Risk Disclosure

Risk Disclosure


Trading foreign exchange currencies carries a high level of risk, and may not be suitable for all investors.  Trading in commodities carries a high level of risk, and may not be suitable for all investors.  The high degree of risk can work against you as well as for you.  Before deciding to trade in the market you should carefully consider your investment objectives, level of experience, and risk appetite.  The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose.  You should be aware of all the risks associated with trading, and seek advice from an independent financial advisor if you have any doubts.

Any opinions, news, research, analyses, prices, or other information contained on this website is provided as general market commentary, and does not constitute investment advice.  Treasury Vault will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on such information.

There are risks associated with utilizing an internet-based deal execution trading system including, but not limited to, the failure of hardware, software, and internet connection, both on your side and ours.  We intend to make the cost of all trades available in real time but do not lock the price until your funds have cleared.  This means that in the time you think you have made a trade to the time the trade is “booked” by receipt of cleared funds, there may be a change in the market.  We are not responsible for market losses (“losses” are relative to your long or short position) just like we do not preclude you from accepting market gains (“gains” are relative to your long or short position).

The content on this website is subject to change at any time without notice, and is provided for the sole purpose of assisting traders to make independent decisions.  Treasury Vault has taken reasonable measures to ensure the accuracy of the information on the website including real time data, however, we do not guarantee accuracy, and will not accept liability for any loss or damage which may arise directly or indirectly from the content or your inability to access the website, for any delay in or failure of the transmission or the receipt of any instruction or notifications sent through this website.  Please always use at least two other methods of verification prior to placing an order.

Investors have a wide range of options to choose from when entering trading markets.  The products under these options have their own set of benefits and risks which investors need to know about and evaluate before making their decision to purchase them.  Even the profits and costs with these metals differ and are an important consideration.  There may also be taxable consequences to gains and losses.  We do not provide tax advice.  We do not train traders.  You should consult a professional prior to entering the market if you are unsure about the potential risks associated with trading.

As part of continuing efforts to promote the interests of their clients, Treasury Vault firmly believes and recommends diversification of your portfolio.  It is the essence of a good portfolio not to have all money invested in a particular product.  Each market has a different recommendation in terms of percentages, but trading in various currency and commodities markets should not be your only investment.  If you have any doubts about the extent of your involvement, please consult an independent financial advisor.  Trading in general should not be transitory.  Whether purchasing short or long, you must be prepared to hold you position.  There are no guaranteed profits in the market.  For every winner, there is a loser.  If you walk into a room and there are five winners already there, you are the loser.  With a longer holding period chances of profit increase though this may not be true for every product that you might invest in.

Treasury Vault does not encourage trading of one product for another or one currency for another; as such transactions make the customer pay the bid/ask spread for both the original and the product being traded for.  There is uncertainty regarding both products, as no one knows which one will outperform the other.  Treasury Vault, at its discretion, may facilitate trade from one product or currency to another to help customers.  It is imperative for customers to know about all the consequences arising from such transactions.

At Treasury Vault purchase of semi-numismatics and certified coins can be made through bank wire transfers or checks (Up to two weeks to clear check and lock in price).  The prices of the bullion will only be fixed once payment has been received.  For customers, prices of pre-1933 gold and silver raw or certified coins are fixed at the time of placement of order.  For pre-1933 gold and silver raw or certified coins, prices are locked in by for a period of two working days during which the customer will arrange for payment.  Failing to do so will result in a cancelled order and subject to a 3% restocking fee.  Treasury Vault is also entitled to recover the transactions by liquidating a customer’s stored holdings.  Orders of bullion will be final only upon confirmation and no refund will be made on these products.  For first time customers they can exercise the option of canceling their certified coin transaction within three days of confirmation of the transaction.  Subsequent orders of coins and bullion will be final after verbal confirmation and no refund will be issued under any circumstances.  We will however offer to buy back the metals at our current cost.

For currency trades, your order will be shipped the day after payment is received.  It is not a guarantee but our company policy.  For commodities, the orders paid via checks are shipped only after twelfth business days from the day of receipt of payment.  Orders paid through online transfer will have lesser shipping time, generally 3 to 5 business days after the account has funded.  This depends on the inventory and availability of the product and may take up to 8 weeks.  At times certain factors that are beyond the control of Treasury Vault might result in delay of shipment longer than 8 weeks.  Treasury Vault cannot guarantee shipping times on all orders but tries to ensure speedy delivery of products and our current delivery average is six days after accounts fund.

All orders of Treasury Vault are fully insured from the time they are securely packed until they are delivered to the recipient.  There may be weekend days, holidays or other normal interruptions in ship time.  We also cannot guarantee that once delivered to UPS, FedEx, USPS or other carrier that they will deliver on time.  Any lost or damaged shipment will be replaced at Treasury Vault’s discretion which can be in form of full refund of customer’s purchase price or replacement of the product.  No refund will be made in case of refusal by the recipient to accept the package, which will stand to be liquidated at the then current bid prices.  To address any discrepancies to Treasury Vault, customers are requested to do so within three days of receipt of package.  After three days Treasury Vault will consider that all deliveries were received as ordered and no issues will be addressed.

At Treasury Vault, prices are set internally and keep changing with respect to market conditions.  Fluctuations in demand and supply is just one of the determinants for pricing of the products.  The term bid/ask spread is the differences between our selling prices called ask and buy price (bid).  Commonly the spread ranges from 1% to 5% for bullion and 1% to 11% for pre-1933 gold and silver coins.  These spreads are also variable and may increase or decrease with the bid changing such that value of coins may increase or decrease than its earlier buy price, subsequently affecting the ask price and the spread.  To make profits it is essential to have the bid price less than the ask price and hence have a positive spread.  Consider a bullion coin purchased for $1500 at a 5% spread.  This means that bid price was $1425 and there must be an appreciation of more than $75 before it can be sold for profit.  Take another example of a numismatic coin purchased for $500 at a 10% spread had its bid price at $450 and must appreciate by $50 for profits to be realized.

Treasury Vault helps investors sell their coins by buying them back at the then current bid prices and does not charge any liquidation fees for the same.  By creating a two-way market you can choose to sell the coins that you bought from us back to us at the buyback (bid) price that we have to offer.  Though you can sell your coins elsewhere it has often been found that our prices are higher than those available in the market.  Again our bid prices are determined by varying market conditions, inventory, demand and supply or other economic factors.  Though we are known to offer best prices on these products we do not guarantee profits will be made when selling coins back to us.  At times when our inventories are at what we deem to be at maximum capacity and we are not presently buying the type of metal you are wanting to sell, we will broker the transaction for you for free, meaning we will sell it for you through our resources.  There are custodians through whom physical gold Independent Retirement Account (IRA) transactions can be conducted and we recommend these to our customers.  These companies are in no way part of Treasury Vault and are not controlled by Treasury Vault, and we share no responsibility for dispute arising between customers of Treasury Vault and such custodians.  Selection of an IRA custodian should be done with due diligence.

Currencies and commodities are part of a volatile market that is speculative and somewhat unregulated.  There is certain degree of risk that is involved with such trading.  There is no such thing as an accurate growth projections, no matter whether they are calculated in the most scientific manner considering past performances, research and analysis.  There is no guarantee that past performance will equal future growth.  With the dynamic environment and constant changes happening in laws and regulations, we at Treasury Vault try to provide a retail outlet only.  There is an element of risk associated with such trading and all investors are advised to carefully study and understand the risks associated before making trades.  The pricing of bullion differs from that of coins and semi-numismatics.  Bullion bars and coins are mostly priced as per the value of metal whereas numerous factors such as availability, supply, demand, economic conditions contribute to the value of coins and semi-numismatics.  Grades and descriptions of coins are based on opinions on basis of standards and their interpretations, which can change over a period of time.

People all over the world talk about the “RV”.  There may or may not be a revaluation for any currency.  We don’t know.  No one knows.  There may be a violent overthrow of any given government and the value of the currency may be non-existent.  We do not speculate.  We are just a retailer.  There are plenty on sources available online of you are interested in speculation.  The bottom line is that any currency trading is unpredictable.  Past historical events bear no relationship to what may or may not happen in a country today.

Treasury Vault takes pride in having one of finest staff dedicated to customer service and helping you achieve your goals.  Our knowledgeable and vastly experienced Account Executives are important part of our business.  Treasury Vault realizes its responsibility towards customers and despite most of the executives being experienced sales people it does not allow its Account Executives to advise on the purchase or sale of any assets other than those offered by Treasury Vault.  All executives are not permitted to suggest things that are different from the relevant document, agreement or policies.  Any statement, guarantees made by an Account Executive against the terms mentioned here or on the website in general is not binding on the company.  We recommend consulting a licensed adviser for issues related to liquidation of current investments and taxation.

To ensure your investments are safe and secured there are certain steps that can help you in achieving this.  Having provisions for storage and safe keeping is extremely important before making purchase of precious metals or physical currency.  The metals or currency to be liquidated should be sent via registered, insured US mail to Treasury Vault AFTER you have received a purchase order agreement from Treasury Vault.  These packages will be the responsibility of the sender until they are received by the Treasury Vault employee.  Any damage or loss during transit will not be the responsibility of Treasury Vault.  The packages should have no mention of currency, coins and precious metals as this may hamper the safety of the package.  Do not tell carrier or post office personnel what you are shipping.  We monitor the telephone calls and record them for ensuring complete customer service and avoiding any foul play.  The people who contact us are contacted back with the information they want.  Treasury Vault has the right to contact you even if you are listed on the Do Not Call registries. If you wish not to be contacted by Treasury Vault, please request to be placed on our Do Not Call list.  Treasury Vault reserves the right to amend or alter this document, along with storage agreements, marketing materials, company policies and other company information.  We regularly post these updated documents on our website www.treasuryvault.com for your reference.  Kindly go through these updated documents from time to time to keep yourself updated on the latest developments.  You can also download them from our website mentioned above.  Contact us at 1-888-348-2441 to report any discrepancies or contradiction with the policies and procedures set forth in this document.

At Treasury Vault, you can be assured of genuine quality of coins, we expressly disclaim any other warranties, even if implied.  Despite of the opinions expressed and suggestions made by Treasury Vault, all investors should personally educate themselves and consider all the risks before trading.  We Offer No Tax Advice – Treasury Vault does not offer tax advice.  It is best that certified accountants address the questions on tax liability and benefits. There might be tax benefits or detriments related to the trade and the product itself.  Please consult a certified accountant about any and all trades, including the sale for profit.  Treasury Vault has litigators on staff.  Please be advised that the prevailing party, if there is litigation, may be entitled to attorney’s fees.  Please be advised that your damages are limited to actual damages.  This site is not intended for distribution, or use by, any person in any country where such distribution or use would be contrary to local law or regulation.  None of the services or products referred to in this website are available to persons residing in any country where the provision of such services or investments would be contrary to local law or regulation.  It is the responsibility of visitors to this website to ascertain the terms of and comply with any local law or regulation to which they are subject.
For individual purchases exceeding $10,000 USD, identification must be received prior to payment being processed.

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