OVERVIEW

This website is operated by Estate Jewelry and Loan, Inc. (North Carolina SOSID: 1636963), a domestic business corporation headquartered at 2511-b Battleground Ave, Greensboro, NC 27408. Throughout the site, the terms “we”, “us”, “our”, and “Estate Jewelry & Loan” refer to Estate Jewelry and Loan, Inc.

Estate Jewelry and Loan, Inc. offers this website, including all information, tools, live-market pricing data, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By visiting our site, utilizing our digital appraisal tools, and/or purchasing inventory from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink.

These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content. Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

SECTION 1 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

SECTION 2 – LIVE MARKET PRICING & VOLATILITY EXCEPTION

Due to the nature of the precious metals market, prices for bullion and specific estate items on this website are dynamically linked to live global spot prices and are subject to extreme market volatility. While we strive for 100% accuracy, Estate Jewelry and Loan, Inc. reserves the right to refuse or cancel any order placed for an item listed at an incorrect price due to API interruptions, typographical errors, or sudden, extraordinary market movements prior to final payment clearance. In the event of a pricing error or canceled order, your sole remedy is a full refund of the amount paid. All sales of bullion and precious metals are final and exempt from standard return policies due to market fluctuation.

SECTION 3 – ORDER VERIFICATION & FRAUD PREVENTION

To protect our customers and our business from unauthorized transactions, Estate Jewelry and Loan, Inc. employs strict fraud prevention protocols. We reserve the right to require additional identity verification—including but not limited to a government-issued ID and proof of billing address—prior to processing or fulfilling high-value orders. We reserve the right, at our sole discretion, to cancel any order that triggers our fraud prevention systems, or any order where the shipping address does not match the verified billing address of the payment method.

SECTION 4 – PAYMENT METHODS & CLEARING PERIODS

Prices for our inventory may vary based on the payment method selected at checkout. We proudly offer cash-equivalent discounts for payments made via Bank Wire, ACH, or designated Cryptocurrencies. Orders paid via standard Credit or Debit Card may not be eligible for these cash-equivalent discounts and are subject to strict processing limits. For all high-value orders, Estate Jewelry and Loan, Inc. enforces a mandatory holding period until funds have fully cleared our financial institution before physical inventory is shipped or released for in-store pickup.

SECTION 5 – PRODUCTS OR SERVICES

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy. We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any color will be accurate.

As an estate jeweler, many of our items are one-of-a-kind. We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time.

SECTION 6 – CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 7 – CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at:

Estate Jewelry and Loan, Inc.
2511-B Battleground Ave. Greensboro, NC 27408
Email: legal@estatejewelryloan.com
Phone: 336-840-6571