Policies

Purchase Price:

Sales: The purchase price Customer has been quoted and agreed to pay includes TME's profit margin on the transaction. Within the Precious Metals industry, the difference between TME's cost on the day of the purchase (for the Precious Metals Customer has agreed to buy) and the retail price quoted to Customer is known as the "Spread." Spreads vary significantly - by Precious Metal, by customer, and over time. For Customer to make a profit, Customer must be able to sell the Precious Metals in the future for a price high enough to cover Customer's initial investment, including this Spread. Spreads may be subject to negotiation, and any Spread charged to Customer in a specific transaction may be more or less than the Spread charged to others in similar transactions or charged to Customer in prior or future transactions.

Re-purchases: The law prohibits TME from guaranteeing to re-purchase the Precious Metals TME sells, and TME does not guarantee that it will re-purchase any Precious Metals that Customer purchases. However, as of the date of the transmission of this Transaction Agreement, TME has never refused the opportunity to re-purchase Precious Metals that a customer purchased from TME. If you wish to sell your Precious Metals in the future, TME encourages you to offer them to TME first. Should TME make an offer to re-purchase Precious Metals you previously purchased from TME, it is TME's current practice, which is subject to change at its sole discretion, to offer to re-purchase Precious Metals that it commonly sells at the highest current wholesale price (offered by TME's suppliers) for such Precious Metals. TME's re-purchase offer may be raised or lowered on a daily, even hourly or more basis, depending upon various market conditions, inventory needs, and the price and availability of comparable Precious Metals. TME does not guarantee that any re-purchase offer will equal the price that TME would pay to acquire the same denomination/type and grade of Precious Metal from a wholesaler, or that any offer made will be higher or equal to what someone else might offer for the same Precious Metals.

Classification as Bullion, semi-Numismatic, or Numismatic: Whether a Precious Metal is classified as Bullion, semi-Numismatic, or Numismatic may turn on a number of objective and subjective factors, including the age of the Precious Metal, its condition, the number of known copies, the likelihood of additional minting, the originating country, relevant historical events or owners (e.g., shipwreck; royalty), relevance to the formation of various Precious Metal collections, and an investor's personal attraction to the piece. TME's classification of Precious Metals is only an opinion and may change over time (e.g., if additional quantities of the Precious Metal are discovered). In addition, given the subjective nature of the classification process, other dealers or investors may classify the same coin differently. TME's prices and spreads are based on its classification determination.

Investment Objectives; Holding Period; Investment Risk; No Advice; Commissioned Sales Representatives:

1. TME is a seller and purchaser of Precious Metals. While TME is always prepared to compare and contrast the different Precious Metals that are available for purchase or that TME is willing to purchase, Customer acknowledges and agrees that (i) no fiduciary relationship exists between TME and Customer, (ii) the decision to purchase or sell Precious Metals, and which Precious Metals to purchase or sell, are the Customer's decision alone, and (iii) purchases or sales are made subject to Customer's own prdence and judgment.
   
   
2. In TME's opinion, Precious Metals should be considered a long-term investment. Customer should be prepared to hold any Precious Metals purchased - whether from TME or elsewhere - for at least a three to five year period, and preferably five to ten years, to maximize the potential for gains. In TME's opinion, Customer should only invest capital that can be held for at least this period of time. However, Precious Metals, like all investments, carry capital risk. Precious Metals may appreciate, depreciate, or stay the same depending on a variety of factors. TME cannot guarantee, and makes no representation, that the Precious Metals will appreciate at all or appreciate sufficiently to make Customer a profit at the expiration of this or any other period of time.
   
   
3. In TME's opinion, Customer should not invest more than twenty percent (20%) of Customer's available investment funds in Precious Metals. Moreover, Precious Metals do not yield income and thus are not an appropriate investment vehicle for investors seeking current or future income.
   
   
4. The success of an investment in Precious Metals is dependent, in part, upon extrinsic economic forces including but not limited to supply, demand, international monetary conditions, and inflation or the expectation of inflation. The impact of these forces on the values of Precious Metals in general or any particular Precious Metal cannot be predicted. Customer acknowledges that the Precious Metals market can be volatile and that Precious Metal prices may rise or fall over time. Customer further acknowledges that past performance is no guarantee of future performance.
   
   
5. TME does not provide tax, investment, or legal advice or advisory services, and no one associated with TME is authorized to provide any such advice or services. Any written or oral statements by TME, its officers, agents, sales representatives, or other representatives relating to future events or the attributes of certain Precious Metals are opinions only. Such statements, if any, are not representations of fact.
   
   
6. TME's sales representatives are commissioned salespersons - i.e., their salary is based, at least in part, on the amount and profit margin of the Precious Metals they sell. In addition, from time to time, TME's sales representatives may receive other compensation tied to sales activity - e.g., sales contests; bonuses tied to the sale of certain denominations/types or grades of Precious Metals. TME's sales representatives are not licensed and their knowledge of Precious Metals and the Precious Metals marketplace varies markedly.
   
   
7. TME makes no representations regarding the tax consequences of holding Precious Metals as an investment in an IRA. Customer expressly acknowledges that Customer has been advised to seek independent tax advice, from a qualified professional, regarding the tax consequences of such an investment.

Grades:

1. TME is not a grading service. TME purchases Precious Metals for re-sale to its customers. TME is not a grading service. TME does not independently assess the Precious Metals it purchases for re-sale, but relies upon the opinions and assessments of independent grading services such as Professional Coin Grading Service, Inc., Numismatic Guaranty Corporation of America, and ANACAS. Grading is a subjective process and it is not uncommon for grading services, or individual examiners within the same grading service, to reach different conclusions regarding the appropriate grade for a particular Precious Metal. Moreover, grading standards are constantly evolving. TME does not guarantee that the Precious Metals it sells will achieve the same grades in the future. In selling graded Precious Metals, TME warrants that the Precious Metal is genuine (i.e., not a counterfeit) and states that the grade is as opined by the grading service when graded by that service.
   
   
2. Grading is subjective. Grading is a subjective determination. Grading is an art, not a science. While numerical grading may give the impression of precision, the numbers in fact represent a nuanced opinion that even experts cannot consistently and systematically agree upon. The grade reflects the opinion of the cataloger (or grader) as to the state of preservation, method of strike, and overall appearance of a particular Precious Metal or lot.
   
   
3. Terminology. The term "proof" or "specimen" is used to describe a method of manufacture. Those terms do not connote a grade, condition or attribution.
   
   
4. Cleaning/Toning. TME does not represent that a Precious Metal has or has not been cleaned, that any toning is natural or artificial, that a Precious Metal has a particular provenance or pedigree, that a Precious Metal is struck or not struck, that a Precious Metal is produced or not produced in a particular manner or style, and/or that a different grading service (or even a different grader within the same grading service) would assign the same grade now or in the future to the same Precious Metal.
   
   
5. Acknowledgment. Where TME sells a Precious Metal that is encapsulated by a grading service and bears the grade or condition ascribed to it by the grading service, Customer acknowledges and agrees that other grading services or knowledgeable purchasers might reach a different conclusion as to the item's grade. Customer further acknowledges that TME has provided the grader's description for the customer's information and makes no warranty as to its accuracy or the standards used to determine that grade.

ONLINE PRIVACY POLICY STATEMENT

1. What information do we collect? 
   
   We collect information from you when you place an order, subscribe to our newsletter or fill out a form. 
   
   When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number or credit card information. You may, however, visit our site anonymously.
   
   What do we use your information for? 
   
   Any of the information we collect from you may be used in one of the following ways: 
   
   ; To personalize your experience
   (your information helps us to better respond to your individual needs)
   
   ; To improve our website
   (we continually strive to improve our website offerings based on the information and feedback we receive from you)
   
   ; To process transactions
   

   Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

   
   ; To send periodic emails
   

   The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

   
   
   How do we protect your information? 
   
   We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. 
   
   We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential.
   
   After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.
   
   Do we use cookies? 
   
   Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information
   
   We use cookies to understand and save your preferences for future visits.
   
   Do we disclose any information to outside parties? 
   
   We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
   
   Childrens Online Privacy Protection Act Compliance 
   
   We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
   
   Your Consent 
   
   By using our site, you consent to our online privacy policy.
   
   Changes to our Privacy Policy 
   
   If we decide to change our privacy policy, we will post those changes on this page.