Terms and Conditions
WELCOME TO www.igrbullion.com (the "Website"), operated by IGR Americas, INC.
Through this site (the “Website”) IGR Americas, Inc. (“IGR” or "the Company") provides online access to data about IGR and its precious metal products.
Please read these terms and conditions.
By accessing www.igrbullion.com, you agree to the terms and conditions (“terms of service” “TOS”) of this website. This Agreement made between IGR Americas, INC and you personally or if applicable on behalf of another individual for whom you are using the Website. Before you place any orders to purchase from and, or sell to IGR Americas, INC., you must read and accept the terms. These TOS apply to all orders, purchases, and sales whether made through the Website, by telephone or otherwise. If you do not understand or if you do not agree to the terms and conditions of this Agreement, disclaimers, disclosures or any other supplemental terms on the Website, you must discontinue your use immediately.
Please be informed that these terms and conditions are subject to change without notice for any reason without prior notice to you. If you continue to use the website after we have posted a change to the terms and conditions, then you have agreed to the new terms and conditions that are presented by the most recent version of this agreement. It is your responsibility to review the Website and this Agreement periodically and to be aware of any modifications.
USER REPRESENTATIONS AND RISKS:
IGR Americas, INC, and its employee do not act as personal investment advisors or do not sell items as an investment. We make no recommendations, projections, representations, or guarantee to the future price of any coin or precious metal. The contents of this website are just for reference use only and do not constitute the rendering of legal, financial or investment advice. Purchasing bullion and, or precious metals often involve a degree of risk like most investments, and there can be no guarantee of future profits. The value of coins and, or precious metals is affected by many factors, including but not limited to, the market price and economic factors. You should understand all the risks associated with purchasing precious metal and carefully consider the suitability of precious metals as a personal investment choice that may affect your financial situation. By using the website, you represent and warrant that you have sufficient experience and knowledge to make informed decisions to purchase from and sell to IGR Americas, INC. and IGR Americas, INC is not responsible or liable for any losses caused by your own decisions. You warrant and agree that you have the right and legal capacity to enter into this Agreement and to adhere to its terms and conditions. You warrant that you are a human individual that is eighteen (18) years of age or older. Any minors under the age of eighteen (18) prohibited from utilizing the Website and or related services. You warrant and represent that any and all information that you provide to IGR Americas, INC and the Website is accurate and valid. You agree to comply in good faith with the terms and conditions of this Agreement.
DISCLAIMER OF WARRANTIES:
IGR Americas, INC makes no warranty whatsoever and makes no representations or warranties regarding the availability, suitability, reliability, merchantability, non-infringement, capability, usefulness, or fitness for any general or particular purpose of the Website, or the services provided by or through the Website, or regarding the timeliness, accuracy or usefulness of information obtained from or through the Website. The Website and any materials or services provided by or through the Website is provided to You on an “AS IS” and “AS AVAILABLE” basis without warranty of any kind, either express or implied.
This Website could include technical or other mistakes, inaccuracies or typographical errors. We may make changes to the products and services on the Website, including the prices and descriptions of any product, at any time without notice. The materials or services on the Website may be out of date, and we do not commit to updating such materials or services. IGR Americas, INC. will not be held liable for network, internet, computer, hardware or software program malfunctions, failure, delays, or difficulties with the website at any time. The use of the services or the downloading or other acquisition of any informational materials through this Website is done at Your discretion and risk, and with your agreement that you will be solely responsible for any damage to your computer system or loss of data that results from such activities. Some States in the United States of America or Jurisdictions don't allow the exclusion of certain warranties, so some of the above limitations may not apply to you.
RESTRICTIONS of WEBSITE USE:
Usage of the Website is not acceptable in any way that violates the rights of third parties. You agree to comply with all applicable local, state, national, provincial, and international laws, international treaties, and regulations. Given the global nature of the Internet, you agree to comply with all regulations and rules where you reside and where you use 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 this Agreement or otherwise, except as expressly outlined in this Agreement. You will have no right to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit or sublicense from materials or content available on the Website, except as expressly outlined in this Agreement. By using the online site, you agree not to use or exploit any Website Content, without written permission from IGR Americas, INC.
ELECTRONIC ORDER RISKS:
We strive hard to assure the accuracy and information of the products and pricing that we provide on our site, discrepancies, pricing or typographical errors can occur at times due to product availability and changing market conditions.
IGR Americas, INC has the right at its sole discretion to cancel or refuse any orders placed on any of the products. We will notify you via electronic mail of such cancellation, and we do apologize in advance for when situations like this arise.
In addition to the other rights and the other remedies available to IGR Americas INC, in the event of any failure by you to comply with this User Agreement, IGR Americas INC, reserves the right to charge the credit card on which you have provided IGR Americas INC including, without limitation, any and all market losses incurred by IGR Americas INC, including cancellation fees for accepting your orders to either buy from or sell to us as a result of price and market fluctuations for which you did not fulfill. You expressly authorize IGR Americas, INC to charge your credit card for all of such amounts.
When registering you are designating that you are solely responsible for all activities and transactions that occur under your username and password. You must ensure that the information that you provide through your account is truthful, current, complete, and accurate. You understand and agree that you have an ongoing duty to update and keep current the information provided through your account if and when that information changes.
It is your responsibility to keep your username and password confidential. IGR Americas, INC will not be liable for any damages or losses that may arise from your failure to comply with the provisions above. You are expressly prohibited from creating an account that impersonates another person, contains offensive or obscene language, or otherwise violates the rights of a third party. You expressly agree that you will not use your account to interfere with or disrupt a third party’s enjoyment and use of the Website. IGR Americas, INC reserves the right to restrict access to, monitor, suspend, disable, or delete your Account at any time, in its sole discretion, and without prior warning.
PURCHASING AND SELLING PRECIOUS METALS:
You may place an order to buy from and or sell to the Company, only by this Agreement and any other supplemental terms on the website. Upon placing an order to buy or sell precious metals with the Company, you have entered into a binding and legally enforceable agreement.
A. PAYMENT OPTIONS
IGR Americas requires that all payments be made by credit card, debit card, bank wire, personal check, certified check, cashier’s check, or money order. By choosing to pay with a credit card, you expressly authorize IGR America, INC. to authorize and capture your credit card information before shipment. IGR Americas does not accept cash on delivery orders. The Company reserves the right to hold and wait for clearing of all personal checks, money orders, certified checks or cashier’s checks for ten (10) business days before shipment. Once this hold period has ended, your order will be processed and shipped.
All paper checks must be mailed within 48 hours of confirmed order and must be received by IGR within ten days from the date of order. If we do not receive your check within ten days, we reserve the right to cancel your order, and our standard order cancellation policy of a 5% restocking fee and any applicable market loss will apply.
In the event of a returned check, a $35 fee will be assessed to the client. Please make sure to include your order number in the memo section of your check. We may require additional information for security purposes.
The Company reserves the right to request additional documentation for certain credit card orders or any order. Regardless of payment type and price confirmation, the Company reserves the right to cancel or refuse any order, for any reason, at its sole discretion.
B. PURCHASING FROM IGR AMERICAS, INC.
You acknowledge that market prices fluctuate up or down through the day and therefore all sales are final and cannot be canceled, refunded or returned. Payment in full for orders must be initiated within five business days from the date your purchase is confirmed (the “Order Date”) to reserve your guaranteed price. IGR Americas, INC., reserves the right to cancel orders where payment is not dated within five (5) business days (Monday through Friday, EST Time Zone, USA) for all check and bank wire orders. If we choose to accept your late payment, a $35 late payment fee will be applied. Availability and pricing are subject to change without notice. Your Credit Card or Debit Card information is required to guarantee all orders.
Minimum Order Policy for Free Shipping is $99, any order under $99 will be charged a flat rate of $4.99.
Minimum Phone Order Policy is $500.
C. SELLING TO IGR AMERICAS, INC.
When selling to IGR Americas, INC, once your offer is confirmed, the price for your confirmed sale is locked in. You must provide IGR Americas, INC. with a tracking number for your product shipment within 1 (one) business day of sale confirmation. We will provide you “Sellback Contract” which will include any fees that may be associated and must be completed, with the product shipped, within 1 (one) business day of the contract formation. We reserve the right to charge you an assay fee to verify the purity and authenticity of the product that may be charged against the final sell-back price. All confirmed sales are FINAL, and you cannot cancel the confirmed sale. IGR Americas, INC will provide payment by check or bank wire transfer. Payments will typically be made within three business days of the shipment's arrival and verification; however, in rare cases they may take up to 10 business days. Sellers are responsible for all shipping and handling costs. Precious metals are most commonly shipped domestically via USPS Registered Mail, fully insured, with delivery signature required. It is the customer's sole responsibility to ensure packages are properly insured, as we cannot be held responsible for the loss of metals in transit. Documentation: In order to comply with anti-money laundering regulations, you may be asked to verify your identity prior to completing a sale of assets to IGR Americas, INC., including but not limited to: a copy of your driver's license, passport or other government issued ID matching the account records; an automated phone call or text message; or, a phone discussion with the Company's representative.
Once you placed an order to purchase from or sell to of any product with IGR Americas, INC you have entered into a binding legal agreement, and cannot cancel the confirmed order. Should you fail to meet your obligation, whether purchasing from or selling to IGR Americas, INC., you will forfeit any deposit made on the transaction. Further, we may at our sole discretion redeem the products or reverse the sale order at the current market prices. The confirmed Purchase price may be offset at IGR Americas. INC’s current Asking Price on the day that we receive your written request for the transaction. You shall be responsible for any losses suffered by IGR Americas, INC. All cancellations are subject to our Market Loss Policy plus a $35.00 (USD) cancellation fee. Cancellations may only be approved over the telephone. At that time, if any market loss to IGR Americas, INC. has occurred, it will be calculated and added to the $35.00 (USD) cancellation fee.
At IGR Americas, INC refund, return or exchange is limited to seven (7) days from the date on which the customer has received the products from us. You must notify IGR Americas Customer Service Department via telephone at 212 575 2388 within seven (7) business days from the date that you receive the item and follow the instructions provided to you, at that time. Shipping and handling charges are non-refundable. You are fully responsible for all taxes, as well as return shipping and handling costs.
The customer must make sure to carefully package and provide tracking for the product that they are returning and the customer will assume the full cost of return shipping. IGR Americas, INC may reject any returned or exchanged the item that does not reasonably conform to these terms. In the case where a customer requests to exchange an item, IGR Americas, INC expressly and reserves the right, in its sole andabsolute discretion, to find an acceptable replacement or refund your money should an acceptable replacement be unavailable. IGR Americas, INC at its sole discretion reserves the right to reject any returns or exchanges that do not comply with the requirements listed above. Returns, refunds, and exchanges are subject to IGR Americas, INC’s Market Loss Policy. If market gains were to be incurred on a refund, return or exchanges those gains shall remain the property of IGR Americas, INC.
MARKET LOSS POLICY:
Upon securing a purchase from or sell to IGR Americas, INC, the price is guaranteed and you may not cancel the transaction. The transaction may only be offset at IGR Americas, INC. current spot price. If your item is canceled, you are responsible for any losses between your guaranteed price and offsetting price. Any and all market gains on refunds, returns, and exchanges shall belong solely to IGR Americas, INC.
Without limiting any other legal or equitable rights and remedies available to IGR Americas, you authorize IGR Americas, INC. to apply any losses, additional costs and/or the Redemption Fee to your account or to charge these payments to the card used to secure your order. IGR Americas, INC may elect to apply any and all of your funds in its possession to satisfy your monetary obligations and/or may offset any obligations that IGR Americas, INC. may have to you. IGR Americas, INC also reserves the right, in its sole and absolute discretion, to apply any/all funds in its possession toward the satisfaction of your obligations to IGR Americas, INC. IGR Americas, INC does charge a 10% of the total of the purchase price as a restocking fee on all orders that are returned.
You agree not to file a credit card or debit card chargeback with regard to any purchase and instead abide by the dispute resolution procedures outlined below. In the event that you breach this agreement and file a chargeback, upon a resolution in our favor of the chargeback by either the credit card issuing bank, the credit card processor or by VISA, MASTERCARD, AMEX or DISCOVER, you agree to reimburse us for any costs incurred in researching and responding to such chargeback, including without limitation, our actual costs paid to the credit card processor or our banks, other third parties, and the reasonable value of the time of our employees and owners spent on the matter, as determined in our discretion in good faith. You further agree that all dispute resolution procedures below will be deemed waived by you, and that these amounts will be added to the original amount of the order, and that this total amount will then be immediately due and payable. If your chargeback is upheld, you agree to pay all of the same costs, in addition to the original purchase price.
Shipments may take up to thirty (30) days from completed payment, depending upon the payment method. The Company reserves the right to hold and wait for clearing of all personal checks, money orders, certified checks or cashier’s checks for ten (10) business days and credit card payments for thirty (30) days before shipment. IGR Americas, INC. normally ships with the US Postal System, but may at its discretion choose to use a different shipping provider. Each package over $250 requires a signature upon delivery. IGR Americas, INC fully insures all of its shipments. Should anything happen while your package is in transit to you it will be covered by our insurance policy. we will not accept responsibility if you have left instructions with any carriers or delivery service to leave parcels unattended for you without the need for a signature or if you have given them instructions to forward your package or leave your package with a third party. However, we will not be responsible if the package tracking information shows as delivered. Once the item as per our tracking information shows it was delivered as promised we are no longer liable on our insurance policy and it is the customer’s responsibility at that point. When we ship the items to you, if the items are damaged or lost in transit we will accept full responsibility and file a claim with our insurance policy. If an item is lost in transit we reserve the right at our own discretion to reship your item or provide you with a refund. Any issues or problems with a shipment MUST be reported within 2 business days. Any Paypal orders require Billing and Shipping addresses to be verified and confirmed. We do not ship to any drop locations or non-USPS mail services such as UPS stores, Mail Boxes Etc., and other retail post box centers.
Either IGR Americas, INC. or You may terminate this User Agreement, with or without cause, including convenience at any time by written notice. The termination of this User Agreement shall not affect the rights and the obligations of IGR Americas, INC., and You with respect to the period prior to the termination. IGR Americas reserves the right and sole discretions to suspend or terminate access to or part of its website at its discretion without any notice or reason. Once suspended or terminated from the use of our website your right to use our site ceases immediately. IGR Americas will not be liable to the customer or any third party for any damages or claims arising from the termination or suspension of your account. Also, any fraudulent, illegal or abusive activity may be referred to appropriate law enforcement authorities at our discretion.
If IGR Americas, INC cannot perform any of its obligations hereunder as a result of any event that is reasonably beyond its control. IGR Americas, INC’s delay or failure to perform such obligation shall be excused and IGR Americas shall not be liable for any damages as a result of, or in connection with, such delay or failure to complete the transaction.
GOVERNING LAW and ARBITRATION AGREEMENT:
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 IGR Americas, INC with respect to this Agreement 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 New York in accordance with the Rules of the American Arbitration Association. By entering into this agreement, 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 this agreement 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, must be filed within one calendar year after such claim or cause of action arises, or forever be barred. In the event that IGR Bullion, INC has to take any action against a customer in order to enforce your obligations under this User Agreement, including, without limitation, turning your account over to a collection agency or a lawyer for collection, the customer shall have to pay all of the costs and the expenses incurred by IGR Americas INC, including, without limitation, reasonable attorneys' fees, in connection with such action.
You agree to indemnify and hold harmless IGR Americas, INC and its affiliates, directors, partners, managers, officers and shareholders from and against any and all costs, damages, expenses, liabilities and obligations, including, without limitation, reasonable attorneys' fees, that you may incur as a result of, or in connection with the use of this website or any violations that may arise from this agreement and or use of our website.
If you have any questions or concerns about this agreement or the policies, please do not hesitate to contact us at:
IGR Americas (NY Office):
New York, NY 10036
Office: +1 (212) 575-2388