Harbor Silver is committed to accuracy, authenticity, and professional service. Because precious metals and collectible coins are highly sensitive to market conditions, grading subjectivity, and tampering risks, our refund and return policy is designed to protect both the buyer and the integrity of our inventory.

1. All Sales Are Final Unless the Item Is Materially Different

Due to the nature of precious metals and collectibles, all sales are final. Returns or refunds are only accepted if the item is materially different from the listing description. Examples of material differences include:

  • Wrong item shipped
  • Incorrect denomination or date range
  • Incorrect quantity
  • Major listing error

Non‑material differences — including toning, minor spotting, circulation wear, or subjective grading opinions — do not qualify for returns.

2. Condition, Grading, and Appearance

All condition descriptions are based on visual inspection and standard industry terminology. Because grading is inherently subjective:

  • Harbor Silver does not guarantee third‑party grading outcomes
  • Harbor Silver does not accept returns based on grading opinions, expectations, or buyer interpretation
  • Natural toning, minor marks, or typical circulation characteristics are not defects

Photos in listings are representative of the item you will receive and may include minor variations consistent with circulated silver coinage.

3. Precious Metal Market Volatility

Silver and gold prices fluctuate daily. For this reason:

  • Returns based on melt value changes are not accepted
  • Refunds are not issued due to market movement
  • Orders cannot be canceled once placed, as inventory is immediately allocated

This protects both parties from market manipulation and ensures fair, consistent pricing.

4. Machine and Human Verified – Anti-Tamper Packaging

Orders are human counted and machine verified before shipment. Shipments are packaged in tamper proof packaging.

  • Returned items must match the exact serialized or identifiable item shipped
  • Items showing signs of tampering, swapping, or alteration are not eligible for refund
  • Harbor Silver reserves the right to deny any return that appears inconsistent with the original item

5. Return Window & Requirements

If a return is approved due to a material listing error:

  • Buyer must contact Harbor Silver within 3 calendar days of delivery
  • Item must be returned in the same condition received
  • Buyer is responsible for secure packaging and return shipping
  • Items damaged during return transit are not eligible for refund
  • Refunds are issued only after inspection and verification

Unauthorized returns will not be accepted or refunded.

6. Shipping Issues

If a package is lost or damaged in transit:

  • Harbor Silver will assist with carrier claims
  • Refunds are issued only after the carrier completes its investigation
  • Packages marked “Delivered” by the carrier are considered delivered

Signature confirmation may be required for high‑value orders.

7. Fraud Prevention

Harbor Silver reserves the right to:

  • Cancel or refuse any order that appears fraudulent
  • Deny returns inconsistent with marketplace policies
  • Report suspicious activity to the appropriate platforms or authorities

This ensures a safe and fair environment for all buyers.

8. Contact

For questions regarding this policy or to request a return review, contact Harbor Silver customer support.

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