Harbor Silver — Terms & Conditions, Shipping Policy, Returns Policy, Disclaimer & Risk Disclosure

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By accessing HarborSilver.com (“the Site”) or purchasing any products from Harbor Silver (“we,” “us,” “our”), you agree to the following Terms & Conditions. These terms are designed to protect Harbor Silver and ensure transparency for all customers. If you do not agree, you must discontinue use of the Site immediately.

1. Acceptance of Terms

By using this Site, creating an account, or placing an order, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, our Privacy Policy, and all additional policies contained herein.

2. Eligibility

You must be at least 18 years old to purchase products from Harbor Silver. By placing an order, you represent and warrant that you meet this requirement.

3. Product Condition, Authenticity & AS‑IS Sales

All products sold by Harbor Silver — including bullion, coins, rounds, bars, and Heritage Silver™ items — are sold strictly AS‑IS.

This includes, but is not limited to:

  • Variations in condition
  • Toning, spotting, scratches, or wear
  • Minting imperfections
  • Packaging variations
  • Differences in strike, luster, or appearance
  • Historical or circulated wear on legacy coins

We guarantee metal content only, not cosmetic condition, grading, or collectible value.

Harbor Silver does not guarantee:

  • Future value
  • Investment performance
  • Numismatic grade
  • Third‑party grading outcomes

Images on the Site are for illustrative purposes only. Actual products may vary.

4. Pricing & Market Volatility

Precious metal prices fluctuate constantly. Prices listed on the Site may change at any time without notice.

Once an order is placed and payment is received:

  • The price is locked in
  • The order cannot be canceled
  • The order cannot be modified

We are not responsible for market changes before or after your purchase.

5. Order Acceptance & Cancellation by Harbor Silver

We reserve the right to refuse, cancel, or limit any order at our sole discretion, including but not limited to:

  • Suspected fraud
  • Payment issues
  • Incorrect pricing
  • Inventory errors
  • Violations of these Terms & Conditions

If Harbor Silver cancels an order, we will issue a refund for the amount paid.

6. Payment Terms

By placing an order, you agree to pay the full amount due, including product cost, taxes, and shipping fees.

Chargebacks, payment disputes, or fraudulent claims will result in:

  • Immediate account termination
  • Reporting to payment processors
  • Possible legal action

7. Shipping Policy

7.1 Shipping Methods

Orders are shipped using reputable carriers such as USPS, UPS, or FedEx. Shipping method may vary based on order size, value, and destination.

7.2 Processing Time

Orders typically ship within 1–3 business days after payment is received and cleared. Processing times may vary during high‑volume periods.

7.3 Shipping Address Accuracy

Customers are responsible for providing accurate shipping information. Harbor Silver is not responsible for:

  • Misdelivery due to incorrect address
  • Lost packages resulting from incorrect address entry

7.4 Risk of Loss

Risk of loss transfers to the customer once the carrier marks the package as “Delivered.”

Harbor Silver is not responsible for:

  • Theft after delivery
  • Packages left unattended
  • Misdelivery due to customer error
  • Lost or stolen packages after carrier confirmation

If you require signature confirmation or additional insurance, you must request it before placing your order.

8. Returns Policy — ALL SALES FINAL

Due to the nature of precious metals and market volatility:

ALL SALES ARE FINAL.

NO RETURNS. NO REFUNDS. NO EXCHANGES. NO CANCELLATIONS.

Once an order is placed and payment is received, it cannot be canceled or modified for any reason.

This policy protects both Harbor Silver and our customers from market manipulation, price swings, and fraudulent returns.

9. Website Use License

You may temporarily download one copy of the materials on this Site for personal, non‑commercial viewing only. This is a license, not a transfer of title.

You may not:

  • Modify or copy materials
  • Use materials for commercial purposes
  • Attempt to reverse engineer any software
  • Remove copyright or proprietary notices
  • Transfer materials to another person or server

10. Disclaimer of Warranties

All materials, products, and services on this Site are provided “AS IS” and “AS AVAILABLE.”

Harbor Silver disclaims all warranties, express or implied, including but not limited to:

  • Merchantability
  • Fitness for a particular purpose
  • Non‑infringement
  • Accuracy or completeness of information
  • Future value or investment performance

11. Limitation of Liability

To the fullest extent permitted by law, Harbor Silver shall not be liable for any damages arising from:

  • Use or inability to use the Site
  • Product condition or appearance
  • Loss of data or profits
  • Business interruption
  • Market fluctuations
  • Shipping delays or carrier errors
  • Customer misuse or misinterpretation of products

Our total liability shall not exceed the amount paid for the product in question.

12. Precious Metals Risk Disclosure

Purchasing precious metals involves risk. By buying from Harbor Silver, you acknowledge and agree that:

  • Precious metal prices are volatile and may rise or fall significantly.
  • Past performance does not guarantee future results.
  • You may lose money on your purchase.
  • Harbor Silver does not provide financial, tax, or investment advice.
  • You are solely responsible for evaluating the suitability of precious metals for your financial situation.
  • You should consult a qualified financial advisor before making investment decisions.

Harbor Silver is not responsible for market losses, investment outcomes, or changes in the value of your metals.

13. Revisions & Modifications

Harbor Silver may revise these Terms & Conditions at any time without notice. By continuing to use the Site, you agree to be bound by the current version.

14. Governing Law

These Terms & Conditions are governed by the laws of the State of Maryland, without regard to conflict‑of‑law principles.

15. Contact Information

If you have any questions about these Terms & Conditions or related policies, please contact us through our secure Contact Form on HarborSilver.com.