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Bayshore Bullion Exchange
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Legal · Policy

Terms of Service.

Effective May 30, 2026

Bayshore Bullion Exchange is a precious-metals dealer, not a financial advisor. Nothing on this site is investment, tax, or legal advice. Consult a licensed professional for guidance specific to you.

Pricing & spot lock

  • ·All bullion prices on this site are pegged to live spot. Prices fluctuate continuously and the price shown in your cart may differ from the price at the moment you submit an order.
  • ·Your order price is locked at the spot snapshot captured server-side when you click "Place Order." That snapshot is binding for both parties unless the order is voided per the cancellation terms below.
  • ·Online quotes for sell-to-us, buyback, and counter transactions are estimates only. Final pricing is set at the counter after weight and assay are confirmed.

No investment advice

  • ·Bayshore Bullion Exchange is a precious-metals dealer, not a financial advisor, broker, or fiduciary. Nothing on this site, in our emails, or said over the phone constitutes investment, tax, or legal advice.
  • ·You are solely responsible for your own investment decisions. Spot prices move continuously and historical performance does not predict future results. Consult a licensed professional for advice tailored to your situation.

Orders & payment

  • ·Orders are subject to inventory availability. If an item becomes unavailable after submission we will contact you to substitute, refund, or hold the order.
  • ·Payment must clear before product ships or is released for pickup. Wire transfer, business check, and Zelle hold the order at the locked spot until funds settle (typically 1–3 business days).
  • ·We reserve the right to refuse any transaction.

Order cancellation & market-loss fee

  • ·Once an order is submitted, the spot snapshot is binding. If you cancel an unpaid or partially-paid order, you are responsible for any market loss between the locked spot and the current spot at cancellation, per industry-standard practice across major US bullion dealers.
  • ·Market loss is calculated as (locked spot − current spot) × ounces, on the affected metal. If the market has moved in our favor, no market gain is owed to the customer.
  • ·A flat $50 cancellation administration fee applies in addition to any market-loss reconciliation.

Buyback & sell-to-us transactions

  • ·All buyback quotes are time-of-quote only and expire when the customer leaves the counter unless settled.
  • ·Larger lots requiring assay or smelting are settled after laboratory results are finalized. Counter-offers are based on assayed fine weight, not gross weight.
  • ·Government-issued ID is required for any buyback transaction subject to state precious-metals reporting law.

IRS 1099-B reporting

  • ·Federal law requires dealers to file Form 1099-B on certain customer sales of bullion. Reportable thresholds include 25+ troy ounces of gold bars or rounds (.995+ fine) and 1,000+ troy ounces of silver bars or rounds (.999+ fine) in a single transaction or related series.
  • ·Sales of American Gold Eagles, American Silver Eagles, and American Platinum Eagles do not trigger a 1099-B regardless of quantity. Sales of fractional gold coins and most foreign sovereigns also fall outside the reportable list.
  • ·This summary is provided for awareness; consult your tax advisor for guidance on your specific situation. Reporting obligations apply to the dealer; tax liability is a separate matter that belongs to the seller.

New Jersey sales tax

  • ·Under New Jersey law (N.J.S.A. 54:32B-8.65), sales of investment-grade precious-metals bullion are exempt from state sales tax when the sale price exceeds $1,000 in a single transaction. Because our order minimum is $1,000, all investment-grade bullion sold through this site qualifies for the exemption and is sold tax-free.
  • ·Numismatic, collectible, or non-investment-grade items, if offered, may be taxable regardless of order size; any applicable tax will be shown at checkout.

Shipping & risk of loss

  • ·See our Shipping Policy for carrier, insurance, and timing details.
  • ·Risk of loss transfers to the buyer upon carrier acceptance. All shipments are fully insured by our policy; claims are filed by Bayshore on the customer’s behalf.

Returns

  • ·All sales are final. We do not issue refunds because bullion is tied to a volatile spot market and inventory turns within hours. Two narrow replacement-only exceptions apply — wrong item shipped or item damaged in transit — when reported within 48 hours of delivery. See our Returns Policy for the full claim procedure. Sealed or third-party graded coins (PCGS, NGC, ANACS) must remain in original sealed holders to be eligible for any replacement.

Intellectual property & DMCA

  • ·All site content — copy, photographs, layouts, and branding — is the property of Bayshore Bullion Exchange or its licensors. You may not reproduce, redistribute, or scrape this content without written permission.
  • ·DMCA notices of alleged copyright infringement may be sent to andrew@bayshorebullionexchange.com with the subject line "DMCA Notice." Include the work claimed to be infringed, the infringing URL, your contact information, and a good-faith statement under penalty of perjury per 17 U.S.C. § 512(c)(3).

Accessibility

  • ·We target WCAG 2.1 Level AA conformance. If you encounter a barrier, see our Accessibility Statement or email andrew@bayshorebullionexchange.com.

Limitation of liability

  • ·Bayshore Bullion Exchange is not liable for indirect, consequential, or incidental losses including but not limited to lost profits arising from spot movement after order placement.
  • ·Our maximum aggregate liability for any claim arising out of or related to a transaction is limited to the dollar amount paid for the affected transaction.
  • ·Nothing in these terms limits liability for fraud, willful misconduct, or any liability that cannot be excluded under applicable law.

Governing law & venue

  • ·These terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. Any dispute will be resolved exclusively in the state or federal courts located in Monmouth County, New Jersey, and both parties consent to personal jurisdiction there.

Questions about these terms? Email andrew@bayshorebullionexchange.com.

Effective · May 30, 2026