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Policies & Procedures
Policies & Procedures doing business with KDPM:

Orders 
We DO NOT accept orders that are left on our voice mail or sent by email. Any order left on our voice mail or sent via email will NOT be honored and will be considered null and void. 

Binding Contract 
Once you have placed a Buy Order to purchase from KDPM or a Sell Order to sell to KDPM you have entered into a binding contract.

Market Loss Policy 
When you buy from KDPM or sell to KDPM and a confirmation number has been issued, you have a binding contract, the transaction price is locked-in and any corresponding market risk is transferred to you. If you default in your performance of payment, shipment (including quantity or quality of items) or any other act required by you, we may cancel your Buy Order(s)/Sell Order(s). If your Buy Order(s)/Sell Order(s) is cancelled, you agree you have full responsibility and liability to KDPM for any Market Loss and must pay for all fees and costs associated with KDPM's efforts in collecting from you. Any Market Gain on Buy Order/Sell Order cancellations shall remain the property of KDPM, and KDPM shall have no responsibility to you for a Market Gain. We reserve the right to cancel any Buy Order/Sell Order at any time and for any reason stated in our How To Buy/Sell Terms and Conditions. 


Termination & Liquidation
You have no right to cancel your Buy/Sell Order(s). However, if you default on performance of payment, shipment or any other act required of you by KDPM, we reserve the right to cancel your Buy/Sell Order(s) without notice. 

All Buy/Sell Order cancellations are subject to our Market Loss Policy. If applicable, you agree to accept full responsibility and liability to KDPM for any cancellation fee and/or Market Loss and you agree to remit immediately (upon notice) to KDPM good funds for any cancellation fee and/or Market Loss. No future orders by you may be permitted. Any Market Gain on a Buy/Sell Order(s) cancellation shall remain the property of KDPM.

In addition to non-payment, KDPM reserves the right to cancel your Buy Order for any reason due to circumstances beyond the control of KDPM. These reasons include, but are not limited to, those that prohibit KDPM from engaging in normal market operations such as hedging all orders, unusual or excessive market volatility, upstream supplier defaults, “cash settlement” of any kind affecting us, our counterparties and/or suppliers or the unavailability of the physical precious metals you have ordered.

In the event KDPM cancels your order for reasons beyond our control, client acknowledges that you will not receive the physical precious metals you ordered. Instead, all orders that have been pain in full with good funds cleared and received by KDPM will be refunded the full amount of funds previously remitted to KDPM for the cancelled order. Orders previously locked in that have not resulted in good funds cleared and received by KDPM will be cancelled.  


Invoices
Buyers & Sellers must keep a copy of their invoice(s) for tax or other purposes. KDPM is not responsible for providing a second copy.      

Non-Refundable
All purchases are non-refundable.

Shipping
Purchases will be shipped only after receipt and notification to us of good funds at our bank. If you know you will not be available to receive your package on a specific day(s) please tell us when you place your order. We will do everything we can to accommodate you. KDPM WILL SHIP YOUR PACKAGE(S) TO THE ADDRESS YOU AUHORIZED WHEN YOU FILLED OUT OUR NEW ACCOUNT FORM OR PLACED YOUR ORDER. IT WILL BE  REFERENCED ON YOUR INVOICE. IT IS YOUR RESPONSIBILITY TO CONFIRM THE SHIPPING ADDRESS IS CORRECT AT THE TIME YOU RECEIVE YOUR INVOICE. YOUR SHIPPING ADDRESS WILL NOT CHANGE WITHOUT WRITTEN INSTRUCTIONS FROM YOU, AND, RECEIVED AND CONFIRMED BY KDPM AT LEAST FORTY-EIGHT (48) HOURS BEFORE YOUR PACKAGE IS SCHEDULED TO SHIP. At the time your purchase is shipped, you will be notified by email.  The notification will include your tracking number. You will receive automatic updates on the status of the shipment from the shipper.    

Your Buy Order(s) are shipped via U.S. Mail, UPS or Federal Express. KDPM reserves full discretion for the choice of carrier for all packages sent to you.  All packages are insured until it is signed for on your end. Signatures are NOT "restricted signatures" meaning they can be signed for by anyone at the address you provide us to ship your package to when you place your Buy Order. Clients are responsible for whoever signs for their package. KDPM assumes no responsibility for packages after they are signed for.     

KDPM insures all of its Sales Order shipments to you for the sale value of the enclosed product purchased from KDPM subject to the following limitations. We must be notified of a lost package within five (5) calendar days from the ship date of your order. Should anything happen while your package is in transit to you, you may be covered under our insurance policy provided that you directly receive the package from the common carrier. Neither we, nor our insurance company, accepts (and we specifically disclaim) responsibility if you have left instructions with any carrier or delivery service to leave parcels for you without the need for your signature. Nor do we, nor our insurance company, accept (and we specifically disclaim) responsibility if you have given any carrier or delivery service instructions to leave your package with someone else, such as a building manager, valet, neighbor, or a drop-off location such as Mail Boxes Etc., The UPS Store, or similar third party drop off locations. In any such case, your package will not be covered for insurance by KDPM or our insurance carrier. If you do not receive the package directly from the common carrier, you agree to take all reasonable actions to assist in recovery of the package, including but not limited to filing out reports (and/or police reports) and providing all information needed or that may be requested to assist in recovery of the package. If you do not fully cooperate in recovery efforts, neither KDPM, nor our insurance company or carrier will have any liability to you.

When we ship to you, if products are lost or damaged in transit, it is our responsibility to pursue any claim with the insurance company. If we determine the package is lost or damaged, we file a claim. Once the claim is filed, we reserve the right to re-ship your items or refund your money at our discretion, and KDPM shall have no further responsibility or liability to you. If there is any disruption in the delivery of a package to you, you agree to cooperate with us in any investigation or claim process and to take every reasonable action requested of you in the process. Failure to fully cooperate will jeopardize coverage that may be provided to you.     

Depositories
KDPM does not recommend any specific storage facilities, however, we will, with your written authorization, send your purchased coins/bars to the depository of your choice. All buyers must do their own due diligence of each facility.

Patriot Act 
We fully support and comply with the USA PATRIOT ACT. Each new client must provide a copy of an unexpired, photo-bearing, government-issued identification (driver's license, state issued ID card or passport). The copy must be readable so we can verify the name, driver's license number or state issued ID number.     

Risks / Investment Advice 
The Precious Metals market is speculative and it is unregulated. Precious metal coins and bars involve risks. The value of a precious metal coin or bar is affected by many factors including the current market price of metal, the perceived scarcity of the coin or bar, the quality, current supply and demand, general market sentiment and other factors. 

The value of any precious metal coin or bar is generally determined by the current spot price of the underlying precious metal, the premium over spot and by the supply and demand for these particular items. Because the precious metals markets are volatile their prices will fluctuate while the precious metals market is open. Consequently, you can lose or gain on your principal and the resale value of your coin(s) or bar(s) may or may not be equal to the original purchase price. 

Because precious metal coins and bars can go down in price as well as up, investing in them may not be suitable for everyone. Precious metal coins and bars can decline in value, therefore, you should understand them well and have adequate cash reserves and disposable income before considering a precious metal coin or bar investment.    

Due to the complexity of the precious metals market and reliance of KDPM on various counterparties to facilitate the supply of physical precious metals to you, client expressly acknowledges that KDPM reserves the right to cancel your Buy Order for any reason due to circumstances beyond the control of KDPM. These reasons include, but are not limited to, those that prohibit KDPM from engaging in normal market operations such as hedging all orders, unusual or excessive market volatility, upstream supplier defaults, “cash settlement” of any kind affecting our counterparties and/or suppliers or the unavailability of the physical precious metals you have ordered.

In the event KDPM cancels your order for reasons beyond our control, client acknowledges that you will not receive the physical precious metals you ordered. Instead, all orders that have been pain in full with good funds cleared and received by KDPM will be refunded the full amount of funds previously remitted to KDPM for the cancelled order. Orders previously locked in that have not resulted in good funds cleared and received by KDPM will be cancelled.   

You expressly acknowledge that KDPM does not give any investment advice, tax advice, recommendations and/or guarantee profits and you shall be solely responsible for making any decision to purchase from KDPM and/or sell to KDPM. In addition, you represent and warrant to KDPM that you have sufficient knowledge and experience to make informed decisions to purchase from and/or sell to KDPM. You also expressly acknowledge that you are subject to a variety of risks, which risks are beyond the control of KDPM, and you expressly acknowledge that KDPM is not liable or responsible for those risks, for which you have sole responsibility.  

Those risks include, without limitation, risks associated with the price volatility of precious metal coins and bars. Under certain market or other conditions, you understand and acknowledge that you may not be able to liquidate any purchased products or liquidate the purchased products at prices acceptable to you.

​We advise you that prior performance cannot be used to predict future value of coins. In making any decision to buy coins or sell coins you should assess the stability of the current market, view any decision strictly in context of purchasing such coins for the long-term, and obtain any investment advice from your own financial expert.