Photos of products are a representation of the item you will receive and may or may not be the actual item you will receive. Please use the photos as an indicator of the general quality of the item you will receive and review the product page for any additional details regarding the condition of the item.

All Prices are subject to change due to market changes.

We reserve the right to refuse an order if the quoted price of an item is incorrect due to typographical, technical, or system error.

We reserve the right to accept or reject any order.

Once an Order is placed through ProvidentMetals.com, you have entered into a legally binding agreement. Once your order is confirmed with a confirmation number, You cannot cancel the confirmed order.  At any time before your confirmed order has been shipped, You may, however, offset your confirmed order and you will become subject to ProvidentMetals.com’s Market Loss Policy.

The following Payment Options are available

Payment Type	Amount	Cash Discount (what is this?)
Bank Wire	Over $2,000	Yes
Personal Check	Orders $1-$20,000	Yes
Cashier’s Checks	Orders $1- $20,000	Yes
Money Orders	Orders $1- $20,000	Yes
Credit Card	Online orders $1-$1,500 Call during business hours to place credit card orders over $1,500 Credit card orders do not qualify for cash discounted pricing	No

If you would like to place a credit card order over $1,500, you will need to call during normal business hours of 7am - 7pm Monday through Thursday and 7am - 5pm on Friday. It will be subject to a $12.95 fee for Restricted Delivery. Restricted Delivery requires identification to be shown upon receipt of your package. These additional measures are being taken to protect our customers from fraudulent activity and to allow Provident Metals to continue to offer the most competitive prices in the industry. To avoid this fee and get a cash discount, please pay with a bank wire, money order, cashier's check, or personal check.

If you do not submit payment in full within 1 business day for Bank Wire payments or postmark your Personal Checks, Cashier’s Checks or Money Orders within 1 business day, we may at our discretion, offset your order and implement the conditions of our Market Loss Policy. For Bank Wire orders, wiring instructions will be sent within 1 hour during regular business hours Monday through Friday, and by Monday morning if the order is placed over the weekend.

All Cashier’s Checks, Bank Money Orders and Personal Checks are held a minimum of 6 business days. Due to recent changes in privacy laws, banks cannot provide verification of funds which has led to longer personal check processing times. The problem lies in the fact that while it is "available" in our account, it hasn't fully cleared your account. If there are insufficient funds in one's account, we will not find out until the 5th business day and that is why we have to wait until the 6th business day to process orders paid for by personal check. While the funds were available in our account on the 2nd or 3rd business day after depositing, they would be deducted from our account on that 5th business day and that is why all checks are held a minimum of 6 business days. If this is unacceptable to you please take advantage of electronic or bank wire payment options. Most banks offer bank wire processing through any branch location. See your local bank for further details on wiring procedures.

Bill pay is an accepted form of payment. You do not need an account number to do this. Your bank will simply issue a paper check, and it will be processed in the same manner as a personal check.

All orders paid via credit card, Postal Money Order or bank wire are put into the processing queue immediately.

We offer a refund on non-bullion returned items up to 3 days from the day you received your items. Items are not returnable if they have been removed from original or shipped packaging. To return any items, you must have your original packing slip. All returns on credit card orders will be charged a 5% re-stocking fee. Shipping charges are non-refundable.

Bullion items are not returnable, but may be sold back to Provident at our current “bid” price.

Lost packages will receive a refund no sooner than 30 days after the shipment date or be re-shipped at our discretion. If there is an issue with your order such as missing or damaged items, we need to be contacted within 5 business days of the receipt of your package.

Packages returned to us that remain unclaimed for 60 days from the date of purchase will be refunded 95% of the subtotal of the order.

Orders are shipped only after receipt of good funds. Orders paid by bank wire, credit card or postal money orders usually ship within 3-5 business days. Orders paid by personal check, cashier’s check or bank money order are held until funds fully clear (at least 6 business days and as many as 10 business days) before processing.

A majority of orders are shipped via USPS. FedEx, UPS and Brinks are also used on occasion at our discretion. If you would like to use a specific shipping service, please contact Customer Service at (877) 429-8790 for a custom shipping quote.

All orders are shipped fully insured.

Multiple orders cannot be combined to save on shipping or for any other purpose.

All packages over $50 require a signature to be received.

All packages shipped via USPS will be shipped First Class, Priority or Express Mail.

All orders totaling $5,000 or more will be shipped USPS Priority Registered Mail.

You will be notified by email when your package(s) ships. To protect our customers and Provident Metals from possible fraudulent activity, we do not provide tracking numbers on orders placed with credit cards.

All packages are shipped securely in inconspicuous packaging and give no indication of contents. Boxes may or may not be addressed from “Provident”.

Some oversized packages may be shipped Federal Express or UPS.

We offer flat rate shipping based upon each order’s subtotal.

Shipping rates are as follows:

Order Sub-Total	Shipping Rate
$0-$99.99	$5.95
$100-$499.99	$8.95
$500-$1,999.99	$11.95
$2,000-$4,999.99	$16.95
$5,000 +	$24.95

International Shipping - We are currently shipping to Canada, but these orders cannot be placed online. All Canadian customers must call during our regular business hours to place their orders. Acceptable payment methods are limited to wire transfers, bank drafts, cashiers checks, and money orders for international orders. At this time we may ship to other countries on a case-by-case basis depending on USPS/UPS/FedEx shipping policies.  Additional costs may be incurred.  Please call during normal business hours to check if shipping to your country can be done. See our FAQ page for more information on international shipping.

When purchasing from Provident, once Your order is confirmed with a confirmation number, the price for the product(s) included in Your confirmed order (the “Confirmed Purchase Price”) is established for You.  You cannot cancel the confirmed order.  However, at any time after Your confirmed order has been paid, but before it has been shipped, the Confirmed Purchase Price may be offset (product sold back to Provident) at Provident’s lowest asking price on the day that Provident receives Your written request for such an offsetting transaction (the “Offset Amount”).  An email from the email address in your account information will be accepted as a written request.  If payment in full for Your confirmed order is not postmarked within 1 business day after Your order is confirmed for Personal Check, Cashier’s Check, or Money Order transactions, or received within 1 business day after Your order is confirmed for Bank Wire transactions, Your confirmed order may be offset and the Offset Amount will be determined as of the last day upon which payment would have been timely.  If the Offset Amount is less than the Confirmed Purchase Price, such deficiency is your responsibility, and You shall remain liable to Provident for that amount.  For any offsetting transaction, a $35 administrative fee will be charged to You and Provident shall have no liability to You for the product(s) included in Your confirmed order.  Any market gain on any offsetting transactions shall remain the sole property of Provident.

When selling to Provident, once Your sell offer is confirmed with a confirmation number, the price for the product(s) included in Your confirmed sell (the “Confirmed Sell Price”) is established for You, and You cannot cancel the confirmed sell.  If Provident does not receive from You a tracking number for the shipment of the product(s) within 1 business day after the sell is confirmed, the Confirmed Sell Price may be offset (product repurchased by You) at Provident’s highest buy price on the first business day following the day Your sell offer was confirmed (the “Offset Repurchase Price”).  If the Offset Repurchase Price is greater than the Confirmed Sell Price, You shall be liable to Provident for the difference. For any offsetting transaction, a $35 administrative fee will be charged to You.  Any market gain on any offsetting transaction shall remain the sole property of Provident.

In addition to those rights and remedies available to Provident under this User Agreement and/or otherwise, if, at any time, You fail to comply with any term of this User Agreement, Provident may cancel any pending order from You, whether such pending order be for a purchase or sell order and whether confirmed or not.  In the event that Provident chooses to cancel an order from You, Your exclusive remedy and Provident’s entire liability, if any, in connection with such cancellation is, in the case of a purchase order, a refund of the amount that You paid in the transaction, if any, or (2) in the case of a sell order, return of the items received by Provident that were included in the transaction, if any.

Notwithstanding Provident’s liability, if any, in connection with its cancellation of an order, Provident may apply any of Your funds in its possession to pay any of Your monetary obligations to Provident, and may offset any monetary obligations that Provident has to You against any monetary obligations You have to Provident.

Provident respects Your privacy. We will never willfully disclose individually identifiable information about our customers to any third party.

Privacy Philosophy

Provident respects Your privacy. Provident does not sell, rent, or loan any identifiable information regarding its customers to any third party. Any information You give us is held in the utmost care and security, and will not be used in ways to which You have not consented.

Use of Information Gathered

Provident will not collect any personal information about individuals except when specifically and knowingly provided by such individuals. Examples of such information are: name, postal address, email address, phone number, and credit card information. This is needed in order to complete Your orders. Provident may share non-personal aggregate or summary information regarding its customers with partners or other third parties, but Provident does not sell or share any information at the individual customer level.

Subject to Applicable Laws and Regulations

This Privacy Policy is subject to applicable law and applicable regulations.