Terms and Conditions

1. Introduction
Welcome to Polyak Precious Metals (“Company”, “we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your use of our website, [Your Website URL] (the “Site”), and the purchase of any products, including precious metals, coins, bullion, or related items (“Products”). By accessing or using our Site, or by placing an order, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site.

2. Definitions

• Company/We/Us: Refers to Polyak Precious Metals.
• Customer/You/Your: Refers to any person or entity that accesses our Site or makes a purchase.
• Products: Refers to any precious metals, coins, bullion, or related items sold through our Site.

3. Acceptance of Terms
By using our Site or purchasing Products, you affirm that you have read, understood, and agree to be bound by these Terms. We reserve the right to change or update these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of those changes.

4. Eligibility
You must be at least [insert age, e.g., 18] years old and legally capable of entering into a binding contract to use our Site and purchase Products. By placing an order, you represent and warrant that you meet these eligibility requirements.

5. Product Information
We make every effort to provide accurate and detailed information about our Products, including descriptions, pricing, purity, and specifications. However, we do not guarantee that all information on the Site is error-free, complete, or current. Due to the nature of precious metals, slight variations in weight, purity, and appearance may occur.

6. Pricing and Payment

• Pricing: All prices are listed in [Currency] and are subject to change without notice. Prices do not include applicable taxes, shipping, or handling fees unless expressly stated.
• Payment: We accept payments via [list accepted payment methods]. By submitting your payment information, you warrant that you are authorized to use the selected payment method.

7. Order Acceptance and Cancellation
When you place an order, you are making an offer to purchase Products subject to these Terms. We reserve the right to accept or reject your order for any reason, including errors in pricing or availability. If we cancel your order, any payment received will be promptly refunded.

8. Shipping and Delivery

• Shipping: We will ship Products to the address provided by you during the ordering process. Shipping costs and estimated delivery times will be calculated and displayed at checkout.
• Risk of Loss: Title and risk of loss for the Products pass to you upon delivery to the carrier. We are not responsible for any delays or damage once the Product has been shipped.

9. Returns, Refunds, and Exchanges
Due to the unique nature of precious metals, all sales are final. We do not accept returns or offer refunds unless the Product is damaged or defective upon receipt. If you receive a damaged or defective Product, please contact us within [number] days of delivery. We may request photographs or additional documentation before processing any return, refund, or exchange.

10. Investment and Risk Disclosure
Purchasing precious metals carries inherent risks, including market fluctuations and potential changes in value. The information provided on this Site is for informational purposes only and does not constitute financial or investment advice. We recommend consulting with a qualified financial advisor before making any investment decisions. You acknowledge that any decision to purchase Products is made solely at your own risk.

11. Intellectual Property
All content on the Site—including text, images, graphics, logos, and software—is the property of Polyak Precious Metals or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without our prior written consent.

12. Limitation of Liability
To the maximum extent permitted by law, Polyak Precious Metals shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of the Site or the purchase of Products. This limitation applies even if we have been advised of the possibility of such damages.

13. Indemnification
You agree to indemnify, defend, and hold harmless Polyak Precious Metals and its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use of the Site, your violation of these Terms, or any infringement by you of any third-party rights.

14. Governing Law and Dispute Resolution
These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of [Your Jurisdiction]. Any disputes shall be resolved through [mediation/arbitration] in [Your Location], unless you elect to bring a legal action in a court of competent jurisdiction.

15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Polyak Precious Metals concerning your use of the Site and purchase of Products, superseding any prior agreements or communications.

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