# Refund & Return Policy

<table style="width:100%; border-collapse:collapse; font-size:9.5pt; line-height:1.22;">
    <thead>
        <tr>
            <th style="border:1px solid #333; padding:5px; text-align:left; width:42%;">Situation</th>
            <th style="border:1px solid #333; padding:5px; text-align:left; width:22%;">Deadline</th>
            <th style="border:1px solid #333; padding:5px; text-align:left;">Result</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>Customer cancels before order confirmation / price lock</strong></td>
            <td style="border:1px solid #333; padding:5px;">Before confirmation</td>
            <td style="border:1px solid #333; padding:5px;">Full refund, except as otherwise required or permitted by applicable law.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>Customer cancels after order confirmation / price lock</strong></td>
            <td style="border:1px solid #333; padding:5px;">Any time before fulfillment</td>
            <td style="border:1px solid #333; padding:5px;">A $100 cancellation fee applies. A documented market-loss charge may also apply under the Market Loss Policy if cancellation, failed payment, dishonored payment, refused delivery, or other failure to perform creates a market deficit. Florida Gold Exchange will not assess a market-loss charge if the Market Loss Policy calculation shows no deficit. All charges remain subject to applicable law.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>We fail to ship or make order available by the applicable fulfillment deadline</strong></td>
            <td style="border:1px solid #333; padding:5px;">After missed deadline</td>
            <td style="border:1px solid #333; padding:5px;">Customer may cancel for a full refund, except as otherwise provided by applicable law for agreed delays, customer-caused delays, compliance holds, payment-verification holds, or force-majeure events.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>Incorrect, damaged, not-as-represented, or defective product picked up in person</strong></td>
            <td style="border:1px solid #333; padding:5px;">At pickup, except as required by applicable law</td>
            <td style="border:1px solid #333; padding:5px;">Return or exchange available.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>Incorrect, damaged, not-as-represented, or defective product shipped to customer</strong></td>
            <td style="border:1px solid #333; padding:5px;">Within 3 business days of delivery, except as required by applicable law</td>
            <td style="border:1px solid #333; padding:5px;">Return or exchange available. We may provide a prepaid insured shipping label.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:5px;"><strong>Customer error, spot-price movement, change in market conditions, change in personal circumstances, or buyer's remorse</strong></td>
            <td style="border:1px solid #333; padding:5px;">Not accepted, except as required by applicable law</td>
            <td style="border:1px solid #333; padding:5px;">No return or exchange, except as required by applicable law.</td>
        </tr>
    </tbody>
</table>

## Refund Payments

Refunds issued under this policy will be made within three business days after cancellation or, for returned items, within three business days after receipt of the returned items, except as otherwise required by applicable law or delayed by payment reversal risk, fraud-prevention review, AML review, sanctions review, elder-exploitation review, customer-protection review, law-enforcement request, legal hold, or other legal or compliance requirement. Refund payments will be issued by our choice of business check, cashier's check, or bank wire. We do not issue refunds in cash, regardless of the original payment method, except where required by applicable law.

To cancel or initiate a return or exchange, call (954) 766-0700 and choose option 3, or contact your sales representative.