USER AGREEMENT

Last modified as of 12/05/2024

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY, AS THEY AFFECT YOUR LEGAL RIGHTS. THIS AGREEMENT INCLUDES AN ARBITRATION CLAUSE IN SECTION 28 REQUIRING MANDATORY BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. EXCEPT FOR CERTAIN TYPES OF DISPUTES IDENTIFIED IN SECTION 28, YOU AGREE THAT DISPUTES WITH WEALTHSAFE HOLDINGS, LLC WILL BE RESOLVED AS PROVIDED IN THAT SECTION, AND YOU WAIVE YOUR RIGHTS TO A JURY TRIAL, COURT PROCEEDINGS, OR PARTICIPATION IN CLASS ACTIONS.

User’s Acknowledgment and Acceptance of Terms

The WealthSafeHoldings.com website and its related services and content (collectively referred to as the “Website”) are owned and operated by WealthSafe Holdings, LLC (“WealthSafe Holdings,” “we,” “our,” or “us”). By accessing, placing an order for products, or selling products through the Website, you agree to be bound by these Terms and Conditions (“Agreement”). This Agreement is entered into by and between WealthSafe Holdings and you, either individually or on behalf of the entity for which you are using the Website (“you” or “your”). This Agreement governs your use of the Website and the services offered, including purchasing from WealthSafe Holdings, selling to WealthSafe Holdings, or placing orders through WealthSafe Holdings. If you do not agree to these terms, you are prohibited from using the Website and must discontinue use immediately.

THIS AGREEMENT APPLIES TO ALL ORDERS, PURCHASES, AND SALES MADE VIA THE WEBSITE, TELEPHONE, OR OTHERWISE. BY USING THE WEBSITE, YOU REPRESENT THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS. IF YOU DO NOT UNDERSTAND OR ACCEPT THESE TERMS, YOU MUST LEAVE THE WEBSITE IMMEDIATELY. WEALTHSAFE HOLDINGS RECOMMENDS PRINTING A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

WealthSafe Holdings reserves the right to modify this Agreement at any time without prior notice. Changes become effective when posted on the Website. Continued use of the Website after changes are posted constitutes your acceptance of the modified Agreement.

By engaging in transactions with WealthSafe Holdings—whether by phone, via the Website, or otherwise—you agree to comply with all applicable terms, conditions, policies, and rules outlined in this Agreement.

For legal questions regarding this Agreement, contact:

WealthSafe Holdings, LLC
Attn: Legal Department
90 Fort Wade Road, Suite 100
Ponte Vedra, FL 32081
888-611-0725
info@wealthsafe.com

1. About the Website

WealthSafe Holdings provides a platform for users to buy and sell physical bullion, including gold and silver, online or via phone. We are committed to offering high-quality products by partnering with reputable mints and distributors.

The information provided on the Website may not always be current or complete. Your reliance on any content provided by WealthSafe Holdings, its employees, contractors, or others is at your sole risk. WealthSafe Holdings is not obligated to offer technical support or maintenance for the Website.

2. Ownership of Website and License

You acknowledge that WealthSafe Holdings owns or holds rights to all content and intellectual property associated with the Website. The Website is protected under applicable laws. You are prohibited from using the Website for purposes not expressly permitted by this Agreement, including but not limited to framing, scraping, reverse engineering, or reproducing its content without prior written consent from WealthSafe Holdings.

WealthSafe Holdings grants you a limited, non-exclusive, revocable license to use the Website for its intended purposes. Any violation of this Agreement will result in termination of this license. All rights not explicitly granted are reserved by WealthSafe Holdings.

3. Trademarks

All trademarks, service marks, and trade dress displayed on the Website are the property of their respective owners. WealthSafe Holdings’ trademarks, including its name and logos, are proprietary and may not be used without prior written consent.

4. Account Registration

Using the Website does not require account registration; purchases and sales can be made as a guest. However, creating an account enables additional functionality. When creating an account, you consent to receive notifications via email or text, which can be opted out of later.

By creating an account, you may be required to provide personally identifiable information, including but not limited to your name, email, phone number, and payment details. The collection and use of such information are governed by our Privacy Policy, which is incorporated by reference into this Agreement.

You are responsible for maintaining accurate and up-to-date information in your account. Accounts impersonating others, using offensive language, or violating third-party rights are prohibited. WealthSafe Holdings reserves the right to suspend or terminate accounts at its sole discretion.

You are responsible for securing your account credentials and must notify WealthSafe Holdings immediately of any unauthorized access. WealthSafe Holdings is not liable for damages resulting from unauthorized use of your account.

5. Order Policies and Procedures

By creating an account or making transactions with WealthSafe Holdings, you agree to allow us to contact you via email, phone, or text regarding your orders.

Placing an order creates a binding agreement between you and WealthSafe Holdings. Prices and availability may change without notice, but the price at the time of order submission will be honored. Payments must be received within specified timeframes to confirm your order. For wire payments, funds must be received within two business days; for check payments, checks must be postmarked within one business day and cleared within ten calendar days.

Orders are considered completed once payments are received and cleared. If an order error occurs, WealthSafe Holdings reserves the right to cancel the order.

6. Sell-To-Us Program

When selling items to WealthSafe Holdings, LLC (“WealthSafe”) through the Sell-To-Us Program, the total Sell-To-Us price must meet a minimum threshold of $1,000, unless otherwise agreed at WealthSafe’s discretion. Typically, Sell-To-Us prices are locked in upfront based on the customer’s accurate representation of the product and prevailing spot prices. However, WealthSafe reserves the right to require receipt of products before confirming the final Sell-To-Us price.

Once the products are received, WealthSafe will inspect them for authenticity, quantity, and condition. If discrepancies arise between the customer’s description and the actual product, WealthSafe may either issue a revised offer or reject the transaction at its sole discretion. If the transaction is rejected, the customer will be responsible for all return shipping costs, which will be charged to the credit card on file. Sell-To-Us orders cannot be canceled but may be offset at WealthSafe’s current purchase price.

Products sold to WealthSafe must be shipped within two (2) business days. Customers must also contact WealthSafe at support@wealthsafeholdings.com or via phone to provide a tracking number confirming the shipment is en route. If a prepaid shipping label is used, customers are responsible for following all provided shipping instructions to maintain valid insurance coverage.

All items must be received by WealthSafe within ten (10) business days, or customers may be charged for market losses. If delays occur due to the carrier, WealthSafe may extend the deadline at its sole discretion. Customers assume full responsibility for their products during shipping until WealthSafe confirms receipt. WealthSafe is not liable for loss or damage to items in transit, whether sent to or from WealthSafe. Damaged packages arriving at WealthSafe will be rejected.

WealthSafe reserves the right to suspend or terminate any account for non-compliance with this Agreement, without affecting any obligations outlined herein. Additional terms related to prices, payment methods, refunds, cancellations, and exchanges may be posted on the website as necessary.

7. Fraud Prevention

WealthSafe takes fraud prevention seriously and reserves the right to report and prosecute actual or suspected fraudulent activities. Verification of certain orders may include further authorization, such as phone confirmation or submission of additional information. WealthSafe reserves the right to cancel, delay, or refuse to ship any order if fraud is suspected.

Information gathered during the ordering process may be used to identify individuals involved in fraudulent activities. WealthSafe may report suspicious transactions to law enforcement agencies, banks, and credit card issuers without a subpoena. WealthSafe fully cooperates with authorities in prosecuting offenders.

8. Payment Options

WealthSafe accepts payments via credit card, debit card, bank wire, personal check, certified check, cashier’s check, ACH/eCheck, Bitcoin, and money orders. Payments via international sources, credit card convenience checks, or third-party checks are not accepted. Depending on the order amount, WealthSafe may request additional documentation and reserves the right to hold cleared checks or money orders for up to ten (10) banking days before shipment.

Credit and debit card transactions are processed through third-party payment processors, such as CyberSource or PayPal. A temporary $0.01 authorization charge may appear in pending transactions but will be voided promptly. WealthSafe is not liable for overdrafts caused by this charge. Customers are responsible for paying any applicable taxes or fees related to their transactions. WealthSafe reserves the right to refuse or cancel orders at its discretion.

If insufficient funds are available for a paper check payment, WealthSafe may cancel the order, charge administrative or market loss fees, and bill any outstanding amounts to the card on file.

9. Payment Instructions

WealthSafe will provide payment instructions during the checkout process and via email after order completion. Payments must be initiated within two (2) business days for bank wire orders and one (1) business day for check orders. Cash-on-delivery orders are not accepted.

10. Cancellation Policy

Once an order is placed with WealthSafe, it constitutes a binding legal agreement and generally cannot be canceled. However, prior to shipment, confirmed orders may be offset (i.e., sold back to WealthSafe) at the current asking price. Offset requests must be made during business hours and are subject to WealthSafe’s market loss policy.

In cases of cancellation or offset, WealthSafe will calculate fees based on the difference between the original purchase price and the current asking price. Customers authorize WealthSafe to charge these fees to the card on file or issue an invoice for payment within ten (10) business days. Future orders may be restricted until all fees are paid.

If an order has already been shipped, it cannot be canceled. Refused shipments will be returned, and customers may be charged for reshipping or market loss fees. WealthSafe reserves the right to cancel any order for reasons including, but not limited to, pricing errors, market volatility, or delayed payments.

In rare cases where an order is packaged but not yet shipped, WealthSafe may attempt to intercept the shipment. If successful, a $25.00 fee will be applied to the customer’s card on file.

11. Return Policy

WealthSafe Holdings, LLC has a return, refund, and exchange policy that applies for five (5) business days from the date you receive your item. To initiate a return, you must contact WealthSafe Holdings’ Customer Service Department via telephone at 888-611-0725 within this timeframe and adhere to the instructions provided. Shipping fees are non-refundable, and you are responsible for any applicable taxes and all return shipping costs, including insurance for your shipment. WealthSafe Holdings reserves the right to reject returned or exchanged items that do not meet these terms. Returned items will not be held longer than three (3) days.

For exchange requests, WealthSafe Holdings may, at its sole discretion, either provide an acceptable replacement or issue a refund if a replacement is unavailable. Returns, refunds, and exchanges are subject to the company’s Market Loss Policy, and all market gains from such transactions remain the sole property of WealthSafe Holdings.

12. Market Loss Policy

Once an order number is issued following a purchase from WealthSafe Holdings, the price is locked, and cancellations are not permitted. Transactions may only be offset at the company’s current asking price. If a cancellation occurs, you are responsible for any market losses, calculated as the difference between the original purchase price and the offsetting price. WealthSafe Holdings reserves the right to charge any market loss fees to a credit card on file or apply any funds in its possession to cover these costs. Market gains from cancellations or returns remain the exclusive property of WealthSafe Holdings.

13. Shipment Policy

After your order is shipped, you will receive an email with a tracking number. Please note that tracking may take 24-48 hours to update. WealthSafe Holdings fully insures all shipments, and packages valued over $1,000 require a signature upon delivery. Once a package is marked as delivered, the company’s responsibility for it ends.

Customers must ensure someone is present at the delivery address to receive the package. WealthSafe Holdings is not liable for packages left unattended, signed for by unauthorized parties, or mishandled by forwarding locations like mailrooms, PO boxes, or other third-party services. If a package is returned to sender due to failed delivery, the customer assumes responsibility for any loss, damage, or fees incurred during the return process.

For issues such as lost packages, missing contents, or damage, customers must notify WealthSafe Holdings within specific timeframes:

• Lost in Transit: Contact within 7 days of the last tracking update for USPS or 3 days for UPS/FedEx.
• Missing/Damaged Contents: Notify within 48 hours of delivery timestamp.

Failure to report issues within these timeframes voids insurance coverage. The company handles claims with the carrier but requires your cooperation in filing the claim, which may include signing affidavits or providing documentation. WealthSafe Holdings reserves the right to reship items or issue refunds at its discretion.

14. Export Compliance

All products sold by WealthSafe Holdings comply with U.S. export laws. Products may not be exported or re-exported to restricted countries such as Cuba, Iran, North Korea, Syria, or any country under a U.S. embargo. Additionally, they may not be shipped to individuals on the U.S. Treasury Department’s Specially Designated Nationals List or the Commerce Department’s Denied Persons List.

15. User-Generated Content

WealthSafe Holdings allows users to submit content such as product reviews to its website. While you retain ownership of your content, by submitting it, you grant the company a non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and distribute the content for purposes related to the website and its services. This includes archiving and improving the platform.

You represent and warrant that your content does not violate the rights of others or any applicable laws. WealthSafe Holdings reserves the right to remove user content that violates these terms or terminate access for repeated violations.

16. Termination

Either party may terminate this agreement at any time, with or without cause, by providing written notice. Termination does not affect obligations or rights that arose prior to the termination date. Non-payment or failure to meet terms may result in service termination by WealthSafe Holdings.

17. Communications Decency Act Compliance

WealthSafe Holdings operates as an interactive computer service provider under Section 230 of the Communications Decency Act. While the company may moderate content, it is not liable for third-party content shared on its platform. Additionally, links to third-party websites or services are not controlled by WealthSafe Holdings, which disclaims liability for their content. The views expressed by users or contributors do not necessarily represent those of WealthSafe Holdings.

18. Disclaimers, Exclusions, and Limitations

CAUTION: All investments, including coins and bullion, carry inherent risks and are influenced by numerous economic factors beyond the control of WealthSafe Holdings, LLC. You, and not WealthSafe Holdings, LLC, are responsible for these risks, which include, but are not limited to, market volatility and the inability to liquidate products at an acceptable price or at all. It is advised that you consult with an investment or financial advisor before making any transactions and ensure that you have sufficient savings and income to support such investments. By engaging in any transaction, you represent and warrant to WealthSafe Holdings, LLC that you possess the necessary experience and knowledge to make informed decisions. WealthSafe Holdings, LLC does not make recommendations regarding such purchases or sales.

19. Disclaimer of Warranties

WealthSafe Holdings, LLC provides its website, products, and services on an “as is” and “as available” basis. WealthSafe Holdings, LLC makes no guarantees that:

1. The website or its use will be uninterrupted or secure.
2. The website will be free from defects, inaccuracies, or errors.
3. The website or services will meet your requirements.
4. The website will function in conjunction with your hardware or software configurations.

WealthSafe Holdings, LLC disclaims all implied warranties, including those of merchantability, fitness for a particular purpose, and non-infringement, except as explicitly stated in this agreement. WealthSafe Holdings, LLC is not liable for any third-party content, advice, or marketing shared on the website, nor for any technical issues, unauthorized account access, or service interruptions.

The website may contain forward-looking statements subject to risks and uncertainties, and actual outcomes could differ significantly due to factors outside WealthSafe Holdings, LLC’s control. Always consult with your investment advisor before making decisions.

20. Limitation of Liability

WealthSafe Holdings, LLC disclaims liability for orders, transactions, or any losses resulting from the use of its online systems, website, or related services. This includes errors, delays, or transmission failures beyond its reasonable control. WealthSafe Holdings, LLC is not responsible for any typographical or technical errors on the website.

In jurisdictions where exclusions of implied warranties or limitations of damages are not permitted, these terms may not apply to you.

21. Indemnity and Release

You agree to defend, indemnify, and hold WealthSafe Holdings, LLC and its affiliates, employees, and partners harmless from any claims, losses, or expenses arising from your use of the website, services, or products, including violations of this agreement. WealthSafe Holdings, LLC reserves the right to control the defense of such claims at your expense.

22. Relationship

The relationship between you and WealthSafe Holdings, LLC is strictly that of a buyer and seller. No agency, partnership, or other relationship is created.

23. No Waiver

WealthSafe Holdings, LLC retains all rights and remedies in the event of your non-compliance with this agreement. Any delay or partial exercise of these rights does not constitute a waiver of them.

24. No Assignment

You may not assign your rights or obligations under this agreement without prior written consent from WealthSafe Holdings, LLC.

25. Force Majeure

WealthSafe Holdings, LLC is not liable for failure to fulfill its obligations due to circumstances beyond its control, including natural disasters, war, or other unforeseeable events.

26. Warranties and Website Use Restrictions

You agree to use the website in compliance with applicable laws and refrain from any unauthorized activities, including infringement of intellectual property rights, dissemination of harmful content, or attempts to gain unauthorized access.

27. Governing Law

This agreement is governed by the laws of the United States and the State of Texas.

28. Arbitration and Waivers

Disputes arising from this agreement are subject to binding arbitration, except for those involving intellectual property. Claims must be filed within one year of arising.

29. Severability

If any provision of this agreement is found invalid, the remaining provisions will remain enforceable.

30. Entire Agreement

This agreement constitutes the complete understanding between you and WealthSafe Holdings, LLC.

31. Integration

The Privacy Policy and Copyright Policy are incorporated into this agreement and apply to your use of the website and services.

32. Statute of Limitations

Claims must be filed within one year or are permanently barred.

33. Children’s Privacy

The website is not intended for individuals under 18. WealthSafe Holdings, LLC does not knowingly collect personal information from minors.

34. Reservation of Rights

All rights not expressly granted in this agreement are reserved to WealthSafe Holdings, LLC.

35. Privacy

Use of the website is subject to the Privacy Policy, which governs how personal information is collected and used.

Copyright © 2024 WealthSafe Holdings, LLC.