Terms and Conditions

Effective Date: April 02, 2025

Last Updated: April 02, 2025

Welcome to Accurate Precious Metals

Thank you for choosing Accurate Precious Metals. We specialize in buying and selling precious metal bullion, coins, jewelry, diamonds, and other precious metal items. Our services are subject to availability and the terms outlined in this document. By engaging with us—whether through our website (https://accuratepmr.com/), phone (503-400-5608), email ([email protected]), or in person at 1855 Hawthorne Ave NE, Salem, OR 97301—you agree to be bound by these Terms and Conditions, which form a legally binding contract between you and Accurate Precious Metals.

Definitions

For clarity throughout this document, the following terms are defined as follows:

• “Accurate Precious Metals” (also “We,” “Us,” or “Our”) refers collectively to Accurate Precious Metals Refineries, Accurate Precious Metals, AccuratePMR, Accurate Precious Metals Refineries Coins, Jewelry, and Diamonds, and APMR, including all affiliates and subsidiaries operating under these names.
• “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, or trust.
• “Bullion” refers to precious metals in the form of bars, coins, ingots, or other items as specified in transactions with us.
• “Services” encompasses all offerings provided by Accurate Precious Metals, including but not limited to buying, selling, trading, refining, repairs, grading, and related customer support activities.

1. Introduction

1.1 Welcome to Accurate PMR

Accurate Precious Metals welcomes you to engage with our premier services for the purchase and sale of precious metal bullion, coins, jewelry, diamonds, and other related items. Our business is built on a foundation of trust, transparency, and expertise in the precious metals market. All services and products we offer are subject to availability, market conditions, and the terms detailed in this document. No additional guarantees, warranties, or promises are implied beyond those expressly stated herein. By choosing to transact with us, you acknowledge and agree to adhere to these Terms and Conditions in their entirety. For assistance, contact us at 503-400-5608 or [email protected], or visit https://accuratepmr.com/contact/.

1.2 Acceptance of Terms

These Terms and Conditions constitute the legal framework governing all interactions and transactions with Accurate Precious Metals. They apply to you whether you are selling items to us (“Seller”), purchasing items from us (“Purchaser”), or otherwise engaging with our services, including browsing our website, requesting quotes, or contacting us via phone, email, or in person. This agreement applies to you as an individual or as an authorized representative of an entity such as a corporation, LLC, partnership, or trust. By engaging with us in any capacity—such as offering to sell, completing a sale, making a purchase, or using our website (https://accuratepmr.com/), tools, or software—you expressly acknowledge and consent to be bound by these terms. This consent establishes a binding legal contract between you and Accurate Precious Metals, enforceable against you individually and, where applicable, any entity you represent. If you are acting on behalf of an entity, you warrant and represent that you have the full authority to bind that entity to these terms. This consent includes an irrevocable waiver of all class action rights, as detailed in Section 20 (Dispute Resolution and Governing Law), applicable to all engagements with Accurate Precious Metals.

If you do not agree to any provision within these Terms and Conditions, you are strictly prohibited from conducting any sales, purchases, or use of our services, website, properties, or software. You must immediately cease all such activities if you do not consent. Failure to comply with this prohibition may result in legal action to enforce our rights, as outlined in Section 15 (Attorney Fees) and Section 7 (Company Rights and Discretions). Furthermore, your continued engagement with us signifies your acceptance of the most current version of these terms, as detailed in Section 1.3 (Changes to Terms and Conditions).

1.3 Changes to Terms and Conditions

Accurate Precious Metals reserves the unilateral right to modify, amend, or update these Terms and Conditions at any time, with or without prior notice to you. Such changes may be made to reflect updates in our business practices, legal requirements, or market conditions. Modifications become effective immediately upon posting to our website (https://accuratepmr.com/) or upon direct notification to you via email (to the address in your account) or other means. Your continued use of our services, website, or any related offerings following the posting or notification of changes constitutes your full acceptance of the revised terms. It is your sole responsibility to regularly review these Terms and Conditions at https://accuratepmr.com/ to stay informed of any updates. Accurate Precious Metals is not obligated to provide individual notice of changes beyond posting them on our website, and your failure to review updates does not exempt you from compliance.

1.4 Time Calculation Protocol

For any deadlines, timeframes, or periods referenced within these Terms and Conditions (e.g., shipping deadlines, payment due dates), the following protocol applies: Unless stated otherwise, all references to “days” mean business days, calculated as the first business day following the date of the transaction or event triggering the timeframe. “Business days” exclude weekends, federal holidays observed in the United States, and days when the London Metals Market Fixing (a key benchmark for precious metals pricing) is closed. If the final day of a timeframe falls on a non-business day, the deadline automatically extends to the next operational business day. On occasion, we may refer to normal calendar days (including weekends and holidays), such as in our claims process under Section 6.1.6, and this will be explicitly noted where applicable. This protocol ensures clarity and fairness in all time-sensitive obligations.

1.5 Force Majeure Provision

Accurate Precious Metals shall not be held liable for any delay, failure, or inability to perform any obligation under these Terms and Conditions if such delay or failure results from events beyond our reasonable control. These events, collectively referred to as “force majeure,” include but are not limited to acts of God (e.g., earthquakes, floods, hurricanes), terrorism, war, political insurgence, banking system failures, civil unrest, labor strikes, pandemics, supply chain disruptions, governmental actions, or any other unforeseen circumstances that prevent performance. During such events, our obligations are suspended without penalty, and you may not make claims against us for non-performance. This force majeure provision does not constitute grounds for a refund, cancellation, or any form of relief from your obligations under these terms. We will resume performance as soon as reasonably practicable once the force majeure event ceases.

1.6 Comprehensive Agreement Declaration

These Terms and Conditions, together with our Privacy Policy (available at https://accuratepmr.com/privacy-policy/) and any applicable purchase orders, invoices, or transaction-specific documentation, represent the entire and final agreement between you and Accurate Precious Metals concerning all transactions involving the purchase, sale, or trade of precious metals and related services. This agreement supersedes and nullifies all prior or contemporaneous agreements, contracts, understandings, negotiations, or representations—whether verbal, written, or electronic—relating to the subject matter herein. No additional terms proposed by you (e.g., in purchase orders or correspondence) will be binding unless expressly agreed to in writing by an authorized representative of Accurate Precious Metals.

1.7 Modification of Terms Clause

By engaging with Accurate Precious Metals—whether through transactions, website use at https://accuratepmr.com/, or other interactions—you affirm your ongoing agreement to be bound by the most current version of these Terms and Conditions. We reserve the right to alter, modify, or completely revise our website, operational processes, and the terms governing the purchase and sale of bullion at any time, without prior notice. Such alterations may include changes to pricing structures, shipping protocols, or service offerings. Your continued use of our services or website after any modification signifies your acceptance of the updated terms, and you are legally bound by them as of their effective date.

2. Terms of Use

2.1 Website Access and Eligibility

Our website, https://accuratepmr.com/, is designed for use by individuals and entities who meet specific eligibility criteria. To access or use our website, you must be at least 18 years of age and legally capable of entering into a binding contract under applicable law. If you are accessing the website on behalf of an entity (e.g., a corporation, LLC, or partnership), you represent and warrant that you have the full legal authority to bind that entity to these Terms and Conditions. By accessing our website, you agree to waive any right to pursue class action lawsuits, class arbitrations, representative actions, or any lawsuits personally against Accurate Precious Metals, with all disputes to be resolved individually through arbitration as outlined in Section 20 (Dispute Resolution and Governing Law). Access to certain features or services may require account registration, as detailed in Section 2.2 (Account Creation and Security).

2.2 Account Creation and Security

To utilize certain features of our website or services—such as placing orders, tracking transactions, or participating in our buyback program—you must create an account by providing accurate, complete, and current information as requested during the registration process (e.g., name, email address, phone number). You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password, and for all activities that occur under your account. You agree to notify Accurate Precious Metals immediately at [email protected] or 503-400-5608 if you suspect any unauthorized use of your account or a breach of security. We reserve the right to suspend or terminate your account without notice if we detect or suspect fraudulent, unauthorized, or suspicious activity, as further detailed in Section 3.3 (Account Termination). Accurate Precious Metals is not liable for any losses or damages resulting from your failure to safeguard your account credentials or report breaches promptly. You agree to indemnify us for any costs or damages arising from unauthorized use, as detailed in Section 3.5 (Indemnification).

2.3 Electronic Communications

By using our website, services, or providing your contact information, you consent to receive communications from Accurate Precious Metals electronically. These communications may include transaction confirmations, account updates, promotional offers, or notices of changes to these Terms and Conditions, delivered via email, text message, or postings on our website. You agree that all electronic communications satisfy any legal requirement that such communications be in writing (e.g., under the Electronic Signatures in Global and National Commerce Act). It is your responsibility to ensure that your contact information (e.g., email address, phone number) remains accurate and up to date in your account settings. Accurate Precious Metals is not liable for any delays, losses, or damages resulting from your failure to receive electronic communications due to outdated or incorrect contact information.

2.4 Spot Alert Pricing Service

Accurate Precious Metals offers a spot alert pricing service, which provides periodic updates on precious metals spot prices via our website or optional notifications. These updates are intended for informational purposes only and do not constitute a locked price, binding offer, or investment advice. Spot prices are subject to change based on market conditions, and we are not obligated to honor a displayed price unless it has been confirmed in a finalized transaction. You acknowledge that reliance on spot alert information is at your own risk, and Accurate Precious Metals is not liable for any decisions, losses, or missed opportunities resulting from such reliance. If you opt in to receive spot alerts via text message or email, standard messaging or data rates may apply based on your carrier’s terms.

2.5 Mobile Message Service Terms

If you opt in to our mobile message service (e.g., for spot alerts, order updates, or promotions), your participation is governed by these Terms and Conditions and any additional Mobile Terms provided at sign-up. We reserve the right to modify, suspend, or terminate this service at any time without prior notice. You may opt out by following the instructions provided in the messages (e.g., replying “STOP”). You are responsible for all charges incurred through your mobile carrier for sending or receiving messages, including standard messaging rates. Accurate Precious Metals is not liable for delays in message delivery, undelivered messages, or any damages resulting from your use of this service.

2.6 User-Generated Content

You may have the opportunity to submit content to our website or services, such as product reviews, testimonials, or feedback (“User-Generated Content”). By submitting such content, you grant Accurate Precious Metals a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, and distribute this content for any purpose, including marketing and promotional activities, without compensation to you. You represent that your User-Generated Content is original, does not infringe on third-party rights, and is not defamatory or unlawful. We do not guarantee the confidentiality of such content and are not responsible for opinions expressed therein. We reserve the right to remove or edit User-Generated Content at our sole discretion without notice.

2.7 Intellectual Property

All content on our website—including but not limited to text, graphics, logos, images, product descriptions, software, and design elements—is the exclusive property of Accurate Precious Metals or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from this content without our prior written consent. Unauthorized use of our intellectual property may result in legal action, including claims for damages and injunctive relief. If you believe any content on our website infringes your intellectual property rights, please contact us at [email protected] with detailed evidence.

2.8 Prohibited Activities

You agree not to engage in any activities that could harm, disrupt, or interfere with our website, services, or other users. Prohibited activities include, but are not limited to:

• Attempting to gain unauthorized access to our systems, servers, or accounts (e.g., hacking);
• Transmitting viruses, malware, or other harmful code;
• Engaging in fraudulent behavior, such as misrepresenting your identity or submitting false information;
• Using automated tools (e.g., bots, scrapers) to access or extract data from our website without permission;
• Interfering with the functionality of our website or services (e.g., denial-of-service attacks).

Any violation of this provision may result in immediate account termination, transaction cancellation, and legal action to recover damages, as per Section 3.3 (Account Termination) and Section 15 (Attorney Fees).

2.9 Third-Party Links

Our website may contain links to third-party websites or services (e.g., payment processors, shipping carriers) for your convenience. Accurate Precious Metals does not control, endorse, or assume responsibility for the content, privacy practices, or availability of these third-party sites. Your use of such links and any interactions with third parties are at your own risk, and we are not liable for any damages, losses, or disputes arising from your engagement with them. We encourage you to review the terms and policies of any third-party sites you access via our website.

2.10 Disclaimer of Warranties

Our website, 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. Accurate Precious Metals disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, reliability, and non-infringement. We do not guarantee that our website will be uninterrupted, error-free, or secure, or that defects will be corrected. Your use of our website and services is at your sole risk, and no class action claims may arise from reliance on our offerings, with disputes limited to individual arbitration as per Section 20 (Dispute Resolution and Governing Law).

2.11 Limitation of Liability

To the maximum extent permitted by applicable law, Accurate Precious Metals, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services. This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages. Our total liability to you for any claim under these Terms and Conditions shall not exceed the amount you paid us for the specific transaction giving rise to the claim, if any. This limitation applies regardless of the legal theory (e.g., contract, tort, negligence) and survives the termination of these terms.

3. Account Registration and Use

3.1 Eligibility

To register for an account with Accurate Precious Metals, you must meet the following criteria:

• Be at least 18 years of age;
• Be legally capable of entering into a binding contract under applicable law;
• If acting on behalf of an entity (e.g., corporation, LLC, partnership), have full authority to bind that entity to these Terms and Conditions;
• Comply with all applicable Anti-Money Laundering (AML) guidelines, including those under the USA Patriot Act and the Bank Secrecy Act, ensuring that you maintain a written AML program if required by law;
• Not be listed on the Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List or any other U.S. sanctions list.

If you do not meet these requirements, you are prohibited from registering for an account or using our services. We reserve the right to request proof of eligibility (e.g., identification, authorization documents, AML compliance certification) at any time, and failure to provide such proof may result in account suspension or termination under Section 3.3 (Account Termination).

3.2 Account Security and Responsibility

Upon registering, you will create an account with a unique username and password. You are solely responsible for:

• Providing accurate, complete, and current information during registration;
• Maintaining the confidentiality of your account credentials, including your username and password, and for all activities that occur under your account;
• Monitoring and securing all activities conducted under your account, whether authorized by you or not;
• Immediately notifying us at [email protected] or 503-400-5608 of any unauthorized use, security breach, or suspected compromise of your account.

Accurate Precious Metals is not liable for any losses, damages, or unauthorized transactions resulting from your failure to protect your account credentials or report breaches promptly. You agree to indemnify us for any costs or damages arising from unauthorized use, as detailed in Section 3.5 (Indemnification).

3.2.1 Fraud Prevention and Prosecution Rights

We actively monitor accounts and transactions for potential fraudulent activity. If we suspect fraud—including but not limited to identity theft, payment fraud, or misrepresentation—we reserve the right to:

• Investigate the matter, including requesting additional documentation from you;
• Suspend or terminate your account under Section 3.3 (Account Termination);
• Pursue legal action, including criminal prosecution, to the fullest extent of the law;
• Recover damages, costs, and attorney fees as per Section 15 (Attorney Fees).

You agree to fully cooperate with any fraud investigations and waive any claims against us for actions taken to prevent or address fraudulent activity.

3.2.2 Discretionary Customer Identity Verification Policy

To ensure compliance with legal requirements and protect against fraud, Accurate Precious Metals may, at our sole discretion, require you to provide identification or additional documentation (e.g., government-issued ID, proof of address, corporate authorization) at any time. This may occur during account registration, prior to processing transactions, or as part of ongoing account maintenance. You will receive a timeframe for submitting the requested information from our staff at AccuratePMR, which, unless otherwise specified, is typically five business days from the date of the request. Failure to provide requested information within the specified timeframe may result in account suspension, transaction cancellation, or termination, as outlined in Section 3.3 (Account Termination). All verification decisions are final and not subject to appeal.

3.2.3 Call Recording Policy

Accurate Precious Metals reserves the right to record all telephone calls with customers for quality assurance, training, and legal protection purposes. All calls conducted with us are recorded, and by engaging in phone transactions or communications with us, you consent to this recording. Transactions conducted over the phone—once agreed upon via voice confirmation—are binding contracts, equivalent to written or electronic agreements, and are enforceable under these Terms and Conditions. Recordings may be used as evidence in disputes, subject to Section 20 (Dispute Resolution and Governing Law).

3.2.4 Use of Plaid for Banking Verification and Transaction Authorization

Accurate Precious Metals utilizes Plaid Inc. (“Plaid”) to collect customer data for banking ownership verification and transaction authorization purposes. By engaging with our services, you grant Accurate Precious Metals and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your respective financial institution. You consent to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid’s end-user privacy policy, available at https://plaid.com/legal/#end-user-privacy-policy. Additionally, we use financial institutions to facilitate ACH funds transfers from your funding source bank account to Accurate Precious Metals to enable service utilization. You agree to provide accurate banking information and authorize these transfers as part of your transactions with us.

3.3 Account Termination

Accurate Precious Metals reserves the right to suspend or terminate your account at our sole discretion, with or without notice, for reasons including but not limited to:

• Suspected fraud or illegal activity;
• Violation of these Terms and Conditions;
• Failure to provide requested verification documents;
• Prolonged inactivity (e.g., no transactions for 12 months);
• Any other reason we deem necessary to protect our business interests or comply with applicable law.

Upon termination, your access to our website and services will cease immediately, and you must settle any outstanding obligations (e.g., unpaid balances, return of items). We will notify you of termination via email to the address on file or by phone at the number provided, but failure to receive such notice does not invalidate the termination. Termination does not relieve you of obligations accrued prior to termination, including indemnification and payment responsibilities.

3.4 Monitoring

To ensure compliance with these Terms and Conditions and applicable laws, Accurate Precious Metals may monitor your use of our website and services, including account activity, transaction history, and communications with us. This monitoring may involve automated systems or manual review. By registering an account, you consent to such monitoring as a condition of using our services. We will handle any personal information collected during monitoring in accordance with our Privacy Policy (Section 14).

3.5 Indemnification

You agree to indemnify, defend, and hold harmless Accurate Precious Metals, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorney fees and court costs) arising from:

• Your use of our website or services;
• Your violation of these Terms and Conditions;
• Your infringement of any third-party rights (e.g., intellectual property, privacy);
• Any fraudulent or negligent actions attributable to you or your account.

This indemnification obligation survives the termination of your account or these terms and applies to claims brought by third parties or us.

3.6 Waiver

Any failure or delay by Accurate Precious Metals to enforce a provision of these Terms and Conditions does not constitute a waiver of our right to enforce that provision or any other provision at a later time. All waivers must be expressly stated in writing and signed by an authorized representative of Accurate Precious Metals to be effective. No oral or implied waivers will be recognized.

3.7 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms and Conditions to any other individual or entity without our prior written consent, which may be withheld at our sole discretion. Accurate Precious Metals may assign or transfer our rights and obligations under these terms to any affiliate, successor, or third party at any time without your consent, provided such assignment does not materially diminish your rights.

3.8 Survival

Certain provisions of these Terms and Conditions are intended to survive the termination of your account or your relationship with Accurate Precious Metals. These include, but are not limited to, Section 3.5 (Indemnification), Section 2.11 (Limitation of Liability), Section 15 (Attorney Fees), and Section 20 (Dispute Resolution and Governing Law). These surviving provisions remain in full force and effect indefinitely, as applicable.

3.9 Notice

All notices required under these Terms and Conditions must be in writing and delivered via:

• Certified mail, return receipt requested, to Accurate Precious Metals, Attn: Accounting, 1855 Hawthorne Ave NE, Salem, OR 97301, or to you at the address in your account;
• Email to [email protected] or your registered email, with confirmation of receipt.

Notices are deemed received upon confirmation of delivery (e.g., signed receipt for mail, email read receipt). It is your responsibility to ensure your contact information remains current.

3.10 Definitions

Terms defined throughout these Terms and Conditions (e.g., “Accurate Precious Metals,” “You,” “Bullion”) have the meanings ascribed to them in their respective sections and apply consistently unless otherwise specified. Additional definitions may be provided in transaction-specific documentation as needed.

4. Products and Pricing

4.1 Product Descriptions

Accurate Precious Metals strives to provide accurate and detailed descriptions of all products offered for sale, including precious metal bullion, coins, jewelry, and diamonds. These descriptions may include specifications such as weight, purity, condition, and origin. However, we do not warrant that product descriptions are exhaustive, error-free, or fully representative of every item’s characteristics. It is your responsibility to verify product details—through inquiries to us at [email protected] or 503-400-5608, or independent research—prior to completing a transaction. We are not liable for any discrepancies between descriptions and actual products unless such discrepancies result from our gross negligence or intentional misrepresentation.

4.2 Pricing Information

Pricing for all products and services offered by Accurate Precious Metals is determined based on current market conditions, including spot prices for precious metals, supply and demand, and operational costs. Prices are subject to change without notice due to market fluctuations or other factors. We reserve the right to correct pricing errors (e.g., typographical mistakes, system glitches) at any time, even after an order is placed but not yet finalized. In such cases, we will notify you of the correction and provide the option to proceed at the corrected price or cancel the order without penalty.

4.2.1 Spot Alert Pricing Service Provisions

Our spot alert pricing service provides real-time or near-real-time updates on precious metals spot prices, accessible via our website or optional notifications. These prices are informational only and do not constitute a locked price, binding offer, or guarantee of transaction terms. Spot prices may differ from the final transaction price due to market changes, fees, or other adjustments. Accurate Precious Metals is not liable for any reliance you place on spot alert information, including financial losses or missed opportunities. You waive any claims against us arising from the use of this service, with disputes limited to individual arbitration under Section 20.

4.2.2 Unmatched Price Assurance

Accurate Precious Metals may, at our sole discretion, offer to match a competitor’s documented price for identical products under certain conditions. This “Unmatched Price Assurance” is not a contractual obligation and may be suspended or withdrawn without notice during periods of market volatility, stock shortages, or other circumstances we deem necessary. To request a price match, you must provide verifiable evidence (e.g., a written quote from a competitor) before finalizing your transaction. We reserve the right to deny price match requests for any reason, including differences in product condition, availability, or transaction terms.

4.2.3 Policy on Promotional Codes and Price Reductions

We may offer promotional codes, discounts, or price reductions as part of marketing campaigns or customer incentives. These offers are subject to specific terms, including expiration dates, minimum purchase requirements, and limitations on use (e.g., one per customer). Promotional codes must be applied at the time of transaction and cannot be retroactively credited. We reserve the right to cancel, modify, or void promotional offers at any time, including if misused or applied in error. Expired or invalid codes will not be honored, and no compensation will be provided for unused promotions.

4.3 Price Changes and Market Volatility

The precious metals market is inherently volatile, with prices subject to rapid and significant fluctuations due to global economic conditions, geopolitical events, and supply-demand dynamics. During periods of heightened market activity, you may experience delays in contacting us via phone or email, or temporary unavailability of certain products. Accurate Precious Metals strives to maintain a seamless trading experience but is not liable for any inconvenience, financial losses, or missed opportunities resulting from market volatility or communication delays. All transactions must be conducted through our designated channels (in-person or via our website), with confirmation via digital signature or e-commerce checkout required before payout or shipment. We prohibit transactions through unauthorized methods (e.g., social media, third-party platforms), and any attempts to do so may be rejected under Section 7 (Company Rights and Discretions).

4.4 Availability and Stock

Product availability is not guaranteed and may change without notice due to stock levels, supplier constraints, or market conditions. We reserve the right to limit quantities sold (e.g., per customer or per transaction) or cancel orders if items become unavailable after placement but before fulfillment. In the event of cancellation due to stock issues, we will notify you promptly and refund any payments made, less applicable fees, as outlined in Section 7.1 (Right to Cancel Transactions).

5. Order Placement and Payment

5.1 Order Process

Accurate Precious Metals prides itself on transparency, trust, and reliability in all transactions. When you sell precious metals to us or purchase items from us—whether bullion, coins, jewelry, or diamonds—you enter into a binding contract governed by these Terms and Conditions and our Payment Terms and Conditions (available at https://accuratepmr.com/payment-terms/). By agreeing to these Terms and Conditions, you also acknowledge and accept our Payment Terms and Conditions as an integral part of this agreement. Once you commit to a transaction—by placing an order, accepting a quote, or confirming a sale via our website, phone, or in-person—you are legally obligated to complete the transaction as agreed, without unilateral cancellation or alteration by you. We reserve the unilateral right to cancel transactions at our discretion, as detailed in Section 7.1 (Right to Cancel Transactions), to ensure fairness and protect our business interests. Failure to fulfill your obligations may result in enforcement actions, including liquidation under Section 5.4.1 (Involuntary Cancellation and Liquidation Policy), application of our Market Loss Policy under Section 8.2, and recovery of administrative fees, relevant fees, and costs under Section 15 (Attorney Fees). Subsequent requests to sell back, return, or exchange purchased items will be processed exclusively under Section 10 (Buyback Program) or Section 8 (Returns and Refunds).

5.2 Payment Methods

We accept multiple payment methods to facilitate transactions, including but not limited to:

• Wire transfers (preferred for large orders);
• Credit or debit cards;
• All forms of checks (e.g., personal checks, cashier’s checks);
• Cash (subject to regulatory reporting, see Section 11.3).

We do not accept money orders as a form of payment. All payments must be made in U.S. dollars (USD). We reserve the right to refuse certain payment methods or require specific methods (e.g., wire transfer for orders over $10,000) based on transaction size, risk, or operational needs. Late or incomplete payments trigger enforcement measures under Section 5.4.1.

5.2.1 Transactions and Payment Terms

Payment is due immediately upon transaction confirmation unless a different timeline is explicitly agreed in writing by Accurate Precious Metals staff. For purchases, prices are locked only after full payment is received and cleared, unless otherwise specified. For sales to us, payment to you will be issued after we receive and verify the items, based on a timeline provided by AccuratePMR staff. We may hold funds until cleared; checks are subject to a mandatory 10-business-day holding period to prevent fraud or insufficient funds issues, and we will hold all product deliveries until checks clear. You are responsible for any bank fees associated with your payment method.

5.2.2 Large Order Policy

For transactions exceeding $10,000, Accurate Precious Metals may require full payment via wire transfer before locking the agreed-upon price. This ensures stability in volatile markets and protects both parties. If market conditions change significantly before payment clears (e.g., a shift in spot price exceeding 3%), we reserve the right to adjust the transaction price or cancel the order, with notice to you via email or phone. You will have the option to proceed at the adjusted price or fall back to our Market Loss Policy under Section 8.2, but no refund will be issued under any circumstances. Additionally, we reserve the right to require a wire transfer for any order, even after placement, if we deem it necessary to protect ourselves or have concerns about the transaction’s integrity (e.g., fraud risk, payment delays). You will be notified of this requirement, and failure to comply within two business days may result in cancellation under Section 5.4.1. If the spot price and/or premium decreases from the time the wire transfer was sent, such market gains remain the property of Accurate Precious Metals.

5.3 Order Confirmation

Upon finalizing a transaction, Accurate Precious Metals will provide confirmation via email, verbal confirmation over the phone, or written notice in person (typically a copy of a receipt), detailing the order or service specifics (e.g., items, quantities, prices, payment terms). You may request a printed copy at the time of transaction. However, the validity and enforceability of your transaction do not depend on receiving this confirmation through any specific method. Failure to receive confirmation—due to our error, your communication settings, or any other reason—does not void or alter your obligations. You remain bound to fulfill the transaction (e.g., shipping items to us, making payment) within the agreed timeframe, as per Section 5.4 (Payment Deadlines and Cancellations). It is your responsibility to maintain updated contact information in your account and ensure receipt of communications (e.g., by adjusting spam filters). We are not liable for delays or losses resulting from your failure to receive confirmations, regardless of the delivery method.

5.4 Payment Deadlines and Cancellations

All payment deadlines are specified at the time of transaction confirmation and will be communicated to you via email confirmation or directly by Accurate Precious Metals staff (e.g., “due within 24 hours” for wire transfers, “ship within two business days” for sales to us). Each payment method has its own timeline, which will be clearly outlined in the confirmation or by staff at the point of transaction (e.g., wire transfers due within one business day, checks due within three business days with a 10-day clearance hold), and detailed in our Payment Terms and Conditions at https://accuratepmr.com/payment-terms/. By agreeing to these Terms and Conditions, you confirm that you have fully read and understood our Payment Terms and Conditions. Failure to meet these deadlines constitutes a breach of contract, entitling us to cancel the transaction and pursue remedies under Section 5.4.1. You are liable for any fees, market losses, or costs incurred due to your non-compliance, as outlined below.

5.4.1 Involuntary Cancellation and Liquidation Policy

If you fail to fulfill your transaction obligations—such as making timely payment or shipping items to us—we may, at our sole discretion:

• Cancel the transaction;
• Liquidate any associated assets (e.g., items you sold to us but failed to ship, or collateral from a purchase);
• Recover damages, including market losses (calculated as the difference between the transaction price and the market price at liquidation), plus administrative fees (e.g., $50 per transaction) and shipping costs.

Additionally, we reserve the right to liquidate or sell any items in our possession belonging to you—including inventory at our facility, or items at depository locations, custodian accounts, or self-directed IRA accounts where you have granted us authorization and legal control (we do not own depositories or custodians)—to cover outstanding account balances, costs, and fees (e.g., market loss penalties, cancellation fees) if we deem you unwilling or unable to make your account whole. This liquidation may occur without further notice beyond the initial cancellation notification, and proceeds will be applied to your debts. You are responsible for all losses incurred, and any profits from liquidation remain the property of Accurate Precious Metals. You waive any right to contest the liquidation process or outcome, with disputes limited to individual arbitration under Section 20. This policy ensures we can mitigate financial risk caused by your non-performance.

6. Shipping and Delivery

6.1 Shipping Policies

All shipments—to or from Accurate Precious Metals—must comply with our specified guidelines. When selling or shipping items to us, Accurate Precious Metals is not liable for any items shipped without using our Mail-in Policy services or labels until they are officially delivered to our facility at 1855 Hawthorne Ave NE, Salem, OR 97301, or any location stated or determined by AccuratePMR authorized staff, and in our staff’s possession. Once in our possession, all returns, offers, fees, and shipping penalties will be governed by our Mail-in Policy (https://accuratepmr.com/mail-in-gold-terms-conditions/). If you ship items to us—whether you notify us in advance or not—by sending the shipment, you automatically agree to our Mail-in Policy and are subject to its fees and return shipping charges, regardless of prior communication. However, you will not have coverage for any lost, stolen, or damaged packages unless you use our services and labels as outlined in the Mail-in Policy. To use our Mail-in Policy and acquire a label, you must follow the process by filling out the form at https://accuratepmr.com/we-buy/mail-in-your-jewelry/ or contacting our sales staff at [email protected] or 503-400-5608.

• For Sellers (Selling to Us): When selling or shipping items to us, to obtain coverage you must use our labels and adhere to our Mail-in Policy at https://accuratepmr.com/mail-in-gold-terms-conditions/, which requires completing the form at https://accuratepmr.com/we-buy/mail-in-your-jewelry/. Simply notifying us via email at [email protected] or phone at 503-400-5608 without following the Mail-in Policy process does not entitle you to coverage; you must complete the form to initiate coverage. If you ship without our services or labels, you bear all risks—including but not limited to loss, damage, or theft—and hold Accurate Precious Metals harmless from any associated claims, damages, or liabilities until the items are in our possession at the designated location. You may send us virtually any item within reason (e.g., bullion, jewelry, coins), but coverage requires adherence to our Mail-in Policy; we are not liable for any items shipped without completing this process unless received and verified at our facility or designated location.
• For Buyers (Purchasing from Us): Risk of loss transfers to you upon shipment from our facility if not met by our insurance and claims process guidelines (see Section 6.1.6). You agree to follow and meet these guidelines to ensure coverage; failure to do so leaves you solely responsible for any loss or damage. We use reputable carriers and provide tracking, but we are not liable for delays, losses, or damages caused by carriers or third parties beyond our control.

6.1.2 Mandatory Packaging and Shipping Conditions for Bullion Sales

When selling to us, if you agree to sell bullion, jewelry, or other items—whether confirmed over the phone, via e-signature, or email—you must ship the items within two business days of the agreement. You must comply with our Mail-in Policy guidelines at https://accuratepmr.com/mail-in-gold-terms-conditions/. If you seek coverage for your shipment, you must contact us at [email protected] or 503-400-5608 and complete our online application and form (available via the Mail-in Policy page) prior to shipping; simply following the Mail-in Policy steps without this application is insufficient for coverage eligibility. Non-compliant shipments may be rejected, returned at your expense, or accepted with adjusted valuation if damage occurs. Compliance ensures safe transit and accurate valuation, and failure to comply voids any claims against us for loss or discrepancies.

6.1.3 Rejection of Non-Compliant Shipments

Accurate Precious Metals reserves the right to reject any shipment delivered to us that does not use our Mail-in Policy labels or services, including but not limited to packages that arrive open, exposed, or tampered with. Rejected shipments will be returned to you at your expense, and we are not liable for any loss, damage, or theft during return transit. By shipping items to us without our labels or services, you accept this risk and waive any claims against us related to such rejections.

6.1.4 Business Hours and Delivery Risks

Our business hours are Monday to Friday, 10:00 AM to 6:00 PM Pacific Standard Time (PST), excluding holidays we observe. For a current list of observed holidays, refer to our Google My Business profile at https://g.co/kgs/zoY2J7Q, which we update to inform the public. Accurate Precious Metals is not responsible for packages not insured by our third-party insurance company if the carrier leaves them at our door—whether we are present or not—due to the high risk of theft by porch thieves or others. If you ship items to us, or items are returned to us, without using our Mail-in Policy and labels, you agree to hold us harmless from any theft, loss, or damage if the package is left unattended at our facility outside business hours or during holidays. It is your responsibility to ensure delivery occurs during our business hours if not using our insured services.

6.1.5 Lost or Damaged Shipments

Accurate Precious Metals is not responsible for shipments lost or damaged in transit unless they are covered by third-party insurance arranged through our Mail-in Policy or shipping process and the loss is attributable to our negligence. For items you ship to us without using our Mail-in Policy labels or services, we assume no responsibility until receipt at our facility or designated location during business hours (Monday–Friday, 10:00 AM–6:00 PM PST); all risks prior to receipt are yours, and we are not liable for any issues. For items we ship to you, insurance is optional but recommended; uninsured shipments are at your risk. If a shipment is covered by third-party insurance and lost or damaged, you must file a claim directly with the insurer, and we will assist you through the process as a courtesy. However, all liability rests solely with the third-party insurance company, and Accurate Precious Metals is not liable under any circumstances for losses, damages, or delays in transit.

6.1.6 Insurance and Claims Cooperation

For shipments covered by third-party insurance through our Mail-in Policy or our shipping process, you must notify us at [email protected] or 503-400-5608 within 10 calendar days from the date of shipment of discovering an issue (e.g., loss, damage) and provide all requested documentation (e.g., photos, tracking details) immediately—waiting until the next business day or after holidays is not permitted. We will assist you in filing a claim with the third-party insurer, but the resolution—whether to repair, replace, or refund—is determined by the insurer’s staff and underwriters, or by us in consultation with them. You agree to accept the outcome as conclusive and hold Accurate Precious Metals harmless from any claims, damages, losses, or liabilities arising from the claim process. We reserve the right to reject filing a claim if you fail to meet these requirements or timelines (e.g., late notification, incomplete evidence), leaving you responsible for the loss. Any legal action related to claims, losses, thefts, or damages must be directed solely to the insurance company, not Accurate Precious Metals.

6.1.7 Wrong Shipping Address

If a shipment is returned to Accurate Precious Metals or the sender’s location (e.g., our supplier’s facility if shipped directly from them) due to an incorrect or undeliverable shipping address provided by you (e.g., bad address, refusal to accept), and the package is not lost, you agree to pay a repackaging, insurance, and reshipping fee to cover our costs. This fee will be calculated based on current carrier rates and insurance costs, plus a $25 minimum repackaging charge, and must be paid before we reship the items. We will notify you via email or phone of the return and fee details, and failure to pay within five business days may result in liquidation of the items under Section 5.4.1 to recover costs.

6.1.8 Incorrect Shipping Information

It is your sole responsibility to provide accurate shipping information (e.g., correct address, recipient details) at the time of transaction, prior to the creation of shipping labels. If you provide bad shipping information, data entry errors, or any inaccurate details leading to delivery issues (e.g., lost, stolen, or misdelivered packages), you bear all resulting risks and costs and void all ability to file claims with our third-party insurer for losses, damages, theft, or any related issues. Accurate Precious Metals is not liable for such occurrences. You must correct any errors by contacting us at [email protected] or 503-400-5608 immediately upon discovery to mitigate further issues.

6.1.9 Delivery Times

Delivery times provided at the time of transaction are estimates based on carrier schedules and typical processing times. They are not guaranteed, and Accurate Precious Metals is not liable for delays caused by carriers, weather, holidays, or other factors beyond our control. We will provide tracking information upon shipment, and it is your responsibility to monitor your package’s progress using this tracking number. You must meet all deadlines and requirements to file insurance claims if applicable (e.g., notifying us within 10 calendar days of a delay or issue), as outlined in Section 6.1.6. It is critical that you watch the tracking intently to ensure timely receipt and address any issues directly with the carrier if necessary.

6.1.10 Shipping Fees

Shipping fees are calculated at the time of transaction based on weight, distance, carrier rates, and insurance costs. These fees are non-refundable unless we determine, at our discretion, that a refund is warranted (e.g., due to our error). By placing an order on our website, signing an electronic document, agreeing via email, or confirming over a recorded phone call, you acknowledge and accept these shipping fees as part of the transaction confirmation for all services, including but not limited to purchases, sales, in-house repairs, grading, or any other service provided by Accurate Precious Metals. Fees are disclosed at checkout or in transaction documentation and are binding upon your agreement.

6.1.11 Shipping and Delivery Delays Due to Unforeseen Events

Delays caused by force majeure events (e.g., natural disasters, pandemics, government restrictions), supply chain issues (e.g., high demand, third-party shipping delays), or manufacturing delays are outside our control, and we are not liable for any resulting inconvenience, losses, or damages. This aligns with Section 1.5 (Force Majeure Provision). Such delays do not constitute grounds for cancellation or refund requests, and you forfeit any ability to cancel or seek a refund based on these events. We will make reasonable efforts to notify you of delays via email or phone and resume shipping once conditions permit, but we cannot guarantee specific timelines.

6.1.12 Right to Withhold Shipment for Unpaid Orders or Account Balances

Accurate Precious Metals may withhold shipment of any order—whether purchased items or payouts for items sold to us—if you have outstanding balances, unpaid orders, or unresolved account issues (e.g., verification delays, market loss penalties, or cancellation fees from Section 8.2). We may also sell or liquidate items in our possession to fulfill these account balances, including fees accrued from our Market Loss Policy, at our discretion. Shipment or payment will resume only after all obligations are satisfied in full, including payment of any applicable fees or penalties. This right ensures we are not exposed to financial risk due to your non-compliance.

7. Company Rights and Discretions

7.1 Right to Cancel Transactions

Accurate Precious Metals reserves the absolute right to cancel any transaction at our sole discretion, with or without cause, at any stage before fulfillment. Reasons for cancellation may include, but are not limited to:

• Pricing errors (e.g., system glitches, misquotes);
• Stock unavailability;
• Suspected fraud or misrepresentation;
• Market instability affecting transaction feasibility;
• Non-compliance with these Terms and Conditions.

Upon cancellation, we will notify you and either refund any payments made (less applicable fees) or return items shipped to us, at our discretion. You waive any claims for damages or lost profits resulting from such cancellations, with disputes limited to arbitration under Section 20.

7.2 Right to Refuse Service

We reserve the unequivocal right to refuse service, deny transactions, or prohibit engagement with any individual or entity for any reason, at our sole discretion. This includes refusing account registration, rejecting orders, or barring access to our website or physical locations. We are not required to disclose the rationale for such decisions, and no liability arises from our exercise of this right. This discretion ensures we can protect our business interests and maintain operational integrity.

7.3 Additional Discretionary Rights

Beyond the specific rights outlined above, Accurate Precious Metals retains broad discretion to take any actions necessary to safeguard our business, reputation, or legal interests. This may include, but is not limited to:

• Correcting errors in transactions, pricing, or documentation;
• Withholding payments or shipments pending investigation or resolution;
• Suspending accounts or services during disputes or compliance reviews.

These rights are non-exhaustive and may be exercised at any time without prior notice or liability, provided such actions comply with applicable law.

8. Returns and Refunds

8.1 Return Policy

All sales, purchases, and transactions—including services provided by Accurate Precious Metals—are final and irrevocable, with no refunds, returns, or cancellations permitted under any circumstances, except as required by applicable law. This applies to all items (e.g., bullion, coins, jewelry, diamonds) and services (e.g., repairs, grading), whether conducted in-person, online, or via phone. Once a transaction is completed, it is binding, subject only to our Market Loss Policy below.

8.2 Market Loss Policy

Our Market Loss Policy applies to any transaction that fails to complete—whether due to failed payment, order cancellation, non-delivery, or any other reason—regardless of whether we are buying items from you or selling items to you. If a transaction is cancelled or falls through:

• Your Liability: You agree to full responsibility and liability to Accurate Precious Metals for any Market Loss, defined as the difference between the transaction price and the market price at the time of cancellation or failure, plus an additional fee of the greater of $50 or 5% of the order total. You are also liable for all fees and costs associated with our efforts to collect these amounts from you, including attorney fees, collection agency fees, and court costs, as per Section 15 (Attorney Fees). By transacting with us, you authorize Accurate Precious Metals to use any payment methods we have on file (e.g., credit cards, bank accounts) to fully recover these amounts, including charging your credit card or withdrawing from your bank account as needed to execute this policy.
• Our Rights: Any Market Gain (i.e., an increase in market value favoring Accurate Precious Metals) resulting from such cancellations is our sole property and does not include the additional fee of the greater of $50 or 5% of the order total, which is a separate penalty. We retain all market gains without obligation to compensate you. This policy protects us because we enter into binding contracts on the market—whether with suppliers, hedge contracts, or for inventory management—and must fulfill our obligations despite penalties, fees, and lost opportunities caused by your non-performance. Our strong repercussion process ensures we can mitigate these financial risks.

This policy ensures we are protected from financial losses due to your non-performance, and you waive any right to dispute its application, with resolution limited to arbitration under Section 20.

8.3 Attempts to Retract Payments

Any attempt to retract or pull money away from Accurate Precious Metals’ accounts—such as credit card chargebacks, retracted wire transfers, amended wire transfers, Zelle retractions, or check retractions—after agreeing to a transaction, order, or service constitutes a breach of our binding transaction agreements. Such actions will automatically trigger the application of all appropriate fees and penalties under our Market Loss Policy (Section 8.2), including market loss damages and the greater of a $50 or 5% of the order total fee. Additionally, you will incur all attorney fees, legal fees, and professional fees associated with our efforts to enforce this agreement and recover our funds, as recoverable under Section 15 (Attorney Fees). By transacting with us, you acknowledge and accept this policy as a consequence of attempting to reverse agreed-upon payments.

9. Authentication and Purity

9.1 Guarantee of Purity

Accurate Precious Metals guarantees that all precious metals we sell (e.g., bullion, coins) meet the purity and authenticity standards specified in their industry-recognized designations (e.g., 99.9% pure gold, 99.99% pure silver) as determined by accepted industry standards, not necessarily based on website descriptions. This guarantee applies only to items purchased directly from us and shipped from our facility at 1855 Hawthorne Ave NE, Salem, OR 97301, and does not extend to items sourced from third-party sellers, suppliers, or vendors through our platform (if applicable), nor does it cover errors in website descriptions (e.g., typographical mistakes). If an item shipped directly from AccuratePMR fails to meet its stated industry purity or authenticity due to our error, you must contact us immediately at [email protected] or 503-400-5608 and refrain from breaking the tamper-proof seal to exercise this guarantee; we will replace it or refund the purchase price at our discretion, provided you notify us within 10 business days of receipt. For items shipped directly from our suppliers or vendors, purity and authenticity verification falls under their processes, and you must accept any evidence they provide (e.g., certificates, test results, video recordings of packing or items) as conclusive proof. If a supplier or vendor error occurs, you hold Accurate Precious Metals harmless from any damages, losses, fees, or value discrepancies, and waive all rights to pursue legal action against us, agreeing to direct all efforts toward the vendor via arbitration and manage the dispute in a reasonable manner.

9.2 Verification Process

When you sell items to us, we reserve the right to inspect, test, or assay them to verify authenticity, condition, and purity at our sole discretion. This may involve non-destructive testing (e.g., X-ray fluorescence) or destructive methods (e.g., scratching, acid testing, melting) as we deem necessary, without requiring your prior consent. If authenticity or purity is disputed, you are responsible for assay costs unless the dispute is resolved in your favor (i.e., the item meets your description). Results of our verification process are final and binding.

9.2.1 Bullion Inspection, Rejection, and Insurance

Upon receiving items you sell to us, we will inspect them at our discretion to ensure they match your description and meet our standards. If items do not match (e.g., counterfeit, damaged, lower purity), we may reject them and return them to you at your expense under our Mail-in Policy (https://accuratepmr.com/mail-in-gold-terms-conditions/). For any returns due to disputes or cancellation disputes involving items you send us, or purchases from us, we will evaluate the items prior to issuing refunds or finalizing resolutions, adhering to our Mail-in Policy guidelines where applicable. Rejected items are not covered by our insurance during return transit, and we are not liable for loss or damage. You may request a detailed rejection report, which we will provide at our discretion.

9.3 Customer Responsibilities

When selling to us, you are responsible for ensuring that items are authentic, accurately described, and meet any purity or condition claims you make. Misrepresentation—intentional or otherwise—may result in transaction cancellation, return of items at your expense under our Mail-in Policy (https://accuratepmr.com/mail-in-gold-terms-conditions/), and liability for costs we incur (e.g., testing, shipping), recoverable under Section 15 (Attorney Fees). You warrant that all items sold to us are legally owned by you and free of liens or disputes. If items are subject to liens or disputes, any efforts or costs we incur to protect ourselves (e.g., legal counsel, third-party claims) will be your sole responsibility, and we may recover these costs under Section 15.

10. Buyback Program

10.1 Eligibility

Accurate Precious Metals operates a buyback and buying program, allowing us to purchase items from customers at our sole discretion. This program includes not only items previously purchased from us (e.g., bullion, coins) but also any qualified items we choose to buy, such as precious metals, jewelry, diamonds, watches, or other valuables, regardless of their origin. Eligibility is determined by us based on item condition, market demand, and our business needs. We are not obligated to purchase any item and may refuse buyback or purchase requests for any reason without explanation. All transactions under this program, once agreed upon, are final and binding, with no cancellations permitted by you.

10.2 Process

To sell or offer items to us under this program:

1. Contact Us: Reach out via [email protected], 503-400-5608, or our website (https://accuratepmr.com/contact/) to discuss your items and receive a preliminary quote. Alternatively, visit us in person at 1855 Hawthorne Ave NE, Salem, OR 97301.
2. Submit Items: Ship items to us following our Mail-in Policy (https://accuratepmr.com/mail-in-gold-terms-conditions/) or deliver them in person. For mailed items, compliance with the Mail-in Policy is mandatory.
3. Verification: We will inspect and verify the items per Section 9.2 (Verification Process).
4. Finalize Transaction: Upon verification, we will confirm the final price and issue payment via your chosen method (Section 5.2) once you accept the offer; the payment timeline will be provided by AccuratePMR staff at the time of acceptance.

All agreements—whether via e-signature, voice-recorded phone call, physical signature, or email confirmation with our staff stating agreement to the price—are binding contracts once finalized. In-person buys are governed by verbal agreements made during the transaction, recorded per Section 3.2.3, and are equally final.

10.2.1 Buyback Terms for Purchased Bullion

For items we previously sold to you or any other qualified items we agree to purchase, the terms are subject to change without notice, reflecting current market prices, demand, and our inventory needs. The final price will be determined after we receive and verify the items, and it may differ from the preliminary quote. We reserve the right to refuse any buyback or purchase request at our discretion, with no obligation to provide a reason. All buys through our Mail-in Policy follow its guidelines (https://accuratepmr.com/mail-in-gold-terms-conditions/), while in-person buys follow the verbal agreement process.

10.3 Pricing

Pricing for items we buy is calculated at our sole discretion, based on, but not limited to:

• Current spot prices for the relevant precious metal, with percentages below or above spot prices determined by us;
• Item condition, authenticity, and marketability;
• Market demand and our inventory levels.

Pricing is not guaranteed until the transaction is finalized (i.e., after inspection). You will be notified of the final price, and payment will be issued once you accept the offer via email, phone confirmation, or other agreed method, subject to Section 5.2 (Payment Methods).

10.4 Right to Withhold Payouts for Insufficient Documentation or Identification

We may withhold buyback or purchase payouts if you fail to provide required documentation (e.g., identification, proof of ownership) or if we suspect fraud or legal issues with the items. Payouts will be released only after satisfactory verification, and repeated non-compliance may result in exclusion from this program.

11. Regulatory Compliance

11.1 Anti-Money Laundering

Accurate Precious Metals maintains a written Anti-Money Laundering (AML) program in compliance with the USA Patriot Act of 2001 and adheres to its processes to prevent money laundering and ensure legal compliance. By transacting with us, you warrant that:

• You are not engaged in money laundering or other illegal activities;
• Funds used in transactions are from legitimate sources;
• You will provide any documentation we request to verify compliance (e.g., source of funds, identification).

Failure to comply may result in transaction cancellation, account termination, and reporting to relevant authorities, as per our AML program and legal obligations.

11.3 Other Relevant Regulations

We adhere to all applicable federal, state, and local laws governing precious metals trading, consumer protection, data privacy, and taxation. All transactions involving cash payments exceeding $10,000 are subject to mandatory reporting via IRS Form 8300, with no exceptions. You agree to cooperate with any requests related to regulatory compliance (e.g., providing Social Security Number, driver’s license, or signing Form 8300), and failure to comply may result in transaction cancellation and the application of relevant penalties or fees, such as those accrued under Section 5.4.1 (Involuntary Cancellation and Liquidation Policy) or Section 8.2 (Market Loss Policy).

11.3.1 Cash Transaction Reporting (Form 8300)

Accurate Precious Metals respects your privacy and does not disclose your purchases to the government unless required by law. Under IRS regulations, we must report any cash payments exceeding $10,000 received for purchases, as well as related transactions totaling over $10,000 within a 24-hour period, via Form 8300, as mandated by the USA Patriot Act and related laws. Failure to report such transactions could subject us to fines, criminal charges, or imprisonment, so compliance is non-negotiable.

• Form 8300 Details: When filing Form 8300, we are required to include your personal information, such as your full name, address, driver’s license number, and Social Security Number. This information remains confidential between Accurate Precious Metals and the IRS, with no access granted to third parties unless compelled by a legal warrant. Even if you refuse to provide some or all of this information, we are still obligated to submit the form based on available data.
• Cash Definition: For reporting purposes, “cash” includes U.S. or foreign currency, cashier’s checks, bank drafts, and traveler’s checks when their total within a transaction or related transactions exceeds $10,000. Payments via personal checks, wire transfers, credit/debit cards, PayPal, or ACH transfers are exempt from reporting, regardless of amount. Payments exceeding $10,000 via cashier’s checks or similar instruments are also exempt, as reporting responsibility shifts to the issuing bank.
• Related Transactions: Transactions are considered “related” if they occur within 24 hours and collectively exceed $10,000 in cash. For example, if you pay $8,000 in cash today and $3,000 in cash tomorrow, both totaling over $10,000 within 24 hours, we must report them. Attempting to structure payments (e.g., spacing them out to avoid reporting) is illegal under federal law (“illegal structuring”) and may result in bank account closure, IRS reporting, and criminal charges against both you and us. We strictly prohibit such practices and will report suspected structuring to authorities.
• Purpose: These reporting requirements, established by the U.S. Treasury in the 1980s, aim to monitor commodity exchanges, prevent tax evasion, and combat money laundering that could harm the U.S. economy.
• No Tax Advice: This information is a general guide, not tax advice. For specific guidance on reporting or taxation related to your transactions, consult a professional tax advisor or visit IRS.gov. Accurate Precious Metals is not liable for your tax obligations or compliance failures.

12. Investment Risks

12.1 Market Volatility

Investing in precious metals involves significant risks due to market volatility. Prices can fluctuate dramatically based on economic conditions, geopolitical events, and supply-demand shifts. Accurate Precious Metals does not guarantee future performance or profitability, and you acknowledge that you may incur losses, including the full value of your investment. We are not liable for any financial outcomes resulting from market changes.

12.2 No Investment Advice

Accurate Precious Metals does not provide investment, financial, tax, or legal advice. Information we provide—such as spot prices, market trends, product details, or casual conversations (“small talk”) with our staff—is for informational purposes only and does not constitute a recommendation or endorsement of any investment strategy. You are solely responsible for your investment decisions, and we are not liable for losses or damages arising from your reliance on our information, including informal discussions with Accurate PMR staff. You must seek professional counsel from qualified advisors for investment guidance tailored to your circumstances.

12.2.1 Tax Liability and Implications

All tax liabilities or implications arising from your transactions with Accurate Precious Metals—whether related to purchases, sales, IRA investments, or otherwise—are your sole responsibility. You must consult your certified public accountant (CPA) or attorney to understand and address these obligations, including but not limited to income taxes, capital gains taxes, or penalties. Accurate Precious Metals will not be held responsible for any tax-related issues, disputes, or financial consequences you encounter, and we are not liable for providing tax advice or ensuring your compliance with tax laws.

13. Fees

13.1 Transaction Fees

We may charge fees for various services, including:

• Processing fees for payments (e.g., wire transfers, checks, cash, or other methods receive a 4.5% discount at checkout compared to the credit card rate);
• Shipping and handling fees (calculated at checkout);
• Administrative fees for cancellations or non-compliance (e.g., $50 per incident or as specified).

Fees are disclosed at the time of transaction and are non-refundable unless we determine otherwise (e.g., due to our error).

13.2 Storage Fees

Storage fees apply to items officially stored at our location (1855 Hawthorne Ave NE, Salem, OR 97301) under a signed agreement between you and Accurate Precious Metals, with rates determined and specified in that agreement. We do not offer storage services unless otherwise explicitly agreed in writing, as our storage capabilities are extremely limited and costly due to high inventory turnover. Our business relies on moving customer inventory quickly to accommodate new stock and other clients’ needs. For items purchased from us but not picked up or shipped:

• After the 7th business day from transaction completion and notification that items are available for pickup (via phone call, with a voicemail if unanswered; email follow-up is optional but not mandatory), a storage fee of 1% of the item’s value per day (minimum $1.50) will be charged. We will deduct these fees from your inventory by liquidating items as needed to cover the costs if you fail to retrieve them.
• On the 30th business day, we reserve the right to liquidate the items at the going rate per our buying policy (Section 10), deducting all accrued storage fees, liquidation fees, penalties, and administrative fees, and issuing payment to you via check for the remaining balance, at our discretion. In this case, we will process the items under our buying policy to determine the final price, but we are not obligated to wait for your approval, as your failure to retrieve items constitutes acceptance due to exploiting our storage space without consent.
• In the event of a customer’s death, we will deduct all accrued storage fees, administrative fees, penalties, and any legal counsel costs necessary to ensure funds and assets in our possession are transferred to the proper family or estate, protecting both our interests and the client’s assets, with costs recoverable by liquidating inventory as needed under Section 15 (Attorney Fees).

Checks will be prepared and held for pickup or mailed to your registered address. Failure to pay storage fees within 30 days of invoicing may also result in liquidation to cover outstanding balances, including orders purchased from us or fees owed.

13.3 Other Fees

Additional fees may apply in specific circumstances, such as:

• Market loss adjustments for failed transactions (Section 8.2);
• Assay or testing fees for disputed items (Section 9.2);
• Late payment penalties (e.g., 1.5% per month on overdue balances);
• Non-Sufficient Funds (NSF) Penalty: We charge a penalty fee of $50 or 0.5% (0.005) of the transaction total, whichever is higher, for all NSF incidents, including bounced checks and ACH payment failures. This fee is assessed immediately upon notification of NSF and must be paid within five business days to avoid additional enforcement actions under Section 5.4.1.

These fees will be clearly communicated at the relevant stage and are enforceable under these terms.

14. Privacy and Data Protection

14.1 Privacy Policy Reference

Your personal information is collected, used, and protected in accordance with our Privacy Policy, available at https://accuratepmr.com/privacy-policy/. By using our services, you consent to our data practices as outlined therein, including the collection of information such as your name, contact details, and transaction history. Any disputes related to privacy or data use must be resolved individually through arbitration, waiving class action rights per Section 20.

14.2 Data Collection and Use

We collect data to:

• Process transactions and provide services;
• Comply with legal obligations (e.g., AML);
• Enhance customer experience (e.g., personalized offers, account management).

We do not sell your personal data to third parties but may share it with service providers (e.g., payment processors, shipping carriers) under strict confidentiality agreements. You consent to this sharing as a condition of using our services.

14.3 Security Measures

Accurate Precious Metals employs industry-standard security measures (e.g., encryption, firewalls) to protect your data from unauthorized access or disclosure. However, no system is infallible, and we are not liable for breaches caused by force majeure events (Section 1.5) or third-party actions beyond our control (e.g., hacking). You waive claims against us for such breaches, provided we have acted with reasonable care.

15. Attorney Fees

15.1 Recovery of Collection Costs

If Accurate Precious Metals must engage legal counsel, collection agencies, or other professionals to enforce our rights under these Terms and Conditions—due to your non-payment, breach, or other default—you are liable for all reasonable costs incurred. This includes attorney fees, collection agency fees, court costs, and related expenses, recoverable whether or not litigation is initiated.

15.2 Prevailing Party in Legal Proceedings

In any legal proceeding (e.g., arbitration, court action) to interpret or enforce these terms, the prevailing party is entitled to recover reasonable attorney fees, expert witness fees, and other costs from the non-prevailing party, as determined by the arbitrator or court.

15.3 Prevailing Party in Disputes

For any dispute arising from your engagement with us—whether contractual, tort-based, or otherwise—the prevailing party (as determined by the arbitrator or court) will recover all reasonable fees and costs incurred, including attorney fees. This ensures that we can defend our rights without undue financial burden.

16. Gold Ownership and Government Recall Policy

16.1 Policy Acknowledgment

While there are currently no U.S. federal restrictions on private gold ownership, historical precedents (e.g., Executive Order 6102 in 1933) demonstrate that government recalls or confiscation policies could occur in the future. Accurate Precious Metals has no control over such actions and is not liable for any losses, damages, or legal consequences you may face due to government intervention. You acknowledge this risk as inherent to precious metals ownership.

17. Individual Retirement Account (IRA) Services Guidance

17.1 Guidance Acknowledgment

Accurate Precious Metals may provide general guidance on integrating precious metals into self-directed Individual Retirement Accounts (IRAs), including information on compatible trustees and custodians. We do not act as custodians, administrators, or depositories for any IRA items. You are responsible for selecting and contracting with a third-party provider for custodial and depository services, and researching depositories suitable for your needs. We are not liable for their performance, fees, financial issues (e.g., bankruptcies), or any damages arising from your dealings with them, as they physically hold your metals. You agree to hold Accurate Precious Metals harmless from any such issues unrelated to us.

17.2 Role in Self-Directed IRAs

We facilitate IRA-eligible precious metals purchases by coordinating with your chosen custodian, but we do not manage, hold, or store IRA assets as a custodian or depository. Our role is limited to supplying approved products (e.g., bullion meeting IRS purity standards) and processing transactions per your custodian’s instructions. We are not liable for investment outcomes, custodian errors, depository issues, or regulatory changes affecting your IRA.

17.3 Tax Implications Advisory

Investing in precious metals through an IRA may have tax implications (e.g., contribution limits, distribution rules). Accurate Precious Metals does not provide tax advice, and you are solely responsible for consulting a qualified tax professional to understand these implications. We are not liable for any tax liabilities, penalties, or financial impacts resulting from your IRA investments.

17.4 Declarations as Opinions

Statements made by our representatives regarding IRA investments—such as future market trends, product performance, or regulatory expectations—are opinions only, not guarantees or factual representations. You may not rely on such statements as the basis for investment decisions, and we are not liable for losses stemming from such reliance.

17.5 IRA Transfer Processing Times

Transferring precious metals into an IRA typically takes a minimum of 60 days, due to custodian processing, shipping, and verification steps. Delays may occur due to unforeseen events (e.g., carrier issues, custodian backlogs), and we are not liable for resulting losses or missed opportunities. We will provide updates as available for products we are responsible for shipping or processing, but once items are in the possession of the custodian or depository, it is your responsibility to maintain constant communication with those entities to monitor progress and address any issues. We cannot guarantee specific timelines beyond our direct control.

17.6 Terms Subject to Change

Our guidance and processes for IRA services may change without notice to reflect regulatory updates, market conditions, or business needs. By using these services, you agree to abide by the latest terms as they evolve.

17.7 Acknowledgment of Dynamic Terms

You acknowledge that the precious metals and IRA landscape is dynamic, and Accurate Precious Metals may adapt our offerings, terms, and procedures accordingly. Your continued use of our IRA-related services constitutes acceptance of these changes.

18. Severability and Modification for Validity

18.1 Severability of Terms

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court or arbitrator, the remaining provisions will 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, ensuring the overall agreement remains intact.

19. Mail-in Policy

19.1 Acceptance of Policy

By signing or agreeing to these Terms and Conditions, you agree to abide by our Mail-in Policy, available at https://accuratepmr.com/mail-in-gold-terms-conditions/, which outlines the procedures and requirements for mailing items to us for sale or trade. Strict adherence to this policy is mandatory for all shipments to Accurate Precious Metals.

19.2 Mailing Procedures for Selling Items

To sell items via mail, you must follow our Mail-in Policy at https://accuratepmr.com/mail-in-gold-terms-conditions/, which outlines all procedures, requirements, timelines, verification processes, and payment terms for shipping items to us. Contact us at [email protected] or 503-400-5608 to initiate the process and ensure compliance with the policy. Failure to adhere to these guidelines may result in rejection of your shipment or delays, with no liability to Accurate Precious Metals for any resulting issues.

20. Dispute Resolution and Governing Law

20.1 Dispute Resolution

Mandatory Individual Arbitration: Any dispute, claim, or controversy arising from or related to these Terms and Conditions—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, representative actions, or any lawsuits personally against Accurate Precious Metals, its affiliates, officers, directors, employees, or agents, agreeing that all disputes will be resolved solely on an individual basis via arbitration as outlined herein. Your only recourse is arbitration, conducted in Salem, Oregon, or a location of Accurate Precious Metals’ choosing. Accurate Precious Metals retains the option to pursue legal action outside of arbitration if necessary to protect our rights or in efforts to enforce our Market Loss Policy, penalties, fees, or any outstanding balances, including reclaiming funds for situations related to Section 8.3 (Attempts to Retract Payments) and collecting any fees or penalties in court or small claims court if needed. Arbitration will be conducted by a single arbitrator selected by Accurate Precious Metals, whose decision is final and binding, subject only to limited review as permitted by the Federal Arbitration Act.

20.2 Arbitration Agreement

Arbitration will be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and conducted in Salem, Oregon, unless otherwise agreed in writing. The process will follow the rules of the American Arbitration Association (AAA) or JAMS, at our discretion. You are responsible for your own arbitration costs (e.g., filing fees, legal representation), unless the arbitrator awards otherwise. The arbitrator may award injunctive relief or damages but cannot consolidate claims or award punitive damages beyond what is permitted by law.

20.3 Governing Law and Jurisdiction

These Terms and Conditions are governed exclusively by the laws of the State of Oregon, USA, without regard to conflict-of-law principles. For any matters not subject to arbitration (e.g., injunctive relief to enforce arbitration or actions permitted under Section 20.1), legal action must be brought in the state or federal courts located in Marion County, Oregon. You irrevocably consent to the personal jurisdiction and venue of these courts and waive any objections (e.g., inconvenient forum).

21. General Provisions/Miscellaneous

21.1 Entire Agreement

These Terms and Conditions, combined with our Privacy Policy and any transaction-specific documents (e.g., purchase orders, invoices), constitute the entire agreement between you and Accurate Precious Metals regarding your use of our services and transactions with us. This agreement supersedes all prior or contemporaneous agreements, understandings, or representations, whether written or oral.

21.2 Assignment Clause

You may not assign, transfer, or delegate your rights or obligations under these terms to any third party without our prior written consent, which we may withhold at our discretion. Accurate Precious Metals may assign our rights and obligations to any affiliate, successor, or third party without your consent, provided it does not materially affect your rights.

21.3 Binding Effect Provision

These Terms and Conditions are binding upon you, Accurate Precious Metals, and our respective heirs, successors, and permitted assigns. They remain enforceable regardless of changes in ownership or corporate structure.

21.4 Time of Essence Clause

Time is of the essence for all obligations under these terms, including payment deadlines, shipping requirements, and return requests. Failure to meet specified timeframes may result in forfeiture of rights or enforcement actions by us.

21.5 Statute of Limitations for Claims

Any claim or cause of action arising from these Terms and Conditions or your engagement with us must be filed within one year of the event giving rise to the claim (e.g., transaction date, breach). Claims filed after this period are permanently barred, regardless of applicable statutes of limitations, unless prohibited by law.

21.6 Notices

All notices must be in writing and delivered via:

• Certified mail to Accurate Precious Metals, Attn: Accounting, 1855 Hawthorne Ave NE, Salem, OR 97301, or to you at the address in your account;
• Email to [email protected] or your registered email, with confirmation of receipt.

Notices are effective upon receipt, and it is your responsibility to maintain current contact information.

21.7 Further Assurances

You agree to execute any additional documents or take further actions reasonably requested by Accurate Precious Metals to implement or enforce these terms (e.g., signing transaction confirmations, providing tax forms).

21.8 Waiver

No waiver of any provision by Accurate Precious Metals is effective unless explicitly stated in writing and signed by an authorized representative. Our failure to enforce any right or provision does not waive our ability to enforce it later.