Terms & Conditions

VINTAGE & MODERN BULLION AUTHENTICATION COMPANIES LLC (VMBAC) DBA BULLION AUTHENTICATION COMPANY (BAC)

Legal Disclaimer

Effective Date: March 11, 2026

1. Introduction:
These Terms and Conditions ("Terms") govern the use of services provided by Vintage & Modern Bullion Authentication Companies LLC ("VMBAC") DBA Bullion Authentication Company ("BAC"), hereinafter referred to as "BAC". By using BAC's services, you agree to be bound by these Terms. BAC is not advising the purchase of precious metals as an investment. BAC has not and will not be registered under federal or state securities Laws.

2. Services Provided:
BAC provides authentication, grading, encapsulation and certification services for precious metals and other items.

3. BAC Stacker Club:

BAC Stacker Club Membership fees and service pricing are periodically reviewed and may be adjusted at BAC's discretion. BAC Services are defined as authenticating, grading and encapsulation. Free vouchers must be redeemed in a single transaction and will expire one year from the date of issuance. Vouchers do not cover shipping, handling, or expedited services. They are valid for services up to Tier 2 medium-sized cases. No credit will be issued for unused value if applied to lower-priced items, and any balance due on higher-priced items must be paid by the Club Member. Expedited service fees are based on the total cost of services prior to any applicable discounts. Annual membership may be cancelled at any time; however, refunds are only available if the cancellation occurs within 10 business days of the automatic annual renewal. BAC reserves the right to offer special pricing to dealers and collectors at its sole discretion.

4. Buying or Selling Precious Metals:
BAC is involved in buying and selling precious metals. BAC will buy from and sell directly to customers and may act as a broker, dealer, or agent for transactions involving precious metals.

5. Limitation of Liability and Guarantees:

a. No Liability for Loss or Damage: BAC accepts no liability for any loss or damage to items submitted for encapsulation until the item(s) has been received, inspected, reconciled and recorded by BAC. Once item(s) have been received by BAC, the submission order cannot be cancelled or changed by the Customer. The Customer is solely responsible for selecting the shipping method and determining the declared value of the submitted item(s). BAC will insure return shipments either through its own policy or by using the Customer’s insurance, as applicable. In the event of a loss during return shipping, BAC will reimburse the Customer in an amount determined solely at BAC’s discretion.

b. No Warranty: BAC makes no warranties, express or implied, regarding the accuracy, reliability, or completeness of the precious metal prices on the website or phone application.

c. No Financial Advice: BAC does not provide financial, investment, or legal advice. The services provided by BAC are for authentication, grading and encapsulation purposes only and should not be considered as a recommendation or endorsement to buy, sell, or hold any precious metals.

d. Third-Party Services: BAC is not responsible for the actions or services of any third-party vendors, including but not limited to shipping companies, insurers, or other service providers involved in the process of authentication, grading and encapsulation.

BAC GUARANTEES:

BAC stands behind the quality and integrity of its grading, authentication and encapsulation services. The following guarantees apply to items graded, authenticated and encapsulated by BAC.

Grade Opinion Guarantee

The grade assigned by BAC represents the professional opinion of our graders at the time the item was evaluated. If BAC determines that a grading error has occurred that materially affects the assigned grade, BAC may regrade the item. BAC’s grading determinations shall not form the basis for damages beyond the fees paid to BAC for the applicable grading service.

Authenticity Guarantee

BAC guarantees that any item certified and encapsulated by BAC has been evaluated for authenticity by our grading professionals. If an item certified by BAC is later determined to be counterfeit, BAC may, at its sole discretion, compensate the current owner based on the fair market value of the item or provide an appropriate replacement of comparable type and value.

Holder Integrity Guarantee

BAC guarantees the structural integrity of its encapsulation holders under normal handling, storage, and display conditions. This guarantee applies only to defects resulting from manufacturing or assembly of the holder. Damage caused by misuse, tampering, impact, improper storage conditions, environmental exposure (including but not limited to excessive heat, cold, humidity, fire, chemicals, or water), or other external factors is not covered and voids this guarantee. If BAC determines, in its sole discretion, that a holder is defective due to manufacturing issues, BAC will reholder the encapsulated item at no charge to the owner. This guarantee applies only to the encapsulation holder and does not extend to the condition, preservation, or value of the encapsulated item.

Limitation of Liability

BAC grading determinations represent expert opinions based on industry standards and available information at the time of grading. Grading opinions may change over time as knowledge evolves. BAC does not guarantee future market value, investment performance, or that other grading services will assign the same grade. BAC’s maximum liability under this guarantee will not exceed the fair market value of the item at the time the claim is approved.

Guarantee Claims

To make a claim under this guarantee, the encapsulated item must be submitted to BAC for evaluation along with proof of certification. BAC reserves the right to determine the validity of any claim in accordance with these terms.

6. Waiver and Release:
Customers, for him/herself, his/her heirs, agents, successors and assignees, generally and specifically waives and releases, and forever discharges BAC, and its respective affiliates, parents, officers, directors, shareholders, agents, subsidiaries, employees, managers and members and each of them, and their respective successors and assignees from any and all claims, rights, losses, damages, liabilities, expenses or causes of actions and suits, of whatever kind or nature, including but not limited to claims based upon BAC’s negligence, whether in law or equity, tort or otherwise, whether known or unknown, suspected or unsuspected (a "Claim"), arising out of or in any way connected to your use of BAC’s services.

7. Legal Notice:
All notices from BAC to You may be posted on our website and will be deemed delivered within thirty (30) days after posting. Notices from You to BAC shall be made by certified mail to BAC, 1377 E. Florence Blvd. 151-77, Casa Grande, AZ 85122. Delivery shall be deemed to have been made by You to BAC two (2) business days after receipt by BAC of the communication.

8. Copyright and Intellectual Property Notice

All content appearing on this website, including but not limited to text, images, photographs, grading data, graphics, logos, certification labels, design elements, and software, is the property of BAC, or its licensors, and is protected by United States and international copyright, trademark, and intellectual property laws. Users may view, download, or print materials from this website solely for personal, non-commercial, informational purposes, provided that all copyright and proprietary notices remain intact. Except as expressly permitted above, no material from this website may be copied, reproduced, modified, republished, uploaded, transmitted, distributed, displayed, or used in any form or by any means without the prior written permission of BAC. The BAC name, logos, certification formats, and related branding elements are trademarks or service marks filed by Vintage & Modern Bullion Authentication Companies, LLC and may not be used without written authorization. BAC reserves all rights not expressly granted herein.

9. Trademarks:
All brand, product, service, and process names appearing on this website are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by BAC. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of BAC or any third party, except as expressly granted herein.

10. BAC Anti-Money Laundering (AML) Program:
In June 2005, FinCEN issued “interim final regulations” requiring certain jewelers and precious metal dealers to establish AML programs as described below. The interim final rule applies to “dealers” that have purchased and sold at least $50,000 worth of “covered goods” during the preceding year. “Covered goods” include jewels, precious metals, precious stones, and finished goods (including but not limited to, jewelry, numismatic items, and antiques) that derive 50 percent or more of their value from jewels, precious metals, or precious stones contained in or attached to such finished goods.
BAC has appointed its managing owner as the Company Compliance Office and has an established anti-money laundering program that covers the following:
- Company risk assessment;
- Development of internal policies, procedures, and controls;
- Ongoing employee and/or contracted individual training program; and
- An independent audit to test the program.
BAC has effective and reasonable Anti-Money Laundering policies and procedures that are designed to prevent our business from being used to facilitate money laundering and/or terrorist financing activities.
By agreeing to BAC's terms and conditions and completing any transaction with BAC, each customer represents and warrants to BAC that:
- The customer is in compliance with the USA Patriot Act;
- The funds being used to complete the transaction were not derived from or connected to money-laundering, terrorism, or any other illegal or illicit activity;
- The transaction has no part of any scheme involving or in support of money-laundering, terrorism or any other illegal or illicit activity.
BAC, at all times, reserves the right to require the customer to provide supporting information and documentation in support of the preceding representations and warranties or to ensure compliance with FinCEN regulations.

11. Privacy Policy:
See Privacy Policy section.

12. Terms of Use:

This website is operated by BAC. By accessing this website or submitting any items to BAC for grading or other services, you acknowledge that you have read, understood, and agree to be bound by these Terms. Users and customers are responsible for reviewing and complying with the Terms posted on this website at the time of submission or use of BAC services. This website may contain proprietary notices, copyright notices, and other intellectual property protections that must be observed and followed. Information on this website may contain technical inaccuracies, typographical errors, or outdated information. BAC reserves the right to correct any errors and to modify, update, or discontinue information, services, pricing, or availability at any time without prior notice. BAC and its affiliated entities reserve the right, in their sole discretion, to refuse service, terminate accounts, or cancel orders if BAC determines that a user’s conduct violates applicable law, these Terms, or is harmful to the interests of BAC, its affiliates, or its customers.

13. Submissions:
All Customers must be in good standing with BAC. Such determination may be made by BAC in its sole and unlimited discretion, at any time prior to, during, or even after the interaction. To ensure the safety of all our customers, BAC reserves the right to request a minimum of two industry references and/ or a bank letter of credit for all new Dealers or Customers. BAC Customer affirms and warrants that, to the best of their knowledge and belief, the submitted item(s) are authentic and free of any undisclosed alterations or restorations. BAC may photograph or digitally image submitted items during grading or after encapsulation. By submitting items, the customer authorizes BAC to use these images for identification, records, research, educational, marketing, catalog, or promotional purposes without compensation.

14. Sales Tax:
All sales are subject to applicable federal, state, and local taxes where required by law. BAC will collect and remit sales tax in accordance with applicable tax laws and regulations. Tax amounts are determined based on the buyer’s location and the nature of the transaction. Applicable taxes will be calculated and added to the purchase price at the time of sale.

15. Payment:
All services must be paid for when invoiced. BAC will hold any submitted items until all outstanding balances are paid, even if those balances are unrelated to the specific item being held. During this period, BAC will automatically acquire a lien on all items in its possession. The outstanding balance must be paid in full before the submitter may send any new submissions to BAC. Credit cards, Apple Pay and ACH are accepted through QuickBooks and are charged an associated service fee. Personal checks may be held for up to 10 business days in order to clear funding.

16. SMS (Text) Messages:

By providing your mobile phone number, you consent to receive SMS messages from BAC related to order updates, invoicing, account notifications, transactional or service-related updates, and support or outreach responses or requests from our team. Message frequency may vary. Standard message and data rates may apply depending on your carrier. You may opt out of receiving SMS messages at any time by replying with "STOP" to any automated message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages. Your phone number will be handled in accordance with our privacy policy. We do not share SMS opt-in consent with any third parties for solicitation purposes.

17. Disputes:

If a dispute arises regarding ownership of any item, or concerning any transaction involving BAC, BAC reserves the right to initiate a statutory interpleader proceeding. In such event, the costs of the proceeding, including reasonable attorneys’ fees, may be assessed against the Customer and any other applicable party. To the fullest extent permitted by law, BAC and its affiliated or related entities shall not be liable for any incidental, indirect, special, or consequential damages arising out of or related to these Terms, the website, the online store, the submission process, or any transaction conducted through BAC. In no event shall BAC’s total liability exceed the amount of fees paid to BAC for the applicable services. Any dispute arising out of or relating to these Terms and Conditions, the website, the online store, or any submission or transaction with BAC—except for actions brought by BAC to collect amounts owed—shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall take place in Pinal County, Arizona. Unless otherwise agreed by the parties, discovery in arbitration shall be limited to that reasonably necessary for the efficient conduct of the hearing. The arbitrator shall not have authority to award punitive, exemplary, or consequential damages, nor to alter or modify any provision of these Terms. The arbitration award may be entered and enforced in any court of competent jurisdiction. Each party shall bear one-half of the costs of arbitration unless otherwise determined by the arbitrator. The Customer agrees that the courts of the State of Arizona shall have exclusive personal jurisdiction over any matters related to enforcement of an arbitration award or any dispute not subject to arbitration. Venue for any such court action shall be in the Superior Court of Pinal County, Arizona, and the parties waive any claim of forum non conveniens. Any claim or legal action arising out of any transaction with BAC must be commenced within one (1) year of the date of the transaction or such claim shall be permanently barred. CUSTOMER EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY.

BAC owns and operates the website. You may contact us directly if you have any questions regarding the content and material on the website or if you have any questions about our AML or Privacy Policy.

Please contact us by email at info@bacgrading.com or by telephone at (520) 635-5640.

Terms & Conditions

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