Terms and Conditions
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. All users of this site agree that access to and use of this site are subject to the following terms and conditions and other applicable law. If you do not agree to these terms and conditions, please do not use this site.
The entire content included in this site, including but not limited to text, graphics or code is copyrighted as a collective work under the United States and other copyright laws, and is the property of International Precious Metals. The collective work includes works that are licensed to International Precious Metals. Copyright 2008, International Precious Metals ALL RIGHTS RESERVED. Permission is granted to electronically copy and print hard copy portions of this site for the sole purpose of placing an order with International Precious Metals or purchasing International Precious Metals products. You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the site solely for your own non-commercial use, or to place an order with International Precious Metals or to purchase International Precious Metals products. Any other use, including but not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited, unless authorized by International Precious Metals. You further agree not to change or delete any proprietary notices from materials downloaded from the site.
Trademarks
All trademarks, service marks and trade names of International Precious Metals used in the site are trademarks or registered trademarks of International Precious Metals
Warranty Disclaimer
This site and the materials and products on this site are provided "as is" and without warranties of any kind, whether express or implied. To the fullest extent permissible pursuant to applicable law, International Precious Metals disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement. International Precious Metals does not represent or warrant that the functions contained in the site will be uninterrupted or error-free, that the defects will be corrected, or that this site or the server that makes the site available are free of viruses or other harmful components. International Precious Metals does not make any warrantees or representations regarding the use of the materials in this site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. Some states do not permit limitations or exclusions on warranties, so the above limitations may not apply to you.
Limitation of Liability
International Precious Metals shall not be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this site or performance of the products, even if International Precious Metals has been advised of the possibility of such damages. Applicable law may not allow the limitation of exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.
Typographical Errors
In the event that an International Precious Metals product is mistakenly listed at an incorrect price, International Precious Metals reserves the right to refuse or cancel any orders placed for product listed at the incorrect price. International Precious Metals reserves the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is cancelled, International Precious Metals shall issue a credit to your credit card account in the amount of the incorrect price.
Term; Termination
These terms and conditions are applicable to you upon your accessing the site and/or completing the registration or shopping process. These terms and conditions, or any part of them, may be terminated by International Precious Metals without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.
Notice
International Precious Metals may deliver notice to you by means of e-mail, a general notice on the site, or by other reliable method to the address you have provided to International Precious Metals.
Miscellaneous
Your use of this site shall be governed in all respects by the laws of the state of Texas, U.S.A., without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the purchase of International Precious Metals products) shall be in the state or federal courts located in Hardin County, Texas. Any cause of action or claim you may have with respect to the site (including but not limited to the purchase of International Precious Metals products) must be commenced within one (1) year after the claim or cause of action arises. International Precious Metal's failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. International Precious Metals may assign its rights and duties under this Agreement to any party at any time without notice to you.
Indemnification
You agree to indemnify, defend, and hold harmless International Precious Metals, its officers, directors, employees, agents, licensors and suppliers (collectively the "Service Providers") from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account.
Third-Party Links
In an attempt to provide increased value to our visitors, International Precious Metals may link to sites operated by third parties. However, even if the third party is affiliated with International Precious Metals, International Precious Metals has no control over these linked sites, all of which have separate privacy and data collection practices, independent of International Precious Metals. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, International Precious Metals seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own site, but for sites it links to as well (including if a specific link does not work).
Important considerations before you acquire any coin:
Future Projections of Value:
When IPM makes projections as to the future value of a coin, we take into account the past history, as well as current events, to describe what may happen to the value of the coin. We carefully consider such things as:
1.) Past Performance: We base our projections for rare coin prices in part on the history of rare coin performance. If certain rare coins made gains under certain conditions in the past, they have the potential to also increase in value if similar conditions exist in the future.
2.) Economic Forecasts: For the next three to five year period, or the next 10 year period, we use a variety of analyses and forecasts to determine the kind of economic environment we expect to see.
3.) Supply and Demand: IPM always takes into account the factors of supply and demand. These factors are critical to the success of any rare coin investment. Over the past 25 years, the number of surviving original mint condition investment grade rare coins has remained fixed, yet the number of collectors is estimated to be five times more than in the 1960’s.
Investor Grades:Most historic United States coins we sell at IPM are investor-grade-certified by independent third-party grading specialists including Professional Coin Grading Services (PCGS) and Numismatic Guarantee Corporation (NGC). Expert third-party grade certification offers buyers the additional protection of independent grading. In addition, when a coin is graded by an independent grading service, the company often provides its own guarantee of grading accuracy (please contact the grading service identified on the coin holder(s) for details; IPM does not independently guarantee the grading accuracy of any coin sold).
Uncertified Coins: Uncertified coins are graded by IPM according to our experience and knowledge of the market. However, the interpretations of various published standards for grading, including those upon which IPM relies, have changed over time and could change in the future. Terms used to describe uncertified coins, including adjectival and numerical descriptions of coins are the opinion of IPM and not an attribution. Therefore, no warranty, either express or implied, is made by IPM with respect to such grading since the standards used to make grading determinations can and do vary amongst experts.
Risk: While rare coins often represent an excellent investment, you should be aware that the purchase of coins, like any other investment, involves risk. The value of any rare coin fluctuates over time based on supply and demand. The value of any rare coin may therefore go up as well as down over any given period of time.
Appreciation: Because of the difference between any coin dealer’s buy price and its selling price, your purchase has to appreciate before you can recover the purchase price. Coins are not an overnight get-rich-quick opportunity; some appreciate substantially, but others do not. Like many other investments that may appreciate over time, rare coins require patience and a willingness to hold an investment which offers no current income.
Prices: IPM prices are generally (but not always) lower than or competitive with those you might find elsewhere. We feel that our prices reflect the quality of the coins we are selling; the effort we put into obtaining such quality coins; and the assurance we give buyers through our liberal return policies (see Terms & Conditions, below). IPM provides other exceptional services including toll-free order lines, free rare coin consultation, extraordinary customer service and 24-hour availability.
Credit Cards: Your Visa, MasterCard, American Express, and Discover cards are always welcome at IPM for the purchase of items promoted by IPM, when acquired under the stated terms of the promotion.
Collector Coins: Some coins we offer may have an as-yet unproven investment potential. Many of these unusual, beautiful and highly sought-after items are often recommended as collectibles. In our advertising we do not recommend them as investments, and we make no claims as to the future value or growth projections for such collectibles. These are often inexpensive items, or have a high premium over their precious-metals content, and are often purchased because of their unique beauty rather than their investment potential, though they well may appreciate in value in the future.
Investor Coins: Some coins we offer may be described as rare and, we believe, suitable for investment. IPM attempts to identify these as investment coins, and will happily discuss with you the history of any such coin, its historic growth in value and its potential for future increases in value, as we see it. As the future is unknown, however, no guarantee, express or implied, is made concerning the investment performance of any coin or its value in the future. Coins described or categorized as rare coins have historically enjoyed the potential for particularly large gains in value, and as such many may be rightly seen as having sound potential as investment holdings. IPM expressly cautions the prospective investor that due to factors particular to the rare coin market, gross margins charged on rare coin sales often exceed those of other investment vehicles. Therefore, rare coins should be considered to be long-term investments with a holding period of at least three (3) to five (5) years. This time frame is a guideline only and should in no way be construed as a guarantee that any coin will ever realize any particular value.
Buyback Policy: IPM’s general policy is to offer buyback services to its clients, and encourages clients to give IPM first opportunity to serve them when choosing to liquidate or reallocate a coin holding. It is IPM policy to offer clients “fair market value” at all times, on all coins originally acquired through IPM. IPM defines fair market value accordingly: The price that IPM might immediately realize by selling a coin to another dealer on a wholesale basis, in addition to commission and transaction charges that are usual and customary in the retail coin market. IPM offers no guarantee that its bid offers might be equal to or higher than those of any other dealer or broker, nor shall competing bid offers alter the above definition of fair market value.
Terms and Conditions to accompany and apply to each purchase from IPM:
As a material part of your purchase you agree to accept the following Terms and Conditions of Sale. Holding your purchase beyond the limits of the return policies stated below constitutes your acceptance of these Terms and Conditions:
Guarantee:
OUR GUARANTEE:
“If you are not satisfied with your purchase FOR ANY REASON, we will happily give you a refund within FIFTEEN (15) DAYS of the sale.” What this means is that we will give you your money back, excluding shipping and insurance charges (if any), so long as you do the following:
1.) Return the purchase to us within FIFTEEN (15) DAYS of the day you purchased it. The purchase must arrive in our store within Fifteen Days of the date on your receipt.
2.) Return the purchase to us in the ORIGINAL PACKAGING, with the coins in the same condition in which they were purchased, with their holders not being tampered with or otherwise disturbed. We cannot accept returns in cases where original, sealed packaging or holders have been opened or subject to other tampering, because this can bring into question the circulation quality, and thus the value, of the coins.
EXCEPTIONS:
All sales or trades of one-ounce bullion products of any and all precious metals are FINAL, and cannot be returned to us. Bullion is ordinarily purchased in speculative hope that it will increase in value. While this is often the case, sometimes it is not, and we cannot guarantee the future value of any purchase. Due to the exceptional price volatility of these items we cannot accept returns on bullion sales. Additionally, no guarantee applies to transactions involving any coin or other item, which are a special order, or for which special price and/or payment terms have been negotiated. In such cases sales are considered to be final.
Return Policy:
If you paid CASH for your purchase, the full amount of the purchase will be refunded to you, less shipping and insurance charges, if any.
If you paid for your purchase with a credit card, we will credit the amount of your purchase to the card on which the purchase was made, less shipping and insurance charges, if any.
Choice of Law:
This sale occurred, for all purposes, in Hardin County, State of Texas; and a Court of proper jurisdiction in Hardin County, State of Texas is the sole forum for any legal disputes which may arise on account of any sales made by International Precious Metals, Inc. to anyone, or on account of any other dispute which may arise on account of the operation of International Precious Metals, Inc.
All items are offered for sale on a first-come, first-served basis and are subject to prior sale. All prices are subject to change without notice. All offers are void where prohibited by law. IPM is a division of Carl Wright Enterprises, Inc., and is not affiliated with the U.S. Mint or any government agency.
THANK YOU AGAIN FOR YOUR PURCHASE. Should you ever have any question or comment about us or your purchase, please call us immediately at 1-800-781-2090 ex 244.
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