Terms and conditions

Terms and Conditions

By using and placing orders for products via The Bullion Bank website (the “Website”), telephone orders, or in-person orders, you agree to adhere to the following terms and conditions (the “Terms and Conditions”). These Terms and Conditions constitute a legally binding agreement between you, individually and, if applicable, on behalf of the entity for which you are accessing the Website (“you” or “your”), and The Bullion Bank (“The Bullion Bank,” “Bullion Bank,” “BB,”  “our,” “we,” or “us”). The Terms and Conditions govern your use of the Website and the products and services offered on the Website. This includes making purchases from The Bullion Bank, selling to The Bullion Bank, and placing orders with The Bullion Bank.

THESE TERMS AND CONDITIONS APPLY TO ALL ORDERS, PURCHASES, AND SALES, REGARDLESS OF WHETHER THEY ARE MADE VIA THE WEBSITE, TELEPHONE, IN PERSON, OR OTHERWISE. PRIOR TO PLACING AN ORDER WITH The Bullion Bank, YOU MUST READ AND ACCEPT ALL THESE TERMS AND CONDITIONS. The Bullion Bank STRONGLY RECOMMENDS THAT YOU PRINT A COPY FOR FUTURE REFERENCE.

We may request that you provide certain personally identifiable information, including but not limited to your first and last name, company, email address, telephone number, mailing address, billing address, shipping address, country of residence, credit card type, credit card number, credit card expiration date, and credit card security code. Additionally, The Bullion Bank may require you to submit copies of government-issued identification. We may also collect specific non-personal information about your visit to ensure the security of our members, the Website, or to enhance the value of our products and services to you. All information collected by us will be governed by our Privacy Policy, which is hereby incorporated into these Terms and Conditions by reference. In the event of any conflict between the terms outlined in these Terms and Conditions and our Privacy Policy, the terms of the Privacy Policy shall prevail.

Please carefully review our Privacy Policy for further information on our data collection, use, and disclosure practices regarding the personal information you provide.

BY USING THE WEBSITE, YOU REPRESENT AND WARRANT, WITHOUT LIMITATION, THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO ABIDE BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT UNDERSTAND OR DO NOT AGREE TO BE BOUND BY AND COMPLY WITH THE TERMS OF THIS AGREEMENT AND ANY OTHER SUPPLEMENTAL TERMS, DISCLOSURES, AND DISCLAIMERS, YOU MUST IMMEDIATELY LEAVE THE WEBSITE.

WE RESERVE THE RIGHT TO MODIFY THESE TERMS AND CONDITIONS AT ANY TIME, AND YOU AGREE THAT WE MAY MAKE SUCH CHANGES. YOU FURTHER AGREE THAT WE MAY ALTER THE WEBSITE AT ANY TIME AT OUR SOLE DISCRETION, FOR ANY REASON OR NO REASON, WITHOUT PRIOR NOTICE TO YOU. YOU CONSENT THAT IF YOU CONTINUE TO USE THE WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS AND CONDITIONS, YOU ARE BOUND BY THE MOST RECENT VERSION OF THESE TERMS AND CONDITIONS.

By purchasing from, selling to, or ordering from The Bullion Bank, whether via telephone, through the Website, in person, or through any other means, you are subject to all terms, policies, rules, restrictions, obligations, representations, and warranties, to which you hereby agree to adhere.

As this Agreement imposes legal obligations, please read it carefully.

If you have any legal inquiries about these Terms and Conditions, please consult with your legal counsel.

Purchases, Sales, and Orders - Policies and Procedures

You may make purchases, sell to, and order from The Bullion Bank only in accordance with these Terms and Conditions and accompanying policies and procedures. Once you place an order to purchase or sell with The Bullion Bank, you are entering into a binding and legally enforceable agreement. Please note that prices and availability are subject to change without prior notice.

When you place an order on the Website, the price at which your order is submitted is the guaranteed price. An "order number" will be sent to you via email, and it may also be displayed on the final confirmation page of the website. Your credit card information is required to secure all orders except those using a credit card as the payment method. To secure your guaranteed price, payment must be received by The Bullion Bank within two (2) business days for wire payments or any payment method selected for "pick up in person" as the delivery option. For orders that will be shipped, if you are sending a personal check, cashier's check, or money order, payments MUST be postmarked within one (1) business day of order placement and MUST be received within five (5) business days of order placement.

In most cases, orders will be canceled if payment is received after the allotted time frame. If an order is canceled, our market loss policy will take effect, and an additional $45 cancellation fee will be applied. If we choose to accept late payment, a $45 late payment fee will be applied and must be paid before the order can be picked up or shipped. There are no exceptions to this policy. If any order is in error, whether due to The Bullion Bank's fault or other reasons, we reserve the right to cancel the order.

When selling to The Bullion Bank, the price is guaranteed. Typically, the transaction may not be canceled but may be offset at The Bullion Bank's current purchase price. Sales to The Bullion Bank must be shipped within one (1) business day, and you must contact The Bullion Bank via email at ardavan@thebullionbank.com or by telephone at 703-705-5151 to provide a tracking number so that we can confirm that the product has been shipped and is en route.

All products sold to The Bullion Bank must be received within five (5) business days. Failure to meet this deadline will result in charges for any Market Losses and a $45 administrative fee. If the delay in shipment is due to the carrier's actions, The Bullion Bank may, at its sole discretion, extend the deadline.

Without limiting any other legal or equitable rights and remedies available to The Bullion Bank, failure to comply with these Terms and Conditions may result in the suspension or termination of your account. Such suspension or termination shall not relieve you of your obligations as outlined in these Terms and Conditions. Additional terms, including, but not limited to, prices, payment methods, refund and cancellation policies, and exchange policies may be posted on the Website from time to time.

Fraud: We reserve the right to actively report and prosecute any suspected or actual credit card fraud or other fraudulent activities to the appropriate authorities. We may require further authorization from you, such as a telephone confirmation of your order and additional information, including a copy of a government-issued ID, at our discretion. If fraud is suspected, we reserve the right to cancel, delay, refuse to ship, or recall any order. We collect specific information during the order process to detect and identify individuals involved in fraud. In case of suspected fraud, we may submit all records, with or without a subpoena, to law enforcement agencies and the credit card company for investigation. We will cooperate with authorities to prosecute offenders to the fullest extent of the law.

Payment Instructions

The Bullion Bank will provide you with payment instructions during the ordering process and through email after your order is confirmed. Please note that The Bullion Bank does not accept Cash on Delivery (COD) orders. The Bullion Bank retains the right to cancel orders if payment is not dated within two (2) business days for bank wire orders or one (1) business day for paper check orders.

Cancellation Policy

Once you have placed an order to buy with The Bullion Bank, you have entered into a binding legal agreement and cannot cancel the confirmed order. However, before your confirmed order is shipped, you may request an offsetting transaction where the product is sold back to The Bullion Bank at The Bullion Bank's current Buy Price on the day we receive your email or telephone request for the offset. Please note that credit card orders cannot be offset 48 hours after the time of order creation.

All offset requests must be made during our normal business hours, which are Monday-Friday, 10:00 AM to 5:00 PM PST. The Bullion Bank reserves the right, at its sole discretion, to allow cancellations and/or offsetting of your order.

Offsetting orders are subject to our market loss policy, described below, in addition to a $45.00 (USD) administrative fee. If applicable, the difference between the Purchase Price and our Buy Price will be added to the $45.00 (USD) administrative fee. In case of a confirmed canceled order, you authorize The Bullion Bank to automatically charge the credit card on file for the difference between the Purchase Price and the Asking Price, plus the $45.00 (USD) administrative fee. Alternatively, if your credit card is declined, The Bullion Bank reserves the right to invoice you, and you agree to promptly pay the invoiced amount in full within ten (10) business days. Future orders will not be allowed until all cancellation and related fees are paid in full. Any market gains on cancellations shall belong solely to The Bullion Bank.

For canceled/offsetting orders, a fee of $45.00, plus the difference between the Purchase Price and The Bullion Bank's Buy Price, will be charged.

Once The Bullion Bank has shipped the product, the order becomes final and cannot be canceled. If you refuse shipment, the product will be returned to us, and you may choose to either pay for reshipment or accept Market Loss fees upon return, in addition to a standard $45 cancellation fee.

The Bullion Bank reserves the right to refuse or cancel an order for any reason or for no reason at all, regardless of the payment method or price confirmation. This includes, but is not limited to, orders deemed questionable or suspicious, orders posing significant risks, orders with incorrect confirmed prices, orders affected by abrupt movements in the precious metals market, and orders with late payments. The Bullion Bank is not responsible for pricing or typographical errors and expressly reserves the right, at its sole discretion, to cancel any and all orders related to such items. If an order is canceled, The Bullion Bank will directly contact you with notification of the cancellation.

Return Policy

All sales for bullion products by The Bullion Bank are considered FINAL. If you wish to sell bullion products back to The Bullion Bank, you can do so at any time by calling us at 703-705-5151. The price for selling back to The Bullion Bank will be determined based on The Bullion Bank's Buy Price as indicated on our website at the time of the sale back to The Bullion Bank.

At The Bullion Bank, we want our customers to be satisfied with their purchases. Upon 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, the exchange must be requested within fourteen (14) business days from the date you receive your product(s). This option is available only to customers who promptly and correctly notify our support representatives by telephone at 703-705-5151 and receive written confirmation that the exchange request has been approved. If your exchange request is approved, our support representatives will provide you with instructions on how to proceed.

Please note that 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, the cost of reshipping by The Bullion Bank, and the risk of loss during the return shipment as part of the exchange. The Bullion Bank reserves the right, at its sole discretion, to reject any exchange that does not comply with these requirements. If an exchange is granted, we reserve the right to accept or decline the exchange request at our sole discretion, and we may require you to cover any market loss on approved exchanges. Any market gains on refunds shall remain the property of The Bullion Bank.

The Bullion Bank Market Loss Policy

Once an order number is issued following a purchase from The Bullion Bank, the price is guaranteed, and the transaction cannot be canceled. In such cases, the transaction may only be offset at The Bullion Bank's current buy price. If your item is canceled, you will be held responsible for any deficit between the price at which The Bullion Bank sold the item to you and the offsetting buy price. As mentioned earlier, all cancellations are subject to our market loss policy, in addition to a $45.00 (USD) administrative fee. Any market gains resulting from cancellations or returns shall remain the property of The Bullion Bank.

Without limiting any other legal or equitable rights and remedies available to The Bullion Bank, we may choose to apply any and all funds in our possession to meet your financial obligations and/or offset any obligations we may have to you. In addition, The Bullion Bank reserves the right, at its sole and absolute discretion, to apply any/all funds in its possession toward the satisfaction of your obligations to The Bullion Bank.

Shipment and Delivery

Product availability is indicated on each item listed on our website. There may be slight variations in delivery times between items that will be shipped and those available for in-person pickup. These delivery times are specified on each coin's individual shopping page.

When a product is marked as "in stock," it will be shipped within 1-3 business days from the date of cleared payment.

If a product is marked as delayed, the estimated delay duration is provided during the checkout process on the website, if applicable. Typically, delays occur when there is a surge in demand, leading to manufacturer or distributor backlogs. These backlogs can range from a few days to up to 60 days based on our experience.

We use reputable carriers to ship items. The majority of orders are shipped via the US Postal Service Priority or Express Mail. UPS or FedEx may also be utilized, with either ground or second-day air being the most common shipping methods, depending on the total value and weight of the shipment.

Please note that applicable taxes, shipping, and handling charges are not included in the product prices. You are responsible for all applicable taxes, as well as shipping and handling fees. Every package requires a signature upon delivery. The Bullion Bank fully insures all shipments. If any issues occur while your package is in transit, it will be covered by our insurance policy.

However, we cannot assume responsibility if you have instructed carriers or delivery services to leave parcels unattended without requiring a signature or if you have authorized them to leave your package with a third party. When we ship to you, if metals are lost or damaged during transit, The Bullion Bank is responsible for pursuing any claims with the insurance company. In the event that we confirm the package is lost or damaged, we will initiate a claim. Once the claim is filed, we retain the right to either re-ship your items or refund your payment at our discretion. This may occur only after the insurance investigation is completed, typically within sixty to ninety (60-90) days. The Bullion Bank may decide to ship you a replacement product(s) before the insurance investigation concludes, at its sole discretion.

Please be aware that The Bullion Bank will not be liable for reimbursements or insurance claims on packages that are successfully delivered to the specified address. Our responsibility and insurance coverage cease once the package is signed for or left at the designated delivery address. Any shipment issues or problems must be reported within 2 business days; otherwise, The Bullion Bank may need to refute any claims.

Export Compliance

Each product that The Bullion Bank sells is subject to all United States export laws. Therefore, no products may be exported or re-exported to, or to a national or resident of, Cuba, Iran, North Korea, Syria, or any country to which the United States has embargoed goods. Additionally, no products may be exported or re-exported to anyone on the United States Treasury Department's list of specially designated nationals or the United States Commerce Department's Table of Denial Orders.

Termination

Either The Bullion Bank or you may terminate these Terms and Conditions, for any reason, including convenience, with or without cause, at any time by written notice to the other party. The termination of these Terms and Conditions shall not affect the rights and obligations of The Bullion Bank or you with respect to the period prior to the date of termination.

Disclaimers, Exclusions, and Limitations

CAUTION:

All investments, including coins and bullion, involve some degree of risk and are affected by numerous economic factors, all of which are beyond the control of The Bullion Bank. You, and not The Bullion Bank, are responsible for such risk, including, without limitation, market volatility and the inability to liquidate the products at an acceptable price, or at all. Consult your investment or financial advisor prior to purchasing/selling and fully assess whether you possess adequate savings and income prior to considering such an investment. You represent and warrant to The Bullion Bank that you have sufficient experience and knowledge to make informed financial decisions and that The Bullion Bank is not making any recommendation with respect to such purchases and/or such sales.

Disclaimer of Warranties

The Bullion Bank PROVIDES THE WEBSITE, THE PRODUCTS, AND SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS. The Bullion Bank DOES NOT REPRESENT OR WARRANT THAT THE WEBSITE, ITS USE, ANY INFORMATION ON IT: (I) WILL BE UNINTERRUPTED OR SECURE, (II) WILL BE FREE OF DEFECTS, INACCURACIES, OR ERRORS, (III) WILL MEET YOUR REQUIREMENTS, OR (IV) WILL OPERATE IN THE CONFIGURATION OR WITH OTHER HARDWARE OR SOFTWARE YOU USE. The Bullion Bank MAKES NO WARRANTIES OTHER THAN THOSE MADE EXPRESSLY IN THESE TERMS AND CONDITIONS, AND HEREBY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND NON-INFRINGEMENT.

Use of Forward-Looking Statements. THIS WEBSITE MAY CONTAIN FORWARD-LOOKING STATEMENTS THAT REFLECT The Bullion Bank's CURRENT EXPECTATIONS REGARDING FUTURE EVENTS AND BUSINESS DEVELOPMENT. THE FORWARD-LOOKING STATEMENTS INVOLVE RISKS AND UNCERTAINTIES. ACTUAL DEVELOPMENTS COULD DIFFER MATERIALLY FROM THOSE PROJECTED AND DEPEND ON A NUMBER OF FACTORS, MOST, IF NOT ALL OF WHICH, ARE OUTSIDE OF The Bullion Bank's CONTROL. PLEASE REMEMBER TO ALWAYS CONSULT WITH YOUR INVESTMENT AND FINANCIAL ADVISOR PRIOR TO PURCHASING.

Products. ALL PRODUCTS ARE SUBJECT ONLY TO ANY APPLICABLE WARRANTIES. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, The Bullion Bank HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE HEREBY EXPRESSLY DISCLAIM ALL LIABILITY FOR PRODUCT DEFECT OR FAILURE, CLAIMS THAT ARE DUE TO NORMAL WEAR, PRODUCT MISUSE, ABUSE, PRODUCT MODIFICATION, IMPROPER PRODUCT SELECTION, NON-COMPLIANCE WITH ANY CODES, OR MISAPPROPRIATION.

Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, the disclaimers herein may not apply to you insofar as they relate to implied warranties.

Limitation of Liability

The Bullion Bank SPECIFICALLY DISCLAIMS ANY LIABILITY OR RESPONSIBILITY FOR ORDERS PLACED VIA THE Bullion Bank ONLINE ORDER ENTRY SYSTEM, ON THE TELEPHONE, OR IN PERSON IN ONE OF OUR OFFICES, FOR ANY LOSSES OR DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES THAT YOU MAY INCUR AS A RESULT OF THE USE OF THE Bullion Bank ONLINE ORDER ENTRY SYSTEM, A TELEPHONE ORDER, IN PERSON IN ONE OF OUR OFFICES, OR OUR WEBSITE, AND/OR RELATED PRODUCTS/SERVICES. The Bullion Bank SHALL NOT BE RESPONSIBLE FOR ERRORS, NEGLIGENCE, OR INABILITY TO EXECUTE ORDERS. FURTHER, The Bullion Bank SHALL NOT BE RESPONSIBLE FOR ANY DELAYS IN THE TRANSMISSION, DELIVERY, OR EXECUTION OF YOUR ORDERS DUE TO BREAKDOWN OR FAILURE OF TRANSMISSION OR COMMUNICATION FACILITIES, OR FOR ANY OTHER CAUSES BEYOND The Bullion Bank's REASONABLE CONTROL. The Bullion Bank SPECIFICALLY DISCLAIMS ANY LIABILITY FOR THE INTERRUPTION, CANCELLATION, OR OTHER TERMINATION OF THE Bullion Bank ONLINE ORDER ENTRY SYSTEM.

In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, the foregoing limitation may not apply to you.

Indemnity and Release

You agree to defend, indemnify, and hold The Bullion Bank and its parents, subsidiaries, affiliates, officers, directors, agents, employees, licensors, members, shareholders, co-branders, or other partners, employees, and advertising partners harmless from any and all claims and expenses, liabilities, losses, actions, damages, claims, or demands, including reasonable attorneys’ fees, made by any third-party directly or indirectly relating to or arising out of (a) content you provide to the Website or otherwise transmit or obtain through the products and/or services, (b) your use, purchase, and/or sale of the products and/or services, (c) your connection to the products and/or services, (d) your violation of these Terms and Conditions, (e) your violation of any rights of another, (f) your breach of any representation or warranty made by you to The Bullion Bank, or (g) your failure to perform your obligations hereunder. If you are obligated to provide indemnification pursuant to this provision, The Bullion Bank may, in its sole and absolute discretion, control the disposition of any claim at your sole cost and expense. Without limitation of the foregoing, you may not settle, compromise or in any other manner dispose of any claim without The Bullion Bank’s consent.

You are hereby agreeing to release The Bullion Bank and its parents, subsidiaries, affiliates, officers, directors, agents, employees, licensors, members, shareholders, co-branders, or other partners, employees, and advertising partners from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known, suspected, or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to, without limitation, such disputes and/or to the Website and related products and services.

Relationship

The sole relationship between you and The Bullion Bank is that of a purchaser and seller. No other relationship, express or implied, including but not limited to agency, employee-employer, franchisee-franchisor, joint venture, or partnership exists between you and The Bullion Bank.

No Waiver

In the event of your failure to comply with your duties and obligations to The Bullion Bank, Bullion Bank reserves all rights and remedies available at law or in equity. The delay or failure on the part of The Bullion Bank in exercising any right or remedy shall not be construed as a waiver of that right or remedy. Furthermore, the partial exercise of any right or remedy by The Bullion Bank shall not prevent the further exercise of that right or remedy or the exercise of any other right or remedy. If you fail to comply with these Terms and Conditions, you expressly authorize and grant The Bullion Bank the right to charge your credit card for any and all market losses incurred by The Bullion Bank, including administrative fees resulting from your failure to fulfill your obligations, as a consequence of price and market fluctuations.

No Assignment

You may not assign these Terms and Conditions, including your related rights and obligations, without the express prior written consent of The Bullion Bank. The Bullion Bank may grant or withhold such consent at its sole discretion. These Terms and Conditions shall be binding upon and inure to the benefit of any permitted assignees and successors of both you and The Bullion Bank.

Force Majeure

You acknowledge and understand that if The Bullion Bank and/or the Website are unable to provide the products and/or services due to a force majeure event, The Bullion Bank and/or the Website will not be in breach of any obligations under these Terms and Conditions. A force majeure event refers to any event beyond the control of The Bullion Bank and/or the Website. The Bullion Bank SHALL NOT HAVE ANY LIABILITY TO YOU, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER FORM OF LIABILITY, FOR FAILING TO PERFORM ITS OBLIGATIONS UNDER THIS AGREEMENT TO THE EXTENT THAT SUCH FAILURE IS A RESULT OF A FORCE MAJEURE EVENT.

Website Use and Restrictions

Except as expressly provided below, the purchase and/or sale of related products/services may only be consummated by, and is expressly limited to, individuals who can form legally binding contracts under applicable law. Without limitation, minors are prohibited from utilizing the Website and/or related services.

You must comply with all of the terms set forth in these Terms and Conditions, the policies referred to herein, and all applicable laws, rules, and regulations when you use the Website.

Subject to these Terms and Conditions, you are hereby granted a limited, non-exclusive right to use the content and materials on the Website in the normal course of your use of the Website. You may not use any third-party intellectual property without the express written permission of the applicable third-party, except as permitted by law. The Website will retain ownership of its intellectual property rights, and you may not obtain any rights therein by virtue of these Terms and Conditions or otherwise, except as expressly set forth in these Terms and Conditions. You will have no right to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit, or sublicense materials or content available on the Website, except as expressly set forth in these Terms and Conditions. You may not attempt to reverse engineer any of the technology used to provide the products and/or services.

In your use of the Website and the products and/or services, you may not: (i) infringe any patent, trademark, trade secret, copyright, right of publicity, or other right of any party; (ii) defame, abuse, harass, stalk any individual, or disrupt or interfere with the security or use of the products and/or services, the Website, or any websites linked to the Website; (iii) interfere with or damage the Website or products and/or services, including, without limitation, through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information, or similar methods or technology; (iv) attempt to use another user's account, impersonate another person or entity, misrepresent your affiliation with a person or entity, including (without limitation) the Website, or create or use a false identity; (v) attempt to obtain unauthorized access to the Website or portions of the Website that are restricted from general access; (vi) engage, directly or indirectly, in transmission of "spam," chain letters, junk mail, or any other type of unsolicited solicitation; (vii) collect, manually or through an automatic process, information about other users without their express consent or other information relating to the Website or the products and/or services; (viii) use any meta tags or any other "hidden text" utilizing The Bullion Bank name, trademarks, or product names; (ix) advertise, offer to sell, or sell any goods or services, except as expressly permitted by the Website; (x) engage in any activity that interferes with any third party's ability to use or enjoy the Website or products and/or services; or (xi) assist any third party in engaging in any activity prohibited by these Terms and Conditions.

Miscellaneous

To the extent permitted by applicable law, you hereby expressly waive your right to a trial by jury in any proceeding or litigation brought against The Bullion Bank with respect to these Terms and Conditions and/or the Website. All disputes arising out of or relating to these Terms & Conditions (including formation, performance, or alleged breach) or your use of the Website will be exclusively resolved under confidential binding arbitration held in San Francisco, CA, in accordance with the Rules of the American Arbitration Association. You hereby consent to personal jurisdiction for the purpose of resolving such disagreements and such disputes and waive all objections to the jurisdiction. The arbitrator's award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms and Conditions will be joined to an arbitration involving any other party subject to these Terms and Conditions, whether through class arbitration proceedings or otherwise. Notwithstanding the foregoing, The Bullion Bank will have the right to seek injunctive or other equitable relief in state or federal court located in the San Francisco Bay Area to enforce these Terms & Conditions or prevent an infringement of a third party's rights. In the event equitable relief is sought, you hereby irrevocably submit to the personal jurisdiction of such court and waive all objections to the jurisdiction. These Terms and Conditions shall be governed by, and interpreted in accordance with, the laws of the State of CA, without regard to conflict of laws principles. BY ENTERING INTO THESE TERMS AND CONDITIONS, YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS IN THE FORM OF A CLASS ACTION OR SIMILAR PROCEDURAL DEVICE. ANY CLAIMS ARISING OUT OF, RELATING TO, OR CONNECTED WITH THESE TERMS AND CONDITIONS MUST BE ASSERTED INDIVIDUALLY. You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, relating to, or connected with your use of the Website, telephone order, or in-person order, must be filed within one calendar year after such claim or cause of action arises or be forever barred. In the event that The Bullion Bank takes any action against you, arising out of and/or to enforce your obligations under these Terms and Conditions, you expressly agree to pay all of the associated costs and the expenses incurred by The Bullion Bank, including, without limitation, reasonable attorneys' fees, in connection with such action. You expressly agree to execute and deliver any/all documents and take such other actions as may be reasonably requested by The Bullion Bank to carry out these Terms and Conditions.

Severability

In the event that a court of competent jurisdiction deems any provision of this Agreement invalid, the parties still mutually agree that the court should make reasonable efforts to uphold the intentions of the parties as expressed in the provision. Furthermore, all other provisions of this Agreement shall remain fully valid and in force.

Entire Agreement

This Agreement serves as the comprehensive understanding between you and The Bullion Bank, dictating your utilization of the Website, telephone orders, or in-person orders, and it supersedes any preceding agreements.

Statute of Limitations

YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.

Privacy

The utilization of this Website is contingent upon adherence to the conditions outlined in our Privacy Policy, which is hereby included and considered an integral component of these Terms and Conditions. Kindly conduct a thorough examination of our Privacy Policy. Your usage of this Website signifies your concurrence with and commitment to complying with the provisions of our Privacy Policy. You also grant us the right, as authorized by you, to employ the information pertaining to your Website usage, account registration, and any other personal details you furnish, in accordance with our Privacy Policy.