Welcome to 320coins ("Company," "we," "our," or "us"), a Georgia Corporation. These Terms of Service ("Terms") govern your access to and use of our website, services, and products related to the buying and selling of precious metals, bullion, certified graded coins, and collectibles.

By accessing or using our website at https://320coins.dringdahl.workers.dev (the "Website") or purchasing products from us, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

These Terms constitute a legally binding agreement between you and 320coins. By creating an account, placing an order, or otherwise using our services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

320coins operates an e-commerce platform specializing in:

• Gold and silver bullion (bars, rounds, and coins)
• Certified graded coins authenticated by NGC, PCGS, and other recognized grading services
• Rare and collectible coins, including commemorative and historical pieces
• Precious metal investment products

We offer multiple pricing tiers: Retail, Enthusiast (loyalty member), Collector (loyalty member), and Connoisseur (loyalty member). Loyalty member pricing is available to approved customers only and requires verification and approval by our sales team.

All products listed on our Website are subject to availability and may be discontinued at any time without prior notice.

To purchase products from 320coins, you must create an account and provide accurate, complete, and current information. You agree to:

• Provide true, accurate, current, and complete information about yourself as prompted by our registration form
• Maintain and promptly update your account information to keep it accurate and complete
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account

You may not use another person's account without permission. We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

Loyalty Member Accounts: Loyalty member pricing tiers (Enthusiast, Collector, Connoisseur) require separate application and approval. Contact sales@320coins.com to apply for loyalty member access. We reserve the right to approve or deny loyalty member applications at our sole discretion.

All purchases are subject to acceptance by 320coins. We reserve the right to refuse or cancel any order for any reason, including but not limited to:

• Product unavailability
• Errors in product or pricing information
• Suspected fraudulent transactions
• Orders that cannot be verified or authenticated
• Orders exceeding quantity limitations

Payment Methods: We accept credit cards (via Stripe), PayPal, Zelle, wire transfer, and cash for in-person transactions. All online payments are processed securely through our payment providers.

Pricing: All prices are in U.S. Dollars (USD). Precious metal prices fluctuate based on market conditions. The price locked in at checkout is the price you will pay, provided payment is received within our payment timeframe.

Sales Tax: Georgia sales tax will be applied to orders shipping within Georgia, as required by law.

Shipping Costs: We offer free shipping on all orders over $500. Orders under $500 will incur standard shipping charges calculated at checkout.

Delivery Timeframes: Estimated delivery times are provided for informational purposes only and are not guaranteed. We are not responsible for delays caused by shipping carriers, weather, natural disasters, or other events beyond our control.

Insurance: All shipments are fully insured for their declared value. In the event of loss or damage during transit, we will work with you and the carrier to file a claim.

Signature Requirement: High-value orders may require adult signature upon delivery for security purposes.

International Shipping: We currently ship within the United States only. International shipping may be available upon request and will be subject to additional fees, customs duties, and import restrictions.

Risk of Loss: Risk of loss and title for products pass to you upon delivery to the carrier.

We want you to be completely satisfied with your purchase. Our return policy provides:

30-Day Return Period: You may return most products within 30 days of delivery for a full refund, provided the items are in original condition, unopened, and with all original packaging and documentation intact.

Conditions for Returns:

• Product must be in original, unopened condition
• Original packaging and certificates of authenticity must be included
• Graded coins must remain in their original sealed holders
• Customer is responsible for return shipping costs unless item was defective or shipped in error

Non-Returnable Items:

• Products with broken seals or tampered packaging
• Custom or specially ordered items
• Products damaged due to misuse or improper storage

Refund Processing: Approved refunds will be processed within 5-10 business days of receiving the returned item in acceptable condition. Refunds will be issued to the original payment method.

To initiate a return, please contact our customer service team at support@320coins.com with your order number and reason for return.

320coins guarantees the authenticity of all products sold on our platform. We stand behind the quality and genuineness of our precious metals and collectible coins.

Certification: Graded coins are certified by recognized third-party grading services such as NGC (Numismatic Guaranty Company) and PCGS (Professional Coin Grading Service). Certifications remain valid as long as products remain in their original sealed holders.

Bullion Purity: All bullion products meet or exceed the purity standards stated in their descriptions. We source our bullion from reputable mints and refineries.

Lifetime Authenticity Guarantee: If any product purchased from 320coins is later determined to be inauthentic by a recognized grading service or authenticator, we will provide a full refund of the purchase price, regardless of how long ago the item was purchased.

This guarantee does not cover grading disputes (e.g., disagreements about numerical grade) or natural variations in precious metal spot prices.

Price Fluctuations: Precious metal prices are subject to market fluctuations. Prices displayed on our Website are updated regularly but may not reflect real-time market changes. The price at checkout is the final locked-in price for your order.

Pricing Errors: Despite our best efforts, some products may be listed at incorrect prices due to human error or technical issues. We reserve the right to cancel orders placed for products listed at incorrect prices, regardless of whether the order has been confirmed. If your order is cancelled, we will notify you and issue a full refund.

Stock Availability: All product availability is subject to change. We do not guarantee that products will remain in stock. If a product becomes unavailable after you place an order, we will notify you and offer a replacement or full refund.

Quantity Limitations: We reserve the right to limit quantities purchased per customer, per product, or per order.

You agree not to use our Website or services for any unlawful purpose or any purpose prohibited by these Terms. Prohibited activities include, but are not limited to:

• Using the Website for any illegal activity or to violate any local, state, national, or international law
• Attempting to gain unauthorized access to our systems, servers, or networks
• Engaging in any activity that interferes with or disrupts our services
• Using automated systems (bots, scrapers) to access our Website without permission
• Impersonating another person or entity
• Transmitting viruses, malware, or other harmful code
• Collecting personal information about other users without consent
• Engaging in fraudulent activities, including using stolen payment information
• Attempting to manipulate prices or engage in market manipulation

Violation of these prohibited uses may result in immediate termination of your account and potential legal action.

The Website and all content, features, and functionality (including but not limited to text, images, graphics, logos, icons, photographs, videos, and software) are owned by 320coins or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from our Website, except as follows:

• Your computer may temporarily store copies of such materials incidental to your access
• You may print one copy of a reasonable number of pages for your personal, non-commercial use

The 320coins name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of 320coins. You may not use such marks without our prior written permission.

AS-IS Basis: The Website and our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the operation or availability of the Website, the accuracy of product information, or the security of transactions.

Investment Risks: Precious metals and collectible coins are investments that carry inherent risks. Prices can fluctuate based on market conditions. We do not provide investment advice. You should consult with a financial advisor before making significant precious metals investments.

Limitation of Liability: To the fullest extent permitted by Georgia law, 320coins shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or use, arising out of or related to your use of the Website or products purchased from us.

Our total liability to you for any claim arising out of or relating to these Terms or your use of the Website shall not exceed the amount you paid for the specific product(s) giving rise to the claim, or $500, whichever is less.

Some jurisdictions do not allow the limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.

Informal Resolution: If you have a dispute with 320coins, please contact us first at support@320coins.com to attempt to resolve the issue informally. We are committed to working with customers to reach fair resolutions.

Binding Arbitration: If we cannot resolve the dispute informally, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

The arbitration shall be conducted in the state of Georgia, and judgment on the arbitration award may be entered in any court having jurisdiction. Each party shall bear its own costs and expenses in the arbitration, including attorney's fees.

Class Action Waiver: You agree that any arbitration or legal proceeding shall be conducted on an individual basis only and not as a class action, consolidated action, or representative action. You waive your right to participate in a class action lawsuit or class-wide arbitration.

Small Claims Court: Notwithstanding the above, either party may bring an individual action in small claims court if the claim is within the court's jurisdiction.

These Terms and any dispute or claim arising out of or related to these Terms or your use of the Website shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law principles.

Any legal suit, action, or proceeding arising out of or related to these Terms (other than disputes subject to arbitration) shall be instituted exclusively in the federal or state courts located in Georgia. You waive any objection to jurisdiction and venue in such courts.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions.

We reserve the right to update, modify, or replace these Terms at any time at our sole discretion. We will notify you of material changes by posting the new Terms on this page with an updated "Last Updated" date.

You are responsible for reviewing these Terms periodically. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

If you do not agree to the modified Terms, you must stop using the Website and our services immediately.