Policies

Pinehurst Coin Exchange, Inc., a North Carolina corporation, (“Pinehurst Coins,” “we,” “us,” and/or “our”) provides its services to you primarily through our website found at www.PinehurstCoins.com (“Website”) subject to the following Terms and Conditions of Use (as amended from time to time, these “Terms”). By using the Website and any other services provided by Pinehurst Coins including all purchases from or sales to Pinehurst Coins you have agreed with these Terms, including, and without limitation to, all terms and policies we have provided. If there is any inconsistency between these Terms and any other policy provided, these Terms shall prevail. All terms apply directly to all purchases, sales, and all other services provided, whether made through www.PinehurstCoins.com, email, phone, or otherwise. Prior to placing an order, you must read and accept all terms provided on our Website. The placing of an order by any capacity to buy or sell to or from Pinehurst Coins will be considered acceptance to all terms and conditions. We recommend that you read, in full, all of our policies prior to placing an order. All posted policies and agreements are subject to change and/or amendment at any time at our discretion. Changes or amendments become binding upon being posted on our website. We reserve the right, at our sole discretion, to change or modify portions of these Terms at any time without further notice. You should periodically visit this page to review the current Terms so you are aware of any revision to which you are bound and print a copy of these Terms for your records. If we do this, we will post the changes to these Terms on this page and will indicate at the top of this page the date these terms were last revised. We may also notify you in an email notification or through other reasonable means. Any such changes will become effective for existing users no earlier than ten (10) days after they are posted, except that changes addressing new functions of the Services or changes made for legal reasons will be effective immediately. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms. If you do not agree to abide by these or any future Terms, do not use or access (or continue to use or access) the Service. PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST COMPANY ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS. PLEASE INDICATE YOUR ACCEPTANCE TO THESE TERMS IN ACCORDANCE WITH THE INSTRUCTIONS PROVIDED BY PINEHURST COINS. INDICATING ACCEPTANCE ESTABLISHES A BINDING AND EXECUTED WRITTEN AGREEMENT BETWEEN YOU AND PINEHURST COINS. IF YOU DO NOT ACCEPT THESE TERMS, YOU CANNOT USE THE SERVICE. The Terms include, and incorporate by reference, Pinehurst Coins’ Privacy Policy at pinehurstcoins.com/privacy-policy. Your Registration Obligations: You may also be permitted to register an account with us directly. In any case, if you choose to, you agree to provide and maintain true, accurate, current and complete information about yourself. Registration data and certain other information about you are governed by our Privacy Policy. Account registration is available only to individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, account registration is not available to minors (people under the age of majority in their state or province of residence), or to suspended members. If you do not meet our requirements, please do not use register an account or purchase from us. Additionally, Pinehurst Coins reserves the right to refuse access to, or use of the Service to anyone, and may terminate any account, at any time, in its sole discretion. You are only authorized to create and use one account and are prohibited from using alter egos or other disguised identities when using the Service. Member Account, Password and Security: You are responsible for maintaining the confidentiality of your password and account, if any, and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notify Pinehurst Coins of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session when accessing the Service. Pinehurst Coins will not be liable for any loss or damage arising from your failure to comply with this Section. Electronic Communications: When you use the Service or send e-mails to us, you are communicating with us electronically. We will communicate with you by e-mail or providing notices via the Service. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Any such emails may include marketing and promotional content. Dispute Resolution by Binding Arbitration: PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. Agreement to Arbitrate: This Dispute Resolution by Binding Arbitration section is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Pinehurst Coins, whether arising out of or relating to these Terms of Service (including any alleged breach thereof), the Services, any advertising, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, provincial or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and Pinehurst Coins are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. If you reside in the U.S., the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. Prohibition of Class and Representative Actions and Non-Individualized Relief: YOU AND PINEHURST COINS AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND PINEHURST COINS AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). Pre-Arbitration Dispute Resolution: Pinehurst Coins is always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing customer support at [email protected]. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Pinehurst Coins should be sent to Pinehurst Coins, P.O. Box 3686, Pinehurst, NC 28374 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Pinehurst Coins and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or Pinehurst Coins may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Pinehurst Coins or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Pinehurst Coins is entitled. Arbitration Procedures: Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, http://www.adr.org/consumer_arbitration. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms of Service as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms of Service and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. Unless Pinehurst Coins and you agree otherwise, or if otherwise prohibited by AAA Rules, any arbitration hearings will take place telephonically, in a location in Moore County, or as otherwise determined by Pinehurst Coins. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Limitation of Liability: PINEHURST COINS, THE WEBSITE, SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU BY PINEHURST COINS AND THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS UNLESS OTHERWISE SPECIFIED IN WRITING. PCI MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR PURCHASE OR PRODUCTS AND/OR USE OF THE SERVICES IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY LAW, PINEHURST COINS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PC DOES NOT WARRANT THAT THE SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU FROM PINEHURST COINS OR THE WEBSITE, PINEHURST COINS’ SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM PINEHURST COINS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULL EXTENT PERMISSIBLE BY LAW, PINEHURST COINS WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY SERVICE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU BY PINEHURST COINS OR THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

We understand circumstances may arise that require you to cancel an order. All cancelations must be pre-approved by a customer service representative over the phone. If approved, your order will be assigned a cancellation number. Please call us at (910) 235 – 2646, Monday – Friday, 10am-5pm to speak with a customer service representative. All canceled orders are subject to market risk due to “locked-in” pricing, as described in our Price Confirmation Section.  All cancellations are subject to a $35.00 (USD) cancellation fee plus any market loss incurred pursuant to our Market Fluctuation Policy.  Market gains, if any, on cancellations will remain the property of Pinehurst Coins.  All cancellation fees and losses pursuant to our Market Fluctuation Policy must be paid by credit card at this time. No future orders will be permitted until these fees are paid.

Like most websites, we use cookies on the Website. This Cookies Policy tells you about our use of cookies and the choices you have. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. This Cookie Policy does not address the collection, use and disclosure or your personal data by us generally. To learn more about how Pinehurst Coins handles your personal information, please see Privacy Policy. Data Collection Technology collects all sorts of information, such as how long you spend on various webpages in the Website, which webpages you view, your search queries, error and performance reports, as well as device identifier or IP address, browser type, time zone and language settings and operating system. How Pinehurst Coins Uses Data Collection Technology: Some Data Collection Technology is deployed by Pinehurst Firm when you visit the Website. Other Data Collection Technology is deployed by third parties with which Pinehurst Coins partners to deliver the Website. Data Collection Technology helps us improve your experience of the Website by measuring the success of marketing campaigns, compiling statistics about use of the Website and helping us analyze technical and navigational information about the Website. We also may use Data Collection Technology to collect information from the device that you use to access the Website, such as your operating system type, browser type, domain and other system settings, as well as the language your system uses and the country and time zone in which your computer or device is located. Web Beacons: A web beacon (also called a pixel tag or clear GIF) is computer code that communicates information from your device to a server. Some of Pinehurst Coins’ content and emails may contain embedded web beacons that allow a server to read certain types of information from your device, allow us to count the number of people who have viewed content, to know when you opened an email message and the IP address of your device. Web beacons help Pinehurst Coins develop statistical information to provide better and more personalized content. Cookies: Cookies are small text files that are sent to or accessed from your web browser or your computer’s hard drive. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the “lifetime” of the cookie (i.e., when it expires) and a randomly generated unique number or similar identifier. A cookie also may contain information about your computer, such as user settings, browsing history and activities conducted while using the Website. The Website uses the following cookies:

• Strictly necessary cookies help make a website, including our Website, usable by enabling basic functions like page navigation and access to secure areas of the Website.
• You can block or delete them by changing your browser settings, however, blocking or deleting “strictly necessary” cookies may prevent your access to the Website. You can block or delete them by changing your browser settings, however, blocking or deleting “strictly necessary” cookies may prevent your access to the Website.
• Analytical/performance cookies, which allow Pinehurst Coins to recognize and count the number of visitors, learn how visitors navigate the Website and improve the Website. For example, Pinehurst Coins uses Google Analytics (“Analytics”) which is Google’s free web analytics tool that helps us understand how our visitors engage with our website. Analytics collects information anonymously and, much like examining footprints in sand, it reports website trends without identifying individual visitors. Analytics uses its own set of cookies to track visitor interactions. These cookies are used to store information, such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. Google Analytics customers can view a variety of reports about how visitors interact with their website so they can improve their website and how people find it. A different set of cookies is used for each website, and visitors are not tracked across multiple sites. Analytics customers are obliged to notify users of their use of analytics software. To disable this type of cookie, some browsers will indicate when a cookie is being sent and allow you to decline cookies on a case-by-case basis. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser, which prevents Google Analytics from collecting information about your website visits. You can also opt-out by clicking here.
• Functionality cookies, which Pinehurst Coins uses to recognize you when you return to the Website.

You can block or disable cookies on your device at any time by indicating this in the preferences or options menus in your browser. You can also delete the cookies that are stored on your device. However, blocking, disabling, or deleting cookies may limit your ability to view all the pages of the Website or use online services that require registration. You can find more information about cookies at All About Cookies and Your Online Choices. To learn more about cookies and web beacons in general, visit www.allaboutcookies.org. Your Control of Cookies: Some web browsers (including some mobile web browsers) provide settings that allow you to control or reject cookies or to alert you when a cookie is placed on your device. Although you are not required to accept cookies, if you block or reject them, you may not have access to all features available through the Website. Do Not Track: Some web browsers (including, for example, Safari, Internet Explorer, Firefox and Chrome) incorporate a “Do Not Track” (“DNT”) or similar feature that signals to websites that a user does not want to have his or her online activity and behavior tracked. If a website that responds to a particular DNT signal receives the DNT signal, the browser can block that website from collecting certain information about the browser’s user. Not all browsers offer a DNT option and DNT signals are not yet uniform. For this reason, many website operators, including Pinehurst Coins, do not respond to DNT signals. Functionality These cookies allow the site to remember choices you make, such as remembering your application preferences (i.e. keep me logged in). This enables us to personalize your experience and improve your visit. These cookies may or may not be anonymized, but they cannot track your browsing activity on other websites. To refuse these cookies, please follow the instructions below under the heading “How do I change my cookie settings?” However, blocking or deleting “functionality” cookies may make browsing the Website a less satisfying experience. How do I change my cookie settings? Most web browsers allow some control of most cookies through the browser settings. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of the Website. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org. Find out how to manage cookies on popular browsers:

• Google Chrome
• Microsoft Edge
• Mozilla Firefox
• Microsoft Internet Explorer
• Opera
• Apple Safari

To find information relating to other browsers, visit the browser developer’s website. To opt-out of being tracked by Google Analytics across all websites, visit http://tools.google.com/dlpage/gaoptout.

Pinehurst Coins recommends that you thoroughly read all user agreements and policies provided on our website. By purchasing from or selling to Pinehurst Coins you assert that you have sufficient knowledge and experience on which to base your decisions. You acknowledge that you are making your own decisions and in no way are those decisions being influenced by a recommendation made to you by Pinehurst Coins. You also acknowledge that you are susceptible to many different risks that are beyond the control of Pinehurst Coins and that Pinehurst Coins is in no way liable for any detriment incurred from those risks.

Pinehurst Coins offers only NGC and PCGS certified coins due to the subjective nature of coin grading. Both NGC and PCGS are third-party grading services that personally guarantee their grades. They are the two most respected grading services in the numismatic industry. This allows our customers to buy from us with confidence, knowing they are purchasing a top-quality guaranteed product. The coin market is volatile and always fluctuating. This can result in a loss or gain of value on any given coin you purchase. Pinehurst Coins wants to remind buyers that past performance can in no way be used to predict the future value. Buyers should consider these coins strictly as collector’s coins and any investment advice must be obtained strictly from the buyer’s own financial experts.

Upon placing your order the transaction becomes a binding agreement, whether buying or selling. Your price becomes locked-in as soon as you click “place order” during the checkout process. You’ll be emailed a confirmation number as soon as your order is placed. If you cancel your order once placed, any amount refunded will be offset by our current buy price. For additional clarity, you will be responsible for any loss in value incurred during the cancellation process, as well as, a $35.00 (USD) cancellation fee. All market gains on returns or cancellations will remain the property of Pinehurst Coins.

Our Hedge Management system pulls pricing via an API call from Tornado Bullion (see Tornado Bullion) and streams such pricing as a banner at the top of our Website. All prices quoted on our Website are in U.S. Dollars. We strive hard to assure the accuracy and information of the products and pricing that we provide on the Website. However, discrepancies in terms of inventory or pricing may occur at times due to any number of factors including, but not limited to availability, changing market conditions, as well as human errors (e.g. typos). In all instances, Pinehurst Coins has the right at its sole discretion to cancel or refuse any orders placed on any item. We will notify you via email of such cancellation and do apologize if situations like this arise. In addition to the other rights and remedies available to Pinehurst Coins, in the event of any failure by you to comply with these Terms, we reserve the right to charge the credit card which you have provided to us including, without limitation, any and all market losses incurred by us 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 Pinehurst Coins to charge your credit card for all of such amounts. See our Market Fluctuation Policy. In all situations, final pricing for your order will be determined at the time of checkout where you will have 10 minutes to complete the checkout process or the prices will then readjust after that 10-minute interval has elapsed. Upon placing your order the transaction becomes a binding agreement, whether buying or selling. Your price becomes “locked-in” as soon as you click “place order” on the order review page. You’ll be emailed a confirmation number as soon as your order is placed. See our Payment Methods page. All check and wire transactions must be secured by authorizing 10% of your order total on a credit card. In the event, you decide to cancel the order, or your check/wire payment is returned, the authorized 10% of the order total will be charged to your card and will not be refunded. The full amount of the order is to be remitted to Pinehurst Coins via check or wire. Failure to meet these deadlines will void any “locked-in” pricing.

We guarantee to match any of our approved competitors’ advertised prices! To qualify for our Price Match Guarantee, the item you would like to match must be identical to ours. Certified coins must have the same coin, grade, and label. Bullion must be the same metal type, manufacturer, size (weight, denomination,) quality, and quantity (number of units for a certain price level or tier.) The price must be advertised on our competitor’s website and one of our representatives must be able to verify that price. Item prices listed on auction sites, such as eBay, Amazon and other third-party seller platforms, do not qualify for our Price Match Guarantee. We will only match the total price of an item, including the advertised price and all fees and/or shipping costs. Our Price Match Guarantee only references current advertised prices and does not apply to orders that have already been placed. Matched prices must be approved by a customer service representative before they can be applied to your order. Our Price Match Guarantee may be declined at our discretion. These terms are subject to change without notice. To see if an item qualifies for Price Match Guarantee, email us at [email protected], include links in the email to the product you want to price match, both on our website and the competitor’s website. We use commercially reasonable efforts to respond, however if you are concerned you can call us at 910-235-COIN (2646) and one of our customer service representatives will be happy to assist you.

If you are not completely satisfied with your non-bullion purchase, please call us at (910) 235-2646 to discuss your concerns with a customer service representative. All non-bullion items can be returned and/or exchanged if you call us within three (3) days of delivery of your order. Returns or exchanges must remain in their original packaging. Items removed from the original packaging cannot be returned. Shipping and handling charges will not be refunded. In all situations, final pricing for your order will be determined at the time of checkout where you will have 10 minutes to complete the checkout process or the prices will then readjust after that 10-minute interval has elapsed. All returns and exchanges are subject to a 5% restocking fee.