Terms & Conditions

Welcome to Capstone Metals. These Terms & Conditions (“Terms,” “Agreement”) govern your access to and use of the Capstone Metals website, capstonemetals.com (the “Website”), and your purchase of precious metals and related products through the Website.

By accessing the Website, creating an account, submitting an order, or purchasing products from Capstone Metals, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you should not use the Website or purchase products from Capstone Metals.

Capstone Metals is a precious-metals e-commerce business offering gold, silver, and other precious-metal products and related products and services.

Capstone Metals reserves the right to modify, suspend, or discontinue any portion of the Website or any product or service offered through the Website at any time, subject to applicable law.

You must be legally permitted to enter into contracts and purchase precious metals under the laws applicable to you.

By placing an order, you represent and warrant that:

The information you provide to Capstone Metals is accurate and complete.

You are authorized to use the payment method provided.

Your purchase is for lawful purposes.

You are not purchasing products on behalf of a person or entity prohibited from engaging in the transaction.

You will comply with all applicable federal, state, and local laws and regulations.

Capstone Metals reserves the right to refuse or cancel an order when permitted by law, including when information provided by a customer cannot be verified or when Capstone Metals reasonably believes a transaction may violate applicable law or company policies.

Capstone Metals makes reasonable efforts to ensure that product descriptions, photographs, specifications, pricing, availability, and other information displayed on the Website are accurate.

However, precious-metal products may vary in appearance, including differences in coloration, finish, minting characteristics, packaging, and other physical characteristics.

Product images are provided for illustrative purposes and may not always represent the exact item, packaging, year, mint mark, or condition supplied.

Precious-metal prices are affected by rapidly changing market conditions. Prices displayed on the Website may change at any time.

An order is not considered final and binding until Capstone Metals has accepted the order and confirmed the applicable purchase price in accordance with its ordering procedures.

Capstone Metals reserves the right to correct pricing errors, typographical errors, product-description errors, and other inadvertent inaccuracies.

If an error affects an order that has already been submitted, Capstone Metals may contact the customer regarding the error and may, where permitted by law, cancel the affected order and refund any payment received for that order.

Submitting an order through the Website constitutes a request to purchase the selected products. It does not necessarily constitute acceptance of the order by Capstone Metals.

Capstone Metals reserves the right to accept, reject, limit, or cancel an order for any lawful reason.

Orders may be subject to identity verification, payment verification, fraud screening, availability, market conditions, and other compliance procedures.

Capstone Metals may require additional information before processing an order.

Payment must be received and confirmed by Capstone Metals before an order is shipped unless otherwise expressly agreed in writing.

For purposes of these Terms, “good funds” means payment that has been received, cleared, and is available to Capstone Metals without restriction or risk of reversal.

Payment methods may be subject to processing times, verification requirements, transaction limits, or other restrictions.

Capstone Metals reserves the right to delay shipment until payment has fully cleared.

Customers are responsible for providing accurate payment and billing information.

Orders are shipped using carriers and shipping methods selected by Capstone Metals.

Upon receipt and confirmation of good funds in full payment of the purchase price, Capstone Metals will make reasonable efforts to ship purchased metals within five to fourteen (5–14) business days.

Due to precious-metal market fluctuations, product availability, payment-clearing requirements, inventory limitations, or other circumstances, an order may in some circumstances require additional processing time.

The original terms provided that an order may take up to forty-five (45) business days after receipt of good funds under certain circumstances. Capstone Metals may retain a similar provision if it accurately reflects the company’s actual fulfillment practices.

Personal checks, where accepted, may require additional time to clear before an order is processed or shipped. The source document states that personal checks required a minimum of twelve (12) days to clear the company’s bank account.

Estimated delivery dates are estimates only and are not guaranteed unless expressly stated otherwise.

Precious-metal shipments may be sent using insured shipping services.

Where Capstone Metals provides shipping insurance, coverage applies during transit in accordance with the applicable carrier and insurance terms.

A signature may be required upon delivery.

Customers are responsible for providing a secure and accurate delivery address and for following carrier delivery requirements.

If Capstone Metals determines that a purchased item was lost or stolen while in transit through a common carrier, Capstone Metals may, subject to applicable law and the terms of its shipping insurance:

• Refund the purchase price of the affected item; or

• Replace the affected item.

The original source document states that refund or replacement constituted the customer’s exclusive remedy for items determined to have been lost or stolen in transit.

Capstone Metals will not be responsible for losses occurring after delivery or where a customer has instructed a carrier to leave a package unattended, leave it at an unauthorized location, or deliver it to another person or location.

Customers should carefully review delivery instructions before authorizing unattended delivery.

Customers are responsible for providing complete and accurate shipping information.

Capstone Metals is not responsible for delays, additional costs, or losses resulting from an incorrect or incomplete address supplied by the customer.

If a shipment is returned because of an incorrect address or failure to accept delivery, additional shipping or handling requirements may apply.

Capstone Metals does not accept returns, exchanges, or refunds on physical precious metals of any kind, including bullion, certified coins, and graded numismatic pieces. Every metals sale is final once the order is submitted and the price is locked.

The reason is straightforward. Precious-metal prices move constantly, and a certified coin can be removed from its holder, altered, substituted, or exchanged for a lesser piece once it leaves our custody. We cannot verify that an item returned to us is the identical item that shipped, so we do not accept returns at all rather than expose other customers to that risk.

A change of mind, a subsequent move in the spot price, or a change in a customer's financial circumstances is not grounds for cancellation, return, or refund, and Capstone Metals is not liable for any of those events.

Every item is photographed in hand, described in detail, and — where certified — identified by grading service, grade, and certificate number before purchase, so customers can confirm exactly what they are buying before they submit an order.

The only exceptions are items lost or damaged in transit, which are handled under the insured-shipment provisions above, and a documented shipping error by Capstone Metals, where we will correct the error at our expense.

Orders become non-cancellable at the moment the price is locked and the order is submitted. Applicable taxes and shipping are not refundable.

Nothing in these Terms is intended to eliminate or restrict any consumer right that cannot lawfully be waived.

Customers are responsible for applicable sales, use, excise, or other taxes associated with their purchase, except to the extent Capstone Metals is legally required to collect and remit such taxes.

Tax treatment of precious-metal purchases may vary depending on the customer’s location, the type or value of the products purchased, and applicable law.

If the Website permits customers to create an account, customers are responsible for maintaining the confidentiality of their account credentials and for all activity conducted through their account.

Customers agree to notify Capstone Metals promptly if they believe their account has been accessed without authorization.

Capstone Metals reserves the right to suspend or terminate an account when reasonably necessary to protect the Website, customers, the company, or third parties, or to comply with applicable law.

You agree not to use the Website:

For any unlawful purpose;

To violate applicable laws or regulations;

To interfere with the operation or security of the Website;

To attempt to gain unauthorized access to systems or accounts;

To submit false, misleading, or fraudulent information;

To interfere with another customer’s use of the Website;

For any purpose prohibited by these Terms.

All content appearing on the Website, including text, graphics, photographs, logos, trademarks, designs, product descriptions, software, and other materials, is owned by or licensed to Capstone Metals unless otherwise indicated.

You may not reproduce, distribute, modify, publish, transmit, sell, or commercially exploit Website content without prior written permission from Capstone Metals.

The Capstone Metals name, logo, trademarks, service marks, and related branding may not be used without authorization.

The Website may use third-party providers for payment processing, shipping, fraud prevention, identity verification, website hosting, analytics, communications, and other services.

Capstone Metals is not responsible for the independent acts, omissions, policies, or practices of third-party service providers, except to the extent required by applicable law.

If Capstone Metals offers a text-message or SMS program, participation in that program is subject to the applicable SMS terms presented when you enroll.

Text messages may include account information, order-related communications, company information, offers, promotions, or other communications for which you have provided consent where required.

You may opt out of marketing text messages by following the opt-out instructions provided in the applicable message.

Message and data rates may apply depending on your mobile carrier and wireless plan.

Carrier delivery of messages is not guaranteed.

Additional SMS terms may apply and will be provided at enrollment.

Our complete SMS opt-in policy, including the consent language shown on our web forms, the opt-in methods we use, supported opt-out keywords (STOP, HELP, UNSUBSCRIBE, OPT OUT), and carrier information, is available at capstonemetals.com/sms-opt-in-policy.

Capstone Metals provides information regarding precious metals and precious-metal products for general informational and commercial purposes.

Precious metals can fluctuate in value. Past performance does not guarantee future results.

Nothing on the Website constitutes individualized investment, financial, tax, legal, or accounting advice.

Customers should consult an appropriately qualified professional regarding their individual financial circumstances before making an investment decision.

Capstone Metals does not guarantee that any precious-metal purchase will increase in value or result in a profit.

Capstone Metals attempts to keep the Website available and functioning properly but does not guarantee that the Website will always be available, uninterrupted, secure, or error-free.

The Website may occasionally be unavailable because of maintenance, technical problems, updates, security issues, third-party service interruptions, or circumstances beyond Capstone Metals’ reasonable control.

To the maximum extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

Capstone Metals makes no warranties, express or implied, regarding the Website except as expressly stated in these Terms or otherwise required by law.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

To the maximum extent permitted by applicable law, Capstone Metals shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to use of the Website or purchase of products, except where such limitation is prohibited by law.

Any limitation of liability should be interpreted only to the extent permitted by applicable law.

Capstone Metals should have legal counsel review and customize this section based on the company’s business structure, products, and applicable law.

To the extent permitted by applicable law, you agree to indemnify and hold harmless Capstone Metals and its owners, officers, employees, agents, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising from your violation of these Terms, misuse of the Website, or violation of applicable law.

Your use of the Website is also subject to the Capstone Metals Privacy Policy.

The Privacy Policy explains how Capstone Metals collects, uses, discloses, and protects personal information.

The Privacy Policy should be maintained as a separate document from these Terms & Conditions.

California privacy rights and disclosures are addressed in the Capstone Metals Privacy Policy. See Privacy Policy at capstonemetals.com/privacy-policy.

Nothing in these Terms is intended to replace any privacy disclosure required by applicable California law.

Capstone Metals may update or modify these Terms from time to time.

When changes are made, Capstone Metals will post the updated Terms on the Website and update the “Last Updated” date.

Your continued use of the Website after revised Terms are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.

These Terms and Conditions, and any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or any purchase or transaction with Capstone Metals, shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles.

To the extent permitted by applicable law, any legal action or proceeding arising out of or relating to these Terms, the Website, or any purchase or transaction with Capstone Metals shall be brought in the state or federal courts located in Ventura County, California, and you consent to the jurisdiction and venue of such courts.

Nothing in this provision shall be interpreted to deprive a consumer of any rights or protections that cannot lawfully be waived under applicable federal, state, or local law.

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by law.

These Terms, together with any applicable order-specific terms, policies referenced herein, and the Capstone Metals Privacy Policy, constitute the applicable agreement concerning your use of the Website and purchase of products from Capstone Metals, except where additional written terms expressly apply.

If you have questions regarding these Terms, your order, or the Website, please contact:

Capstone Metals — Website: capstonemetals.com — Email: info@captstonemetals.comPhone: (800) 200-9553

These Terms & Conditions are intended as a business-ready draft for Capstone Metals based on the supplied source material. Certain provisions—particularly cancellation and return rights, precious-metal order pricing, market-loss policies, limitation of liability, governing law, dispute resolution, and payment terms—should be finalized based on Capstone Metals’ actual business practices and reviewed by qualified legal counsel before publication.