Terms of Use

1. Acceptance of Terms

By accessing or using BullionStackers ("the Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Service.

2. Description of Service

BullionStackers is a peer-to-peer marketplace that connects buyers and sellers of physical precious metals — gold, silver, platinum, and palladium — in the form of coins, bars, and rounds priced near spot value. We provide listing, messaging, reputation, and shipping coordination tools. We are not a dealer, broker, or escrow service. Every transaction is between the buyer and the seller, who is the merchant of record.

3. Eligibility

You must be at least 18 years old and a resident of the United States to create an account. The Service is currently available only within the United States, with shipping limited to USPS domestic services.

4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate information, keep it up to date, and notify us immediately of any unauthorized use. We may require identity verification before enabling certain selling features.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, including the sale of counterfeit or stolen bullion
• Misrepresent the metal content, weight, purity, or condition of any listing
• Manipulate reputation scores or post false reviews
• Circumvent the platform to avoid fees or coordinate transactions outside the marketplace after a connection was made through it
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or its infrastructure
• Upload malicious code or content

6. Listings, Transactions, and Seller Responsibilities

Sellers are solely responsible for the accuracy of their listings, the legality of the items they sell, and the fulfillment of every order — including packaging, shipping, and any insurance coverage they choose to provide. Buyers are responsible for paying promptly using one of the seller's accepted payment methods, providing an accurate shipping address, and confirming receipt of payment and delivery within the platform.

BullionStackers does not take possession of inventory, hold funds, or guarantee any transaction.

7. Payments

Most payments on BullionStackers are sent directly between buyer and seller using off-platform methods (such as Zelle, Venmo, PayPal Friends & Family, ACH, or wire transfer). Card payments processed through our integrated payment provider settle directly to the seller. BullionStackers does not act as a money transmitter, and at no point do funds from a buyer pass through accounts owned or controlled by BullionStackers.

8. Fees

BullionStackers offers a free tier and several paid subscription tiers with reduced platform fees and additional selling features. Subscription fees are billed monthly or annually in advance. A platform fee is charged to the seller on each completed transaction; the amount depends on the seller's subscription tier and the order total. Current pricing is shown in the app, and we may change pricing with reasonable advance notice.

9. Shipping and Delivery Protection

All shipping is the seller's responsibility and is currently limited to USPS domestic services. Sellers set fixed-rate shipping prices on each listing. BullionStackers offers an optional Delivery Protection program that reimburses the at-risk party on eligible orders if delivery cannot be confirmed by USPS — coverage begins at the first USPS acceptance scan and ends when USPS marks the package Delivered. See the Shipping & Delivery Protection page for full eligibility, coverage, and claim terms.

10. Disputes

BullionStackers does not arbitrate disputes between buyers and sellers. Parties are expected to resolve issues directly through the in-transaction messenger, which unlocks once payment is confirmed. Reputation consequences apply to specific exception scenarios (such as a seller canceling after payment or a buyer abandoning a split-payment order). See the Dispute Resolution page for the full policy.

11. Reputation and Reviews

Buyers and sellers may leave star ratings and written reviews after a completed transaction. Reviews must be honest and based on a genuine experience with the counterparty. We may remove reviews that violate these terms or applicable law.

12. Intellectual Property

All content, features, and functionality of the Service are owned by BullionStackers and are protected by copyright, trademark, and other intellectual property laws. You retain ownership of listing content, photos, and forum posts you create, and you grant BullionStackers a non-exclusive license to display them within the Service.

13. Termination

We may suspend or terminate your access to the Service at any time for violation of these terms, suspected fraud, or other conduct that puts the marketplace or its users at risk. You may cancel your account at any time through your account settings, subject to completing any in-flight transactions.

14. Limitation of Liability

The Service is provided "as is" without warranties of any kind. BullionStackers does not guarantee the authenticity, condition, or delivery of any item listed by a seller, and shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service or from any transaction between users.

15. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes via email or through the Service. Continued use after changes constitutes acceptance.

16. Contact

For questions about these terms, please contact us at legal@bullionstackers.com.