For the purpose of this Agreement, RossSimonsGoldExchange.com and Refinement Services shall be referred to collectively as "We" or "Us." What We purchase shall be referred to as "jewelry," "precious metals," "gold," "content," "goods," "items," "material" or "shipment."

Refinement Services purchases your gold jewelry and other gold items for refining only, not for resale. The payout value We pay to each Seller is based upon the total weight and purity or karat grade (pure precious metal content) contained in the material purchased, factored with the precious-metal market value according to the current London Fix (the price at which gold is set during two daily bidding sessions in London) - not on the material's potential value if resold intact. For this reason, We cannot pay for pearls, gemstones, or other non-precious metal material in the jewelry. We may, at our sole discretion, return your merchandise if We determine the value of the stones outweighs the value of the gold. We do not accept items which are new or appear to be new (i.e. contain price tickets or other manufacturing tags or tickets.

For questions or for Customer Service, You may contact us via e-mail at CustomerService@Ross-SimonsGoldExchange.com or by telephone at 1-877-307-9113. However, e-mails will be the primary form of communication between Refinement Services and the Customer. E-mails sent from Refinement Services to the Customer will be conclusive and binding.

1. Obtain a registration number from Refinement Services by requesting a Ross-Simons Gold Exchange® Kit from www.ross-simonsgoldexchange.com. Material will not be accepted for purchase without a valid registration number.
2. Follow the instructions supplied in the kit for sending your gold or precious metal items to Refinement Services.
3. When Refinement Services receives your package, You will receive an email.
4. Your gold is unpacked, weighed, and tested to determine the content of your gold. The packing and weighing is recorded on video webcam and can be viewed online.
5. The payout value We offer is based on the current London Fix (the price at which gold is set during two daily bidding sessions in London). As soon as a value for your gold is determined, You will receive an email with the amount. If this offer is acceptable to You, You do not have to do anything further. A check will be mailed to You within twenty-four (24) hours. If You dispute the amount offered by Refinement Services or want to cancel your transaction You may do so at this point. In addition, if You are dissatisfied with the amount, You may return your check to Us within 14 days from the date of issuance of the check and We will return your merchandise to You. (See "Material Return" below.)

You must be at least twenty-one (21) years of age, in order to sell jewelry or other precious metal items to Ross-Simons.com. In addition, you must be the actual legal owner of any and all precious metals, jewelry, or other property sold, or attempted to be sold, to Ross-Simons.com, and you must be acting on your own behalf and not as an agent or representative of any other person or any company. We may request documentation of proof of age or ownership. By shipping your goods to Ross-Simons.com, you accept all terms and conditions set forth herein and those described on our website, which are subject to change.

Ross-Simons.com will guaranty against loss of the total contents when properly shipped to Ross-Simons.com, in accordance with the instructions and procedures established by Ross-Simons.com, and subject to the Terms and Conditions herein. We reserve the right to reject delivery of any mail, envelope or package which appears to be damaged, opened, or tampered-with, and any such mail, envelope or package will be returned by the postal service or courier service to the Customer. Ross-Simons.com shall have no liability to any Customer for any such attempted delivery or return of any such items.

This limitation of liability shall be binding on each and every Customer and on any third party, including, but not limited to, the Customer and the Customer's successors, assigns, insurance carriers and any other individual or entity asserting any right or claim relating to Customer's transaction with Refinement Services. No Liability for Property in Refinement Services’ Possession: In no event shall Refinement Services be liable for any damages from the loss or destruction of property in its possession for any reason - including negligence - except as stated in this Agreement. In no event shall Refinement Services be liable to any third party, including any insurance carrier, nor shall Refinement Services be liable for any subrogation claim brought by the Customer's insurance carrier. By submitting an item to Refinement Services, the Customer expressly and specifically waives any such subrogation claim on his or her behalf, as well as on the behalf of his or her insurance carrier.

Insurance Limitations on Property Shipped: Items sent to Refinement Services using a valid shipping label obtained from www.ross-simonsgoldexchange.com or by ordering from the toll-free number 1-877-307-9113, are insured with the carrier for a maximum value of five hundred dollars ($500). It is the Customer's responsibility to have carrier electronically scan their package into the carrier's tracking system to ensure that carrier accepted possession of package. If You believe your precious-metal jewelry or other material is worth more than $500, We recommend that You contact us for further instructions.

Any merchandise returned will be insured for $500 or the amount of the appraised value as determined by Refinement Services if the appraised value exceeds $500, and posted on-line as part of the normal process defined above if the value exceeds $500.

Claims for any losses that occur during shipment are subject to the filing of an appropriate claim and the approval of such claim by the carrier and/or its insurance company. If You believe your precious-metal jewelry or other material is worth more than $500, We recommend that You contact us for further instructions.

No Other Liability: Refinement Services shall not be liable to anyone for any damages, including, but not limited to, incidental, consequential, punitive, loss of profit or opportunity - other than as set forth herein above. By submitting your items, You explicitly and expressly accept this limitation of liability.

Any merchandise returned to You will be insured for $500 or the appraised value, if the appraised value exceeds $500, as determined by Refinement Services, regardless of what the merchandise was insured for when initially submitted by You to Refinement Services - unless Refinement Services is otherwise notified by e-mail or fax by You prior to Refinement Services’s shipment of the returned merchandise, and You agree to pay for the cost of any extra insurance requested. Refinement Services shall, in its sole discretion, choose the return carrier, insurance amount and receipt-verification method for each transaction.

The Agreement shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. Ross-Simons.com's failure to exercise or enforce any right or provision of the Agreement will not be deemed to be a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect. You agree that, regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services offered by Ross-Simons.com must be filed within one (1) year after such claim or cause of action arose, or be forever barred. Any such claim or cause of action must be filed in the State of New York. Ross-Simons.com shall be entitled to reimbursement for any and all costs incurred by it in defending any civil action filed, or attempted to be filed, in any jurisdiction outside of the State of New York, including but not limited to, attorney's fees incurred by Ross-Simons.com.

If your payment is cashed or deposited in a bank or financial institution, this will constitute an acceptance by You of the terms offered by Refinement Services and your acceptance of the transaction, at such time this transaction will be final and your material will be processed for refinement.

If You change your mind about selling your material, or are dissatisfied with the amount of the payment You received, You may cancel the transaction or decline the payment amount offered by Refinement Services. To do so, You must notify us immediately. Go to www.ross-simonsgoldexchange.com or call 1-877-307-9113 and notify us of your intention to cancel the transaction. You must also return the un-cashed/un-deposited check to us by mail within 14 days from issuance of the check, and We will return your material to You. If We do not hear from You within 14 days of the date on the check We sent You, the transaction will be final, and your material will be processed for refinement and can no longer be returned to You.

This time limitation cannot be waived for any reason. Refinement Services will not be responsible for any loss or damage of any kind if the time limitation is not strictly followed.