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Terms and Conditions

Terms and Conditions

CUSTOMER’S ASSUMPTION OF RISK OF INVESTMENT 

Customer assumes the risk of all investment decisions and acknowledges and understands that Hartford has not made and will not make any guarantee, promise, representation, or prediction regarding Customer’s ability to profit from any transaction, or any tax consequences or implications of any transaction. In no event shall Hartford be liable for any direct or indirect damages resulting from any transaction involving Customer. Hartford expressly disclaims any express or implied warranties, including without limitation any warranty of merchantability or fitness for any particular purpose, and any warranty as to the grade or description of any precious metal. Customer alone decides what precious metals to purchase and if and when to sell precious metals, and Hartford guarantees neither the profitability of any transaction, nor that Customer will be able to sell any precious metal for a profit. 

HOLDING PERIOD 

Precious metals should be considered a long-term investment, and Customer should be prepared and willing to hold any purchased precious metal for several years, preferably five to ten years. Therefore, Customer should not invest capital that cannot be held for at least this estimated period of time. Customer acknowledges and understands we make no guarantee or prediction that Customer will make a profit, or will not sustain a loss, at the expiration of such period of time. 

VOLATILITY OF MARKET

The performance of a precious metal’s investment depends in substantial part upon often-unpredictable extrinsic market forces, including without limitation supply and demand, international monetary markets, inflation and general economic conditions and expectations. The impact of these forces, or any of them, on the values of precious metals cannot be predicted with any degree of certainty. Customer acknowledges and understands the precious metals market(s) can be volatile and that prices may rise or fall over time, and that past performance is no indication of future performance. Moreover, precious metals are not suitable investments for anyone seeking current income. Hartford shall not be liable for any loss caused directly or indirectly by any exchange or market ruling, government restriction, force majeure (i. e., act of God, war, terrorism, embargos, labor dispute, etc.), or any other cause beyond our control. 

DISCLAIMER OF DAMAGES 

In no event, and under no legal theory, whether in contract, tort or otherwise, shall we be liable for any direct, indirect, incidental, consequential, economic, non-economic or punitive damages of any kind whatsoever, including without limitation damages resulting from any loss of profits, earnings or business, even if we advised of the possibility of such damages 

NO REFUNDS 

As expressly stated in The Financial Market Place agreement, all sales are final and precious metals cannot be exchanged or returned for a refund. Customer agrees to carefully inspect each delivery upon receipt, and if for any reason Customer is not fully satisfied with the quality of any precious metal purchased from, The Financial Market Place Customer will immediately notify us. If Customer notifies The Financial Market Place of Customer’s dissatisfaction within 7 calendar days after delivery of the subject precious metal and the original holder in which the subject precious metal was delivered has not been opened, removed, tampered with, or damaged, The Financial Marketplace will replace the subject precious metal with another precious metal of the same denomination/type & grade.