Terms and Conditions
1. Acceptance of Terms
These Terms of Service (the “Terms”) govern your access to and use of the website located at irv.com (the “Site”) and the purchase of products from IRV.COM, operated by IRV, Inc., a Wyoming corporation (“IRV.COM,” “we,” “our,” or “us”). By accessing the Site, creating an account, or placing an order, you (“you” or the “customer”) agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site or place an order.
2. Eligibility
You must be at least 18 years of age and have the legal capacity to enter into a binding contract to use the Site or place an order. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is true, accurate, and complete.
3. Products and Pricing
3.1 Products. IRV.COM manufactures and sells precious metal products including, but not limited to, .999 fine copper, .999 fine silver, and .9999 fine gold coins, rounds, bars, and medallions, as well as custom-minted commemorative pieces.
3.2 Spot-Price Volatility. Prices for precious metal products are tied to the prevailing market price (the “spot price”) of the underlying metal and fluctuate continuously. Prices displayed on the Site are subject to change at any time prior to order confirmation.
3.3 Price Lock. Once an order is confirmed by IRV.COM, the price is locked subject to the customer’s timely performance of the payment terms set forth in Section 5. Failure to complete payment within the required timeframe voids the locked price and may result in cancellation of the order as set forth in Section 6.
3.4 Pricing Errors. In the event of an obvious typographical, system, or human pricing error, IRV.COM reserves the right to cancel any affected order, regardless of whether the order has been confirmed. The customer’s sole remedy in such event is a full refund of any amounts paid.
4. Order Process and Acceptance
4.1 Offer. When you place an order, you make an offer to purchase the products at the confirmed price, subject to these Terms.
4.2 Acceptance. An order acknowledgment or confirmation email does not constitute IRV.COM’s acceptance of your offer; it acknowledges receipt of the order. IRV.COM reserves the right to refuse, limit, or cancel any order at its sole discretion, including but not limited to orders flagged by our risk and compliance review, suspected fraud, suspected money laundering, identity verification failures, or insufficient inventory.
4.3 Customer Information. You are responsible for providing and maintaining accurate billing, shipping, and contact information. IRV.COM is not liable for delays, losses, or charges resulting from incorrect or incomplete information.
5. Payment Terms
5.1 Accepted Methods. IRV.COM accepts the following payment methods, each subject to its own processing time and limits as posted on the Site: bank wire transfer, ACH transfer, credit and debit card, and personal or business check.
5.2 Payment Deadline. Payment in full must be received within two (2) business days of order confirmation unless otherwise agreed in writing. Orders not paid in full within this period are subject to cancellation.
5.3 Cleared Funds Required. Orders ship only after funds have cleared. Personal and business checks are subject to a hold period of up to ten (10) business days before funds are deemed cleared. Wire transfers and ACH payments are subject to verification by IRV.COM’s bank.
5.4 Returned Payments. If a payment is returned, charged back, reversed, or otherwise not honored for any reason, the order will be canceled, and a returned-payment fee of $35 plus any third-party fees incurred by IRV.COM will apply.
5.5 Credit Card Chargebacks. The customer agrees not to dispute or charge back any credit or debit card payment without first contacting IRV.COM and providing a reasonable opportunity to resolve the matter.
6. Order Cancellation
6.1 Cancellation by Customer. You may cancel any unshipped order at any time before shipment by contacting IRV.COM at [email protected] or by phone during business hours. Your payment will be refunded in full to the original payment method. Once an order has shipped, cancellation is not possible; please refer to our Return and Refund Policy.
6.2 Cancellation by IRV.COM. IRV.COM may cancel any order at its sole discretion, including for pricing errors, inventory shortages, compliance review, or suspected fraud. In the event of cancellation by IRV.COM, the customer’s payment will be refunded in full.
7. All Sales Final; No Returns
Due to the volatile nature of precious metal pricing, all sales are final once payment has cleared. IRV.COM does not accept returns, exchanges, or buy-backs of precious metal products through this Site. Damaged, missing, or incorrectly fulfilled shipments are addressed exclusively under Section 8.
8. Shipping, Title, and Risk of Loss
8.1 Shipment. Orders ship after cleared funds have been received and after any required compliance review is complete. Shipping times posted on the Site are estimates and are not guarantees.
8.2 Title and Risk of Loss. Title and risk of loss for products pass to the customer upon delivery of the products to the carrier (FOB origin). All shipments are insured to their full value while in transit, subject to the carrier’s and IRV.COM’s claim procedures.
8.3 Inspection and Claims. The customer must inspect all shipments immediately upon receipt. Any claim for a lost, missing, damaged, or incorrect shipment must be made in writing to IRV.COM within seven (7) days of the date the carrier reports delivery, or, for non-arrivals, within seven (7) days of the carrier’s expected delivery date. Failure to provide timely written notice constitutes a waiver of the claim.
8.4 Address Accuracy. IRV.COM is not responsible for losses resulting from incorrect or incomplete shipping addresses provided by the customer. Address changes after shipment are not permitted.
8.5 Signature. Shipments above $500 in value require a signature upon delivery unless the customer has authorized release without a signature in writing. Signature releases are at the customer’s sole risk.
9. Regulatory and Tax Compliance
9.1 Anti-Money Laundering and Sanctions. IRV.COM complies with applicable anti-money laundering, “know your customer,” and economic sanctions laws and regulations, including but not limited to the Bank Secrecy Act, FinCEN regulations, and OFAC sanctions programs. The customer agrees to provide identifying information and documentation as may reasonably be requested by IRV.COM to comply with these obligations and authorizes IRV.COM to verify the information provided.
9.2 IRS Form 8300 Reporting. Cash and cash-equivalent payments aggregating $10,000 or more in a single transaction or in related transactions will be reported to the Internal Revenue Service on Form 8300 as required by federal law.
9.3 IRS Form 1099-B Reporting. Certain sales by IRV.COM to dealers may trigger IRS Form 1099-B reporting obligations. The customer is solely responsible for understanding and reporting their own tax obligations.
9.4 Sales and Use Tax. The customer is responsible for any applicable state or local sales, use, or excise taxes. IRV.COM collects sales tax in jurisdictions where it is required to do so by law. Customers claiming a tax exemption (including resale) must provide a valid exemption certificate prior to order acceptance.
10. Wholesale and Dealer Accounts
Wholesale, distributor, and dealer relationships are governed by a separate written agreement and may include additional or modified terms regarding minimum order quantities, payment terms (including NET payment terms), resale certificates, credit limits, and product allocation. Absent a separate written agreement, these Terms govern all transactions.
11. Intellectual Property
11.1 Site Content. The Site and all of its original content, features, and functionality (including but not limited to text, graphics, logos, images, product designs, die designs, and the design and arrangement of the Site) are the exclusive property of IRV.COM and are protected by U.S. and international copyright, trademark, trade dress, patent, and other intellectual property laws.
11.2 Limited License. IRV.COM grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. No other use is permitted without IRV.COM’s prior written consent.
11.3 Customer-Submitted Content for Custom Products. For custom-minted products commissioned by the customer, the customer represents and warrants that the customer owns or has the necessary rights to use any artwork, marks, logos, or designs submitted to IRV.COM, and the customer agrees to indemnify, defend, and hold harmless IRV.COM against any third-party claim, demand, or action arising from the customer-supplied content, including infringement of intellectual property rights.
12. Disclaimer of Investment, Financial, Legal, and Tax Advice
IRV.COM is a precious metals manufacturer and dealer. IRV.COM is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or attorney. Nothing on the Site, in any communication from IRV.COM, or in any educational material published by IRV.COM (including but not limited to information regarding precious metals markets, IRA eligibility, or numismatic value) constitutes investment, financial, legal, or tax advice. Information is provided for educational purposes only. Past performance of precious metals does not guarantee future results, and the value of precious metals fluctuates and may decline. Customers should consult their own qualified professional advisors before making any purchase or investment decision.
13. Disclaimer of Warranties
IRV.COM warrants that products sold through the Site will be authentic and will meet the metal content, weight, and fineness specifications stated on the Site at the time of sale. EXCEPT FOR THE LIMITED WARRANTY IN THE PRECEDING SENTENCE, THE SITE AND ALL PRODUCTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IRV.COM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST BUSINESS OPPORTUNITIES, LOST DATA, OR ANY LOSS ATTRIBUTABLE TO CHANGES IN THE MARKET VALUE OF ANY METAL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY PRODUCT PURCHASED FROM IRV.COM. IN NO EVENT SHALL IRV.COM’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO ANY ORDER EXCEED THE AMOUNT ACTUALLY PAID BY THE CUSTOMER FOR THE SPECIFIC ORDER GIVING RISE TO THE CLAIM.
15. Indemnification
You agree to indemnify, defend, and hold harmless IRV.COM and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any applicable law or any third-party right; (c) your misuse of the Site or any product; or (d) any artwork, designs, or other materials you submit to IRV.COM in connection with custom products.
16. Privacy
Your use of the Site and your relationship with IRV.COM are also governed by our Privacy Policy, available at /privacy-policy/, which is incorporated into these Terms by reference.
17. Electronic Communications and Marketing Consent
By creating an account, placing an order, or providing your contact information, you consent to receive electronic communications from IRV.COM, including transactional communications such as order confirmations, shipping notices, and account notices. If you opt in, you may also receive marketing emails or text messages. You may opt out of marketing communications at any time by following the unsubscribe instructions in any such communication or by contacting us. Standard message and data rates may apply to text messages. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.
18. Third-Party Links
The Site may contain links to third-party websites and resources. IRV.COM does not control and is not responsible for the content, products, services, or practices of any third-party site. Your use of any third-party site is at your own risk and is subject to that site’s terms and policies.
19. Force Majeure
IRV.COM shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, fire, war, terrorism, civil unrest, government action, labor disputes, supply chain interruptions, refining or minting capacity constraints, carrier delays, telecommunications or utility failures, and pandemics or epidemics.
20. Termination
IRV.COM may suspend or terminate your access to the Site, refuse future orders, or cancel pending orders, at any time and for any reason, including but not limited to suspected fraud, breach of these Terms, or violation of applicable law. Termination does not relieve you of any obligations incurred prior to termination, including the obligation to pay for orders shipped or in process. Sections that by their nature should survive termination (including Sections 6, 7, 11, 12, 13, 14, 15, 21, 22, and 24) shall survive termination.
21. Governing Law and Venue
These Terms and any dispute arising out of or relating to these Terms or your use of the Site shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of laws provisions. Subject to the arbitration provisions in Section 22, the exclusive venue for any judicial proceedings shall be the state and federal courts located in Christian County, Missouri, and the parties consent to personal jurisdiction in such courts.
22. Dispute Resolution; Binding Arbitration; Class Action Waiver
22.1 Informal Resolution. Before initiating any formal proceeding, the parties agree to attempt in good faith to resolve any dispute informally for at least thirty (30) days following written notice of the dispute.
22.2 Binding Arbitration. If a dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms, your purchase of any product, or your use of the Site shall be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in Christian County, Missouri, by a single arbitrator. Judgment on the arbitrator’s award may be entered in any court of competent jurisdiction.
22.3 Class Action Waiver. YOU AND IRV.COM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.
22.4 Exceptions. Either party may bring an individual claim in small claims court if the claim qualifies. IRV.COM may seek injunctive or other equitable relief in court for the protection of its intellectual property rights or to enforce confidentiality obligations.
22.5 Opt-Out. You may opt out of the arbitration provisions in this Section 22 by sending written notice to IRV.COM at the address in Section 25 within thirty (30) days of first agreeing to these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
23. Changes to These Terms
IRV.COM reserves the right to modify these Terms at any time. Material changes will be communicated by posting the updated Terms on the Site, updating the “Last Updated” date at the top, and, where appropriate, providing notice via email or a prominent banner on the Site. The effective date of any updated Terms will be the date of posting unless otherwise stated. Your continued use of the Site after the effective date of the updated Terms constitutes your acceptance of the changes.
24. Miscellaneous
24.1 Entire Agreement. These Terms, together with our Privacy Policy and any separate written agreement (such as a wholesale agreement) between you and IRV.COM, constitute the entire agreement between you and IRV.COM regarding the Site and your purchases.
24.2 Severability. If any provision of these Terms is held invalid or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall remain in full force and effect.
24.3 No Waiver. The failure of IRV.COM to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
24.4 Assignment. You may not assign or transfer these Terms or any rights hereunder without IRV.COM’s prior written consent. IRV.COM may assign these Terms freely, including in connection with a merger, acquisition, sale of assets, or change of control.
24.5 Notices. Notices to IRV.COM shall be sent in writing to the address in Section 25 or to [email protected]. Notices to you may be sent to the email address or postal address associated with your account or order.
24.6 Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.
25. Contact Us
For questions about these Terms or your order, contact us at:
IRV, Inc. (d/b/a IRV.COM)
P.O. Box 323
Ozark, MO 65721
Email: [email protected]
Phone: 417-744-9999