Terms of Service

1. Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the Website for fraudulent, unlawful, misleading, abusive, or harmful purposes
• Submit false, inaccurate, or unauthorized information
• Interfere with the operation, security, or performance of the Website
• Attempt to gain unauthorized access to any system, account, database, or server
• Copy, scrape, harvest, or extract Website content except as permitted by our robots rules
• Upload malware, spam, or harmful code
• Impersonate another person, business, or organization
• Violate the rights of any third party
• Use the Website in a way that could damage our reputation, business, users, partners, or service providers

We may restrict, suspend, or terminate access to the Website at any time if we believe these Terms have been violated.

2. Website Content

The Website may include business information, directory listings, articles and guides, images, contact details, market prices, calculators, the Stack Tracker, ratings, third-party information, and other content.

Website content is provided for general informational purposes only.

We make reasonable efforts to keep content accurate and updated, but we do not guarantee that all information is complete, current, accurate, reliable, or error-free.

You should verify important details directly with the relevant dealer, business, or qualified professional before making decisions.

3. Not Financial, Investment, or Appraisal Advice

The directory listings, market prices, calculators, the Stack Tracker, and any guides or articles are provided for general information only.

This information is not financial, investment, tax, legal, or appraisal advice, and nothing on the Website is an offer to buy or sell precious metals, coins, or collectibles.

The actual value of any coin, bar, or collectible depends on factors we do not measure — including premiums, condition, rarity, grade, authenticity, demand, and dealer terms. Always confirm prices and values with a qualified dealer or appraiser, and consult qualified professionals, before relying on any information from the Website. You are solely responsible for your own buying, selling, and collecting choices.

4. Market Prices, Calculators, and the Stack Tracker

The Website provides metal spot prices, calculators, and a portfolio tracker (the Stack Tracker) for general reference.

Metal prices are sourced from third parties, may be delayed or inaccurate, and are for reference only. Calculator results and tracker totals are estimates based on the prices and the values you enter.

No price, calculator result, or tracker total is a guaranteed value, offer, quote, or commitment. You are responsible for the accuracy of the holdings you enter, and you should keep your own records of anything important.

5. Business Directories and Listings

Listings may include information about third-party coin shops, dealers, advertisers, sponsors, or partners.

We may create, display, organize, edit, update, remove, promote, or decline listings at our discretion. Inclusion in the directory is not an endorsement, certification, or guarantee of any business.

A listing on the Website does not guarantee that a business is licensed, insured, available, qualified, reputable, safe, or suitable for your needs. You are responsible for verifying all business details before buying from, selling to, contacting, or relying on any listed business. This includes verifying:

• Credentials and any professional memberships
• Reviews and references
• Pricing, premiums, and spreads
• Availability and service area
• Terms of service and transaction details
• Any other important information

We are not responsible for the acts, omissions, statements, services, pricing, products, payments, disputes, or conduct of any third-party business or user. Your dealings with any listed business are solely between you and that business.

6. Leads, Forms, and Contact Requests

The Website may allow users to submit contact forms, listing claims, business inquiries, advertising inquiries, dealer contact requests, or other messages.

By submitting a form, you authorize us to process the information submitted and to route the request as appropriate, which may include sending the information to a business, advertiser, service provider, internal team member, software tool, or partner.

Submitting a form does not guarantee a response, appointment, quote, service, purchase, or business relationship. You are responsible for ensuring that any information you submit is accurate and that you have the right to submit it.

7. Accounts

Some features require an account, which you access with your email and password or an optional one-time email sign-in link.

You are responsible for keeping your credentials secure and for all activity under your account. You agree to provide accurate information, keep it up to date, and notify us of any unauthorized use. We may suspend or terminate accounts that violate these Terms or are used for abuse.

8. Business Claims and Authorized Representatives

If you claim or manage a business listing, you agree that:

• You are authorized to represent the business
• The information you provide is accurate
• You will not claim a business you do not own or have authority to manage
• You will update information when it changes
• You will not submit misleading, infringing, unlawful, or deceptive content

We may request verification, approve or deny claims, remove claimed access, or edit listings at our discretion.

9. Paid Listings, Advertising, and Featured Placement

Consumer features — searching the directory, viewing listings, the calculators, the Stack Tracker, and saved lists — are free. Businesses may purchase optional upgraded listings, featured placement, advertising, or other promotional services. Unless otherwise stated in writing:

• Paid placement does not guarantee traffic, leads, clicks, customers, revenue, rankings, calls, messages, or sales
• Advertising positions may change
• We may reject, edit, suspend, or remove advertising at our discretion
• Fees are due according to the terms presented at purchase or invoice
• Subscription services may renew until canceled according to the applicable payment terms

Any refund, cancellation, or billing terms will be provided at the time of purchase or in a separate written agreement if applicable. Fees are non-refundable except where required by law or stated otherwise.

10. Payments and Billing

If payments are accepted through the Website, they may be processed by third-party payment processors.

You agree to provide accurate payment and billing information and authorize charges for purchased services, subscriptions, advertising, listings, or other paid offerings.

We are not responsible for payment processor errors, delays, declines, account holds, chargebacks, or third-party processing issues.

11. Saved Data and the Stack Tracker

Saved shops and the holdings you enter into the Stack Tracker are stored on your device and, when you are signed in, synced to your account.

You are responsible for the accuracy of what you enter. We provide these tools "as is" and do not guarantee that your data will never be lost — keep your own records of anything important.

12. User-Submitted Content

You may be able to submit content, including business descriptions, images, logos, messages, listing details, or other materials. By submitting content, you represent that:

• You own the content or have permission to use it
• The content is accurate to the best of your knowledge
• The content does not violate the rights of others
• The content is not unlawful, defamatory, misleading, abusive, obscene, infringing, or harmful
• The content does not contain malware, spam, or unauthorized advertising

You grant us a non-exclusive, royalty-free, worldwide license to use, display, reproduce, edit, format, publish, distribute, and promote submitted content in connection with the Website. We may edit, reject, remove, or disable content at our discretion.

13. Reviews and Ratings

Where the Website displays ratings or review counts, they come from a third-party source (such as Google) and are attributed accordingly. We never fabricate ratings, reviews, or testimonials.

Ratings and reviews reflect the views of the individuals who submitted them to the source and do not necessarily represent our views. We do not guarantee the accuracy, reliability, or completeness of third-party ratings or reviews.

14. Intellectual Property

The Website, including its design, layout, text, graphics, logos, code, images, icons, components, branding, and other materials, is owned by us or our licensors unless otherwise stated.

You may not copy, reproduce, modify, distribute, sell, lease, scrape, republish, or exploit Website content without prior written permission. Business content you submit remains yours, subject to the license described above.

Third-party names, logos, trademarks, images, or content remain the property of their respective owners.

15. Third-Party Websites and Services

The Website may link to third-party websites, dealer sites, advertisers, social media pages, map providers, payment processors, embedded tools, or other external services.

We do not control and are not responsible for third-party websites, services, content, policies, availability, accuracy, security, or practices.

Your use of third-party websites and services is at your own risk and may be governed by separate terms and privacy policies.

16. Google Maps and Ratings Data

Where ratings, review counts, or review content are shown with Google branding, that data is provided by Google. Your use of those features is additionally subject to the Google Maps/Google Earth Additional Terms of Service and the Google Privacy Policy, which are incorporated into these Terms by reference. Google content remains the property of Google and the respective review authors.

17. Availability and Website Changes

We may update, modify, suspend, or discontinue any part of the Website at any time without notice.

We do not guarantee that the Website will always be available, uninterrupted, secure, error-free, or free from viruses or harmful components.

We may change content, features, listings, pricing, policies, or functionality at our discretion.

18. Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, availability, and security.

We do not warrant that:

• The Website will meet your expectations
• Website content, prices, or ratings will be accurate or complete
• The Website will be uninterrupted or error-free
• Any business, listing, advertiser, or third party will perform as expected
• Any price, calculation, or tracker total will be accurate
• Any inquiry will result in a response, sale, or transaction

19. Limitation of Liability

To the fullest extent permitted by law, Ferguson Andrews Marketing LLC and its owners, officers, employees, contractors, affiliates, service providers, and partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages. This includes damages related to:

• Website use or inability to use the Website
• Errors, omissions, or inaccuracies
• Third-party businesses or services
• Listings, leads, advertising, or user content
• The value of metals or collectibles, or decisions made based on Website content
• Lost profits, lost revenue, lost data, lost opportunities, or business interruption
• Unauthorized access, security issues, or technical failures

To the fullest extent permitted by law, our total liability for any claim related to the Website will not exceed the amount you paid directly to us for the specific service giving rise to the claim, or $100 if no amount was paid.

20. Indemnification

You agree to defend, indemnify, and hold harmless Ferguson Andrews Marketing LLC and its owners, officers, employees, contractors, affiliates, service providers, and partners from any claims, damages, losses, liabilities, costs, or expenses arising from:

• Your use of the Website
• Your violation of these Terms
• Your submitted content
• Your business listing or claim
• Your communications with users, businesses, advertisers, or third parties
• Your violation of any law or third-party right
• Your products, services, representations, or business practices

21. Termination

We may suspend, restrict, or terminate your access to the Website at any time, with or without notice, if we believe you violated these Terms or if we determine it is appropriate for business, legal, security, or operational reasons.

Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, indemnification, and governing law.

22. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Any dispute arising from or related to the Website or these Terms shall be handled in the state or federal courts located in Florida, unless applicable law requires otherwise.

23. Changes to These Terms

We may update these Terms from time to time.

When we update the Terms, we will revise the "Last updated" date above. Your continued use of the Website after changes are posted means you accept the updated Terms.

24. Contact Us

For questions about these Terms, contact: