Terms of Service

Last updated July 06, 2025

8. Shipping and Delivery.
   1. Shipping. The App offers various shipping options for Users. Sellers may elect to cover all or some shipping fees and expenses or require applicable Buyers to pay shipping fees and expenses. PeerMetals may cover shipping fees or expenses in some instances. Visit the PeerMetals Help Center for more information about shipping options, and fees and expenses.
   2. Third-party Shipping Terms.
      1. Sellers shipping with the United States Postal Service (USPS) must accept and comply with all applicable provisions of the Domestic Mail Manual (as may be regularly updated by the Postal Service and posted at http://pe.usps.com/text/dmm300/dmm300_landing.htm) and of other postal laws and standards, including USPS Publication 52 – Hazardous, Restricted, and Perishable Mail.
      2. Sellers shipping with UPS must accept and comply with the UPS Tariff/Terms and Conditions of Service and the UPS Technology Agreement and End User Rights in effect at the time of shipping with UPS and will not attempt to ship any items prohibited by UPS, or any UPS-regulated items, without an express written contract with UPS (click to view List of Prohibited Articles for Shipping).
      3. Separate third-party terms and conditions of use may apply if Sellers use other shipping carriers permitted by the App.
   3. Bring Your Own Label (''BYOL'') and Bring Your Own Account (''BYOA'').The following terms apply vis-à-vis Sellers in Transactions where the Seller has elected to use either the BYOL or BYOA program.
      1. By electing to use the BYOL or BYOA program, the Seller purchases its own shipping services from a third-party shipping service provider in order to ship its product(s) to the Buyer. PeerMetals then purchases these shipping services from the Seller and subsequently resells them to the Buyer.
      2. PeerMetals pays predetermined standard shipping fees for the purchase of shipping services from the Seller, and may change from time to time subject to prior notification.
      3. If the shipping fees due by the Seller to the designated third-party BYOL and BYOA shipping service providers are higher than the PeerMetals predetermined standard shipping fees, PeerMetals will not compensate the Seller for the difference.
      4. If the shipping fees due by the Seller to the third-party shipping service provider are lower than the PeerMetals predetermined shipping fees, PeerMetals will not charge the Seller for the difference.

9. Transactions.
   1. Sales & Auctions. Sellers on PeerMetals may list items for sale through fixed-price listings, where Buyers may also submit offers, or through real-time auctions. For auction listings, Sellers set the starting price, bid increments, reserve prices (if applicable), auction duration, and any specific terms or conditions for the sale. The Seller has full control over the auction process, including accepting bids, determining winning bids, and resolving any disputes related to their auction. PeerMetals does not act as an auctioneer and does not participate in the auction process. However, PeerMetals reserves the right to cancel a Transaction if it determines, in its reasonable discretion, that a significant error occurred during bidding or that the auction violated platform policies or applicable laws.
   2. Return Policy. The PeerMetals return policy can be found on the PeerMetals Help Center. If you experience a problem with your purchase or Item, and you cannot find the proper answer on PeerMetals Help Center, please contact us using our support page.
   3. Historical Data. PeerMetals may, in its sole discretion, provide historical PeerMetals sales data and estimated values for Items. PeerMetals is under no obligation to provide such data, but rather may choose to do so for the benefit of its Users. PeerMetals' historical sales data and estimated values in no way suggest or guarantee that Items will sell for an amount that is close to or that exceeds the amount of any past Transaction or for estimated value. WE HEREBY DISCLAIM ALL LIABILITY FOR ANY CLAIMS ARISING FROM, IN CONNECTION WITH OR RELATING TO ANY HISTORICAL SALES DATA OR ESTIMATED VALUES FOR ITEMS THAT WE MAY PROVIDE ON THE APP. YOU HEREBY REMISE, RELEASE AND FOREVER DISCHARGE PEERMETALS AND PEERMETALS REPRESENTATIVES OF AND FROM ANY AND ALL CLAIMS WHATSOEVER WHICH YOU EVER HAD, NOW HAVE OR MAY HEREAFTER HAVE, WHETHER AT COMMON LAW, IN EQUITY, BY STATUTE OR OTHERWISE, WHETHER NOW KNOWN OR UNKNOWN, ARISING FROM, IN CONNECTION WITH OR IN RESPECT OF ANY HISTORICAL SALES DATA OR ESTIMATED VALUES FOR ITEMS THAT WE MAY PROVIDE ON THE APP.

10. Seller Terms.
    1. Application. If a User wishes to sell Items on the App as a Seller, the User must apply to be a Seller by following the instructions posted on the App, including providing certain information requested on the App. All Sellers must provide the following information: (i) first and last name, (ii) email address, (iii) physical address, and (iv) phone number. All Users may provide additional information as requested in your Profile and Account (the foregoing will also be considered "User Information"). All the information you provide must be current, complete, accurate, and not false or misleading in order to use the App. PeerMetals will approve or reject a User's application to sell Items on the App in its sole discretion.
    2. Fees. Sellers are required to pay PeerMetals platform fees and other charges for each Transaction. The amount of such fees and charges is outlined on our Help Center, which may be updated or amended from time to time (the "Fee Schedule"), and such fees and charges are hereby incorporated into these Terms by reference. Upon a Transaction you authorize PeerMetals and/or its Payment Processors to automatically bill your Payment Method in accordance with the Fee Schedule.
    3. Getting Paid. PeerMetals and/or its Payment Processors, will use commercially reasonable efforts to issue payment to Seller to Seller's Payment Method within ten (10) days of the date of evidence of Buyer's receipt of the applicable Item(s). It is Seller's responsibility to ensure that all Payment Information provided is accurate for a proper transfer to Seller's selected Payment Method. PeerMetals may be unable to recover money transferred to an improper account based on the Payment Information by Sellers. In the event that the applicable Buyer disputes the applicable Transaction for any reason, PeerMetals may, at its sole discretion, take corrective action including without limitation, delay the distribution of payment, request the Item be sent to PeerMetals, request the Item be returned to the Seller, or issue a refund to the Buyer.
    4. Fulfillment. When a Transaction occurs, the applicable Seller must (i) ship the applicable Item in accordance with PeerMetals' shipping guidelines which is subject to change, and is available at all times on the PeerMetals Help Center or (ii) deliver the Item through Free Pickup Services, in each case, to the applicable Buyer. PeerMetals provides a pre-paid shipping label (directly or indirectly through its third-party service providers) that Sellers may use to ship an Item. Should, for any reason, the cost to ship an Item exceed the pre-paid label price, Seller shall be responsible for any additional payment necessary to ship the Item. Failure to abide by any shipping policies may, at the sole discretion of PeerMetals, result in penalties.
    5. Item Descriptions. Sellers are responsible for the accuracy of an Item's description. Sellers are required to ensure that the Item matches exactly the image that is displayed on the App, and that the described condition of the Item is a true and accurate. Any inaccuracy, whether it be the description, condition or authenticity of an Item, may, at the sole discretion of PeerMetals, result in penalties. PeerMetals has no obligation to return Items to Seller that do not conform to the Seller's description of such Items, and Seller is responsible for any fees associated with any return or disposal of the Item(s). PeerMetals may, in its sole discretion, turn any suspected counterfeit, unauthentic, stolen, unauthorized, b-grade, or similar Items over to the proper authorities, and Seller is responsible for any fees associated with this action.
    6. No Circumvention. You agree to receive payments from Buyers for Transaction only in the manner determined by us through the App. This includes using the Payment Processor we choose, and following any other rules we specify. You may not circumvent your payment obligations to us for Transactions by soliciting payment from a Buyer outside of our App. You agree to notify us immediately if you receive any such offer or solicitation to circumvent your payment processing obligations by contacting us at our support page.
    7. Appointment of PeerMetals as Limited Payment Collection Agent for Sellers. Each Seller hereby appoints PeerMetals as its limited payment collection agent solely for the purpose of facilitating payments from Buyers through PeerMetals' designated third-party payment processor. Payment received by PeerMetals or its payment processor from a Buyer on behalf of a Seller shall be considered the same as payment made directly to the Seller, and the Buyer's obligation to pay the Seller shall be deemed satisfied upon receipt of such payment. Sellers agree that PeerMetals' obligation to remit payment to the Seller is contingent upon successful receipt of funds from the Buyer, and PeerMetals has no obligation to settle payments to Sellers for transactions where the Buyer's payment fails, is subject to a chargeback, is reversed, or is otherwise disputed. If PeerMetals or its payment processor does not remit payment to the Seller due to such payment failures, the Seller's only recourse shall be against PeerMetals (not the Buyer) in accordance with these Terms. PeerMetals acts solely as a limited payment collection agent for Sellers and assumes no liability for any acts, omissions, or obligations of Sellers. This limited agency applies solely for purposes of collecting and processing payments and does not create a broader agency or partnership relationship between PeerMetals and Sellers.
    8. Seller Verification. To maintain a secure, trusted marketplace and to uphold the integrity of the PeerMetals community, all Sellers may be subject to identity verification and other screening measures prior to or during their use of the App. These verification procedures may include, but are not limited to:
       • Submission of government-issued identification documents
       • Proof of address or business registration documents
       • Tax identification numbers
       • Verification of payment methods
       • Additional documentation demonstrating lawful ownership of items offered for sale

       PeerMetals reserves the right to determine, in its sole discretion, the type and extent of verification required for Sellers based on transaction volume, item category, marketplace activity, or risk assessments. By applying to sell on the App, Sellers agree to comply fully with any verification requests and acknowledge that PeerMetals may limit, suspend, or terminate access to selling features if verification is not completed satisfactorily or if fraudulent or misleading information is provided. In some cases, Sellers may also be required to undergo periodic re-verification or provide additional documentation before certain privileges—such as early payouts, high-value listings, or advanced marketplace features—are enabled. Failure to comply with verification requests may result in restrictions on account usage, listing visibility, payment delays, or account suspension, at PeerMetals' sole discretion.

11. Buyer acknowledges that, notwithstanding the fact that PeerMetals is not a party to the agreement between Buyer and Sellers, PeerMetals acts as the Seller's payment collection agent for the limited purpose of accepting payments from you on behalf of the Seller. Upon making a payment to PeerMetals, Buyer's payment obligation to the Seller for such payment amount is extinguished, and PeerMetals is responsible for remitting the payment to the Seller. In the event that PeerMetals does not remit such payment to the Seller, the Seller will have recourse only against PeerMetals and not Buyer.

12. Refunds and Returns. PeerMetals may, in its discretion, allow and/or require Sellers to directly handle refund and return requests from Buyers through the functionality of the App. In such cases, Seller will bear the financial costs, fees and responsibilities of issuing refunds to Buyers, and PeerMetals is not responsible or liable to the applicable Buyers or any third party for any such refunds. When directly handling refund and return requests from Buyers through the functionality of the App, Seller shall at all times comply with the Return and Refund Policy, and will not conduct any activities in connection with handling returns and refunds that are fraudulent, false, misleading, abusive, or deceptive. For clarity, (i) PeerMetals is not responsible for, and has no duty to monitor, the actions and inactions of Sellers when Sellers are handling returns and refunds; and (ii) PeerMetals may at any time and in its discretion terminate or suspend Seller's direct access to Buyers in connection with handling Buyers' refund and return requests, including without limitation, at the request of the Buyers.

13. Consequences of Breach. PeerMetals may, in its sole discretion, impose consequences on Sellers who, in PeerMetals' sole discretion, violate these Terms, including but not limited to (i) charging an additional fee of 15% of the total Transaction amount, or $12.00 (USD) for Transaction less than $45.00 (USD), whichever is greater, plus applicable Taxes and additional amounts that may be necessary to reflect the use of coupons, promotional specials, or gift certificates, and amounts that reflect the cost of a replacement Item; (ii) removal of any or all Seller Items from the App; (iii) cancellation of any or all of Seller's pending Transactions; (iv) withholding of any payments due to Seller; (v) charging Seller, via the Payment Method or otherwise, for costs, expenses and fees incurred by PeerMetals as a result of Seller's action or inaction, including the cost of refunds or reimbursements issued to buyers for undelivered, misrepresented, or otherwise non-compliant Products or Orders, chargebacks or reversal of payment, the value of coupons and gift certificates provided to the Buyer, reprinting fees, rerouting charges imposed by carriers, and the costs of collecting from Seller; and (vii) temporary or permanent suspensions of Seller's Account. For clarity, PeerMetals may, in its sole discretion and without prior notice, impose the previously mentioned consequences on Sellers who, in PeerMetals' sole discretion, abuse or otherwise misuse the "Early Payout" program and corresponding features available through the App. Seller hereby authorizes PeerMetals to take any of the above actions as PeerMetals deems appropriate and refer any unpaid amount to collections.

14. Buyer Terms.
    1. Making a Purchase. When a Transaction occurs, the applicable Buyer must complete payment of the Transaction amount, including all additional fees and Taxes (including shipping fees), in accordance with Section 7 "Payment Terms". More information regarding fees and Taxes can be found in our Help Center.
    2. Receiving an Incorrect Item. If Buyer receives an incorrect Item pursuant to a Transaction, Buyer should contact the applicable Seller and/or contact us using our support page. PeerMetals may, in its sole discretion, require Buyer to return such incorrect Item to PeerMetals or Seller as applicable.
    3. Consequences of Breach. PeerMetals may, in its sole discretion, impose consequences on Buyers who, in PeerMetals' sole discretion, violate these Terms, including but not limited to (i) charging an additional fee in the amount of 15% of the total Transaction amount, or $12.00 USD for Transaction less than $45.00 USD, whichever is greater, plus applicable Taxes and additional amounts that may be necessary to reflect the use of coupons, promotional specials, or gift certificates, and amounts that reflect the cost of a replacement Item; (ii) removing of any or all Buyer's Items for sale on the App if such Buyer also acts as a Seller on the App; (iii) canceling of any or all of Buyer's pending Transactions (both as Buyer or Seller) on the App; (iv) withholding of any payments due to Buyer in its capacity as Buyer or Seller; (v) placing limits on Buyer's ability to buy and/or sell Items; (vi) charging to Buyer's Payment Method or subsequently provided means of payment for costs, expenses, and fees incurred by PeerMetals as a result of Buyer's failure to properly comply with these Terms and; (vii) temporarily or permanently suspending Buyer's Account.

15. User Content
    1. Posting Content. The App may allow you to upload, post or transmit (such as via a social posts) or otherwise make available content through the App including, without limitation, any text, photographs, User videos, sound recordings and the musical works embodied therein, including videos that incorporate locally stored sound recordings from your personal music library and ambient noise ("User Content"). PeerMetals does not claim any ownership rights in any User Content and nothing in these Terms will be deemed to restrict or assign any rights that you may have to your User Content.
    2. Permissions to Your User Content. By making any User Content available through the App you hereby grant to PeerMetals a non-exclusive, royalty-free, fully transferable, perpetual, irrevocable, worldwide license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and/or distribute and to authorize other Users and third-parties to view, access, use, download, modify, adapt, reproduce, make derivative works of, publish and/or transmit your User Content in any format and on any platform, either now known or hereinafter invented, in connection with marketing, operating, providing, and improving the App. You further grant us a royalty-free license and permission to use your name, image, voice, and likeness to identify you as the source of any of your User Content or otherwise in connection with our use of your User Content. PeerMetals has the right to use, on the App and in advertising and promotional materials, images (including photographic images) of Items being sold or that have been sold through the App. When you post on the App as a Seller, PeerMetals may record and store a copy of your User Content in accordance with applicable laws. By posting User Content to or through the App, you waive any rights to prior inspection or approval of any marketing or promotional materials related to such User Content. You also waive any and all rights of privacy, publicity, or any other rights of a similar nature in connection with your User Content, or any portion thereof. To the extent any moral or author's rights are not transferable or assignable, you hereby (i) unconditionally and irrevocably waive and agree never to assert any and all moral and author's rights, or to support, maintain or permit any action based on any moral rights that you may have in or with respect to any such User Content and (ii) unconditionally and irrevocably consent to any act or omission by or on behalf of PeerMetals which infringes or may infringe any of the moral rights you may have in relation to the User Content.
    3. Your Responsibility for User Content. You are solely responsible for all your User Content. You must comply with the standards described by our Community Guidelines. You represent and warrant that you have (and will have) all rights that are necessary to grant us the license rights in your User Content under these Terms. You represent and warrant that neither your User Content, nor your use and provision of your User Content to be made available through the App, nor any use of your User Content by PeerMetals on or through the App will infringe, misappropriate or violate a third party's intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

16. General Prohibitions and PeerMetals' Enforcement Right. You agree that you will not and will not encourage or enable another User or third party to:
    • Post, upload, publish, submit or transmit any User Content that: (i) infringes, misappropriates or violates a third party's patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (vii) promotes illegal or harmful activities or substances;
    • Sell stolen Items, Items taken without authorization, and otherwise illegally obtained Items on the App;
    • Use the App for any unlawful purpose or for the promotion of illegal activities;
    • Use the App to, or to attempt to, harass, abuse, or harm another person or group;
    • Provide others with access to or use of your Account, unless you have granted them permission to do so and their access to or use of your Account or the App does not violate these Terms, or use the Account or any other User's Account without permission;
    • Access or use the Account of any other User, unless that User has granted you permission to do so and your access to or use of their Account or the App does not violate these Terms;
    • Provide false or inaccurate information in the App or in your Account including making any false representations with respect to Items and whether you are using the App for personal, family or household purposes, or for business purposes;
    • Impersonate or misrepresent your affiliation with any person or entity;
    • Use the App for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise;
    • Make any automated use of the App, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on the App;
    • Use any manual process to monitor or copy any of the material on the App or for any other unauthorized purpose without our prior written consent;
    • Except as expressly provided herein, copy, adapt, modify, create derivative works of, distribute, sell, sublicense, rent or lease any part of the App or materials we provide as part of the App;
    • Attempt to decipher, decompile, disassemble, extract or reverse engineer any source code of or any software used to provide the App, unless applicable laws prohibit these restrictions, or you have our written permission to do so;
    • Use any software, technology, or device to scrape, spider, or crawl the App or harvest or manipulate data;
    • Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful, or otherwise engage in activities designed to adversely affect the performance of the App;
    • Bypass any measures we take to restrict access to the App;
    • Use the App to solicit sales outside of the App or to send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;
    • Violate any law, statute, ordinance, by-law, regulation, or sanctions program, including but not limited to the U.S. Department of Treasury's Office of Foreign Assets Control ("OFAC") and any similar laws in any other jurisdiction;
    • Fabricate in any way any Transaction or process related thereto;
    • Place fraudulent or misleading bids or offers;
    • Disguise or interfere in any way with the IP address of the computer you are using to access or use the App or that otherwise prevents us from correctly identifying the IP address of the computer you are using to access the App;
    • Use the App for benchmarking or competitive analysis with respect to competitive or related products or services, or to develop, commercialize, license or sell any product, service or technology that could, directly or indirectly, compete with the App; or
    • Transmit, exchange, or otherwise support the direct or indirect proceeds of unlawful or fraudulent activity (including but not limited to money laundering, terrorist financing).

    PeerMetals is not obligated to monitor access to or use of the App or to review or edit any content. However, we have the right to do so for the purpose of operating the App, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right, but are not obligated, to remove or disable access to any content, including User Content (as defined below), at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the App. We may also consult and cooperate with law enforcement authorities to prosecute Users who violate the law and have the right to comply with court orders requesting or directing us to disclose the identity or other information of Users. If you become aware of misuse of our App, please contact us using our support page.

17. User Legal Compliance and Interactions and Disputes with Other Users.
    1. Legal Compliance. Users must comply with all applicable laws when using the App, which may include licensing, business registration and other similar requirements and obligations. It is solely the responsibility of each User, and not of PeerMetals, to determine which laws are applicable to them and ensure that they are in compliance with such laws and that they have all necessary rights and licenses to use the App, including buying and selling Items. You acknowledge and agree that the use, listing, auctioning, purchase, distribution, promotion, advertising, and sale of certain Items are subject to federal, provincial or state, and local regulations, including, but not limited to, precious metals, bullion products, coins and currency. You expressly represent that you shall comply with all applicable federal, provincial or state, and local laws, statutes, ordinances, by-laws, and regulations relating to your use, listing, auctioning, purchase, and distribution, promotion, advertising, and sale of any Items through the App. While PeerMetals requires its Users to comply with applicable law, PeerMetals is not obligated to verify or ensure such compliance and we do not guarantee that (i) the App complies with applicable laws; (ii) Users will be in compliance with applicable laws while using the App; or (iii) Transactions will comply with applicable laws.
    2. Interactions and Disputes with Other Users. While PeerMetals requires its Users to comply with applicable law and provide correct and accurate information about themselves that are not misleading, PeerMetals is not obligated to verify any such information or conduct background checks. You agree to use caution in all interactions with other Users in the App, whether on the App, outside of the App, or in person, such as not sharing your financial information or sending money directly to other Users, protecting your personal information, and reporting all suspicious or inappropriate behavior or any other concerns through the User reporting tool in the App and/or by contacting us using our support page. Any dispute that arises between you and another User (each, a "User Dispute") is to be resolved by you and such User.
    3. EXCEPT WHERE PROHIBITED BY APPLICABLE LAW, WE HEREBY DISCLAIM ALL LIABILITY FOR AND YOU HEREBY REMISE, RELEASE AND FOREVER DISCHARGE PEERMETALS AND PEERMETALS REPRESENTATIVES OF AND FROM ANY AND ALL DIRECT OR INDIRECT LOSS, DAMAGE, HARM, INJURY, OR CLAIMS ARISING FROM, IN CONNECTION WITH OR RELATING TO: (i) VIOLATION OF APPLICABLE LAW BY USERS; (ii) INTERACTION WITH OR COMMUNICATION WITH ANOTHER USER WHETHER ON THE APP, OUTSIDE OF THE APP, OR IN PERSON; AND (iii) ANY USER DISPUTE.

18. Third-Party Websites or Resources. The App may allow you to access third-party websites or other resources. We provide access only as a convenience and are not responsible for the content, products or services on or available from those resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from, your use of any third-party resources.

19. Termination. We may suspend or terminate your access to and use of the App, including suspending access to or terminating your Account, at our sole discretion, at any time and without notice to you. You may delete your Account at any time by contacting us. Upon any termination, discontinuation or cancellation of the App or your Account, the following Sections will survive: 1, 7, (only for payments due and owing to PeerMetals prior to the termination), 13, 14, 16, 18, 19, 20, 21, 22, 25.

20. DMCA/Copyright Policy.

    PeerMetals respects the intellectual property rights of others and expects its Users to do the same. It is PeerMetals' policy, in appropriate circumstances and at its discretion, to terminate the Accounts of Users who repeatedly infringe the copyrights of others. In accordance with the Digital Millennium Copyright Act of 1998, the text of which may be found on the U.S. Copyright Office website at http://www.copyright.gov/legislation/dmca.pdf, PeerMetals will respond expeditiously to claims of copyright infringement committed using the App that are reported to PeerMetals' Designated Copyright Agent, identified in the sample notice below. If you are a copyright owner, or are authorized to act on behalf of one, or authorized to act under any exclusive right under copyright, please report alleged copyright infringements taking place on or through the App by completing the following DMCA Notice of Alleged Infringement and delivering it to PeerMetals' Designated Copyright Agent. Upon receipt of the Notice as described below, PeerMetals will take whatever action, in its sole discretion, it deems appropriate, including removal of the challenged material from the App.

    DMCA Notice of Alleged Infringement ("Notice")

    1. Identify the copyrighted work that you claim has been infringed, or - if multiple copyrighted works are covered by this Notice - you may provide a representative list of the copyrighted works that you claim have been infringed.
    2. Identify the material that you claim is infringing (or to be the subject of infringing activity) and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material, including at a minimum, if applicable, the URL of the link shown on the App where such material may be found.
    3. Provide your mailing address, telephone number, and, if available, email address.
    4. Include both of the following statements in the body of the Notice:
       • "I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use)."
       • "I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed."
    5. Provide your full legal name and your electronic or physical signature.

    Deliver this Notice, with all items completed, to PeerMetals' Designated Copyright Agent:

    Copyright Agent c/o PeerMetals, LLC
    1603 Capitol Avenue
    Ste 415 PMB 174204
    Cheyenne, Wyoming 82201
    (307) 317-8427
    contact@peermetals.com

21. Warranty Disclaimers
    1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APP AND ANY OTHER PRODUCT OR SERVICES PROVIDED BY PEERMETALS, AND ANY CONTENT OR INFORMATION THEREIN, INCLUDING USER CONTENT, ITEM VERIFICATION, HISTORICAL SALES DATA, AND ESTIMATED VALUE, OR ANY OTHER PRODUCT OR SERVICE PROVIDED BY PEERMETALS IS PROVIDED "AS IS," WITHOUT WARRANTY OR CONDITION OF ANY KIND. EXCEPT FOR ANY SPECIFIC WARRANTIES OR CONDITIONS EXPRESSLY PROVIDED IN THESE TERMS OR AS OTHERWISE REQUIRED OR PERMITTED BY LAW (INCLUDING ANY APPLICABLE CONSUMER LAWS), TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE EXPLICITLY DISCLAIM ANY EXPRESS AND IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SECURITY, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE MAKE NO WARRANTY THAT THE APP WILL MEET YOUR REQUIREMENTS, THE APP WILL BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS, OR YOUR USER CONTENT, COMMUNICATIONS, PERSONALIZED SETTINGS OR OTHER DATA WILL BE SECURE OR NOT LOST OR ALTERED. TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS OR RELIABILITY OF ANY INFORMATION OR CONTENT ON THE APP, INCLUDING USER CONTENT, ITEM VERIFICATION, HISTORICAL SALES DATA, AND ESTIMATED VALUE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF OR INABILITY TO USE THE APP, AND ANY CONTENT OR INFORMATION THEREIN, INCLUDING USER CONTENT, ITEM VERIFICATION, HISTORICAL SALES DATA, AND ESTIMATED VALUE, AND YOUR DEALING WITH ANY OTHER USER OF THE APP.
    2. PEERMETALS IS NOT RESPONSIBLE FOR THE ACCURACY OF ANY PAYMENT INSTRUMENT INFORMATION, INCLUDING, BUT NOT LIMITED TO, WHETHER SUCH INFORMATION IS UP-TO-DATE. PEERMETALS HAS NO DUTY OR RESPONSIBILITY TO ENSURE THAT A USER HAS PROVIDED A VALID AND PROPER PAYMENT METHOD TO CONDUCT A TRANSACTION, OR TO DETERMINE IF A USER'S PAYMENT INSTRUMENT IS IN GOOD STANDING AND SUFFICIENT TO CONDUCT A TRANSACTION. USERS UNDERSTAND THAT THEY MAY INCUR FEES AND/OR CHARGES AS A RESULT OF PEERMETALS TRANSACTIONS UNDER THE TERMS OF AGREEMENTS WITH PAYMENT INSTRUMENT ISSUERS, OR PEERMETALS MAY BE UNABLE TO FACILITATE SOME TRANSACTIONS.
    3. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTIES OR CONDITIONS AND IN SUCH CASES THE DISCLAIMERS CONTAINED HEREIN MAY NOT APPLY TO YOU.
    4. By using the App, you acknowledge and agree that the buying, selling, and holding of precious metals, numismatic coins, and related items carries inherent risks. The value of these items may fluctuate significantly based on a variety of factors, including but not limited to market demand, supply conditions, global economic trends, geopolitical events, government regulations, and shifts in investor sentiment. PeerMetals does not provide investment advice, nor does it guarantee or warrant the future value, marketability, or liquidity of any item listed on the App. You are solely responsible for conducting your own research and due diligence before making any purchasing, selling, or trading decisions through the App. Users are encouraged to consult independent financial, legal, or tax advisors before making any investment-related decisions. You further acknowledge and agree that:
       • You assume full responsibility for all risks associated with transactions involving precious metals or numismatic items.
       • Any purchase or sale you make on the App is done at your own risk, and PeerMetals makes no representations regarding the potential for financial gain or loss.
       • PeerMetals is not liable for any financial losses or damages incurred as a result of market volatility, price fluctuations, or changes in demand for precious metals or numismatic items.

22. Limitation of Liability.
    1. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PEERMETALS BE LIABLE TO YOU FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, LOSS OF PROFIT, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF DATA, OR PUNITIVE DAMAGES, HOWEVER ARISING, AND WHETHER OR NOT PEERMETALS WAS ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
    2. TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, PEERMETALS' AGGREGATE LIABILITY TO YOU FOR DAMAGES FROM ALL CAUSES WHATSOEVER, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT (EVEN IF A FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, WILL BE LIMITED TO THE TOTAL FEES PAID BY YOU TO PEERMETALS IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT THAT GAVE RISE TO SUCH LIABILITY; PROVIDED THAT IF YOU HAVE PAID NO SUCH AMOUNTS, PEERMETALS' MAXIMUM LIABILITY TO YOU SHALL BE $100.00 USD, AND WHETHER OR NOT PEERMETALS WAS ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
    3. AS STATED THROUGHOUT, EXCEPT WHERE PROHIBITED BY APPLICABLE LAW, PEERMETALS SHALL NOT BE LIABLE, AND SHALL BEAR NO LIABILITY, IN CONNECTION WITH ANY TRANSACTION. EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, PEERMETALS DOES NOT BUY OR SELL ITEMS AND IS NOT A PARTY TO THE AGREEMENT OF PURCHASE AND SALE OF ITEMS BETWEEN BUYERS AND SELLERS. ANY TRANSACTION IN WHICH A PEERMETALS REPRESENTATIVE IS ACTING AS A USER OF THE APP SHALL BE CONSTRUED AS A USER-TO-USER TRANSACTION AND NOT AS A TRANSACTION INVOLVING PEERMETALS. ANY DAMAGES OR LIABILITIES THAT ARISE FROM OR IN CONNECTION WITH A TRANSACTION WILL BE YOUR SOLE RESPONSIBILITY.
    4. PEERMETALS SHALL HAVE NO LIABILITY FOR SUSPENDING OR TERMINATING YOUR ACCOUNT, RESTRICTING ACCESS TO YOUR ACCOUNT OR BALANCES IN YOUR ACCOUNT, OR SUSPENDING OR TERMINATING YOUR ACCESS TO THE APP.
    5. PEERMETALS SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT PURCHASES OR SALES, THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF PAYMENT TRANSACTIONS, BANK DIRECT DEPOSIT TRANSFERS, OR THE APP.
    6. YOU AGREE THAT ANY CAUSE OF ACTION RELATED TO OR ARISING OUT OF YOUR USE OF THE APP MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
    7. THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN PEERMETALS AND YOU AND WILL APPLY EVEN IF THE REMEDIES AVAILABLE HEREUNDER ARE FOUND TO FAIL THEIR ESSENTIAL PURPOSE.
    8. SOME OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES AND IN SUCH CASES SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS CONTAINED HEREIN MAY NOT APPLY TO YOU.

23. Indemnification. You agree to defend, indemnify and hold harmless PeerMetals and its affiliates (including its and their respective officers, directors, shareholders, employees, contractors and agents) from and against any and all liabilities, costs, expenses, direct or indirect losses, or other amounts (including reasonable legal fees) incurred by PeerMetals that arise from any claim, demand, or cause of action relating to (a) your access or use of the App, including with respect to any Transaction in which you are involved, (b) your disputes with other Users of the App or other third parties, (c) any other User's actions or omissions, as they relate to you, (d) your breach of these Terms of Other Policies, (e) your violation of any law, (f) your User Content, or (g) your violation of any other User's or third party's rights.

24. Arbitration Agreement.
    1. Except where prohibited by applicable law, you agree that any dispute, claim, or controversy arising out of or relating to these Terms, or your use of the PeerMetals platform, services, or app (collectively, "Disputes"), shall be resolved exclusively through final and binding individual arbitration, and not in court, to the maximum extent permitted by law. This means that both you and PeerMetals waive the right to a trial by jury and agree not to participate in any class action, class arbitration, or representative proceeding. Arbitration shall be conducted solely on an individual basis, and not as a class or collective action.
    2. You may decline this Arbitration Agreement by notifying PeerMetals in writing within thirty (30) days of the date you first accepted these Terms. To opt out, you must submit a request through our support page stating your full name and a clear request to opt out of this Arbitration Agreement. If you do not opt out within this period, you will be bound by this Arbitration Agreement.
    3. By agreeing to arbitration under this Agreement, both you and PeerMetals agree that the arbitrator, not any federal, state, provincial, or local court or agency, shall have the exclusive authority to resolve all Disputes, including any questions regarding the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, and all procedural and substantive issues arising from a Dispute.
    4. All arbitration shall be conducted by a neutral arbitrator in accordance with the Consumer Arbitration Rules ("Rules") of the American Arbitration Association ("AAA"). Payment of all filing, administration, and arbitrator fees shall be governed by the AAA Rules, except as modified by this Agreement. In any arbitration under or relating to these Terms, the arbitrator shall have the authority to determine which party, if any, is the prevailing party and may award reasonable attorneys' fees and costs to the prevailing party as allowed by applicable law and the circumstances of the case. However, PeerMetals will pay the arbitration fees and costs to the extent required by applicable law or if those fees would exceed what you would incur in a court proceeding. Subject to this, each party shall bear its own costs and attorney's fees.
    5. Unless either party requests an oral hearing, arbitration will be conducted based on written submissions only. To initiate arbitration, a party must submit a Demand for Arbitration to the AAA and provide notice to the other party as specified in the AAA Rules. The AAA's forms, rules, and filing instructions are available at www.adr.org or by calling 1-800-778-7879.
    6. YOU AND PEERMETALS AGREE: (I) 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 OR REPRESENTATIVE PROCEEDING AND (II) IF THE PARTIES' DISPUTE IS RESOLVED THROUGH ARBITRATION, THE ARBITRATOR MAY NOT CONSOLIDATE ANOTHER PERSON'S CLAIMS WITH YOUR CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING ("CLASS ACTION WAIVER"). If this specific Class Action Waiver is found to be unenforceable, then the entirety of this Section 21 "Arbitration Agreement" shall be null and void.
    7. Notwithstanding anything to the contrary in this Section, either party may seek relief in a court of competent jurisdiction for claims relating to infringement, misappropriation, or unlawful use of intellectual property rights; or requests for public injunctive relief (i.e., relief intended to prevent unlawful acts that threaten future injury to the general public), which must be litigated in court under applicable law. However, all other claims and requests for relief remain subject to mandatory arbitration, and any court proceedings related to public injunctive relief shall be stayed until arbitration of all other issues is completed.
    8. With the exception of any of the provisions in Section 21(f) of these Terms, if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.

25. Governing Law and Jurisdiction. Unless otherwise prohibited by applicable law, these Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of Wyoming, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 21 "Arbitration Agreement," the exclusive jurisdiction for all Disputes (defined below) that you and PeerMetals are not required to arbitrate will be the state and federal courts located in Laramie County, Wyoming, and you and PeerMetals each waive any objection to jurisdiction and venue in such courts

26. SMS Messages
    • General Terms and Conditions. By providing your mobile phone number, you consent to receive SMS messages from PeerMetals related to order updates, account notifications, transactional or service-related updates, and support or outreach responses or requests from our team. Message frequency may vary. Standard message and data rates may apply depending on your carrier. You may opt out of receiving SMS messages at any time by replying with "STOP" to any automated message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages. For assistance with this messaging program, reply with the keyword "HELP," or contact support directly at support@peermetals.com Your phone number will be handled in accordance with our privacy policy. We do not share SMS opt-in consent with any third parties for solicitation purposes.
27. PeerMetals 2FA SMS Verification
    • During 2FA SMS verification, you will receive one-time passcodes (OTP) via SMS to verify your identity during login and account-related security processes. You can cancel the SMS service at any time. Just text "STOP" to the short code. After you text "STOP," we will send you a confirmation message, after which you will no longer receive SMS messages from us. If you'd like to rejoin, simply opt in again, and messaging will resume.
    • Participating carriers include AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, and Clearsky. Carriers are not liable for delayed or undelivered messages. Message and data rates may apply. Message frequency may vary. For questions about your text or data plan, please contact your wireless provider.
    • For privacy-related questions, please review our privacy policy.

28. PeerMetals Promotions Guidelines.

    If you choose to run or communicate a sweepstakes, contest, or giveaway (each, a "Promotion") on or using the App, you (and not PeerMetals) are solely responsible for compliance with all applicable laws, rules, and regulations governing your Promotions and all prizes offered, including requirements relating to offer terms and eligibility requirements (e.g. age and residency restrictions); the official rules; marketing; registration and any required regulatory approvals; and compliance with all tax laws and regulations. Your Promotion must be operated in a lawful manner at all times. PeerMetals will not assist you in the administration of your Promotion, and you agree that you do so at your own risk. You must comply with the following when running a Promotion using the App:

    1. You must post a set of "Official Rules" for your Promotion that includes all disclosures required by all applicable laws, rules and regulations, including: [detailed rules requirements as provided in the original text]
    2. Each time you solicit entry to or advertise the Promotion, you must provide a hyperlink to the Official Rules.
    3. If you offer purchase as a method of entering your Promotion and use chance to select a winner of your Promotion, you must also offer a free alternative method of entry ("AMOE"), such as email or mailing in a 3x5 card, to avoid violating the criminal lottery laws.
    4. You must administer your Promotion, including the award of all prizes, as outlined in your Help Center.
    5. You must not require participation in any unlawful activity or infringement upon any third-party rights or in connection with or as part of your Promotion.

    PeerMetals is not obligated to, but reserves the right to remove or take down any of your Promotions if we, at our sole discretion, consider them in violation of these Terms, with or without advance notice to you.

29. General Terms.
    1. Reservation of Rights. PeerMetals and its licensors exclusively own all right, title and interest in and to the App, including all associated intellectual property rights. You acknowledge that the App is protected by copyright, trademark, and other laws. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the App.
    2. Feedback. We welcome feedback, comments and suggestions for improvements to the App ("Feedback"). If you provide us with any Feedback, you grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.
    3. Entire Agreement. These Terms (including the Privacy Policy and Other Policies) constitute the entire and exclusive understanding and agreement between PeerMetals and you regarding the App, and these Terms supersede and replace all prior oral or written understandings or agreements between PeerMetals and you regarding the App. Except where provided by applicable law in your jurisdiction, you may not assign or transfer these Terms, by operation of law or otherwise, without PeerMetals' prior written consent. Any attempt by you to assign or transfer these Terms absent our consent or your statutory right, without such consent, will be null and void. PeerMetals may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
    4. Notices. Any notices or other communications provided by PeerMetals under these Terms will be given: (i) via email; or (ii) by posting to the App. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.
    5. Waiver of Rights. PeerMetals' failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of PeerMetals. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
    6. Force Majeure. Except where prohibited by applicable law, PeerMetals shall have no liability for delays or failure to meet responsibilities from any condition or event that is beyond its reasonable control, including but not limited to governmental action, acts of terrorism, acts of nature including earthquakes, fire, flood, or other acts of God; or labor conditions.
    7. You Consent to Receive Electronic Communications. For contractual purposes, you (i) consent to receive communications from PeerMetals in an electronic form via the email address you have submitted; and (ii) agree that all Terms, agreements, notices, disclosures, and other communications that PeerMetals provides to you electronically satisfy any legal requirement that such communication would satisfy if it were in writing. The foregoing does not affect your non-waivable rights. We may also use your email address, to send you other messages, consistent with and as described in more detail in our Privacy Policy located at www.peermetals.com/privacy. You may opt out of such email by changing your Account settings or sending notice of opt out to contact@peermetals.com.
    8. Reserved Right to Introduce or Remove Features. PeerMetals reserves the right, at its sole discretion, to introduce new services, features, fees, or adjust existing services and fee structures to improve the platform or respond to business, regulatory, or market changes. Such changes may include, but are not limited to:
       • New tools or services for Buyers or Sellers;
       • Changes to transaction fees, subscription plans, or other charges;
       • Modifications to seller verification requirements or eligibility criteria;
       • Adjustments to policies governing use of the App, community engagement, or transaction processes.

       Where required by law or at PeerMetals' discretion, Users will be provided with advance notice of material changes to fees or terms via email, in-app notifications, or updates on the App. Unless otherwise stated, all changes will take effect immediately upon posting or on the date specified in the notice. Your continued use of the App following the effective date of such changes constitutes your acceptance of those changes. If you do not agree to the changes, your sole remedy is to stop using the App and, where applicable, close your account. PeerMetals may also introduce or remove platform incentives, rewards, loyalty programs, or promotional campaigns at its sole discretion.

    9. Anti-Money Laundering and Compliance Obligations. PeerMetals is committed to maintaining a secure, transparent, and legally compliant platform. As part of this commitment, PeerMetals has implemented an Anti-Money Laundering and Counter-Terrorist Financing Policy ("AML Policy") applicable to all Users. This policy outlines our procedures for detecting, preventing, and reporting potential money laundering, terrorist financing, and other illicit activities.

       By using the App, you expressly agree to comply with our AML Policy, including but not limited to:

       • Providing requested identity verification, business documentation, or other supporting records.
       • Cooperating with any account reviews, transaction monitoring, or investigations related to compliance.
       • Acknowledging that your transactions may be monitored, delayed, suspended, or reported in accordance with applicable laws and the AML Policy.

       Our AML Policy is available at https://www.peermetals.com/aml-policy, and its terms are hereby incorporated by reference into these Terms. PeerMetals reserves the right to update or amend its AML Policy from time to time, and continued use of the App constitutes your acceptance of any such updates. Failure to comply with the AML Policy may result in account restrictions, payment delays, suspension, termination, or legal action, at PeerMetals' sole discretion.

30. Contact. Except where other contact info is specified for a given purpose herein, you may contact about these Terms at:

    F.A.O Legal
    PeerMetals, LLC
    1603 Capitol Avenue
    Ste 415 PMB 174204
    Cheyenne, Wyoming, 82001