Terms & Conditions

Non-Cancelable Orders

Pricing & Payment

“As Low As” prices apply to eligible ACH, check, cash, approved bank-wire, and confirmed pre-funded balance purchases. Credit/debit card product prices are 4% higher than the cash/ACH base price, with the adjustment included in the displayed checkout price. Compare the final total for your selected payment method; the product page and checkout show the price for each available payment method.

ACH bank payments

Before paying by ACH, complete Verified Account setup in My Account so we can review your account and shipping address. Connect your bank securely through Stripe, enter your full US billing address, and confirm that the bank account is in your name. After verification passes, return to Ploutos, review the amount, and click Pay. Once Stripe accepts your payment, your order moves to Processing and your price is locked. You do not need to call to confirm the payment. We will contact you if we need anything else.

Stripe typically takes four business days after payment submission to settle a standard ACH payment. Weekends and bank holidays do not count; processing cutoffs or bank delays may extend this estimate. Processing means we have accepted your order; your bank payment may still be clearing. Before we ship or arrange pickup, we will confirm that your payment has cleared and any remaining balance is paid. Wait for your shipping confirmation or pickup-ready notice. Do not submit a second payment while one is pending.

Cash and personal checks

In-person payments require an approved arrangement and appointment. Cash purchases may be collected the same day when products are available. Check payments require identification and five business days for clearing; release also depends on confirmed clearance and product availability.

Steady Stack

Your first Steady Stack purchase uses ACH. You can place it before your Steady Stack application is approved. Sign in, select your eligible products, quantities, purchase frequency and delivery preference, then complete instant bank verification and bank-owner matching. The same verified bank is saved for future automatic purchases under your recurring-payment authorization. If your bank is unsupported, try another eligible checking account; an unsupported bank cannot be used for Steady Stack.

Submit your ID and phone verification within 72 hours after submitting your first ACH payment. We send reminders at 24 and 48 hours. If you do not submit on time, you are not enrolled in Steady Stack and your first order remains a normal purchase. If you submit on time, enrollment stays pending while Ploutos reviews it. Approval is not guaranteed. A declined application does not by itself cancel the first order.

Automatic purchases begin only after Ploutos approves your verification, saved bank and delivery address and your first payment clears. The next eligible future scheduled date is used; missed dates are skipped without catch-up charges. Each purchase uses your selected quantity and the current price when the order is placed, so its dollar amount can change. Future prices are not locked at enrollment. If your first ACH fails, no automatic retry is attempted; call 617-564-1630 for help.

You may cancel a pending enrollment anytime. Changes, pauses and cancellation of active plans must be submitted by 11:59 p.m. Eastern the night before the scheduled purchase and before its price locks. Cancelling a plan does not cancel an order already placed. Approval generally remains valid for up to 24 months, subject to security and reverification requirements. You may explicitly reactivate using a cleared first purchase and your original approved bank when your verification is current; cancelled or expired enrollment never restarts automatically.

If cancellation or incomplete enrollment ends eligibility for a free consolidated shipment, applicable shipping charges are due. Ploutos will send a separate payment request and hold shipment until resolved; additional shipping charges are not automatically debited. Accepted ACH payments enter Processing to reserve the order but remain subject to confirmed clearance before release. Scheduled totals of ,000 or more require personal contact and bank wire.

Wire Transfer & Cancellation Policy

• Pre-funded wire requests: Enter the dollar amount you intend to fund. The request has no Ploutos shipping charge or payment surcharge. After we confirm receipt, that exact amount is credited to your account. Funding alone does not purchase metals, reserve inventory, or lock a price. Sign in and select Ploutos Pre-funded Balance for a separate merchandise purchase. Unused credit remains available for future purchases. Customers with confirmed funding may owe up to $100 total; larger shortfalls require additional funding. All amounts owed must be paid before shipping or pickup. Your bank may charge its own wire fee.
• Returning customers (Pre-Lock): If you have a prior wire on file, you may request a pre-lock (price lock before the wire is sent) at our discretion. If approved, a funding deadline will apply; failure to fund by the deadline may result in cancellation and applicable liquidated damages.
• Name match: No third-party wires. The wire remitter name must match the customer/order name.

Finality: All wire payments are final and non-refundable.

If a refund is approved under exceptional circumstances before any product is priced, locked, or allocated, a 5% administrative fee applies. Once market-sensitive products (gold, silver, platinum, palladium) are priced, locked, or allocated, no cancellations or refunds are accepted. Orders canceled after payment may incur liquidated damages as described below.

Transparency in Pricing

Instant Verification, Identification & Fraud Prevention

Pricing Errors

Bullion Products Disclaimer

Liquidated Damages Policy (Market-Loss)

Liquidated Damages: The parties agree that damages from cancellation are difficult to calculate due to market volatility. Therefore, upon cancellation for Customer default, you agree to pay PloutosGS:

• Any Market Loss (if current market value is less than your locked price)
• Plus the greater of $50 or 5% of the order value
• Plus collection costs, attorneys’ fees, or related expenses

Any Market Gain (if the current market value exceeds your locked price) remains the property of PloutosGS. These liquidated damages are a reasonable pre-estimate of actual damages and not a penalty. Future orders may be held until all balances are paid.

Returns & Refunds

Order Refusal/Liquidation: We may refuse, void, cancel, or liquidate orders if any of the following occur:

• Failure to honor payment commitments or complete payment within required timeframes;
• Violation of these Terms;
• Abuse, circumvention, or manipulation of promotional offers or pricing;
• Orders placed with fraudulent payment information or stolen identity;
• Detection of suspicious activity, red flags, or money laundering indicators;
• Abusive, threatening, or harassing conduct toward our staff; or
• Outstanding unpaid balances from previous orders.

Market & Investment Risk

Gold & Silver Rounds Notice

Sales Taxes

Delivery Insurance & Your Obligations

• Report packages lost in transit within 7 days of the last tracking scan.
• Report packages marked “delivered” but unreceived within 2 business days.

Insurance Exclusions: No coverage applies if you waive signatures, instruct carriers to leave packages unattended, or fail to report in time. If a damaged package is presented, refuse delivery and contact us immediately.

Failed Delivery/Returned Packages: If a package is returned to us after failed delivery attempts and you do not arrange redelivery within a reasonable time, we may, after 30 days, liquidate the items at the lesser of (a) the original purchase price or (b) current market value, and hold the funds pending your delivery instructions, minus applicable storage, handling, or liquidation fees.

Call Recording Consent

Notice: Phone transactions and service calls may be recorded for quality, training, fraud prevention, and dispute resolution.

Your Consent: Massachusetts requires all parties to consent to recording. By remaining on the line after this notice, you provide informed consent to recording. If you do not consent, please transact via our website or in writing.

Dispute Resolution, Arbitration & Class Action Waiver

Informal Resolution: Before initiating arbitration, you agree to contact PloutosGS at 617-564-1630 to attempt informal resolution of any dispute.

Binding Arbitration: Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or your purchase (“Dispute”) shall be resolved by binding arbitration administered by JAMS (Streamlined Arbitration Rules and Procedures), or if JAMS is unavailable, the American Arbitration Association (AAA).

Arbitration Process:

• Arbitration shall be conducted in Boston, Massachusetts, or remotely by video conference if agreed by both parties;
• The arbitrator’s decision shall be final and binding;
• The arbitrator may award any relief that a court could award, including attorneys’ fees and costs to the prevailing party; and
• Either party may seek enforcement of the arbitration award in any court of competent jurisdiction.

Small Claims Exception: Either party may bring an individual action in small claims court instead of arbitration if the claim qualifies and remains in small claims court.

Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to Ploutos Gold and Silver LLC, Attn: Legal, PO Box 300, North Easton, MA 02356 within 30 days of your first purchase. The opt-out notice must include your name, address, order number, and a statement that you wish to opt out of the arbitration agreement.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND PLOUTOSGS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. NO ARBITRATOR OR JUDGE MAY CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

JURY TRIAL WAIVER: TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND PLOUTOSGS WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR PURCHASE.

Equitable Relief Exception: Notwithstanding the foregoing, PloutosGS may seek injunctive or equitable relief in any court of competent jurisdiction to prevent unauthorized use of intellectual property, breach of confidentiality, or fraudulent activity.

Liability Limitation

LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLOUTOSGS AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR THE GOODS/SERVICES PROVIDED.

CAP ON DAMAGES: TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE PRODUCT OR SERVICE IN QUESTION.

Force Majeure

PloutosGS shall not be liable for any delay or failure to perform obligations under these Terms due to causes beyond its reasonable control, including but not limited to:

• Acts of God, natural disasters, pandemics, or epidemics;
• War, terrorism, civil unrest, or government actions;
• Labor disputes, strikes, or supply chain disruptions;
• Failure of third-party suppliers, refineries, or mints;
• Cyber attacks, system failures, or interruptions in telecommunications or internet services;
• Banking system failures, payment processor outages, or wire transfer delays;
• Interruption of transportation services or carrier failures; and
• Market closures or extreme market volatility that prevents normal business operations.

If a force-majeure event lasts more than 30 days, either party may cancel the affected order without liability, and PloutosGS shall refund any payments received for undelivered products.

Governing Law & Venue

These Terms are governed by the laws of the Commonwealth of Massachusetts. Disputes not subject to arbitration shall be heard exclusively in the state or federal courts in Suffolk County, Massachusetts. You consent to those courts’ jurisdiction. A prevailing party may recover attorneys’ fees and costs.

Miscellaneous Provisions

Entire Agreement: These Terms constitute the entire agreement between you and PloutosGS regarding your purchase.

Severability: Invalid provisions are modified to the minimum extent necessary to remain enforceable.

No Waiver: Our failure to enforce any term does not waive it.

Assignment: You may not assign rights without our consent. We may assign these Terms freely.

Relationship: Nothing herein creates a partnership, joint venture, or employment relationship.

Survival: Sections that by nature should survive termination shall survive, including but not limited to Liquidated Damages, Arbitration, Liability, and Governing Law.

Modifications: PloutosGS may modify these Terms at any time. Changes take effect upon posting. Continuing to use our services constitutes acceptance.

Electronic Communications: You consent to receive communications electronically, satisfying any legal writing requirements.