User Agreement

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By accessing and using the website www.jsbullion.com and any services offered by PSBullion—including placing Sales Orders with PSBullion or submitting Purchase Orders to PSBullion—you agree to be bound by the following terms and conditions, including those referenced via hyperlink (collectively referred to as the “User Agreement”). These terms govern all Orders, Sales, and Purchases, regardless of whether they are conducted through the website, over the phone, or by any other means.

This agreement is divided into 10 sections. You can navigate directly to any section by clicking the corresponding link below. The section titles and subtitles are provided for convenience only and do not restrict the content of each section. Certain capitalized terms are defined specifically in Section 13 (Definitions). Underlined terms in this Agreement and on our website serve as hyperlinks to related information.

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This User Agreement governs your sale and purchase transactions—including placing sales orders with PSBullion and submitting purchase orders to PSBullion, as applicable—and is incorporated by reference into and forms an essential part of the PSBullion website.

Buying from Us

  • Minimum Sales Orders
    • There is no minimum Sales Order for shipments within the U.S., regardless of the payment method. We do not accept foreign sales orders at this time.
    • There is no maximum Sales Order. However, PSBullion reserves the right to request a ten percent (10%) deposit on Sales Orders deemed “significant” by PSBullion in its sole discretion, before we will accept and confirm the Sales Order and lock in prices. On Sales Orders greater than $500,000.00 (USD), we recommend that you contact our Sales Department at (800) 867-5309 to determine if a deposit will apply.
  • Sales Order Price Confirmations
    • When you place an order with us online, the price at which your Sales Order is submitted is guaranteed—no additional commissions apply. The only extra costs are for shipping, handling, and insurance. You’ll receive a confirmation number via email once your order is placed. Your locked-in price is valid for 3 business days, giving you that time to complete your payment. To secure the guaranteed price, your payment must be dated within 24 hours of your confirmed order and received by PSBullion within 5 business days.
  • Cancellations of Sales Orders with PSBullion
    • Once a Sales Order confirmation has been issued, meaning that (a) all prices are finalized, and (b) a binding agreement is established between us for your transaction, then at that point the Sales Order cannot be cancelled by you for any reason. At this point, any market risk associated with a breach is transferred to you. This provides a clear advantage—you will know your exact price at the time of confirmation, which we consider one of the key benefits of doing business with PSBullion. If you fail to fulfill your obligations—such as making payment, arranging shipment, or performing any required action—you would then be in breach of the Sales Order contract and we reserve the right to cancel your Sales Order(s). Additionally, we retain the right to cancel any Sales Order at any time and for any reason.
    • Any Sales Order cancellations are subject to our Market Loss Policy plus the greater of $50 or 5% of the order total fee. Sales Order cancellations will be confirmed, and you will be given a cancellation number. At that time, if any Market Loss to PSBullion has occurred, it will be calculated and added to the greater of $50 or 5% of the order total fee. If applicable, you agree you have full responsibility and liability to PSBullion for any cancellation fee and/or Market Loss and you agree to remit immediately (upon notice) to PSBullion good funds for any cancellation fee and/or Market Loss. No future Orders by you will be permitted unless and until any Market Loss is paid in full. Any Market Gain on Sales Order cancellations vests in and shall remain the property of PSBullion. Upon written confirmation by PSBullion of your payment of the greater of $50 or 5% of the order total fee plus the Market Loss, we will forgive further action against you and your responsibility for any breach by you and all resulting damages owed to PSBullion.
  • Sales Order Changes
    • Because a Sales Order may not be changed, we suggest you take the time up front when submitting your Sales Order to make sure that what you include in the Sales Order is exactly what you are requesting us to sell to you.
  • Sales Order Payment Requirements
    • When you buy from us, you must ensure that your payment is received by PSBullion by no later than 2 Business Days from the date your Sales Order is placed in order to realize your locked-in price. If you fail to make the payment within the 2 day period and default, then PSBullion reserves the right in its sole discretion to either: (a) accept your payment; (b) refuse your payment and cancel your Sales Order; (c) close your account; and/or (d) preclude you from placing future trades or from making future Sales from PSBullion.
    • It is always best to send us your payment immediately to complete your transaction with PSBullion and avoid any possible default so you can realize the locked-in price as of your confirmation time. When making payment by mail or wire, we recommend making payment the same day your Sales Order is placed and, when mailing payment, that you use a courier service that offers priority delivery and which provides you with a tracking number to ensure timely delivery and tracking capabilities.
    • If you default and your payment is not timely received by PSBullion and a decline in the market price occurs, you will be liable for any Market Loss per our Market Loss Policy. You agree you have full responsibility and liability to PSBullion for any cancellation fee and/or Market Loss. Any Market Gain on cancellations shall vest in and remain the property of PSBullion.

Sending Your Payment

  • Payment instructions will be issued online on the final page of the online Sales Order process and again by email after you place your Sales Order. Payment must be dated within 24 hours of your Sales Order date. If you default and you do not meet these requirements, PSBullion reserves the right to cancel Sales Orders. PSBullion does not accept C.O.D. Sales Orders. We reserve the right to refuse or cancel any Sales Order at any time, including if it is deemed questionable or of significant risk to PSBullion regardless of payment method and price confirmation and in such case, you waive any right to any claim or actual damages of any kind or nature whatsoever.
  • Payment Options
    • Please note that Bank Wire payments must be received within 3 business days.
    • Credit card Sales Orders, regardless of amount, are evaluated individually. At PSBullion’s sole discretion, such orders may require additional documentation or verification and are subject to prior approval. PSBullion reserves the right to decline any credit card payment at its sole discretion.
  • Collection Period on Checks
    • We deposit all certified checks and cashier’s checks for collection and the typical period before we authorize shipment is from 5-10 Business Days. Personal checks are deposited for collection and the typical period before we authorize shipment is from 5-10 Business Days, regardless of when such checks may clear the banking system.
  • Wiring Funds
    • Once you have placed a Sales Order and we have issued a confirmation number, we will provide you wire instructions, including our bank name, ABA routing number and account number.
  • Good Funds Policy
    • Good funds is the day we receive your direct bank wire, and from 5-10 Business Days from the day we receive your cashier’s check, certified check or personal check. Additional delays may occur for checks if your bank does not cooperate in assisting us with the information needed to verify your transaction.
  • Credit Cards
    • We may accept, but are not obligated to accept, credit card payments for Sales Order(s). We do recommend paying for smaller Sales Orders by credit card. All credit card Sales Order requests are reviewed on an order by order basis. In addition, we will only ship to the credit card billing address. Please confirm that the ship to address is the same as the mailing address in your online account before placing credit card Sales Orders. We reserve the right to refuse any Sales Order deemed questionable or of significant risk to PSBullion regardless of payment method and price confirmation and in such case, you waive any right to any claim or actual damages of any kind or nature whatsoever. We do not accept credit card payments for international Sales Orders. PSBullion has the right to refuse any credit card payment in its sole discretion.
  • ACH or Online Payments for Sales Orders
    • We do not accept ACH transactions for Sales Orders. We do accept online bill payments in check form only. They will be treated the same as a personal check regarding shipment date. We will ship the Products(s) 5-10 Business Days after we receive the check.
  • Currencies
    • We currently accept payments for Sales Orders in U.S. dollars (USD).

Shipping Your Product

  • Your Sales Orders are shipped by us by common carrier unless otherwise expressly agreed by PSBullion and you based on the particular circumstances, such as shipment weights or transaction amounts.
  • Insurance for Sales Orders
    • PSBullion insures all Sales Order shipments to you while in transit for the sales value of the enclosed Product shipped from PSBullion, subject to the following limitations:
      • You must be prepared to be physically present at the shipping address when the shipment is delivered by common carrier.
      • Should anything happen while your package is in transit to you by common carrier, you might be permitted to claim coverage under our insurance policy provided that you directly receive the package from the common carrier.
      • We must be notified of a lost package within thirty (30) days from the shipment date of your order. We must be notified within two (2) days from the delivery date if a package has been received damaged or tampered with. Failure to provide such notice may jeopardize the insurance coverage.
      • We are not responsible for any packages that are delivered by a common carrier without your direct acceptance, without a signature, or to anyone other than the intended recipient. Neither PSBullion nor our insurance provider assumes liability—and we expressly disclaim any responsibility—if you have authorized a carrier or delivery service to leave packages without requiring a signature.

        Additionally, we are not liable—and our insurance coverage does not apply—if you instruct the carrier or delivery service, or if the delivery address requires the carrier, to leave your package with a third party. This includes, but is not limited to, building managers, neighbors, or commercial drop-off locations such as Mail Boxes Etc., The UPS Store, or any similar service.

        In any of these scenarios, you accept full responsibility for the package and assume all risk of loss. Insurance coverage may not be available through PSBullion or our insurer under these circumstances.
      • If you do not receive the package directly from the common carrier, you agree to take all reasonable actions to assist in recovery of the package, including but not limited to filing reports (and/or police reports), signing of an affidavit, and providing all information needed or that may be requested to assist in recovery of the package. If you do not fully cooperate in recovery efforts, PSBullion, our insurance company or the carrier, will not have any liability to you.
      • When we ship to you, if Products are lost or damaged in transit, it is our responsibility to pursue any claim with the insurance company. If we determine the package is lost or damaged, we file a claim. Once the claim is filed, we reserve the right to re-ship your items or refund your money at our discretion, and PSBullion shall have no further responsibility or liability to you. If there is any disruption in the delivery of a package to you, you agree to cooperate with us in any investigation or claim process and to take every reasonable action requested of you in the process. Failure to fully cooperate will jeopardize coverage that may be provided to you.
      • Our responsibility for a package ends once that package is delivered.
  • Back Ordered Items
    • Supply and demand problems occasionally occur in our business. From time to time, we have more buyers than sellers. If this should happen, we reserve the right to delay delivery of your Sales Order(s) up to 28 calendar days (from your expected shipping date) to fill your Sales Order. Provided that you have not defaulted in any term of your completed transaction, even if the price were to rise, your price is locked-in. We will deliver Bullion (non-Numismatic) Product within 28 calendar days. If your Sales Order included a Numismatic or supply item from PSBullion and we are sold out, we will either place it on back order, attempt to locate another or refund your original sales price, in our sole discretion. If a refund is provided or there is any delay in sending your Products, you waive any right to any claim or actual damages of any kind or nature whatsoever

Return Policy

  • We want our customers to be satisfied with their sales at PSBullion. At your request, we may, but are not obligated to, provide you with an opportunity to exchange a Product for an identical Product in the event of a material defect. If we agree to do so, such exchange must be made within seven (7) days from the date on which the customer receives his or her Product(s) and only to those customers who timely and properly notify our Customer Service Department by telephone at (800) 867-5309, and who receive written confirmation that the exchange request has been approved. If approved, the Customer Service Department will give you instructions on how to exchange your items.
  • Shipping and handling charges are non-refundable. For approved exchanges, you must follow all instructions provided by Customer Service, including carefully packaging the Product. You are responsible for the cost of return shipping and the risk of loss during the return shipment as part of the exchange. PSBullion reserves the right, at its sole discretion, to reject any exchange that does not comply with these requirements. If an exchange is requested, we reserve the right to accept or refuse the exchange request in our sole discretion, and to require you to pay for any Market Loss on approved exchanges. Any Market Gain on refunds shall vest in and remain the property of PSBullion.

Risks

  • All investments involve risk; Coins and Bullion are no exception. The value of a Bullion Coin (e.g., American Eagles or Canadian Maple Leafs) is affected by many economic factors, including the current market price of Bullion the perceived scarcity of the Coins and other factors. Some of these factors include the quality and current demand and general market sentiment.
  • Therefore, because both Bullion and Coins can go down in price as well as up, investing in them may not be suitable for everyone. Because all investments, including Bullion and Coins, can decline in value, you should understand them well, and have adequate cash reserves and disposable income before considering a Bullion or Coin investment. Please consult your financial advisor.
  • PSBullion does guarantee that every item that we sell is genuine and that all Precious Metal items do contain the weight, fineness, and purity that we have advertised. However, all investments, of every type, involve some level of risk and Precious Metals are no exception. Like many markets, the Precious Metals market is speculative, and it is unregulated. The value of any Bullion item is generally determined by current spot price of the underlying Precious Metal, and by the supply and demand for these particular items. These prices will fluctuate throughout the day while the Precious Metals market is open. If you are considering purchasing Precious Metals as an investment, you should assess the stability of the current market and contact your financial advisor for all advice.

Market Loss Policy

  • When you buy from PSBullion, once we have issued a Sales Order confirmation number, you have a binding contract, the transaction price is locked-in and any corresponding market risk is transferred to you. This is a benefit to you because you know your price at your Sales Order confirmation time and we believe this is one of the key benefits of transacting with PSBullion. If you default in your performance of payment, shipment or any other act required by you, we may cancel your Sales Order(s). If your Sales Order(s) is cancelled, you agree you have full responsibility and liability to PSBullion for any Market Loss, plus the greater of $50 or 5% of the order total fee. You must also pay, and have full responsibility and liability to, PSBullion for all fees and costs associated with PSBullion’s efforts in collecting from you. Any Market Gain on Sales Order cancellations shall vest in and remain the property of PSBullion, and PSBullion shall have no responsibility to you for Market Gain. We reserve the right to cancel any Sales Order at any time and for any reason. All future Sales Orders will be held for shipment until any/all outstanding Market Loss and/or cancellation fee balances have been paid in full.

Binding Contract

  • Once you have placed a Sales Order to buy from PSBullion or a Purchase Order to sell to PSBullion, you have entered into a binding contract.

General Provisions

  • Absence of Relationship
    • The sole relationship between PSBullion and you is that of buyer-seller. No other relationship, including, without limitation, any agent-principal relationship, any employee-employer relationship, any franchisee-franchisor relationship, any joint venture relationship or any partnership relationship, between PSBullion and you exists.
  • Additional Items
    • Additional terms relating to certain Products (such as prices, methods of payment, our policies with respect to returns, refunds, and cancellations and/or exchanges) may be posted on the site on the pages describing the Products.
  • Assignment
    • You may not assign any of your rights or obligations under this User Agreement without the prior written consent of PSBullion, which may be granted or withheld by PSBullion in its sole discretion. This contract, including but not limited to the User Agreement, shall be binding on all permitted assigns and successors of PSBullion and you.
  • Dispute Resolution
    • It is PSBullion’s goal that any disagreement or dispute be resolved amicably and expeditiously. We encourage you to contact Customer Service at (800) 867-5309 or a business-consumer intermediary (such as a local better business bureau). Prior to filing a lawsuit both parties will first participate in mediation. If an amicable resolution cannot be reached between us, such disagreement or dispute shall be resolved in accordance with the following paragraphs:
    • Forum Selection and Governing Law.
      • The federal and state courts located in Maricopa County, Arizona, shall have exclusive jurisdiction of all actions arising out of or relating to the transactions between you and PSBullion, including but not limited to the User Agreement. All such disagreements and disputes shall be resolved exclusively in such federal and state courts, as appropriate, in that jurisdiction. You hereby consent to personal jurisdiction and venue in those federal and state courts for the purpose of resolving any disagreements or disputes between us and waive all objections to the jurisdiction of such federal and state courts. Any action arising out of or relating to the User Agreement shall be governed by, and interpreted in accordance with, the laws of the State of Arizona, without regard to conflict of laws principles.
    • Waiver of Jury Trial;
      • Both PSBullion and you hereby waive the right to a trial by jury in connection with any dispute arising out of or relating to the User Agreement and the transactions between them.
  • Force Majeure
    • If PSBullion cannot perform any obligation hereunder as a result of any event that is beyond its control, PSBullion’s delay or failure to perform such obligation shall be excused and PSBullion shall not be liable for any damages as a result of, or in connection with, such delay or such failure.
  • Further Assurances
    • You shall execute and deliver such other documents and take such other actions as may be reasonably requested by PSBullion to carry out your obligations under the User Agreement.
  • Notices
    • Except as otherwise provided herein, all notices and other communications to PSBullion shall be directed to PSBullion and all other notices and other communications to you shall be directed, at the option of PSBullion, to the address that you provided to PSBullion at the time of your registration.
  • Recording of Phone Conversations
    • PSBullion may record phone conversations between us, and you expressly consent to the recording of such phone conversations.
  • Absence of Waivers
    • A decision or a failure by PSBullion to take action with respect to any non-compliance by you of your obligations to PSBullion or to insist upon strict adherence to any term in the User Agreement, does not affect the ability of PSBullion with respect to any other non-compliance by you, and does not waive or limit PSBullion’s right thereafter to insist upon strict adherence to that or any other term, whether of a similar or dissimilar nature.
  • Pricing or Typographical Errors
    • We work hard to provide accurate Product and pricing information to you. However, pricing or typographical errors may occur. In the event that an item is listed at an incorrect list price or with incorrect information due to an error in pricing or Product information, PSBullion shall have the right, at our sole discretion, to refuse or cancel any Sales Orders or Purchase Orders placed by or sent to you for that item. We will either contact you for instructions or cancel your Sales Order or Purchase Order and notify you of such cancellation. Prices and availability are subject to change without notice. If a refund is provided or there is any delay in sending you your Products or your payment, as the case may be, you waive any right to any claim or actual damages of any kind or nature whatsoever.
  • Security
    • PSBullion takes security very seriously. Our security measures protect the loss, misuse and alteration of all information under our control. Our system is based on the SSL (Secure Socket Layer) encryption standard. Provided you are using an SSL-compliant browser such as Microsoft Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari, you’ll be able to conduct fully-protected transactions that encrypt all of your personal information, including credit card number, name and address, so it cannot be read as the information travels from you to PSBullion. Furthermore all of the customer data we collect is protected against unauthorized access. See our Privacy Policy for additional information.
  • Section Headings
    • The section headings are included for ease of reference and do not affect the interpretation or the scope of the User Agreement.
  • Severability
    • The User Agreement is intended to be enforceable to the fullest extent permitted by applicable law. If any term of the User Agreement is held to be unenforceable for any reason, such unenforceability shall not affect the other terms of the User Agreement, and the term that would otherwise be unenforceable shall be enforced to the fullest extent that it would be enforceable.
  • Amendment
    • PSBullion may amend the User Agreement at any time by posting the amended terms on the Website and such amendments shall become effective immediately.
  • Entire Agreement
    • The User Agreement, the Privacy Policy and confirmations of the Sale or Purchase transactions hereunder set forth the entire understanding between PSBullion and you with respect to the subject matter of our transactions.
  • User Content and Conduct
    • At times, if and where applicable at the Website, you may be invited to post User Content. You understand that all User Content, whether you have publicly posted on a forum or privately transmitted to another or to us, is your sole responsibility. Though the Website is designed to be a safe place to share such User Content, PSBullion cannot guaranty that other users will not misuse the User Content that you share. If you have any User Content that you would like to keep confidential or do not want others to use, do not post it to the Website. Under no circumstances will PSBullion be liable in any way for any User Content, including, but not limited to, any errors or omissions in any User Content, or for any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed or otherwise transmitted via the Website. The PSBullion entities are not responsible for a user’s misuse or misappropriation of any User Content you posted at the Website.
    • By posting any User Content at the Website, you hereby grant PSBullion and its designees a royalty-free, fully paid-up, perpetual, irrevocable, non-exclusive and fully sub-licensable right and license to use, reproduce, modify, adapt, publish, translate, combine with other works, create derivative works from, distribute, perform, edit and display such User Content (in whole or part), throughout the world in any form, media, or technology now known or later developed. You specifically waive any “moral rights” in and to the User Content. The foregoing grant includes, without limitation, any copyrights and other intellectual property rights in and to your User Content. You represent and warrant that: (a) you own the User Content posted by you or otherwise have the right to grant the license set forth in this section; and (b) the posting of your User Content at the Website does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person. You agree to pay for all royalties, fees, and any other monies owing any person by reason of any User Content you post at the Website.
    • You acknowledge and agree that PSBullion may preserve User Content and may also disclose User Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claim(s) or assertion(s) that any User Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of PSBullion, its users and the public. You understand that the technical processing and transmission of the Website, including your User Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.
    • You agree to each of the conditions in this Agreement and further agree that each of these conditions applies forever and broadly with regard to PSBullion worldwide. Posting of User Content to or through the Website, including ideas or disclosures of opinions, is voluntary on your part. No confidential or contractual relationship is established by your posting of User Content or is to be implied by our review or subsequent use of your User Content. PSBullion shall not be liable for any disclosure of any User Content, including opinion(s) or suggestion(s), you post to or through the Website. PSBullion shall be entitled to unrestricted use of any User Content it may receive from you at the Website, for any purpose whatsoever, commercial or otherwise, without compensation to you as the provider of the User Content.
    • You agree that you will not use the Website to:
      1. Upload, post, email or otherwise transmit any User Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
      2. Harm minors in any way;
      3. Impersonate any person or entity, including, but not limited to a representative of PSBullion, or falsely state or otherwise misrepresent your affiliation with a person or entity;
      4. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any User Content transmitted through the Website;
      5. Upload, post, email or otherwise transmit any User Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
      6. Upload, post, email or otherwise transmit any User Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
      7. Upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas that are designated for such purpose;
      8. Upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, emulate, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
      9. Disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Website are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real-time exchanges;
      10. Interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies or regulations of networks connected to the Website;
      11. “Stalk” or otherwise harass another; or
      12. Collect or store personal data about other Website users.
    • You understand that by using the Website, you may be exposed to User Content created by others that is offensive, indecent or objectionable. PSBullion does not endorse or have control over User Content. User Content is not reviewed by PSBullion prior to posting and does not reflect the opinions or policies of PSBullion. PSBullion makes no representations or warranties, express or implied as to User Content or the accuracy and reliability of User Content or any other material or information that you may access through the Website. PSBullion assumes no responsibility for monitoring the Website for inappropriate submissions or conduct. If at any time PSBullion chooses, in its sole discretion, to monitor the Website, PSBullion nonetheless assumes no responsibility for User Content, has no obligation to modify or remove any inappropriate User Content, and has no responsibility for the conduct of the Website users submitting any such User Content. Notwithstanding the foregoing, PSBullion and its designees shall have the right to remove any User Content that violates this Agreement or is otherwise objectionable, in PSBullion sole discretion. You agree that you must evaluate, and bear all risks associated with, the use of any User Content, including any reliance on the accuracy, completeness, or usefulness of such User Content. In this regard, you acknowledge that you may not rely on any User Content.
    • You are solely responsible for your interactions with other Website users. PSBullion reserves the right, but has no obligation, to monitor disputes between you and other Website users and to terminate your Website access if PSBullion determines, in its sole discretion, that doing so is prudent.

Terms of Use

    • This website is owned and operated by PSBullion. Access and use of this website is provided by PSBullion to you on condition that you accept these Terms of Use, and by accessing or using this website, you agree to these Terms of Use. If you do not agree to accept and abide by these Terms of Use you should not access or use this website.
    • PSBullion may revise and update these Terms of Use at any time and without notice. You are cautioned to review the Terms of Use posted on the website periodically. Your continued access or use of this website after any such changes are posted will constitute your acceptance of these changes.
  • Use of the Site
    • This website and its contents, including photography and other PSBullion-owned assets, (the “Content”) are intended for customers of PSBullion. You may not use this website or the Content for any purpose not related to your business with PSBullion. You are specifically prohibited from: (a) downloading, copying, or re-transmitting any or all of the website or the Content without, or in violation of, a written license or agreement with PSBullion; (b) using any data mining, robots or similar data gathering or extraction methods; (c) manipulating or otherwise displaying the website or the Content by using framing or similar navigational technology; (d) registering, subscribing, unsubscribing, or attempting to register, subscribe, or unsubscribe any party for any PSBullion product or service if you are not expressly authorized by such party to do so; and (e) using the website or the Content other than for its intended purpose, as determined solely in PSBullion’s discretion, including but not limited to, to defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy) of others, and/or to publish, post, distribute or disseminate any defamatory, infringing, obscene, pornographic, sexual, indecent or unlawful material or information.
    • You may not interfere with the security of, or otherwise abuse this website or any system resources, services or networks connected to or accessible through this website. You may only use this website for lawful purposes.
  • Intellectual Property
    • All materials, including the organization and presentation of such material, on this website, including wholly owned brand assets such as photography (the “Materials”) are the property of PSBullion and its licensors and may be protected by intellectual property laws including laws relating to copyrights, trademarks, trade names, internet domain names and other similar rights.
    • Unless you have entered into a separate agreement with PSBullion, any other use of these Materials without PSBullion’s written permission is prohibited. Action taken as a result of use of Materials without express written permission from PSBullion is at the discretion of PSBullion and our legal team.
  • Trademarks
    • PSBullion and any other product or service name or slogan contained in the Site are trademarks of PSBullion and may not be copied, imitated or used, in whole or in part, without the prior written permission of PSBullion or the applicable trademark holder. You may not use any “hidden text” utilizing “PSBullion” or any other name, trademark or product or service name of PSBullion without our prior written permission. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of PSBullion and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Definitions

  • The following terms have the following meanings in the User Agreement:
  • PSBullion
    • The term “PSBullion” means PSBullion LLC, an Arizona corporation.
  • Bullion
    • The term “Bullion” means the term that is used to describe (1) Gold, Silver, Platinum or Palladium Coin(s), bar(s) or round(s) which closely follow spot prices and have little or no Numismatic value (such as restrikes); and (2) the form in which metal is shaped such as bars, ingots or wafers.
  • Business Day(s)
    • The term “Business Day(s)” means a day other than a Saturday, a Sunday or a day that is a holiday under the federal law of the United States of America and/or the laws of the State of Arizona.
  • Coin(s)
    • The term “Coin(s)” means a stamped piece of metal of a known weight and fineness issued by a sovereign government.
  • eCheck
    • An eCheck is a check generated by PSBullion on your behalf in the amount of your sales order using the banking information that you provided, that will be deposited into our bank either the same day your order is placed or the following day.
  • Fair Market Value
    • The term “Fair Market Value” means the Fair Market Value of the Product as determined by PSBullion, in its reasonable discretion, as of 5 p.m. (CT) on the date of cancellation of the Sales Order or the Purchase Order.
  • Market Gain
    • The term “Market Gain” means:
      1. When a Sales Order or Sale, as the case may be, is cancelled by PSBullion, Market Gain occurs when the Fair Market Value of the Product(s) on the date of the cancelled Sales Order or Sale is greater than the original sales price of the Product(s) as it appears on the cancelled Sales Order.
      2. When a Purchase Order or Purchase, as the case may be, is cancelled by PSBullion, Market Gain occurs when the Fair Market Value of the Product(s) on the date of the cancelled Purchase Order or Purchase is less than the original purchase price of the Product(s) as it appears on the cancelled Purchase Order.
  • Market Loss
    • The term “Market Loss” means:
      1. When a Sales Order or Sale, as the case may be, is cancelled by PSBullion, Market Loss occurs when the Fair Market Value of the Product(s) on the date of the cancelled Sales Order or Sale is less than the original sales price of the Product(s) as it appears on the cancelled Sales Order.
      2. When a Purchase Order or Purchase, as the case may be, is cancelled by PSBullion, Market Loss occurs when the Fair Market Value of the Product(s) on the date of the cancelled Purchase Order or Purchase is greater than the original purchase price of the Product(s) as it appears on the cancelled Purchase Order.
  • Numismatics
    • “Numismatics” refers to the study or collection of anything used as a medium of exchange.
    • “Numismatic Coins” refers to a coin, the price of which depends more in its (their) rarity, condition, dates and mintmarks than on their Precious Metal content, if any.
  • Order(s)
    • The term “Order(s)” means, as applicable, a confirmed Sale by a customer or Purchase by PSBullion, whether such Order was made through the Website, by telephone, in person or otherwise.
  • Precious Metal(s)
    • The term “Precious Metal(s)” means Gold, Silver and Platinum along with the Platinum group of elements: rhodium, osmium, ruthenium, Palladium and iridium. Precious Metals are characteristically lustrous, ductile, rare and nonreactive.
  • Product(s)
    • The term “Product(s)” means a Product that is the subject of an Order. A Product may include, without limitation, Bullion, a Coin, whether Numismatic, Semi-Numismatic or not, a Precious Metal, and/or supplies.
  • Purchase(s)
    • The term “Purchase(s)” means the acquisition of Product(s) by PSBullion from a customer, whether made through the Website, by telephone, in person or otherwise, with the number, quality and price confirmed. A Purchase is distinct from the acquisition by a customer from PSBullion of a Product, which is treated as a Sale hereunder.
  • Purchase Order(s)
    • The term “Purchase Order(s)” means an Order placed by PSBullion with a customer for the acquisition by PSBullion of Product(s) from the customer.
  • Sale(s)
    • The term “Sale(s)” means the acquisition of Product(s) by a customer from PSBullion, whether made through the Website, by telephone, in person, or otherwise, with the number, quality and price confirmed. A Sale is distinct from the acquisition by PSBullion from a customer of a Product, which is treated as Purchase hereunder.
  • Sale Order(s)
    • The term “Sale Order(s)” means an Order placed by a customer with PSBullion for the acquisition by the customer of Product(s) from PSBullion.
  • Semi-Numismatic
    • The term “Semi-Numismatic” means a Coin that has both Bullion and Numismatic value.
  • User Content
    • The term “User Content” means content posted by you on the Website, including without limitation any images or testimonials.
  • Website
    • The term “Website” means the websites located at www.PSBullion.com
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