instructions are emailed after checkout; include your order number in the wire reference. A wire transfer is not an ACH transfer; sending ACH instead of a wire delays your order. All wires are manually verified for account ownership and billing details.

16.8 Wire deadlines. Your wire must be initiated by the next national wire cutoff, 5:00 PM Eastern Time, after your order: orders placed on a banking day before 8:00 AM Eastern must be wired by 5:00 PM Eastern that same day; orders placed later in a banking day must be wired by 5:00 PM Eastern the next banking day; orders placed on a weekend or bank holiday must be wired by 5:00 PM Eastern the next banking day (usually Monday). Examples: an order placed Saturday night must be wired by Monday 5:00 PM Eastern; an order placed Tuesday evening must be wired by Wednesday 5:00 PM Eastern; an order placed Friday at 7:00 AM Eastern must be wired by Friday 5:00 PM Eastern. A wire not received on time is a failure to perform, and the order may be canceled under the "Market Loss Policy" with the fees it describes. Questions: call (503) 400-5608 before the deadline and we will work with you.

16.9 eCheck. All eCheck payments are subject to a mandatory internal hold of a minimum of 8 business days, and sometimes longer. The hold begins only when the funds are deposited into and received in our account, not when you initiate payment, and it reflects our internal processing and risk-management period, not your bank's clearing status. It cannot be expedited or waived. We may reject or cancel any eCheck transaction at our discretion. If an eCheck payment is rejected, reversed, or a refund is otherwise required, the refund is processed no earlier than 60 days after the original transaction date; this protects against duplicate withdrawals where a bank return or reversal follows a refund. By choosing eCheck you agree to these conditions.

16.10 ACH (bank transfer). ACH payments follow the same rules as eCheck: a mandatory internal hold of a minimum of 8 business days beginning when funds are received in our account, the right to reject any transaction, and refunds no earlier than 60 days after the original transaction date. You connect your bank account securely through our ACH payment provider, and ACH transactions are subject to that provider's risk and verification assessment, which determines whether a payment attempt is approved or declined; we cannot override that result.

16.11 Cash. We accept cash in person at our store. Cash transactions are subject to "Cash transactions and IRS Form 8300" below.

16.12 Failed and late payments. Payment deadlines are stated at confirmation and in this section. A payment that is not received on time, does not clear, or is reversed is a failure to perform, entitling us to cancel the transaction under the "Market Loss Policy." Returned checks and failed ACH payments also carry the NSF fee in "Fees." You are responsible for your own bank's fees.

17. Large orders

Large orders carry large market risk, so we protect them the way the industry does, with payment security before the price locks. For orders over $10,000 we may require payment by bank wire, a deposit, or a card on file before we lock the price. We may also require a wire or additional payment security on any order, even after placement, where we deem it necessary to protect the transaction; you will be notified and given two business days to comply.

If your payment has not cleared and the market moves significantly (for example a spot movement exceeding 3%), we may, at our discretion, cancel the unfulfilled order and refund in full any payment you made, or offer you the current price, which you are free to accept or decline. Where the failure to complete is yours, including failure to send the required wire or deposit on time, the "Market Loss Policy" applies instead. Market gains on funds held for an order you failed to complete remain our property, as that policy provides. For very large transactions, call us at (503) 400-5608 before ordering and we will structure the trade with you.

18. Market Loss Policy

Why this policy exists. The moment a transaction is confirmed, your price is locked, for both of us. We immediately make market commitments against that price, including hedging, and where you are buying from us we may purchase or allocate inventory in reliance on your order. Locking protects you: you know your exact price at confirmation, whatever the market does afterward. It also means that from that moment, the risk of your failure to perform is yours. We are not trying to hide anything or play games; we publish this policy, link it at checkout, and apply it the same way to every customer, because we have binding obligations to our own suppliers and the market that we cannot back out of.

18.1 When it applies. This policy applies when a confirmed transaction, buying from us or selling to us, fails to complete because of you. That includes: payment not received within the required timeframe; a check or electronic payment that does not clear; a chargeback, payment reversal, or payment retraction; failure to deliver items you sold us; refusal or failure to complete the transaction; failure or refusal to complete requested identity verification; and any cancellation we make because of your fraud, misrepresentation, or failure to perform. Estimates and unconfirmed quotes carry no market-loss obligation.

18.2 What you owe. If this policy applies, you are responsible for: (1) the Market Loss, meaning the difference between your locked price and the market price at the time we cancel the transaction and unwind our commitments; (2) a cancellation fee of the greater of $50 or 5% of the order total; (3) the actual, reasonable costs of collecting these amounts, including collection-agency fees, court costs, and attorney fees where a court or arbitrator awards them, to the fullest extent permitted by applicable law; and (4) interest on any amount unpaid after its due date at 1.5% per month (18% per year) or the maximum rate applicable law allows, whichever is less. Any market gain from a cancelled transaction belongs solely to Accurate Precious Metals Refineries, Inc.; we have no obligation to pass market gains to you.

18.3 How we collect. Where these terms placed a card on file for your order, you expressly authorize us to charge that card for the amounts above. Otherwise, or if a charge fails, we invoice you, and payment is due within ten business days. We may withhold shipments and payments, offset amounts we owe you, and exercise our possessory lien under "Right to withhold and offset" until you have paid in full. No future orders are accepted until all amounts owed are paid. Once you have paid in full, we will confirm it in writing and forgive further action for that breach; the matter is closed.

18.4 Collection of amounts owed. The informal-resolution and arbitration provisions of "Dispute resolution and governing law" govern claims filed in arbitration or court. They do not limit our exercise of the remedies these terms expressly grant us for amounts you owe: issuing an invoice, charging a card placed on file as these terms authorize, offsetting amounts we owe you, exercising our possessory lien, and referring unpaid amounts to a licensed collection agency acting as our agent. This section creates no remedy that these terms do not expressly state. In particular, a chargeback, payment reversal, or payment retraction is never a remedy under these terms, and initiating one is a breach governed by this policy. If you dispute an amount we claim, notify us in writing: that dispute is resolved under "Dispute resolution and governing law," and we will pause collection of the disputed portion while the informal-resolution period runs; interest continues to accrue, and any undisputed portion remains due.

19. Returns, refunds, and cancellations

19.1 All sales are final. We do not accept returns or exchanges, and we do not issue refunds on completed transactions, online or in store, under any circumstances except as these terms or applicable law expressly provide. This is not us being difficult: precious metals are traded commodities whose value changes constantly, and a dealer that accepted returns would absorb the market's movement on every one. Buy deliberately; if you have questions about a product, contact us before you purchase. Most products we sell are eligible for our buyback program ("Selling to us" below), which is the way to sell items back to us at the current market.

19.2 You cannot cancel. A confirmed transaction cannot be canceled, revoked, or modified by you, as "Orders and binding transactions" provides. A transaction that fails because of you is handled under the "Market Loss Policy."

19.3 If we cancel. We may cancel any transaction at any stage before fulfillment, as "Our rights and discretions" provides, including for pricing or system errors, stock unavailability, suspected fraud or misrepresentation, failed verification or compliance screening, payment not received in time, market instability, or orders presenting significant risk. If we cancel an unfulfilled order for a reason that is not your fault, we will refund in full every payment you made for it; we never keep both your money and the products. If the cancellation results from your fraud, misrepresentation, or failure to perform, the "Market Loss Policy" applies, and any refund is net of the amounts it provides.

19.4 Items we bought from you. A completed purchase of your items is equally final for both of us, except as "Counterfeit and misrepresented items" provides: your warranty of authenticity survives the transaction, and a counterfeit discovered later must be refunded as that section describes.

20. Shipping to you

20.1 Insurance. Every order we ship to you is insured through our insurance while in transit, at no separate charge beyond the shipping and handling shown at checkout. In exchange, you agree to the delivery discipline below; precious metals are not an ordinary package, and the coverage depends on your side of the bargain.

20.2 Your responsibilities at delivery. You or an adult you authorize must be physically present at the shipping address to receive the package directly from the carrier. Signature verification is required for packages valued over $1,000, and we may require a signature on any shipment at our discretion. Track your package using the tracking number we provide and plan to be present. Insurance coverage is void, and neither we nor our insurer accepts responsibility, if the carrier leaves the package unattended at your instruction or standing delivery preference, if the package is left with or signed for by anyone other than you or your authorized adult (for example a neighbor, building manager, or parcel locker or drop-off service), or if you share your tracking information with others. In any of those cases you bear the risk of loss.

20.3 Reporting a problem. Report a package that arrives damaged, tampered with, or with missing or incorrect contents, or that shows delivered but was not received, within 48 hours of the carrier's delivery timestamp, by email to [email protected]. A package is lost in transit when its tracking has not updated for 5 or more calendar days (USPS) or 3 or more calendar days (UPS, FedEx, or other carriers); report it within that same window, counted from the last tracking update. Late reporting may make the loss uninsurable, and failure to report within these windows waives any claim against us.

20.4 Claims. When products are lost or damaged in transit to you, it is our responsibility to pursue the insurance claim. We decide whether and when to file, and once the matter is resolved we will, at our discretion, reship your products or refund your payment, which fully discharges our responsibility for the shipment. You agree to cooperate with the investigation and claim, including filing reports or police reports, signing an affidavit, and providing requested information; failure to cooperate voids coverage and any claim against us. Our responsibility for a package ends once it is delivered.

20.5 Addresses and delivery times. You are responsible for providing an accurate shipping address before labels are created. If a shipment is returned because of an incorrect or undeliverable address you provided, or refused, you will pay repackaging, insurance, and reshipping at current carrier rates plus a $25 minimum repackaging charge before we reship, and losses caused by address or contact information you supplied are not claimable. Delivery times are estimates, not guarantees, and in-stock orders generally leave our facility within 1 to 3 business days after payment clears; carrier delays, weather, and holidays are outside our control.

20.6 Withheld shipments. We may withhold shipment of any order while you have outstanding balances, unresolved verification, or unpaid amounts under these terms, as "Right to withhold and offset" provides. Shipment resumes when the obligations are satisfied.

20.7 Store pickup. Orders designated for pickup are governed by "Storage and unretrieved purchases" below.

20.8 Shipping rates and options. Standard shipping is free on orders of $499 or more, except for certain promotional items and starter packs identified on their product pages. Below that, standard shipping is $24.95 for orders up to $150 and $19.95 for orders from $151 to $499. Where offered, expedited options are Priority Mail at $19.95 (estimated 3 to 5 business days) and Express at $45.95 (estimated 1 to 2 business days). Products designated as Discounted Shipping Products ship free on orders of $199 or more when the entire order consists of them; a cart mixing them with other products takes the highest applicable rate. Every shipment includes tracking and ships in discreet packaging with no indication of the contents. Rates and thresholds may change, and the shipping price shown at checkout is the one that applies to your order.

20.9 Subscription orders. Subscription orders ship on the schedule selected in your account settings and follow this section like any other order, including applicable shipping fees unless your subscription agreement states otherwise.

20.10 United States only. We ship only within the United States and do not currently offer international shipping.

21. Selling to us: buyback and mail-in

We buy bullion, coins, jewelry, diamonds, watches, and other qualified items, whether or not you bought them from us. We are not obligated to purchase any item and may decline for any reason. To sell to us: contact us at [email protected] or (503) 400-5608, visit us at 1855 Hawthorne Ave NE, Salem, OR 97301, or use the mail-in service. Preliminary quotes are estimates; final pricing follows receipt and testing, as "How we price the items we buy" and "Testing and your responsibilities when selling to us" describe. Once you accept our offer, by recorded call, email, text, e-signature, or in person, the sale is final and binding, and payment is issued by the method and timeline our staff confirm, which may include the payment options and fees stated in the Mail-in Policy.

21.1 Every shipment to us follows the Mail-in Policy. Our Mail-in Policy is part of these terms and governs every shipment of items to us: the request form, labels, packaging, insurance and its limits, intake verification, offers and holding periods, testing, payment, returns, and claims. By shipping items to us, with or without notice to us, you agree to the Mail-in Policy. Coverage exists only when you follow its process and use our labels; if you ship outside it, you bear all risk of loss until the items are in our staff's possession, and we may reject or return the shipment 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).

21.2 Payout conditions. To sell to us you must be at least 18 years old. Before we pay for items you sell us through the mail-in service, you must sign the offer electronically and, where the law that applies to your sale requires it, sign the ownership declaration and complete identity verification with a valid government-issued photo ID, as "Identity verification and fraud prevention" and the Mail-in Policy provide. Where verification is required, no verified ID means no payment, and payment is made only to the person named on the verified ID. For other ways of selling to us, we may withhold payment until requested documentation and identity verification are complete.

22. How we price the items we buy

We buy items at our sole discretion and are not obligated to purchase any item; we may decline for any reason without explanation. Pricing is calculated at our sole discretion based on, among other things, current spot prices for the relevant metal and the percentage of spot we pay, the weight and purity we measure, stone quality, item condition, authenticity and marketability, market demand, and our inventory needs. A quote given before we have the items in hand is an estimate only and is not binding on either party. Pricing is not guaranteed until we have received and tested the items and you have accepted the resulting offer. A purchase offer reflects what we will pay today; it is not an insurance, estate, or replacement appraisal and should not be used as one. All payments are made in U.S. dollars.

23. Testing and your responsibilities when selling to us

We reserve the right to inspect, test, or assay any item you sell or deliver to us to verify authenticity, condition, purity, and weight, at our sole discretion and without further consent. By accepting these terms and by delivering or shipping items to us, you expressly authorize every test and procedure we consider necessary, whether non-destructive (for example X-ray fluorescence or magnetic testing) or destructive, including scratching, acid testing, cutting, drilling, disassembly, fire assay, smelting, and melting; testing may mark or alter items, and declined items are returned in their tested condition. The Mail-in Policy's "Testing and analyzing" section applies to mailed items. If authenticity or purity is disputed, you are responsible for assay costs unless the dispute is resolved in your favor. Our test results are final and binding for purposes of our offer and valuation; they are not a certification of authenticity to you, and they never waive, diminish, or discharge your warranties under these terms, including under "Counterfeit and misrepresented items."

You are responsible for ensuring that items are authentic, accurately described, and legally yours to sell. You warrant that all items you sell us are owned by you or that you are authorized by the owner to sell them, that they are free of liens, claims, and encumbrances, and that they are not the proceeds of crime. When you sell to us through the mail-in service and the law that applies to your sale requires it, you confirm this in a signed declaration of ownership, as the Mail-in Policy describes. The declaration is your own statement of ownership and authority; we rely on it and on the information you provide, and we do not independently verify ownership. Any quote or estimate based on your description is void if the items materially differ from that description. If items you sold us are later subjected to liens, claims, or disputes, the costs we reasonably incur to protect ourselves are your responsibility, recoverable as these terms provide.

24. Counterfeit and misrepresented items

Every item you sell us must be genuine. You expressly warrant, as a basis of our bargain, that each item is authentic and is exactly what it is represented to be: genuine gold, silver, platinum, palladium, or other precious metal of the purity indicated by its markings or your description; a genuine coin, bar, or round of the issuer, series, and specifications it purports to be; a genuine diamond or gemstone as described; and a genuine article of any brand or maker's mark it bears. You further warrant that no item is counterfeit, plated or filled material represented as solid, altered, re-stamped, re-marked, or otherwise misrepresented in any way.

This warranty survives our inspection, testing, acceptance, payment, and the closing of the transaction, and is not waived, diminished, or discharged by any of them. Our testing is performed for our own pricing purposes; it is not a certification of authenticity to you, and the fact that an item passed our testing never relieves you of this warranty.

If an item is determined to be counterfeit or misrepresented, whether by us, a refiner, a mint, a grading or assay service, or law enforcement, you must refund on demand the full amount we paid for that item, plus our testing and shipping costs. We may offset that amount against any payment we owe you, charge any card on file where you have authorized charges under these terms, or invoice you, with payment due within ten business days. This obligation applies whether or not you knew the item was counterfeit; however, our recovery from a seller who did not know is limited to making us whole (the amount we paid plus the costs described above), we do not seek other damages from innocent sellers, and any claim is subject to "Time limit for claims" in "General provisions." If you knowingly sold us counterfeit or misrepresented items, we will additionally pursue all available civil and criminal remedies; making or passing counterfeit coins or bars is a federal crime, and we report it to law enforcement. Our claims under this section are pursued through "Dispute resolution and governing law," including its arbitration process and mutual exceptions.

25. Our authenticity guarantee on items we sell

We guarantee that every product we sell is genuine and contains the weight, fineness, and purity of its industry-recognized designation (for example .999 fine gold or .9999 fine silver), as determined by accepted industry standards. This guarantee applies to every product we sell, however it ships to you, including products shipped directly from our suppliers and mints, and it covers the product itself rather than typographical errors in a website description, which are handled under "Products, pricing, and availability."

If you believe a product does not meet its stated specifications, contact us at [email protected] or (503) 400-5608 within 10 business days of receipt and do not break any tamper-evident seal, assay card, or packaging; a broken seal prevents verification and voids this guarantee for that product. We will investigate using our records and, where the product shipped from a supplier or mint, that supplier's or mint's evidence, such as certificates, assay results, and packing documentation, and our determination may rely on that evidence. If the product fails to meet its stated specifications, we will replace it or refund its purchase price, at our discretion, and we will pursue our own recovery from the supplier. If you disagree with our determination, the disagreement is resolved under "Dispute resolution and governing law."

26. Storage and unretrieved purchases

We are a trading business with a small facility, not a storage vault, and we do not offer storage services except under a separate signed agreement whose rates and terms govern. Our insurance coverage and handling costs scale with the inventory in our possession, so customer property that sits with us raises the coverage we must carry and the costs we incur. For that reason, paid-for products, including in-store purchases, orders awaiting the check-clearing hold, and backordered products we purchased for you, must be picked up or shipped promptly once we notify you they are ready.

26.1 Pickup notices. When your products are ready, we notify you by email, and may also call or text; our systems retain each notice with its timestamp, and those records are conclusive evidence of notification. Products not retrieved within 7 business days of the first ready-for-pickup notice begin to accrue a storage fee.

26.2 Storage fee. The storage fee is 0.25% of the products' purchase value per day, with a minimum of $2 per day, reflecting the added insurance and handling costs described above. We may invoice the fee or deduct it as this section and "Right to withhold and offset" provide. We would much rather hand you your products than charge this fee; if you anticipate a delay, tell us and we will work with you.

26.3 After 30 business days. If products remain unretrieved 30 business days after the first ready-for-pickup notice, we reserve the right, exercised at our discretion and not automatically, to send a written held-items notice and then liquidate the products at the price determined under "How we price the items we buy" as of the date we process them. From the proceeds we deduct accrued storage fees, liquidation and administrative costs, and any other amounts you owe us, and we record the remaining balance for you. We will pay the recorded balance to you, the verified customer, upon contact and identity verification, by check to the address on file or another method we confirm, and you agree to accept the recorded balance as full and final payment for the liquidated products. A 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.

26.4 Death and disputes. If a customer dies, or ownership of products or funds in our possession is disputed, the "Death of a client" and "Disputed items" sections of the Mail-in Policy apply to those products and funds, and the timelines in this section are suspended as those sections provide.

27. Right to withhold and offset

If you owe us any amount under these terms (for example a market-loss invoice, a storage fee, a reshipping fee, or disputed-item testing costs), we may withhold shipment of your orders, withhold payment for your items, and withhold return of items in our possession until the amount is paid, and we may offset the amount you owe against any payment we owe you. If an invoiced amount remains unpaid 30 calendar days after we send the invoice, we may sell enough of your items or products in our possession to cover it, apply the proceeds to the amount owed, and pay or return the remainder to you.

27.1 Possessory lien. You grant us a possessory lien on all items, products, and proceeds in our physical possession, securing every amount you owe us under these terms, including invoiced legal, administrative, testing, shipping, and storage-related costs. We may retain them until the lien is satisfied and may enforce it by liquidation as these terms provide. This lien applies only to property physically in our possession; it never extends to property held by depositories, custodians, or retirement accounts. It is in addition to, and does not limit, any lien or remedy available to us under applicable law.

28. Correction of errors and recovery of overpayments

If a payment to you resulted from an obvious clerical or calculation error (for example a misplaced decimal, a wrong weight unit, or a transposed figure), we may correct the error, and you agree to promptly return any overpayment. We may offset an overpayment against any other amount owed to you.

29. Our rights and discretions

We reserve the absolute right to cancel any transaction or offer at our sole discretion, with or without cause, at any stage before fulfillment, including for pricing or system errors, stock unavailability, suspected fraud or misrepresentation, failed verification or compliance screening, payment not received in time, market instability, or orders presenting significant risk. Upon cancellation we will notify you and proceed under "Returns, refunds, and cancellations": payments refunded in full where the cancellation is not your fault, and the "Market Loss Policy" applied where it is. You waive any claim for damages or lost profits resulting from such cancellation beyond the refund that section provides.

We also reserve the unequivocal right to refuse service, decline any transaction, or prohibit engagement with any individual or entity for any reason or no reason, without disclosing the rationale and without liability, including by the account-closure and blocking measures in "Accounts and account security." Reasons may include, without limitation: suspected fraud or misrepresentation; chargeback, payment-reversal, or clawback activity; exploitation of pricing errors or technical malfunctions; failure to provide requested identity verification; use of anonymization tools or other methods to evade our controls; abusive, threatening, or harassing conduct toward our personnel; a pattern of abusive disputes, complaints, or claims; or compliance with law, regulation, court order, or governmental request. This list never limits our right to refuse service for any other reason. Beyond these specific rights, we retain broad discretion to correct errors in transactions, pricing, or documentation, withhold payment or shipment pending investigation, and suspend service during disputes or compliance reviews, provided such actions comply with applicable law.

30. Regulatory compliance

State and federal law require precious-metal dealers to record transactions and verify identity. We maintain a written Anti-Money Laundering (AML) program under the USA PATRIOT Act and the Bank Secrecy Act, keep the records the law requires, report where the law requires, and cooperate with law-enforcement requests concerning items suspected to be stolen. Items we are required to hold, or that are seized by or surrendered to law enforcement, will not be paid for or returned unless and until we are legally free to do so, and our payment obligation abates for any item taken from our custody by legal authority. We comply with subpoenas, court orders, warrants, and law-enforcement directives concerning items or records in our custody, and may freeze, hold, or surrender items as they require, without notice to you where the law requires or permits. You waive any claim against us, and hold us harmless, for good-faith compliance with any such order or directive.

30.1 Legal holding periods. Items we buy are held unaltered for any period the law requires before we melt, refine, or otherwise process them, including any longer hold that law enforcement orders. During a legal hold the sale remains final and binding; the hold only delays when we may process the items. Records of the sale, including the seller's identity records, are kept and made available to law enforcement as the law requires, and items reasonably believed to be stolen may be reported to and surrendered to law enforcement, as this section provides.

By transacting with us you warrant that you are not engaged in money laundering or other illegal activity, that your funds and items are from legitimate sources, and that you will provide any documentation we request to verify compliance. You also warrant that you are not on the Office of Foreign Assets Control (OFAC) sanctions lists. Failure to comply may result in cancellation and reporting to the relevant authorities.

Certain sales of bullion and coins must be reported by dealers under federal rules; where that applies we will tell you and complete the required forms, which may require taxpayer identification and other documentation. If we determine that a transaction requires tax reporting or a taxpayer form (for example an IRS Form W-9), you agree to complete and return the form promptly upon our request; this is a binding obligation under these terms, enforceable like any other. Until we receive the completed form we may withhold payment, and we may withhold from any payment the amounts tax law requires. Refusal to provide a requested form may also result in cancellation of the transaction or return of your items at your expense. Where the law requires us to collect sales tax on products we sell, it is shown at checkout. This is general information, not tax advice.

31. Cash transactions and IRS Form 8300

We respect your privacy and do not disclose your transactions to the government unless the law requires it. Federal law requires us to report certain cash payments on IRS Form 8300. The requirement applies to cash payments we receive exceeding $10,000, and to related cash transactions that together exceed that amount within a 24-hour period. Filing is mandatory; failure to file exposes us to fines and criminal penalties, so there are no exceptions.

• What the form includes. Form 8300 requires your identifying information, such as your name, address, identification number, and taxpayer identification number. The filing is confidential between us and the IRS. Even if you decline to provide some information, we must still file with what we have, and we may decline the transaction instead.
• What counts as cash. U.S. and foreign currency and, in some circumstances, cashier's checks, bank drafts, traveler's checks, and money orders of $10,000 or less, where the rules treat them as cash in a covered transaction. Personal checks, wire transfers, card payments, and ACH transfers are not cash for this purpose, regardless of amount.
• Related transactions. Cash payments are related when they occur within 24 hours or are otherwise connected, and their total controls whether reporting applies.
• Structuring is a crime. Breaking payments apart to avoid reporting ("structuring") is a federal crime for everyone involved. We do not participate in it, we will not advise you around the reporting rules, and we report suspected structuring to the authorities.

This is a general guide, not tax advice; for guidance on your situation, consult a tax professional or IRS.gov.

32. Market volatility, no investment advice, and taxes

Precious-metal and gem prices fluctuate, sometimes rapidly, based on economic conditions, geopolitical events, and supply and demand. Investing in precious metals involves risk, including the risk of losing value; we do not guarantee future performance or profitability. Offers and prices are made against the prevailing market and may expire quickly. During periods of heightened market activity you may experience delays reaching us or temporary product unavailability; we are not liable for inconvenience, losses, or missed opportunities resulting from volatility or communication delays.

We do not provide investment, financial, tax, or legal advice. Spot prices, market commentary, product details, and conversations with our staff, including casual conversation, are informational only and never a recommendation or a guarantee. You are solely responsible for your decisions to buy and sell. All tax liabilities arising from your transactions, including income and capital-gains taxes, are your responsibility; consult your CPA or attorney.

33. Government recall of precious metals

While there are currently no United States federal restrictions on private ownership of gold or other precious metals, historical precedents (for example Executive Order 6102 in 1933) show that government recalls or confiscation policies could occur. We have no control over such actions and are not liable for any losses, damages, or legal consequences you may face from government intervention before, during, or after a transaction.

34. Precious metals IRAs

We may provide general guidance on adding precious metals to a self-directed Individual Retirement Account (IRA), including information about trustees, custodians, and depositories. Our role is limited: we supply IRA-eligible products meeting IRS purity standards and process transactions on the instructions of the custodian you choose. We are not a custodian, administrator, or depository, we never hold or control IRA assets, and you are responsible for selecting, contracting with, and monitoring your custodian and depository. We are not liable for their performance, fees, errors, or financial condition, for investment outcomes, or for regulatory changes affecting your IRA, and you hold us harmless from issues arising from your dealings with them.

Statements by our representatives about markets, product performance, or regulatory expectations are opinions, not guarantees, and may not be relied on as the basis for investment decisions. IRA transfers commonly take 60 days or more, driven by custodian processing, shipping, and verification; we provide updates for the steps we control, and once products are with your custodian or depository, communication with them is your responsibility. IRA investments carry tax implications (contribution limits, distribution rules, prohibited transactions); consult a qualified tax professional. Our IRA-related guidance and processes may change as regulations and business needs evolve, and your continued use of these services constitutes acceptance of those changes.

35. Intellectual property

All content on this website, including text, graphics, logos, images, product descriptions, software, and design, is the exclusive property of Accurate Precious Metals Refineries, Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual-property laws. Accurate Precious Metals, Accurate PMR, APMR, and the winged-diamond mark are trademarks of Accurate Precious Metals Refineries, Inc. You may view and print pages for your personal use in transacting with us; you may not otherwise copy, reproduce, distribute, modify, or create derivative works from this content without our prior written consent. If you believe content on this website infringes your rights, contact us at [email protected] with details.

36. Feedback, testimonials, reviews, and contributions

If you submit feedback, a testimonial, a review, or other content to us or this website (together, "contributions"), you grant Accurate Precious Metals Refineries, Inc. a non-exclusive, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, edit for length (without changing its meaning), publish, and distribute that content for any lawful purpose, including marketing, without compensation to you. We may decline to publish, or may remove, any contribution at our discretion. Nothing in these terms restricts your right to post honest reviews of us anywhere.

36.1 Testimonials. Testimonials on this website reflect the real experiences and opinions of the individual customers who gave them. Those experiences are personal to them, are not necessarily representative of every customer, and are their views rather than ours; your individual results may vary. We review testimonials before posting and may edit them for brevity and clarity, for example removing pauses in a recording or shortening a message for radio, television, social media, or online ads, without changing their meaning. Where we offer a coupon, discount, or other thanks for the time it takes to leave a review or testimonial, the incentive is never conditioned on the review being positive or expressing any particular sentiment, and material connections are disclosed where the law requires.

36.2 Your contributions. For every contribution you submit, you warrant that you created it or hold the rights needed to grant the license above; that it is truthful and complies with applicable law; that it does not infringe any third party's intellectual-property, publicity, or privacy rights; and that every identifiable person in it has consented to its use. You agree not to submit any contribution that is unlawful, fraudulent, defamatory, obscene, hateful, threatening, harassing, or bullying; false or misleading; exploitative of minors in any way; promoting violence or terrorism; discriminatory; deceptive about your identity or affiliation; or unsolicited advertising, spam, or solicitation of any kind.

36.3 Reviews and ratings. When your contribution is a review or rating, you also agree that you have firsthand experience with what you are reviewing, that the review is true to your experience, that you will disclose any affiliation with us or with a competitor, that you will not post legal conclusions or false or misleading statements, and that you will not organize campaigns encouraging others to post reviews, positive or negative.

36.4 Moderation, reporting, and consequences. We may, but are not obligated to, monitor or moderate contributions, and we are not responsible for content created by users. To report a contribution you believe breaks these rules, or content you believe was removed by mistake, contact us at [email protected] or (503) 400-5608; we will reasonably determine whether a breach occurred, and reported content may stay down while we review. Depending on severity and history, consequences for breaching this section range from a warning or removal of the contribution to suspension or closure of your account, and we may notify law enforcement where we believe there is a genuine risk to a person or to public safety. We exclude our liability for actions we take in good faith in response to a breach and for any user's breach of this section.

37. Acceptable use and prohibited activities

You agree not to engage in any activity that could harm, disrupt, or interfere with this website, our services, or other users, including:

• attempting to gain unauthorized access to our systems, servers, accounts, or other customers' orders;
• transmitting viruses, malware, or other harmful code;
• fraudulent behavior, such as misrepresenting your identity, payment authority, ownership of items, or their description;
• using automated tools (bots, scrapers) to access, submit to, or extract data from this website without permission (public search engines may index this website in accordance with our robots.txt file);
• using any content of this website to develop, train, or improve any artificial-intelligence, machine-learning, or large-language-model system;
• interfering with the functionality of the website (for example denial-of-service attacks) or placing an undue burden on it;
• systematically retrieving data or content to create or compile a collection, database, or directory without our written permission;
• collecting usernames or email addresses, or creating accounts, by automated means or under false pretenses;
• circumventing, disabling, or interfering with security features of the website, or bypassing measures that restrict access;
• unauthorized framing of, or linking into, the website;
• impersonating another person or account, or using another customer's username;
• using information obtained from the website to harass, abuse, or harm anyone, or harassing, intimidating, or threatening our employees and agents;
• deciphering, decompiling, disassembling, or reverse engineering any software making up the website, except as applicable law expressly permits, or copying its code;
• uploading or transmitting any passive or active information-collection mechanism (for example web bugs, tracking pixels, or spyware);
• removing copyright or proprietary notices, or using the website or its content to compete with us or for any unauthorized commercial purpose;
• selling or transferring your account or profile, or using a buying or purchasing agent to transact on the website.

Any violation may result in immediate cancellation of transactions, account closure, refusal of service, and legal action to recover damages and fees.

38. Third-party links

This website may link to third-party websites or services (for example shipping carriers or payment providers) for your convenience. We do not control, endorse, or assume responsibility for their content, privacy practices, or availability. This includes websites and features linked in banners or other advertising, which we do not investigate, monitor, or verify for accuracy or reliability. Your use of such links is at your own risk; we are not a party to, and do not monitor, any transaction between you and a third-party provider of products or services, and we are not liable for damages, losses, or disputes arising from your dealings with third parties. Review the terms and policies of any third-party site you visit.

39. Disclaimer of warranties

This website, our services, and all related content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, except the express guarantee in "Our authenticity guarantee on items we sell." We disclaim all other warranties, including merchantability, fitness for a particular purpose, accuracy, completeness, reliability, and non-infringement. We do not guarantee that the website will be uninterrupted, error-free, or secure. Information on this website, including articles, guides, and blog content, is general information provided in good faith; we make no representation or warranty as to its accuracy, adequacy, validity, reliability, or completeness, it is never investment, legal, or tax advice, and your reliance on it is solely at your own risk. Prices, spot references, and examples on this website are illustrative and may be out of date; nothing on this website is an offer to buy or sell a specific item at a specific price until a transaction is confirmed. Spot prices, charts, and market data displayed on this website are supplied in part by third parties; we do not guarantee their accuracy, completeness, or timeliness, and we are not liable to you or anyone else for reliance on them. Your use of the website is at your sole risk.

40. Limitation of liability

To the maximum extent permitted by law, Accurate Precious Metals Refineries, Inc., its affiliates, officers, directors, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to this website, our services, or your transactions, including loss of profits, data, goodwill, sentimental or collectible value not reflected in metal, stone, or resale content, or other intangible losses, even if we have been advised of the possibility of such damages. Our total liability for any claim is limited to the amount you paid us for the transaction giving rise to the claim or, for items you sold or shipped to us, the amount we offered or paid for them; for items in our custody for which no offer has been made, and for shipments, our total liability is limited as the Mail-in Policy and "Shipping to you" provide, including applicable insured values. This limitation applies regardless of the legal theory and survives termination of these terms. Nothing here limits liability that cannot be limited by law.

41. Indemnification

You agree to indemnify, defend, and hold harmless Accurate Precious Metals Refineries, Inc., its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorney fees and court costs) arising from your use of this website or our services, your violation of these terms, your infringement of any third-party right, any misrepresentation about items you sell us, any claim by a third party to items you sold us or products we delivered at your direction, your shipment of any prohibited or hazardous item, or any fraudulent or negligent act attributable to you or your account. Where you owe us indemnification, we may, at our option and your expense, assume and control the defense and settlement of the claim, and you may not settle, compromise, or otherwise resolve any such claim without our prior written consent. This obligation survives the completion of any transaction and the termination of these terms.

42. Attorney fees

Each party pays its own attorney fees and costs, except where a statute or the arbitration rules require otherwise, where the arbitrator finds a claim or defense was frivolous or brought for an improper purpose, or as the "Market Loss Policy" provides for the costs of collecting amounts owed. Payment of an amount we owe, made before a final award, does not make either party a prevailing party.

43. Fees

Fees under these terms are disclosed before they are charged and are non-refundable unless we determine otherwise (for example where the fee resulted from our error). They include:

• Shipping and handling, calculated and shown at checkout or in your transaction documentation, based on weight, distance, carrier rates, and insurance.
• Market Loss amounts and cancellation fees under the "Market Loss Policy" (the greater of $50 or 5% of the order total, plus market loss and collection costs).
• Non-sufficient funds (NSF). A returned check or failed ACH payment carries a fee of $50 or 0.5% of the transaction total, whichever is higher, due within five business days of our notice.
• Late interest. Amounts unpaid after their due date accrue interest at 1.5% per month (18% per year) or the maximum rate applicable law allows, whichever is less.
• Storage fees under "Storage and unretrieved purchases" (0.25% of purchase value per day, $2 per day minimum, after the stated grace period).
• Reshipping for returned or undeliverable shipments caused by your address information: current carrier rates plus a $25 minimum repackaging charge.
• Administrative fees where these terms state them, for example testing of disputed items, and premium payout methods under the Mail-in Policy.

44. Privacy and data protection

Your personal information is collected, used, shared, and protected as described in our Privacy Policy, which is part of these terms. We collect data to process your transactions, comply with legal obligations such as AML and recordkeeping, and provide customer service. When you sell to us through the mail-in service, this includes the identity records that dealer record-keeping laws require, as the Privacy Policy describes. We do not sell your personal information for money. We share it with service providers (for example carriers, insurers, payment providers, and identity-verification providers) and, like most websites, with advertising partners, which some state laws treat as a "sale" or "sharing" of personal information; the Privacy Policy describes this and how to opt out, including through the Your Privacy Choices link in the footer of this website. We use reasonable safeguards, but no system is completely secure; we are not liable for breaches caused by force-majeure events or third-party actions beyond our control, provided we have acted with reasonable care.

45. Severability

If any provision of these terms is found invalid, illegal, or unenforceable by a court or arbitrator, the remaining provisions remain in full force and effect. The invalid provision will be modified or severed to the minimum extent necessary to reflect its original intent and comply with applicable law.

46. Dispute resolution and governing law

This section applies to every customer nationwide, regardless of your state of residence, and to every dispute connected to us, this website, the Mail-in Policy, or any transaction.

46.1 Required informal resolution first. Before starting arbitration or any court proceeding, you must send us a written, individually signed Notice of Dispute (by email to [email protected] or by certified mail to the notice address in "General provisions") that includes your name, contact information, order number, a description of the dispute, and the specific relief you seek. We will send you the same kind of notice for any dispute we raise against you. For 60 days after a notice is received, both parties will attempt in good faith to resolve the dispute directly, including by phone or videoconference on request, and neither party may begin arbitration or litigation before that period ends. Deadlines to bring a claim, including the one-year time limit for claims, are paused from the day either party receives a Notice of Dispute until the informal-resolution period ends. A notice submitted on behalf of multiple persons, or a substantially identical form notice submitted in bulk, does not satisfy this section; each person must complete it individually. Compliance with this section is a condition precedent to arbitration or suit, and a court or arbitrator may dismiss or stay a proceeding begun without it.

46.2 Mandatory individual arbitration. Any dispute, claim, or controversy arising from or related to these terms, the Mail-in Policy, or any transaction with us, including their interpretation, breach, termination, or validity, must be resolved through mandatory binding individual arbitration, not in court. You waive your right to participate in class actions, class arbitrations, or representative actions against Accurate Precious Metals Refineries, Inc., its affiliates, officers, directors, employees, or agents, and agree that all disputes will be resolved solely on an individual basis. Arbitration will be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.), conducted in Salem, Oregon, or, if the applicable consumer arbitration rules require, in the county of your residence or by written or remote proceedings, by a single arbitrator under the rules and consumer standards of the American Arbitration Association (AAA) or JAMS at our discretion. The arbitrator has exclusive authority to resolve all procedural and substantive issues concerning any dispute, including the scope, validity, and enforceability of this arbitration agreement, except that only a court may decide the enforceability of the class-action waiver. The arbitrator's decision is final and binding, subject only to the limited review the Act permits, and the arbitrator may not consolidate claims or award punitive damages beyond what the law permits.

46.3 Arbitration fees. If you initiate arbitration, you pay only your consumer filing fee, up to $250; we pay all remaining filing, case-management, and arbitrator fees, as the AAA or JAMS consumer standards provide. If we initiate arbitration, we pay all arbitration fees. Fees and costs may be reallocated only as this section and the applicable rules allow.

46.4 Frivolous claims. To the extent the applicable rules and law permit, if the arbitrator determines that a claim was not warranted by existing law or by a nonfrivolous argument, or was filed for an improper purpose such as harassment, delay, or driving up costs, the claimant must pay the defending party's resulting costs and fees, including arbitration fees, attorney fees, and expert fees. This paragraph does not apply to residents of California or of any state whose consumer-arbitration standards prohibit it.

46.5 Offers of settlement. Either party may make a written settlement offer at any time. If the final arbitration award is less favorable to the party that rejected the offer than the offer itself, the rejecting party must pay all arbitration costs and fees the offering party incurred after the offer was made, to the extent the applicable rules and law permit. This paragraph does not apply to residents of California or of any state whose consumer-arbitration standards prohibit it.

46.6 Confidentiality. The arbitrator and the parties will keep the arbitration proceedings, submissions, and award confidential, except as needed to prepare for and conduct the arbitration, to enforce or challenge the award in court, or as the law requires. The arbitrator may issue orders to protect confidentiality.

46.7 Individual relief only. The arbitrator may award relief only in favor of the individual party seeking relief, and only to the extent necessary to resolve that party's individual claim. If the law of any state nonetheless requires that a claim for public injunctive relief remain available, that claim, and only that claim, is severed and stayed in court until all arbitrable claims between the parties have been resolved in individual arbitration; it does not defeat or replace individual arbitration of everything else, and it never permits a class, consolidated, or representative proceeding.

46.8 Coordinated filings. If 25 or more arbitration demands raising similar claims are filed against us by or with the assistance of the same or coordinated counsel or organizations, the parties agree the demands will proceed in stages: up to 10 selected by claimants' counsel and up to 10 selected by us proceed first, the remainder are stayed with their filing fees deferred and all deadlines tolled, and after those first cases conclude the parties will mediate the rest in good faith before any further demands proceed. No arbitrator has authority over a stayed demand until this process is complete. If that mediation does not resolve all remaining demands, the arbitration requirement in this section no longer applies to the remaining demands for which a compliant Notice of Dispute was received; those may proceed in court under "Governing law and venue," and any class sought may include only those claimants.

46.9 Arbitration opt-out. You may opt out of this arbitration agreement within 30 days of the date you first accept these terms, which is the first time you create an account, place an order, engage in a transaction with us, or otherwise use our services, whichever comes first. To opt out, email [email protected] within that 30-day window with your full name, mailing address, and a clear statement that you opt out of arbitration. An opt-out notice received after the window closes is not effective, and the window does not reopen for later transactions or disputes. Opting out does not affect any other part of these terms, which continue to apply in full, including the required informal-resolution step, the class-action waiver as applied in court where the law allows, the one-year limitation period, the governing law, and the Marion County, Oregon venue for court actions.

46.10 Exceptions to arbitration (mutual). Two kinds of disputes are excluded from mandatory arbitration, for both parties equally: (a) either party may bring an individual claim within the jurisdiction of small-claims court instead of arbitration; and (b) either party may seek injunctive or other equitable relief in court for intellectual-property infringement or misuse of this website. Every other claim, including claims we bring against you (for example to recover fees, market-loss amounts, outstanding balances, or payments made for counterfeit or misrepresented items), goes through the same required informal-resolution step and individual arbitration described in this section. This section also does not limit the collection remedies described in "Market Loss Policy: Collection of amounts owed." A party's pursuit of a permitted excepted action does not waive arbitration of any other dispute.

46.11 If the class waiver fails. If the class-action waiver above is found unenforceable as to a particular claim, that claim, and only that claim, proceeds in court rather than in arbitration; it does not proceed as a class, consolidated, or representative arbitration.

46.12 Governing law and venue. These terms are governed exclusively by the laws of the State of Oregon, without regard to conflict-of-law principles. For any matter not subject to arbitration, legal action must be brought in the state or federal courts located in Marion County, Oregon, and you irrevocably consent to their personal jurisdiction and venue and waive any objection of inconvenient forum, except that a small-claims action may be brought where the small-claims court's own rules place it. A court may enforce this section and may stay or dismiss any proceeding filed in breach of it. To the extent a dispute proceeds in court, both parties waive trial by jury to the fullest extent the law allows. Nothing in this section waives a non-waivable right given to you by a consumer-protection law in your state. Before starting any proceeding, please contact us; most problems are solved with a phone call.

47. General provisions

• Assignment. You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign ours to any affiliate, successor, or third party without your consent, provided it does not materially diminish your rights.
• Binding effect. These terms bind you, Accurate Precious Metals Refineries, Inc., and our respective heirs, successors, and permitted assigns, and remain enforceable regardless of changes in ownership or corporate structure.
• No agency. Nothing in these terms creates a partnership, joint venture, fiduciary, or agency relationship between you and us. We are a buyer and seller of goods, not your appraiser, adviser, or fiduciary.
• Time is of the essence for all obligations under these terms, including payment deadlines, pickup windows, response windows, and claim deadlines. Missing a timeframe may forfeit rights.
• Time limit for claims. You and we each agree that any claim arising out of or relating to these terms or any transaction must be brought within one year after the claim arises, or it is permanently barred. This limit applies equally to both of us and is paused during the informal-resolution period. If the law that applies to a claim does not allow a period this short, the claim must be brought within the shortest period that law allows.
• Notices. Formal legal notices, meaning a Notice of Dispute, an arbitration opt-out, a notice of legal representation, or other legal correspondence, must be in writing and delivered by certified mail, return receipt requested, to Accurate Precious Metals Refineries, Inc., Attn: Accounting, 1855 Hawthorne Ave NE, Salem, OR 97301, or by email to [email protected] with confirmation of receipt; they are effective upon receipt. All transactional and account notices we send you (confirmations, pickup and held-items notices, invoices, and claim communications) are delivered electronically as provided under "Electronic communications, e-signatures, and monitoring," and electronic delivery is sufficient for them.
• Further assurances. You agree to sign additional documents or take further actions we reasonably request to implement or enforce these terms, such as transaction confirmations or tax forms.
• Waiver. No waiver by us is effective unless stated in writing and signed by an authorized representative. Our failure to enforce a provision does not waive our right to enforce it later.
• Headings are for convenience only and do not affect interpretation.
• Survival. Indemnification, limitation of liability, attorney fees, dispute resolution, releases, the warranty in "Counterfeit and misrepresented items," and any accrued payment or repayment obligation survive the completion of any transaction and the termination of these terms.

48. Accessibility

We want everyone to be able to shop, sell, and read on this website, including people who use screen readers, keyboard navigation, magnification, or other assistive technology. We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 at Level AA across the public storefront, covering things like text alternatives for images, sufficient color contrast, full keyboard operability, clear headings and labels, and controls to pause moving content.

Accessibility is part of our development checklist, so new pages and changes are built against WCAG 2.1 AA from the start; automated accessibility audits run regularly against the site, automated checks run on code changes to catch regressions, and we fix confirmed barriers as a priority. Some parts of the site are provided by third parties, such as live chat, trust and review seals and displays, and embedded Google content like maps; we do not control the code those services deliver, and they may have accessibility limitations of their own.

We do our best to give you a website that works well for everyone, and we hold ourselves to that standard. At the same time, websites are technical and constantly changing, and nothing online works perfectly all the time, so a barrier may occasionally slip through despite our efforts. When one does, we want to hear about it, and we will fix it as quickly as we reasonably can.

If any part of this website or these terms is difficult to use with assistive technology, or a third-party feature blocks you, call us at (503) 400-5608 or email [email protected], tell us the page you were on and what went wrong, and we will fix the barrier or help you complete the same task another way, including by phone. We review this section periodically and update it as the site and the guidelines evolve.

49. Contact

Phone: (503) 400-5608 · Monday to Friday, 10:00 AM to 6:00 PM Pacific Time, excluding the holidays we observe (listed on our Google Business Profile).

General and sales: [email protected] · Customer service: [email protected] · Mail-in: [email protected] · Privacy: [email protected]

See also our Mail-in Policy and Privacy Policy.