Legal
Return and Refund Policy
Last updated: September 8, 2026
Thank you for shopping with Vault Bullion & Coin (“Company,” “we,” “our,” or “us”). This Return and Refund Policy outlines the terms under which orders may be cancelled and refunds issued when purchasing from our website www.vaultbullionandcoin.com (the “Site”).
This policy separates two situations that are often confused: changing your mind (Section 1), and our mistake or the carrier’s (Section 4). The second is always put right, whatever Section 1 says.
1. All Sales Are Final
Precious metals are priced against a market that moves continuously. Because the price you pay is locked to the market at the moment your order is confirmed, we do not accept returns or exchanges. Please review your order carefully before completing checkout.
This does not affect Section 4, and it does not affect your rights where an item is not what we described.
2. Cancellations and Market Loss
When you receive an order confirmation you have entered into a binding purchase agreement at the confirmed price, and we commit to that price on our side at the same moment. An order held for our review is not binding until we release it — see Section 4 of our Ordering and Payment Policy.
If you cancel a confirmed order, and the market price of the metal has fallen between confirmation and cancellation, you are responsible for the difference. This is called market loss, and it is standard practice in the precious metals industry.
Market loss is calculated as the price you contracted at, less the prevailing spot price at the time of cancellation, where that difference is against us. If the market has moved in our favour, no market loss is charged — we do not profit from a cancellation.
Any amounts already paid are applied against market loss owed, and the balance is refunded to you.
3. Refunds
Where a refund is due, we will notify you of its approval and process it to your original method of payment. Please allow 5–10 business days for the refund to appear in your account.
Shipping charges are not refunded except where the return is our error. Refunds on ACH or paper check payments are issued once the original payment has settled.
If you have not received an approved refund after that period: check your bank account again, contact your credit card company, and contact your bank.
If you still have not received your refund, please contact us at vaultbullionandcoin@gmail.com.
4. Damaged, Wrong, or Undelivered Orders — Always Covered
If an order arrives damaged, is not what you ordered, or does not arrive at all, tell us at vaultbullionandcoin@gmail.com within five (5) days of delivery — or, for an order that has not arrived, within five (5) days of the last estimated delivery date shown in tracking — with photographs where there is visible damage.
We will replace the item or refund you in full, at no cost to you, and we handle the carrier claim ourselves. This applies whether or not we accept returns for change of mind. This does not apply where an order was delivered to an incorrect address provided at checkout.
Please retain all packaging materials and the item as received until the claim is resolved.
5. Contact Us
If you have any questions about this Return and Refund Policy, please contact us:
Company Name: VAULT BULLION AND COIN LLC
Email: vaultbullionandcoin@gmail.com
Phone: (219) 508-6876
Address: 2600 Beech Street, Valparaiso, IN 46383
By making a purchase on our Site, you agree to this Return and Refund Policy.