Terms & Conditions

Terms & Conditions

Last Updated: June 7, 2026

These Terms & Conditions constitute an agreement between you (“you,” “your,” “user,” or “customer”) and International Gold and Silver LLC, a Michigan limited liability company (“International Gold and Silver,” “we,” “us,” or “our”), and govern your use of our website, applications, mail-in appraisal kit services, in-person services, communications, and any related services we offer, including the evaluation and potential purchase of gold, silver, platinum, coins, bullion, jewelry, dental scrap, and other precious metal items.

Our principal business address is:

International Gold and Silver LLC
1805 Greenwood Rd
Prescott, MI 48756
Ogemaw County, Michigan

The Services are intended for personal use only. Businesses, wholesalers, estates, bulk sellers, or customers seeking high-volume transactions should contact us directly to determine whether a separate written agreement is required.

By accessing our website, requesting an appraisal kit, mailing items to us, visiting us in person, accepting an offer, or otherwise using our Services, you agree to be bound by these Terms & Conditions and any applicable Privacy Policy.

IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, DO NOT USE OUR WEBSITE, REQUEST A KIT, SEND ITEMS TO US, ACCEPT AN OFFER, OR USE OUR SERVICES.

ARBITRATION NOTICE: Except for certain disputes described below, you and International Gold and Silver LLC agree that disputes may be resolved through binding, individual arbitration. You waive the right to a jury trial and waive the right to participate in a class action, representative action, collective action, or private attorney general action, whether in court or arbitration, to the fullest extent permitted by law.

1. Definitions

For purposes of these Terms:

“Assay” means the process used to evaluate the metal content, purity, authenticity, and quality of an item. This may include, but is not limited to, X-ray fluorescence testing, acid testing, magnet testing, density testing, electronic testing, visual inspection, weight verification, or other industry-standard testing methods.

“Bonus Offer” means a promotional incentive, coupon, referral bonus, competitor bonus, or other special offer that may increase an Initial Estimate or Final Offer, subject to eligibility requirements.

“Final Offer” means the final purchase offer made by International Gold and Silver after receiving and evaluating your Goods. A Final Offer may be accepted or rejected by you before payout or return.

“Goods” means any item or items you send, deliver, or present to International Gold and Silver for evaluation, whether or not the items contain precious metals.

“Initial Estimate” means a preliminary, non-binding estimate provided before we physically inspect and test your Goods. Initial Estimates are based on information you provide and are not guaranteed.

“Items Outside Our Criteria” means items we do not purchase or do not assign value to, including but not limited to non-precious metals, plated items, costume jewelry, base metals, certain stones, accessories, packaging, or items that cannot be verified.

“Lot” means the complete group of Goods submitted by a customer in one shipment, kit, appointment, or transaction.

“Non-Precious Metal Goods” means items or parts of items containing non-precious materials, including but not limited to stones, pearls, straps, leather, plastic, stainless steel, packaging, boxes, or accessories.

“Parcel” means the package, envelope, box, or container used to ship Goods to or from International Gold and Silver.

“Precious Metals” means gold, silver, platinum, palladium, and any other precious metal we may choose to evaluate or purchase.

“Services” means our website, appraisal kit program, mail-in precious metals evaluation service, walk-in or appointment-based buying service, communications, offers, payouts, returns, insurance-related procedures, and all related services.

2. Eligibility

To use our Services, you must:

  1. Be at least 18 years old.

  2. Be legally able to sell the Goods you submit.

  3. Be the true and lawful owner of the Goods, or be legally authorized to sell them.

  4. Provide accurate, current, and complete information.

  5. Complete any identity verification we require.

  6. Reside in the United States or a U.S. territory, unless we approve otherwise in writing.

  7. Not be prohibited from doing business with us under applicable law.

  8. Agree to these Terms and all related policies.

By using our Services, requesting a kit, shipping Goods, or appearing for an in-person transaction, you represent and warrant that all information you provide is true and accurate to the best of your knowledge. You further represent that you are the sole lawful owner of the Goods or have full legal authority to sell the Goods.

We rely on your ownership representation. We are not responsible for competing ownership claims, stolen property claims, inheritance disputes, marital property disputes, business disputes, lien claims, or any other third-party claims relating to Goods you submit.

3. Account, Registration, and Customer Information

Certain Services may require you to create an account, complete a form, request an appraisal kit, upload photos, provide identity information, or communicate with us by phone, text, email, or other means.

You agree to keep your information accurate and up to date. We may decline, suspend, or terminate access to our Services if we believe the information provided is incomplete, inaccurate, fraudulent, suspicious, or otherwise violates these Terms.

We may update these Terms at any time. Updated Terms become effective when posted to our website or otherwise provided to you, unless a different effective date is stated. Continued use of our Services after changes are posted or provided means you accept the updated Terms.

4. Shipping & Insurance

Packaging Responsibility

Customers are responsible for securely packaging all Goods before shipment. You must use packaging materials, labels, procedures, and instructions provided or approved by International Gold and Silver.

If you use packaging, shipping labels, carriers, or methods not provided or approved by us, you assume all responsibility for shipping costs, delivery issues, insurance limitations, loss, theft, damage, delays, fees, taxes, and claims.

Failure to follow our packaging instructions may result in the denial of insurance coverage or claim assistance.

Approved Shipping Method

To qualify for any shipment insurance or claim support, you must use the shipping label and shipping method provided or approved by International Gold and Silver. Any Goods shipped using an unapproved carrier, unapproved label, incorrect address, drop box, kiosk, locker, or unstaffed location may not qualify for insurance coverage.

Drop-Off Requirement

To qualify for insurance coverage, you must physically hand the package to an employee at an approved staffed carrier location and obtain a printed or electronic drop-off receipt showing that the package was accepted and scanned by the carrier.

Packages left in unstaffed drop boxes, roadside collection boxes, kiosks, lockers, mailrooms, porches, counters without scan confirmation, or other unattended areas may not be eligible for insurance coverage.

You must keep your drop-off receipt until the transaction is fully completed.

Photos and Shipment Qualification

Before shipping, customers may be required to provide clear photos or videos of the items being sent, including photos of the items next to the provided shipping envelope or packaging.

To qualify for insurance or claim support, customers may be required to:

  1. Provide photos of all items before shipment.

  2. Provide a written description of the items.

  3. Provide estimated weights, purities, or values when known.

  4. Obtain written approval from International Gold and Silver before shipping high-value Goods.

  5. Follow all packaging and drop-off instructions.

Insurance Coverage

Insurance coverage, if available, applies only to eligible shipments that meet all requirements stated in these Terms and any instructions we provide. Coverage limits may vary based on the shipment, carrier, insurer, item description, documentation, and approval status.

Insurance does not guarantee payment of a claim. Claims may require documentation, investigation, carrier cooperation, proof of ownership, proof of value, police reports, affidavits, identity verification, or other information.

International Gold and Silver is not responsible for loss, theft, damage, or delay caused by the carrier, customer packaging errors, incorrect addresses, unapproved shipping methods, lack of documentation, fraudulent claims, or failure to follow instructions.

Return Shipping

If you reject a Final Offer and request return of eligible Goods, we will arrange return shipment using the method we determine is appropriate. Once return shipping is processed, tracking information may be provided by email, text, or upon request.

5. Receipt, Opening, Inspection, and Testing of Goods

Receipt of Goods

Receipt by the carrier does not mean receipt by International Gold and Silver. Goods are considered received by us only when they are delivered to our facility and accepted into our processing system.

Video Recording

Parcels may be opened, inspected, weighed, sorted, tested, and processed under video surveillance. Video recording is used for security, documentation, fraud prevention, and dispute resolution. We may retain or delete such recordings in accordance with our internal policies and applicable law.

Weighing

Goods are weighed using scales intended for commercial accuracy and compliance with applicable weights and measures requirements. Weight may be measured by total Lot, item, metal type, purity category, or any other method we determine is appropriate.

Testing and Assay Process

Goods may be tested for metal content, purity, authenticity, and value. Testing may include methods that scratch, mark, file, cut, acid test, or otherwise alter the item. By submitting Goods to us, you consent to testing and understand that minor or visible damage may occur.

International Gold and Silver is not liable for pre-existing damage, ordinary testing marks, damage caused by required testing, damage caused by packaging, or damage resulting from the nature or condition of the Goods.

Stones, Packaging, and Non-Metal Materials

Unless we agree otherwise in writing, non-precious materials such as stones, pearls, watch bands, boxes, packaging, plastic, leather, and accessories may not be included in valuation.

We do not guarantee the return of packaging materials, jewelry boxes, presentation containers, wrapping, bags, holders, or accessories sent with Goods.

Certain items may need to be removed from settings, casings, packaging, or other materials for evaluation. By submitting Goods, you authorize us to perform reasonable handling, separation, and testing.

Suspicious, Fraudulent, or No-Value Goods

If a Parcel or Goods appear suspicious, fraudulent, tampered with, counterfeit, stolen, misrepresented, unsafe, empty, or intended to defraud or harm International Gold and Silver, we may refuse to process the transaction, suspend payout, refuse return, retain evidence, report the matter to law enforcement, or take any action permitted by law.

Goods that have no value, fall outside our buying criteria, or are not as described may not be eligible for insurance, payout, or free return.

6. Pricing, Estimates, and Final Offers

Initial Estimates Are Not Binding

Any Initial Estimate provided before physical inspection is for informational purposes only. Initial Estimates may be based on photos, descriptions, stated weights, stated purities, market prices, or other information you provide.

Initial Estimates are not guaranteed and are not binding on International Gold and Silver.

Final Offer Calculation

Final Offers are based on our evaluation of the Goods actually received, including factors such as:

  1. Metal type.

  2. Weight.

  3. Purity.

  4. Authenticity.

  5. Condition.

  6. Market price.

  7. Refining costs.

  8. Handling and transaction costs.

  9. Risk, fraud prevention, and compliance requirements.

  10. Any applicable promotional offers.

A general pricing method may include:

Internal Spot Price × Verified Weight × Verified Purity Percentage – Transaction Costs

We are not obligated to use any particular published spot price, exchange price, market price, or third-party quote. Precious metal prices fluctuate, and our Final Offer may differ from estimates, advertisements, or competitor offers.

Final Offers Supersede Prior Communications

A Final Offer supersedes any prior estimate, discussion, advertisement, phone quote, text message, email, verbal statement, website estimate, or preliminary offer.

Offer Response Time

Unless otherwise stated, you must accept or reject a Final Offer within 48 hours after it is sent. If you do not respond within that period, we may adjust the offer due to market movement, hold the Goods, return the Goods, or take other action consistent with these Terms and applicable law.

If you do not accept, reject, or request return within ninety (90) days, the Goods may be treated as abandoned to the fullest extent permitted by law.

Non-Negotiable Offers

Final Offers are generally non-negotiable unless we choose, in our sole discretion, to review a competitor offer, apply a promotion, correct an error, or issue a revised offer.

7. Bonus Offers, Promotions, and Competitor Offers

Bonus Offers, coupons, referral bonuses, promotional codes, and competitor match offers are subject to eligibility requirements and may be changed, suspended, or discontinued at any time.

A minimum transaction amount may be required to qualify for a Bonus Offer. Unless otherwise stated in writing, Bonus Offers cannot be combined.

To qualify for a competitor offer or best offer guarantee, if offered, you may be required to provide a written competitor offer showing item weight, purity, metal type, date, and total amount. Competitor offers must be current, verifiable, and comparable to our evaluation.

We reserve the right to reject competitor offers that are outdated, unverifiable, conditional, misleading, based on different weights or purities, or otherwise not comparable.

8. Returns

If you reject a Final Offer before payout, you may request the return of eligible Goods.

Once a Final Offer is accepted, payout is initiated, or payment is made, the transaction is final and the Goods become the property of International Gold and Silver. After acceptance, Goods cannot be returned for any reason, including regret, market price changes, mistaken assumptions, family disputes, or later claims that you no longer wish to sell.

Return Eligibility

Goods may not be eligible for return if they are:

  1. Suspected of being stolen, fraudulent, counterfeit, or illegal.

  2. Subject to a law enforcement request, hold, investigation, or legal claim.

  3. No-value Goods or items outside our criteria.

  4. Packaging, boxes, or accessories not included in valuation.

  5. Abandoned under these Terms.

  6. Otherwise restricted by law.

Return Insurance

Return shipments may be insured up to the amount of our Final Offer or another amount determined by us, subject to carrier and insurer limitations. Items evaluated at $0 or outside our buying criteria may not qualify for insurance.

Return Liability

Once a return Parcel is delivered to the carrier, risk of loss may pass to the customer to the fullest extent permitted by law. If a returned package is lost, stolen, damaged, or marked delivered but not received, the customer may be responsible for working with the carrier and law enforcement. We may reasonably cooperate with investigations but are not responsible for losses caused by the carrier or theft after delivery.

9. Payouts

Available payout methods may include check, ACH, wire transfer, PayPal, or other methods we approve. Payout methods are subject to change.

Payout timing depends on the payout method, bank processing, fraud prevention review, compliance review, weekends, holidays, and other factors. Some payouts may be completed quickly, while others may take up to 10 business days or longer.

You are responsible for providing accurate payout information. International Gold and Silver is not responsible for payments sent to incorrect accounts, incorrect names, incorrect addresses, closed accounts, third-party accounts, or incorrect information provided by you.

Third-party payment processors may charge fees. We are not responsible for third-party fees, processing delays, holds, reversals, or errors outside our control.

If we issue a payment greater than the agreed Final Offer, duplicate a payment, or make a payment error, you agree that we may recover the overpaid amount. You agree to cooperate with repayment or reversal of any mistaken payment.

All payments for accepted Goods are final and non-refundable.

10. Ownership, Identity Verification, and Stolen Goods

You represent and warrant that:

  1. You are the lawful owner of all Goods submitted.

  2. The Goods are not stolen.

  3. The Goods are not subject to liens, claims, disputes, or restrictions.

  4. You have full authority to sell the Goods.

  5. Your identity information is accurate.

  6. You are not using our Services for illegal activity.

We may require government-issued identification, proof of address, proof of ownership, receipts, appraisals, affidavits, video verification, or other information before evaluating Goods, issuing an offer, making a payout, or returning Goods.

If we suspect Goods are stolen, counterfeit, fraudulent, or involved in illegal activity, we may place the transaction on hold, withhold payout, retain Goods, contact law enforcement, provide information to authorities, or take other action permitted by law.

International Gold and Silver is not liable for losses caused by customers submitting stolen, disputed, unauthorized, counterfeit, or fraudulent Goods.

11. Prohibited Uses

You may not use our Services for:

  1. Fraud, misrepresentation, or impersonation.

  2. Selling stolen, counterfeit, or illegally obtained Goods.

  3. Money laundering or illegal financial activity.

  4. Submitting false identification or false ownership information.

  5. Abusive, threatening, harassing, or inappropriate conduct.

  6. Attempting to manipulate estimates, promotions, or valuation systems.

  7. Excessive test submissions without genuine intent to sell.

  8. Unauthorized scraping, data collection, or interference with our website.

  9. Spam, misleading communications, or false claims.

  10. Any transaction prohibited by federal, state, or local law.

Violation of this section may result in refused service, account suspension, termination, forfeiture of promotional eligibility, transaction holds, reporting to law enforcement, or legal action.

12. Security and Privacy

We use reasonable administrative, technical, and physical safeguards intended to protect customer information and submitted Goods. However, no website, communication method, shipping system, payment system, or storage method is completely secure.

We are not responsible for unauthorized access, data breaches, delays, errors, or losses caused by third-party platforms, carriers, payment processors, internet providers, email providers, phone carriers, or other third parties outside our reasonable control.

Our collection, use, and disclosure of personal information is governed by our Privacy Policy.

13. Intellectual Property

All content on our website and in our materials, including text, graphics, designs, logos, trade names, service names, images, videos, forms, instructions, and layouts, is owned by or licensed to International Gold and Silver LLC unless otherwise stated.

You may use our website and materials only for personal, non-commercial use related to our Services. You may not copy, reproduce, modify, distribute, display, publish, scrape, reverse engineer, or create derivative works from our content without our prior written permission.

All trademarks, trade names, logos, slogans, and branding associated with International Gold and Silver LLC are the property of International Gold and Silver LLC or their respective owners.

14. Limitation of Liability, Disclaimer, and Indemnification

Limitation of Liability

To the fullest extent permitted by law, the total liability of International Gold and Silver LLC, its owners, members, managers, officers, employees, contractors, agents, affiliates, insurers, and service providers for any claim related to the Services, Goods, shipping, offers, payouts, returns, or these Terms shall be limited to the lesser of:

  1. $5,000 per transaction;

  2. One-third of the applicable Final Offer;$

  3. The insured value of the eligible Parcel; or

  4. The amount required by applicable law.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

No Consequential Damages

To the fullest extent permitted by law, International Gold and Silver LLC will not be liable for lost profits, lost business, loss of use, emotional distress, incidental damages, special damages, punitive damages, exemplary damages, indirect damages, or consequential damages, even if we were advised such damages could occur.

Disclaimer of Warranties

The Services are provided “as is” and “as available.” We make no warranty that the Services will be uninterrupted, error-free, accurate, secure, timely, or suitable for your particular purpose.

We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement, to the fullest extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless International Gold and Silver LLC, its owners, members, managers, officers, employees, contractors, agents, affiliates, insurers, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, expenses, and attorney fees arising out of or related to:

  1. Your violation of these Terms.

  2. Your use of the Services.

  3. Your submission of Goods.

  4. Your ownership representations.

  5. Any third-party claim to Goods you submitted.

  6. Fraud, misrepresentation, or illegal conduct by you.

  7. Your violation of applicable law.

Waiver

Failure by either party to enforce any provision of these Terms does not waive the right to enforce that provision later.

15. Informal Dispute Resolution

Please read this section carefully. It limits how disputes may be brought and requires disputes to be handled on an individual basis.

The term “Dispute” means any dispute, claim, action, or controversy between you and International Gold and Silver LLC arising out of or relating to these Terms, the Services, Goods, shipments, payouts, returns, insurance claims, communications, website use, or any related matter.

Before filing arbitration or a lawsuit, the party with a Dispute must first send a written notice of dispute and attempt to resolve the Dispute informally for at least sixty (60) days.

A valid notice of dispute must include:

  1. The claimant’s name, address, phone number, and email address.

  2. A description of the nature and facts of the Dispute.

  3. The relief requested.

  4. Any damages claimed and how they were calculated.

  5. A statement that the claimant is submitting the notice under these Terms.

  6. A personal signature from the claimant.

Customer notices must be sent to:

International Gold and Silver LLC
Re: Notice of Dispute
1805 Greenwood Rd
Prescott, MI 48756

With a copy by email to: info@internationalgoldandsilver.com
Subject line: Notice of Dispute

We may send notices to you using the contact information we have on file.

During the informal resolution period, both parties agree to make a good-faith effort to resolve the Dispute. Either party may request a telephone or video settlement conference. The parties agree to cooperate in scheduling and attending such conference.

No party may begin arbitration or court proceedings regarding a Dispute until the informal resolution period has ended, unless emergency relief is needed or applicable law allows otherwise.

16. Arbitration Agreement and Class Action Waiver

To the fullest extent permitted by law, you and International Gold and Silver LLC agree that any Dispute not resolved through informal dispute resolution may be resolved by binding individual arbitration.

Class Action Waiver

No Dispute may be brought, heard, or arbitrated as a class action, collective action, representative action, private attorney general action, or consolidated action. You and International Gold and Silver LLC may bring claims only in an individual capacity.

An arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party’s individual claim.

Arbitration Rules

Unless otherwise agreed, arbitration shall be administered by the American Arbitration Association under its applicable consumer arbitration rules or other applicable rules. If the AAA is unavailable or unwilling to administer the arbitration, the parties may agree to another arbitration provider or request that a court appoint an arbitrator.

The arbitration may be conducted through written submissions, telephone, video conference, or in-person hearing, as determined by the arbitrator and applicable rules.

Arbitration Location

Unless otherwise required by law or agreed by the parties, arbitration shall take place in Ogemaw County, Michigan, or remotely by telephone, video, or written submission.

Arbitration Fees

Filing, administrative, and arbitrator fees shall be handled according to the applicable arbitration rules and law. Each party is responsible for its own attorney fees, expert fees, and costs unless applicable law or the arbitrator allows recovery.

Exceptions to Arbitration

The following matters are not required to be arbitrated:

  1. Disputes that qualify for small claims court.

  2. Disputes about the validity, enforceability, or scope of this arbitration agreement.

  3. Claims for emergency injunctive relief.

  4. Claims that cannot legally be required to be arbitrated.

Right to Opt Out

You may opt out of this arbitration agreement by sending a signed written notice within thirty (30) calendar days after first accepting these Terms or first using the Services, whichever occurs first.

Your written opt-out notice must include your name, address, phone number, email address, and a clear statement that you opt out of the arbitration agreement.

The opt-out notice must be mailed to:

International Gold and Silver LLC
Arbitration Opt-Out
1805 Greenwood Rd
Prescott, MI 48756

Opting out of arbitration does not affect the remaining provisions of these Terms.

17. Governing Law, Venue, and Jurisdiction

These Terms and any Dispute shall be governed by the laws of the State of Michigan and applicable federal law, without regard to conflict-of-law rules.

For any Dispute not subject to arbitration, the parties consent to the jurisdiction and venue of the state courts located in Ogemaw County, Michigan, or the federal court with jurisdiction over Ogemaw County, Michigan, as applicable.

18. Force Majeure

International Gold and Silver LLC is not liable for any delay, loss, change in value, inability to perform, or failure to perform caused by events outside our reasonable control.

Force majeure events may include, but are not limited to, acts of God, severe weather, fire, flood, natural disaster, pandemic, epidemic, public health emergency, government order, war, terrorism, vandalism, labor disruption, carrier delay, supply shortage, utility outage, internet outage, cyberattack, payment processor outage, equipment failure, market disruption, refinery delay, law enforcement hold, or any similar event beyond our reasonable control.

Precious metal prices may change during delays caused by force majeure events.

19. Communications and Marketing

By providing your phone number, email address, mailing address, or other contact information, you authorize International Gold and Silver LLC to contact you regarding your account, appraisal kit, shipment, offer, payout, return, transaction, identity verification, insurance claim, or other Service-related matter.

Transactional communications may be sent by phone, text message, email, mail, or other available methods. You may not opt out of transactional communications necessary to provide the Services.

Marketing communications may be sent where permitted by law. You may opt out of marketing emails or texts by following the instructions provided in those messages or contacting us.

20. Insurance Claims Process

International Gold and Silver may assist with insurance claims for eligible shipments that meet the requirements of these Terms and any instructions we provide. Claim eligibility depends on the carrier, insurer, documentation, packaging, drop-off method, declared or approved value, and compliance with all shipping procedures.

Claim Eligibility

To qualify for claim assistance, you may be required to show that:

  1. You used our approved shipping label and method.

  2. You followed all packaging instructions.

  3. You physically handed the package to an employee at an approved staffed carrier location.

  4. You obtained and retained a drop-off receipt.

  5. You provided photos or videos of the Goods before shipment.

  6. You provided required identity and ownership documentation.

  7. You notified us promptly of any suspected loss, theft, or damage.

  8. You cooperated with the carrier, insurer, and any investigation.

Failure to meet these requirements may result in denial of claim assistance or denial of insurance coverage.

Claim Timeline

Customers must notify International Gold and Silver promptly upon discovering or reasonably suspecting loss, theft, damage, tampering, or delivery issues. Claims should be submitted within 30 days of notice of the issue unless a shorter carrier or insurer deadline applies.

Required Documentation

To process or assist with a claim, we may require:

  1. Carrier tracking number.

  2. Drop-off receipt showing carrier acceptance and scan.

  3. Photos or videos of the Goods before shipment.

  4. Photos of the sealed package before drop-off.

  5. Written description of the Goods.

  6. Estimated weight, purity, and value.

  7. Proof of ownership, receipts, appraisals, or prior transaction records.

  8. Government-issued photo ID.

  9. Proof of address.

  10. Police report, notarized affidavit, or sworn statement.

  11. Any other information requested by the carrier, insurer, law enforcement, or International Gold and Silver.

Failure to provide required documentation may result in claim denial.

Claim Investigation

Claims may require investigation by the carrier, insurer, International Gold and Silver, law enforcement, or other parties. Processing times vary and may take 30 business days or longer.

If a claim is approved, payment may be limited to the approved insured value, carrier liability, insurer determination, or other applicable limit.

If a claim is denied, we may provide available explanation or documentation, but we are not responsible for claim denial caused by lack of documentation, non-compliance, carrier decision, insurer decision, or suspected fraud.

Claim Denials

Claims may be denied for reasons including:

  1. No valid drop-off receipt.

  2. Use of unapproved packaging, label, carrier, or drop-off method.

  3. Inaccurate or inflated item value.

  4. Missing photos, proof of ownership, or identity documentation.

  5. Late claim submission.

  6. Failure to cooperate.

  7. Fraudulent statements or misrepresentation.

  8. Tampered packaging.

  9. Items not matching the description provided.

  10. Exclusions under carrier or insurer policies.

21. Right to Refuse Service

International Gold and Silver LLC reserves the right to refuse service, cancel a transaction, suspend an account, reject a shipment, return Goods, or decline future business at our sole discretion, subject to applicable law.

Reasons may include:

  1. Suspected fraud.

  2. Counterfeit, stolen, or suspicious Goods.

  3. Abusive, threatening, harassing, or inappropriate conduct.

  4. False identity or impersonation.

  5. Attempting to manipulate offers or promotions.

  6. Failure to provide required documentation.

  7. Excessive or abusive use of the appraisal process.

  8. Violation of these Terms.

  9. Any reason we determine creates legal, financial, security, or reputational risk.

22. Fraud Prevention and Response

All transactions may be subject to automated and manual fraud review. We may monitor transactions for suspicious activity, duplicate accounts, inconsistent information, unusual shipment patterns, altered documentation, mismatched identities, or other risk indicators.

We may require additional verification before issuing an offer, payout, or return. Verification may include government ID, proof of address, video verification, proof of ownership, receipts, appraisals, or sworn statements.

If fraud is suspected, we may place the transaction on hold, freeze payout, suspend the account, retain Goods, cancel promotions, report the matter to law enforcement, or pursue civil or criminal remedies.

International Gold and Silver LLC is not liable for losses caused by customer fraud, identity theft, stolen property, false statements, or illegal activity.

23. Walk-In or Appointment-Based Transactions

Walk-in or in-person transactions may be available by appointment only. Customers must be at least 18 years old and present a valid government-issued photo ID.

Items may be weighed, inspected, and tested on site. Offers made during in-person transactions are final once accepted.

Customers must raise any disputes, questions, or concerns before accepting the offer and leaving the premises. Once an offer is accepted and the customer leaves, International Gold and Silver LLC becomes the owner of the Goods and the transaction is final.

In-person transactions may be recorded by security cameras. If fraudulent activity is suspected, the transaction may be placed on hold and reported to law enforcement.

24. Compliance with Laws and Regulations

International Gold and Silver LLC intends to comply with applicable federal, state, and local laws, including laws relating to precious metal and gem dealers, customer identification, anti-money laundering, stolen property, consumer protection, tax reporting, sanctions, and law enforcement cooperation.

Customers may be required to provide valid identification and other information before completing a transaction.

Transactions meeting reporting thresholds may be reported to appropriate authorities where required by law.

We do not knowingly purchase stolen goods, counterfeit goods, illegally obtained goods, or goods involved in prohibited transactions.

We may refuse, hold, report, or surrender Goods where required or permitted by law.

25. Refund, Reversal, and Chargeback Policy

Payouts are final once initiated or completed. After you accept a Final Offer and payout is initiated, you may not cancel the transaction, request a refund, reverse the sale, or demand return of the Goods.

If a payment error occurs, we may investigate and correct the error.

If a customer initiates an unauthorized reversal, chargeback, payment dispute, or other improper attempt to recover funds after selling Goods, we may suspend the customer’s account, seek repayment, refer the matter to collections, report suspected fraud, or pursue legal action.

26. Severability

If any provision of these Terms is found unlawful, invalid, or unenforceable, that provision will be severed or modified to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

27. Entire Agreement

These Terms, together with any Privacy Policy, written offer, shipping instructions, claim instructions, or other written policies provided by International Gold and Silver LLC, constitute the entire agreement between you and International Gold and Silver LLC regarding the Services.

These Terms supersede prior discussions, communications, estimates, advertisements, or understandings, except for written agreements signed by an authorized representative of International Gold and Silver LLC.

28. Contact Information

For questions about these Terms, your shipment, an appraisal kit, an offer, a payout, a return, or an insurance claim, contact us at:

International Gold and Silver LLC
1805 Greenwood Rd
Prescott, MI 48756
Ogemaw County, Michigan

Email: info@internationalgoldandsilver.com
Phone: (401) 315-4653‬
Website: Internationalgoldandsilver.com



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