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Terms and Conditions
GovMint.com, is a Delaware limited liability ("Company"). These Terms and Conditions (this "Agreement" or "Terms and Conditions") state the terms and conditions of (a) your access and use of the Company Website (the "Website" or "Site"); (b) your communications and transactions with the Company; and (c) the Company's communications to you. As used herein, "Company" includes GovMint.com and its affiliates, subsidiaries, parents, officers, directors, agents and employees.
THIS IS A CONTRACT BETWEEN YOU AND THE COMPANY; PLEASE REVIEW CAREFULLY. If you object to anything in this Agreement, or any other Policy referred to and incorporated into this Agreement, you should immediately discontinue all use of the Website; and you should not keep an account or profile with the Company, purchase products from or sell products to the Company; nor should you otherwise communicate with the Company. You should also notify Customer Service of your intent to not receive communications from the Company, by calling 1-800-721-0320, or emailing email@example.com.
Your Interaction With Company (as defined below) after notice of this Agreement constitutes your acceptance to the terms contained herein.
ACCEPTANCE OF TERMS AND CONDITIONS
- Modification. This Agreement, any other policies referenced herein with a hyperlink may be modified by Company at its sole discretion from time to time, such modifications to be effective upon posting on the Website by Company. Notification of changes will be made by the Company in at least the following manners: (i) by posting a statement on the Website homepage, via email if you have provided Company with an email address, via U.S. Mail if you purchased a product from Company within eighteen (18) months of the effective date of the revised policy and did not provide the Company with an email address, and via inbound telephone recording. Your Interaction With Company after such posting and notice to you, constitutes your acceptance to such changes. Please consult this Agreement and the referenced policies regularly.
DISPUTES; ARBITRATION AGREEMENT.
THIS AGREEMENT CONTAINS A BINDING AND ENFORCEABLE ARBITRATION CLAUSE, CLASS ACTION WAIVER, STATUTE OF LIMITATIONS, AND EXCLUSIVE VENUE PROVISION.
You and Company agree that any legal claim or demand that either party may have (a) arising out of or relating to this Agreement (including the enforceability or applicability of the Agreement), or (b) with respect to any transaction, interaction or communications with Company, is barred if not commenced within one (1) year from the date written on the face of the invoice, or if not pertaining to a transaction with the Company, the first date upon which the legal claim could have been made.
You and Company further agree that the exclusive venue for any legal claims or demands that you or Company may have against the other party shall be in an arbitration proceeding filed with the American Arbitration Association office in Minneapolis, Minnesota.
By using this Website, setting up a profile or account with the Company, signing up to receive newsletters or other advertising or promotional materials from the Company or its affiliates, purchasing goods from Company, purchasing a product using Split Pay, or accepting the terms of this Agreement in any fashion, you agree that all controversies between you and Company which may arise from or relate to, directly or indirectly, any transaction or other communications or dealings between you and Company, regardless of the cause or claim asserted, shall be determined by arbitration. This arbitration provision shall apply to any controversy or claim or issue in any controversy arising from events which occur prior to, on or subsequent to the execution of this arbitration agreement.
Disputes shall be governed by Minnesota law, excluding choice of law rules, and the AAA Arbitration Rules. The Arbitrator shall have exclusive authority to resolve any dispute relating to the enforceability of this Agreement including, but not limited to, the determination of the scope, applicability, or enforceability of this agreement to arbitrate and any claim that all or any part of this Agreement is void or voidable.
You agree that any legal claim or demand that you may have against Company will be brought in your individual capacity only, and that you will not bring a claim, nor participate in a claim, as a class member in any purported class or representative proceeding.
All arbitration proceedings, including but not limited to any testimony, documents or evidence produced and the outcome of the arbitration shall be kept strictly confidential. The arbitrator's ruling will be final and binding on all parties.
In the event a court determines that any term or provision of this Arbitration Provision is unenforceable, you and Company agree that the remaining provisions of this paragraph, including the limitation of liability and limitation of time within which to bring claims, remains enforceable. You and Company also agree that in the event that the exclusive venue for the resolution of any claim or dispute not resolved in arbitration, for any reason, is the state and federal courts of Dakota County, Minnesota.
UNLESS REQUIRED BY STATUTE, UNDER NO CIRCUMSTANCES SHALL COMPANY BE LIABLE TO ANY PERSON OR ENTITY FOR INDIRECT, INCIDENTAL, ADDITIONAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES. Except as required by statute, Company's liability in any and all claims, whether based in tort, contract, warranty, or otherwise, shall not exceed the amount actually paid by you for the items in dispute minus the item's fair market value as of the date of the arbitration commencement. It is agreed that the Arbitrator or a court of competent jurisdiction shall have no authority to award any damages in excess of those permitted under the terms of this Agreement.
DISCLAIMER OF WARRANTY:
EXCEPT FOR THOSE WARRANTIES EXPRESSLY PROVIDED HEREIN, YOU HEREBY ACKNOWLEDGE AND AGREE THAT COMPANY (INCLUDING DIRECTORS, MANAGERS, SHAREHOLDERS, AFFILIATES, PARENTS, SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS, DIRECTORS AND INDEPENDENT CONTRACTORS OF COMPANY) HAS NOT MADE ANY OTHER WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THE WEBSITE, MARKETING OR PROMOTIONAL MATERIALS, INFORMATION PROVIDED, OR THE PRODUCTS OR SERVICES OFFERED THROUGH THIS WEBSITE, IN ANY OTHER ADVERTISING OR PROMOTIONAL MATERIALS OR COMMUNICATIONS WITH THE COMPANY, OR ON ANY SOCIAL MEDIA SITE. THE WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, OR IN ANY OTHER ADVERTISING OR PROMOTIONAL MATERIALS OR COMMUNICATIONS WITH THE COMPANY, OR ON ANY SOCIAL MEDIA SITE, ARE PROVIDED BY COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. COMPANY DISCLAIMS, AND YOU HEREBY WAIVE, ALL WARRANTIES EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ANY WARRANTIES REGARDING COMPLETENESS, ACCURACY, RELIABILITY, SUITABILITY OR AVAILABILITY WITH RESPECT TO THE WEBSITE OR THE INFORMATION, PRODUCTS, SERVICES, OR RELATED GRAPHICS CONTAINED ON THE WEBSITE, OR IN ANY OTHER ADVERTISING OR PROMOTIONAL MATERIALS OR COMMUNICATIONS WITH THE COMPANY, OR ON ANY SOCIAL MEDIA SITE, FOR ANY PURPOSE. WITHOUT LIMITING THE FOREGOING, COMPANY HEREBY MAKES NO REPRESENTATION NOR ANY WARRANTIES OF ANY KIND IN CONNECTION WITH THE INFORMATION PROVIDED HEREIN, THAT PRODUCTS WILL MEET YOUR REQUIREMENTS, OR THE QUALITY OF ANY PRODUCTS. ANY RELIANCE YOU PLACE ON SUCH INFORMATION IS THEREFORE STRICTLY AT YOUR OWN RISK.
NO ADVICE. The information provided on this Website or in all other promotional emails, text messages, advertisements or marketing materials of Company, Company social media, or Company telephone communications ("Promotional Materials") is for reference use only, and does not constitute the rendering of investment, legal, financial, or other professional advice or recommendations by Company. The collectible coin and numismatics market is speculative and unregulated. Many areas of numismatics and coin collecting lend themselves to third party grading and authentication. Population or census figures quoted are based on information publicly available from third party grading services websites, at the time of communication. Populations fluctuate over time, and may not reflect the entire population of a coin in a particular grade. AMS does not guarantee these populations and they should not be used as the sole basis for purchasing any items sold by Company. Company expresses no opinion on the soundness as an investment of any collectible coin, medal or other numismatic product.
ACCEPTANCE OF RISKS. The purchase of collectible coins and numismatics is highly speculative and involves substantial risk. Certification does not eliminate all risks associated with the grading and purchasing of rare or collectible coins or numismatics. As in other markets, collectible coin and numismatics prices can be extremely volatile and will rise and fall depending upon market conditions as well as changing supply and demand. Company does not sell coins or numismatics as investments but rather as collectibles that should serve the purpose of enjoyment in one of the world's largest and greatest hobbies. Before purchasing coins or numismatics, you should first have adequate cash reserves and other assets to absorb a potentially significant loss. Prices listed on this Website or in other Promotional Materials, or in telephone calls, are not to be used as a definitive guide to value for the listed items, nor should any comparable value statement provided in the foregoing be construed as an indication that your purchase will perform similarly.
You shall be solely responsible for making any decisions regarding the purchase of coins, numismatics or other products from Company. You expressly acknowledge that you are making all of your own decisions in connection with purchases and/or sales and that Company is not making any specific recommendation with respect to such purchases and/or such sales. You also expressly acknowledge that you are subject to a variety of risks, which risks are beyond the control of Company, and you expressly acknowledge that Company 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 the products, particularly precious metals, collectability, demand, secondary markets, liquidity, earnings potential, scarcity, grading and populations. Under certain market or other conditions (such as technological or other disruptions), you may not be able to liquidate the purchased products or liquidate the purchased products at prices acceptable to you.
GUARANTEE. Company guarantees all uncertified coins and bullion it sells to be authentic, and disclaims any other warranties with respect to its products, whether express or implied, including the implied warranties of merchantability and fitness for a particular purpose. Although Company always uses one of the United States' leading independent grading services, because Company does not operate or control such services. Company cannot make any warranty or representation regarding these services' work product or services, practices, or policies. It is possible that one of the services may assign a different grade to the same coin, or assign a different grade to a coin upon resubmission. Company cannot be responsible for any of the services' guarantees or for subsequent changes in their policies, and Company expressly disclaims any express or implied warranties associated with the grades or other designations of products, assigned by such independent grading services. Items that are certified by a third-party grading service such as Numismatic Guaranty Company or Professional Coin Grading Service, carry authenticity and grading guarantees in most (but not all) cases as described at their respective third party websites:
ELIGIBILITY. You must be at least eighteen (18) years of age to Interact With Company. By Interacting With Company, you represent and warrant that: (a) you have the right, authority and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement, and all other agreements incorporated herein by reference; (b) all registration and listing information you submit is truthful and accurate; (c) you will maintain the accuracy of such information; (d) you are 18 years of age or older; and (e) your Interaction With Company does not violate any applicable law or regulation.
WEBSITE/PROMOTIONAL MATERIALS; CONTENTS. The content of the Website and Promotional Materials is intended for information purposes only. Although Company exercises reasonable efforts to ensure quality and accuracy, occasionally information contained in the Website or Promotional Materials may contain typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing and/or availability. Company reserves the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice (including after you have submitted your order). Further, some of the information contained in the Website or Promotional Materials may have been provided by contract writers and mints from around the world. Company assumes no liability or responsibility for any errors or omissions. You are responsible for evaluating the accuracy, completeness and usefulness of any opinion, advice, or other content contained in the Promotional Materials of the Company.
PROMOTIONS; DISCOUNTS; COUPONS. Unless stated otherwise on the face of a coupon, discount or promotional offer ("Offer"), any Offer is valid for a single use; limit one Offer per household. Unless stated otherwise on the Offer, Offer may only be used toward the purchase of a single product purchase. Offer may not be applied on prior purchases, and may not be applied to sales tax, shipping or handling charges. Offer not valid for purchase of bullion products. Void if copied, transferred, sold or where prohibited by law. Not redeemable for cash except where required by law. Cash value .01. Offer expires on the date listed. Company reserves the right to cancel an order due to unauthorized use or other unexpected error, or to modify or cancel an Offer due to system error or unforeseen problems, without additional or advance notice to you.
ELECTRONIC COMMUNICATIONS WITH THE COMPANY. When you visit the Website or Interact With Company via electronic methods, you are communicating electronically. You thereby consent to receive communications from Company electronically. You acknowledge that all agreements, notices, disclosures and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.
CONSENT TO RECEIVE PROMOTIONAL MATERIALS FROM COMPANY. You agree that your Interaction With Company constitutes your agreement and consent to receive Promotional Materials from Company, including but not limited to promotional email, catalogs, direct mail, telephone calls, or other advertising or promotional content from Company or its affiliated brands, which includes GovMint.com and ModernCoinMart.
CONSENT TO RECEIVE TELEPHONE COMMUNICATIONS AND TEXT MESSAGES FROM COMPANY. When you provide your telephone number(s) to Company (including any cellular number(s) you provide to us) you are consenting to receiving telephone calls and/or text messages from, by or on behalf of Company relating to this Agreement, any purchase or transaction with Company, matters related to your account (including Split Pay transactions, or debt collection), and promotions regarding Company products. These telephone and/or text communications may be made by or on behalf of Company, even if your phone number is registered on any state or federal Do Not Call list. You acknowledge that you may incur a charge for the telephone and/ or text communications by your telephone carrier, and that Company will not be responsible for these charges.
If you accept a cellular telephone number from a third party, you may receive telephone and/or text communications from Company. You acknowledge that Company has no knowledge or control over the transfer of cellular telephone numbers and therefore is not liable for any damages which may result from Company calling and/or a cellular telephone number from which it initially received consent to call. If you do not wish to be contacted by Company, you may follow the Opt-Out procedures set forth in this Agreement.
RECORDING OF TELEPHONE CALLS AND TEXT MESSAGES. You acknowledge that telephone communications and text messages to and from Company are monitored and recorded; and you agree to such monitoring and recording without further notice or the requirement of additional consent or agreement from you. You further consent to the monitoring or recording of your conversation or communications with the Company, and acknowledge that you do not have a reasonable expectation of privacy during any conversation or communication with Company. You further understand that not all telephone lines, calls or communications are recorded, and therefore, Company does not guarantee that any recordings of any particular telephone calls or communications will be retained or be capable of being retrieved.
Your consent to receive text communications is not required to make any purchase from Company. If you wish to opt-out of receiving text messages from Company, please email Company at firstname.lastname@example.org or call us at 1-800-721- 0320 and state that you wish to opt-out of receiving text messages from the Company.
OPTING OUT OF COMMUNICATIONS WITH COMPANY. You may opt-out of receiving communications, advertising and Promotional Materials from Company, by updating your account information on the Website. If you do not have an account set up with us, you may opt-out of receiving communications, advertising and Promotional Materials by emailing us at customerservice@ govmint.com or calling us at 1-800-721-0320 and communicating your contact preferences. Please provide us with all of the email addresses, telephone numbers and mailing addresses at which you receive communications, advertising and Promotional Materials from us, so that we may reflect your account status accurately. Please note that you may continue to receive catalogs from us for 6-8 weeks after your request, due to the nature of the mailing cycle.
INTERACTIONS WITH COMPANY AFTER OPTING-OUT RESET YOUR COMMUNICATION PREFERENCES. Also note that in the event you initiate a new transaction with the Company or access or use the Website, or Interact With Company, after you have opted out of receiving communications from Company, your communication preferences will re-set to the default communication activities set forth in this Agreement. If this is not your preference, please call us at 1-800-721-0320 and we will update your communication preferences.
PRICING INFORMATION. The prices displayed on the Website, mobile Website; in emails, texts, telephone calls or other communications with Company; or in Promotional Materials of the Company are quoted in U.S. dollars and are valid and effective only in the U.S. While we strive to keep our prices and inventory current, variances may occur due to changing market conditions, coin availability, and/or typographical errors. All orders will be confirmed prior to finalizing the sale. As the markets are constantly moving, the final price for an item will be determined at the time you place your order.
PRODUCT RETURN POLICY. View the Company's Product Return Policy, which is incorporated into this Agreement by reference.
PAYMENT USING SPLIT PAY. View the Company's Split Pay Policy, which is incorporated into this Agreement by reference.
PASSWORD/ACCOUNT SETTINGS. When you create a profile or register an account with Company, you will also be asked to choose a username and password. You are responsible for maintaining the confidentiality of the username and password that you designate during the registration process, and you are fully responsible for all activities that occur under your username and password. You shall prevent unauthorized use of the Website using your username or password, and any other unauthorized use of your account. You agree to (a) immediately notify Company of any unauthorized use of your account or password or any other breach of security involving Company, and (b) ensure that you exit from your account at the end of each session. Company will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password, account information or other personal information. All assignments of your account or password shall be void.
INTELLECTUAL PROPERTY. Company owns and retains all proprietary, intellectual property and ownership rights in the information and materials it publishes on its Website and in its promotional, informational and social media content. Except as otherwise expressly noted, all products, information, images, illustrations, designs, graphics, icons, photographs, text, audio clips, video clips and other materials that appear as part of the Website, promotional, informational or social media materials, as well as the selection, arrangement and organization of the foregoing and the Website, promotional, informational or social media materials as a whole (collectively, "Content") are subject to copyright, trademark, service mark, trade dress, and/or other intellectual property rights or licenses and rights of publicity and privacy, all worldwide rights, titles and interests in and to which are owned by or licensed to Company or its suppliers. All software used on this Website is the property of Company or its suppliers and is protected by U.S. and international copyright and other intellectual property laws.
Company's names, and other Content are copyrights, trademarks, registered trademarks or trade dress of Company, either in the U.S. and/or other countries. Company's copyrights, trademarks and trade dress may not be used in connection with any product or service that is not Company's, in any manner that is likely to cause confusion among customers or clients, or in any manner that disparages or discredits Company. All other copyrights, trademarks or trade dress not owned by Company that appear on the Website or in other Company marketing or promotional materials or social media are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Company. References on the Website or in other Company marketing or promotional materials or social media to the copyrights, trademarks, service marks, trade names, products, company names or services of third parties are provided for your convenience and do not in any way constitute or imply an endorsement or recommendation of that third party or its products or services by Company.
LICENSE/SITE ACCESS/PROHIBITED USE. Company grants you a limited license to access and make personal use of the Website. Company does not allow you to download (other than page caching) or modify the Website, or any portion of it, except with express written consent of Company. This license does not include any resale or commercial use of the Website or its contents; any collection and use of any content, including, but not limited to, products, descriptions, or prices; any derivative use of the Site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, spiders, robots, or similar data gathering and extraction tools, as such activities are strictly prohibited. The Content of the Website, the Website as a whole and the software are intended solely for personal, non-commercial use by you and other commercial users of the Website who have a username and password. The Content of other Company marketing or promotional materials and Company social media is also intended solely for personal, non-commercial use by you.
You may not: (a) modify or create any derivative work based on the Content or use the Content, in whole or in part, for any commercial purpose or for any public display, performance, sale, rental, outsourcing or other commercial exploitation; (b) remove or alter any copyright, trademark or other proprietary notices from the Content; (c) transfer the Content to another person; or (d) reproduce the Content, the Website or the software, in whole or in part, as expressly provided herein. You agree to prevent any unauthorized copying of the Content, the Website or software. Company reserves all rights not expressly granted herein.
METATAGS, HIDDEN TEXT, LINKING OR FRAMING ONLINE. Company expressly prohibits any use of its trademarks, trade names or brand names in metatags, keywords and/or hidden text online. The use of Company trademarks, trade names or brand names in metatags, keywords or hidden text constitutes trademark infringement, and the use of any of the foregoing for purposes of gaining higher rankings in search engines or otherwise redirecting consumers from the Website, constitutes unfair competition. Linking to the Website, or any page or portion thereof, without the prior written consent of Company is expressly prohibited. Likewise, framing, in-line linking or other methods of association on the Website or its content with any other site, advertisement, link or other information or materials not originating from this Website is expressly prohibited, unless specifically authorized or required in writing by Company.
LINKS TO THIRD PARTY SITES. Company or third parties may provide links to other World Wide Web sites or resources. Because Company has no control over such sites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of, or reliance upon, any such content, goods or services available on or through any such site or resource. Company does not control the privacy policies or practices of these Websites. You should review those policies before providing any personal information. Company is not responsible for the content or practices of any linked Websites and provides these links solely for navigation convenience to visitors.
USER-GENERATED CONTENT. Users who download Contents from the Site are required to cite the author and source of the Contents as they would material from any printed work, and should include the source URL. Any such personal use is subject to additional terms and restrictions as noted herein or in the Contents themselves. Company does not warrant that use of the Contents displayed will not infringe the rights of third parties not owned by or affiliated with Company.
We welcome your comments and feedback regarding our Site, our products and our services. We do not, however, accept confidential or proprietary information. Accordingly, all comments, feedback, ideas, suggestions, materials, information and other submissions disclosed, submitted or offered to Company using this Website, on social media, or otherwise (collectively, 'Comments') are not confidential and will become and remain Company's property. As such, Company may use Comments in any way it deems appropriate, or not use them at all. The disclosure, submission or offer of any Comments will constitute an assignment to Company of all worldwide rights, titles and interests and goodwill in the Comments without payment of any compensation. Comments submitted by you must not violate any right of any third party, and must not contain any libelous, abusive, obscene or otherwise unlawful material.
INDEMNIFICATION. You agree to indemnify and hold Company, its officers, partners, directors, managers, members, shareholders, distributors, affiliates, parents, subsidiaries, sponsors, advertisers, licensors, employees, agents, representatives and independent contractors, harmless from any loss, liability, damages, claim, actions, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Website or Contents in violation of this Agreement and/or arising from any use of this Website or the Contents.
FORCE MAJEURE. Company shall not be liable for failing to perform its obligations hereunder because of circumstances reasonably beyond its control. Such circumstances shall include (without limitation) any acts or omissions of any government or governmental authority, natural disaster, act of a public enemy, acts of terrorism, riot, sabotage, labor disputes, power failure, delays in transportation or deliveries of supplies or materials, acts of God, computer failure, hardware failure, telecommunications failure, software failure, failure of users to cooperate with the reasonable requests of Company, breach of this Agreement by users, and any other events reasonably beyond the control of Company.
SEVERABILITY. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect.
ASSIGNMENT. You may not assign your rights and obligations under this Agreement to any third party, and any purported attempt to do so will be null and void. Company may freely assign its rights and obligations under this Agreement.
RELATIONSHIP. By using the website or purchasing/selling products, the only relationship created is that of a buyer and a seller. No other legal relationship exists or is implied.
WAIVER. Any failure by Company to enforce or exercise any provision of these Terms and Conditions or related rights will not constitute a waiver of that right or provision.
CAPTIONS. The headings and captions of this Agreement are inserted for convenience of reference and do not define, limit or describe the scope or intent of this Agreement or any particular section, paragraph, or provision.
Please contact us with any questions regarding this Agreement.
STATE-SPECIFIC REQUIREMENTS; NOTICE OF CANCELLATION. In addition to any other right to revoke an order, you may cancel your order from Company up to midnight on the third day of after your receipt of merchandise from Company. Notice of cancellation must be in writing, and post-marked no later than the third business day after receipt of merchandise. Notice of cancellation may be mailed to Company at 14101 Southcross Drive, Suite 175, Burnsville, Minnesota 55337 Company shall, upon receipt of the buyer's written notice of cancellation within the time required by law, and receipt of all of the merchandise in the same condition as it was delivered, issue a full refund within thirty (30) days from the date of cancellation or Company's receipt of the returned merchandise, whichever is later.
This is the end of the Terms and Conditions. This Agreement was last revised effective October 31, 2017. Click to view the previous version