Customer terms
Terms & Conditions
Review the terms that apply when using the website, placing orders, and working with Ploutos Gold & Silver.
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Standard Pricing (Credit/Debit Card): Card payments use standard pricing and include a 4% Non-ACH Adjustment reflected in the checkout total (not a separate fee). This adjustment reflects actual card-processing costs.
By completing your purchase, you agree to the pricing associated with your selected payment method.
By placing an order with Ploutos Gold and Silver LLC (“PloutosGS,” “we,” “us,” or “our”), you (“Customer,” “you,” or “your”) agree to be bound by these terms.
Non-Cancelable Orders
Once a Sales Order Confirmation Number is issued, a binding contract is formed. Orders may not be canceled. Failure to perform (including non-payment, refusal of delivery, or failure to provide required documentation) may result in monetary damages recoverable by PloutosGS, including collection fees and reasonable attorneys’ fees. Orders typically ship within 7–14 business days after payment clears and all balances are satisfied. Shipments require a direct signature on delivery. If you waive signature/security procedures or fail to claim a package in a timely manner, insurance coverage may be denied.Pricing & Payment (ACH vs. Card)
Discounted Pricing (ACH/Check/Wire/Cash): “As Low As” prices reflect our discounted rate for ACH, check, wire transfer, or cash payments.Standard Pricing (Credit/Debit Card): Card payments use standard pricing and include a 4% Non-ACH Adjustment reflected in the checkout total (not a separate fee). This adjustment reflects actual card-processing costs.
By completing your purchase, you agree to the pricing associated with your selected payment method.
Wire Transfer & Cancellation Policy
Wire transfers are accepted only for funds you fully intend to spend. You will receive an invoice with wiring instructions prior to payment.- New customers (Pre-Funded Wire): Wire funds must clear—confirmed by us in person or by phone—before any metal is priced, locked, or allocated.
- 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
We publish live spot prices 24/7 and price products at a minimal premium above base cost. Credit-card prices are all-inclusive. Creating an account enables 24/7 ACH purchasing via Stripe’s secure instant bank verification.Instant Verification, Identification & Fraud Prevention
To protect customers and our business, PloutosGS uses instant verification through Stripe. We may request a clear photo of a government-issued ID matching the name and shipping address before release for shipping or pickup. If requested, you must provide such identification promptly; if you cannot or will not provide it, please refrain from ordering. Orders with unverifiable information, mismatched details, suspicious activity, or indicators of fraud or money-laundering concerns may be held, canceled, or reported to the appropriate authorities at our sole discretion. We reserve the right to refuse service to anyone.Pricing Errors
Although we use live market data, typographical, technical, or electronic errors may occur. We reserve the right to cancel, correct, or refund any order affected by such errors, whether or not the order has been confirmed or payment received.Bullion Products Disclaimer
Bullion items (bars, ingots, coins) are valued primarily by metal content and influenced by market prices. Minor imperfections (e.g., scratches, dings, toning, milk spots, or contact marks) may occur from minting, packaging, handling, or transit and do not constitute defects or grounds for return. Customers seeking higher aesthetic or collectible quality should consider numismatic products instead.Liquidated Damages Policy (Market-Loss)
Upon order confirmation, your price is locked and market risk transfers to you. If you default (including non-payment, refusal of shipment, or failure to provide documentation), PloutosGS may cancel your order.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
All bullion sales are final due to market volatility. PloutosGS guarantees product authenticity and weight. If you are not satisfied with product quality, notify us at 617-564-1630 within 3 days of receipt. Replacement or refund (at PloutosGS’s discretion) may be offered only for verified manufacturing defects or shipping errors. Original shipping and handling fees are non-refundable. Approved returns may incur return shipping, market-value adjustments, and a 5% restocking fee. Items must be returned in original packaging and condition. If no acceptable replacement is available, a refund may be issued.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
PloutosGS does not provide investment advice or guarantees of future profits. Precious-metals markets are volatile and influenced by factors beyond our control. Your purchase decisions are your responsibility. The website and materials are provided “as is,” without warranties of any kind, express or implied. We disclaim all warranties regarding accuracy, legality, reliability, or availability of content.Gold & Silver Rounds Notice
“Rounds” are not legal tender and are privately minted. They are valued primarily for metal content. We do not sell imitation numismatic items, replicas, or copies of government-minted coins. Items sold without a year listed may be random-year products.Sales Taxes
We collect sales tax where required by law, including in Massachusetts. Certain precious metal transactions may qualify for tax exemptions under state law, which we apply where applicable. Customers remain responsible for any use or local taxes not collected at checkout.Delivery Insurance & Your Obligations
You must be present to sign for deliveries requiring signature confirmation. In case of loss or theft, you must cooperate with investigations, including signing an affidavit if required. Shipments are insured via a third-party provider; coverage decisions are at PloutosGS’s discretion.- 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
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.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.
Ploutos Gold & Silver is a family-owned bullion dealer based in Brockton, Massachusetts. We help customers buy gold and silver coins, bars, and rounds with live pricing, insured shipping, and local pickup by appointment.
Serving Massachusetts, Rhode Island, Greater Boston, the South Shore, Providence, Warwick, Cranston, and nationwide buyers.
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