Effective Date: December 31, 2025
Last Updated: December 31, 2025
1. Overview & Acceptance of Terms
These Terms and Conditions (“Terms”) govern all purchases, sales, and other transactions conducted with First National Bullion Partners, LLC (“First National Bullion,” “we,” “us,” or “our”), whether through our website, telephone, email, or other approved channels (collectively, the “Services”). By accessing the Services or placing an order, you agree to be bound by these Terms and our Privacy Policy.
2. Eligibility
You must be at least eighteen (18) years of age and have the legal capacity to enter into a binding contract to transact with First National Bullion.
3. Orders, Pricing, and Payment
All prices and availability are subject to change without notice. Orders become binding only upon receipt of cleared payment within required timeframes. First National Bullion reserves the right to refuse or cancel any order, including but not limited to orders deemed questionable, suspicious, a significant risk, priced in error, affected by abrupt market movements, or not paid within required timeframes.
4. Market Loss, Cancellations, and Administrative Fees
Once an order is placed, pricing is locked. Orders may not be canceled once confirmed. Where permitted, orders may be offset at current market prices and are subject to market loss and a standard administrative fee of $50. Any market gains on canceled or offset orders belong solely to First National Bullion. Customer expressly authorizes First National Bullion to charge any payment method on file for market loss, administrative fees, or other amounts owed.
5. Refunds, Returns, and Exchanges
Refunds, returns, and exchanges are limited to five (5) business days from the date of delivery. Customers must notify First National Bullion Customer Service within this period to request a return or exchange. Shipping and handling charges are non-refundable. Returned items must reasonably conform to the original order and these Terms. All refunds, returns, and exchanges are subject to market loss policies and a $50 administrative fee. First National Bullion reserves the right to reject any return or exchange that does not reasonably conform to these requirements.
6. Sell-To-Us Transactions
Quotes for items sold to First National Bullion are subject to inspection and verification. Pricing is not final until inspection is completed and acceptance is confirmed.
7. Product Verification and Authentication
All precious metals, coins, bars, rounds, jewelry, or other items submitted to First National Bullion are subject to inspection, verification, and authentication using industry-standard methods. Verification may include visual inspection, weight and dimensional analysis, electronic testing, density testing, destructive testing, or third-party assay.
If an item is determined, in First National Bullion’s sole discretion, to be counterfeit, altered, plated, materially different from its description, or otherwise not authentic, First National Bullion may decline to complete the transaction. In such cases, First National Bullion has no obligation to purchase, repurchase, return, refund, or otherwise compensate the customer. No bailment or custodial relationship is created by submission of items for inspection. Customers expressly assume all risk associated with items submitted outside of First National Bullion’s chain of custody. Where permitted by law, First National Bullion may retain, surrender, destroy, or otherwise dispose of non-genuine items without liability.
8. Shipping, Risk of Loss, and Delivery Issues
Shipments are insured while in transit. Risk of loss passes to the customer upon carrier-confirmed delivery. Any issues relating to loss, damage, or discrepancy must be reported to First National Bullion within forty-eight (48) hours of delivery. Orders are final once shipped. If a customer refuses delivery, the shipment will be returned and the customer may elect to pay for re-shipment or accept market loss and a $50 cancellation fee.
9. Taxes
Customers are responsible for all applicable sales, use, income, or other taxes arising from transactions. First National Bullion does not provide tax advice.
10. Fraud Prevention and Compliance
First National Bullion reserves the right to delay, cancel, or refuse transactions where fraud, compliance, or verification concerns are identified, to record communications as permitted by law, and to cooperate with law enforcement or regulatory authorities as required.
11. Intellectual Property and Website Use
All website content, pricing data, trademarks, logos, and proprietary materials are owned by First National Bullion or its licensors. Users may not copy, scrape, reverse engineer, interfere with, disrupt, or misuse the website or its content, including by introducing malware, attempting unauthorized access, or using the site for unlawful purposes.
12. Termination and Suspension
First National Bullion reserves the right, at its sole discretion, to suspend or terminate access to the Services or cancel transactions for violation of these Terms, suspected fraud, compliance concerns, or any conduct deemed harmful to the business or other customers.
13. Force Majeure
First National Bullion shall not be liable for delays or failures in performance caused by events beyond its reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, government actions, market disruptions, power failures, carrier delays, or system outages.
14. Disclaimer of Warranties
All products, services, and information are provided on an “as-is,” “where-is,” and “with all faults” basis. First National Bullion disclaims all express, implied, and statutory warranties, including without limitation warranties of merchantability, fitness for a particular purpose, accuracy, completeness, availability, and non-infringement.
15. Limitation of Liability
To the fullest extent permitted by law, First National Bullion shall not be liable for any indirect, incidental, consequential, special, or punitive damages. Aggregate liability, if any, shall not exceed the greater of one hundred dollars ($100) or the total amount paid by the customer for the transaction giving rise to the claim.
16. Indemnification
Customer agrees to defend, indemnify, and hold harmless First National Bullion and its members, managers, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to the customer’s use of the Services, violation of these Terms, or violation of applicable law.
17. Arbitration and Class Action Waiver
All disputes arising out of or relating to these Terms or transactions shall be resolved through binding arbitration on an individual basis, administered by JAMS, and conducted in California. Class actions, collective actions, and jury trials are waived. Any claim must be brought within one (1) year of accrual.
18. Export Controls
Customer represents that it will comply with all applicable United States export control and sanctions laws and will not export or re-export any products in violation of such laws.
19. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict of law rules.
20. Entire Agreement
These Terms constitute the entire agreement between you and First National Bullion.
