1. THE AGREEMENT

SLVR is an online marketplace for collectible coins and bullion, operated by SLVR Partners LLC ("SLVR," "we," "us," "our"). These Terms of Service (the "Terms") govern your access to and use of slvr.ag and everything we offer through it (the "Services"): the marketplace, SLVR token and cash balances, cash withdrawals, collector-to-collector swaps and trades, member messaging, seller tools including listing import and eBay listing sync, the dealer API, and the emails we send you. "You" means the person who accepts these Terms and holds the account.

Members buy and sell from each other on SLVR. For marketplace listings, SLVR is the venue, not the seller: we do not own, hold, grade, or take title to the coins and bullion items that members list. That is separate from the silver bullion SLVR holds as backing for SLVR tokens, which Section 5 describes and which is never offered for sale on the marketplace.

Five documents together form your agreement with us:

• These Terms.
• The SLVR Privacy Policy.
• The SLVR Buyer & Seller Agreement.
• The SLVR Prohibited Items Policy.
• The SLVR eBay Sync Addendum, which applies only if you connect an eBay account.

How you accept.You accept these Terms, the Privacy Policy, and the Buyer & Seller Agreement when you create an account, and you accept the eBay Sync Addendum when you connect an eBay account. Each time you accept, we record which document and version you accepted, a cryptographic hash of the exact text you were shown, the time, your IP address, and your browser user agent. That record is how either of us can establish later what you actually agreed to.

The Prohibited Items Policy is not on that list, and it still binds you. There is no separate acceptance step for it: these Terms and the Buyer & Seller Agreement incorporate it, and that incorporation is what binds you. The signup form asks you to accept three documents, not four. When you create an account we nonetheless record the version of the Prohibited Items Policy in force at that moment, together with a hash of its exact text, so four consent records are written at signup rather than three — not because that policy was put in front of you, but so that the list you were bound to can be established later. Section 8 of the Prohibited Items Policy says the same thing from its own side.

Where SLVR is offered. SLVR is offered only in the United States, to people in the United States, and this agreement is written for United States law. We do not offer the Services anywhere else and do not market them outside the US.

2. ORDER OF PRECEDENCE AND ENTIRE AGREEMENT

Where two of these documents cover the same ground and say different things, the more specific document controls within its own subject matter, and these Terms control everything else:

• The Privacy Policy (/privacy) controls personal information: what we collect, how we use it, who receives it, how long we keep it, and your privacy rights.
• The Buyer & Seller Agreement (/buyer-seller-agreement) controls transactions: orders, payment, shipping, delivery, returns, cancellations, swaps, trades, and order disputes between members.
• The Prohibited Items Policy (/prohibited-items) controls what may and may not be listed on SLVR.
• The eBay Sync Addendum (/ebay-sync-addendum) controls the eBay connection and the data that moves through it.

These Terms govern anything the subordinate documents do not address, and they alone govern eligibility, accounts, SLVR tokens and balances, fees, cash withdrawals, acceptable use, intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution. Sections 14, 15, 16, and 17 of these Terms apply to every part of the Services, including matters otherwise governed by a subordinate document, unless that document expressly says otherwise.

Entire agreement. These five documents are the entire agreement between you and SLVR about the Services, and they supersede every earlier or contemporaneous understanding, representation, marketing statement, or agreement on the same subject. This is the only one of the five that carries an entire-agreement clause; the subordinate documents do not, so nothing in them can be read to displace the rest of this agreement. Additional terms may be presented when you enable a specific feature, and where they are, they add to this agreement rather than replace it.

3. WHO MAY USE SLVR

To hold an account you must be at least 18 years old, a resident of the United States, and able to receive shipments at a United States address. When you sign up you confirm the first two in these words: "I am at least 18 years old and a resident of the United States." That confirmation is a representation you make to us, and we rely on it.

There is no route onto SLVR for anyone under 18, with or without a parent’s permission. If we learn that an account holder is under 18, we close the account and delete their personal information other than records we must keep.

We also check the country your connection appears to originate from when you sign up, and we store that country with your account. Be clear about the limits of that: we do not ask for your date of birth, and we do not run a third-party age, identity, or background check. We rely on what you tell us. If we have reason to believe you are not eligible, we may ask you for evidence and may suspend your account until we get it.

One account per person.Do not open a second account, and do not open an account for someone who is suspended or closed. We may close duplicate accounts. If you accept these Terms on behalf of a business, you confirm you are authorized to bind it, and "you" means both you and that business.

4. YOUR ACCOUNT AND SECURITY

Give us accurate, current, and complete information when you register, and keep it that way — particularly your email address, which is where legal notices, security alerts, and order updates go, and your shipping address, which is what gets printed on labels.

You are responsible for everything that happens under your account. Keep your password and your email account secure. We email you when a device we have not seen before signs in, and you can end sessions from your account settings, including signing out everywhere at once. Tell us at help@slvr.ag immediately if you think someone else has access. We are not liable for loss caused by someone else using your credentials before you tell us, except to the extent the law says otherwise.

Administrative access. SLVR administrators can sign in to the Services as you, to reproduce a problem you reported, to help you finish something, or to investigate fraud or a disputed transaction. It does not require your permission and we do not notify you when it happens. Every such session is written to our audit log, and while signed in as you an administrator is blocked by the system from changing your password, adding a bank account, changing a bank account, deleting a bank account, selling SLVR tokens, and checking out on the marketplace. Selling is the one on that list that moves money off the platform — a sale sends the proceeds to your bank — so blocking it blocks the payout too. Section 8 of the Privacy Policy describes this in full.

Rate limits. We limit how often a single account or address can call the Services, and sensitive operations are limited more tightly. Do not try to work around those limits.

5. SLVR TOKENS AND BALANCES

Read this section carefully. SLVR tokens really are backed by silver — but how that backing is held, and what it does not give you, is the part of this agreement people most often get wrong.

a) What a SLVR token is

A SLVR token is a prepaid credit for use on the SLVR platform, and it is backed by physical silver: for each token in circulation, SLVR holds one gram of physical silver bullion as backing. You buy tokens from us with a card or a bank transfer, you spend them on the marketplace, and you can sell them back to us for dollars, which go to your bank account. The buy and sell prices we quote are calculated from the silver spot price for one gram, so a token tracks one gram of silver on the way in and on the way out.

How the backing is held. The backing silver is held in a single pooled holding. It is not allocated to you, not segregated into an account in your name, not serialized, and not titled to any member.Your token balance is a number in SLVR’s records; it does not identify or attach to any particular bar, coin, or quantity of metal, and the Services do not record reserves against individual members. Do not read your balance as a receipt for specific silver.

Custody and audit documentation. SLVR does not publish, and this agreement does not promise you, any audit, attestation, proof-of-reserves report, vault or custodian statement, or certificate of insurance concerning the backing silver. Do not assume any such document exists, or that we will produce one on request.

b) What a SLVR token is not

• A token is not redeemable for physical silver. You cannot take delivery of metal by redeeming tokens, we do not ship, allocate, or release bullion to members, and there is no physical delivery today. Tokens redeem for dollars only, at the sell price in Section 5(c). You do not own, and you do not hold legal or beneficial title to, any specific silver. If you want physical silver in your hands, buy a coin or a bullion item from a seller on the marketplace.
• We make no representation that a SLVR token falls outside the securities or commodities laws. Whether an instrument like this is a security, a commodity interest, or neither is a legal question that turns on the facts and on how regulators and courts treat a pooled, unallocated arrangement, and it has not been settled for SLVR tokens by any court or agency. We do not register tokens with any regulator, we do not act as a broker, dealer, exchange, or investment adviser in offering them, and nothing SLVR says — here or in its marketing — is legal advice about their characterization or a promise of any regulatory treatment. If that question matters to your decision, take your own advice before you buy.
• A token balance and a cash balance are not a deposit account and not legal tender. They are entries in SLVR’s own records, they are not held for you in a segregated, custodial, or trust account, and they are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation, or any other government agency or private insurer.
• You are an unsecured creditor of SLVR. Because the backing silver is pooled and unallocated, no member holds title to any identified metal. What you hold is a general contractual claim against SLVR — for platform credit, and for dollars at the sell price — not a property right in silver and not a secured claim. If SLVR were to fail, you would rank as a general unsecured creditor behind secured and priority claims, and we do not promise that the backing silver would be set aside for token holders ahead of anyone else.
• Tokens are not transferable. You cannot send, assign, gift, sell, or pledge them to another person outside a marketplace purchase, swap, or trade on SLVR.

c) Our prices, and the spread between them

We sell tokens to you above the silver spot price and buy them back below it. The standard rates are:

• You buy at spot plus 6%. Dealer-tier members buy at spot plus 5.5%.
• You sell back at spot minus 2%. Dealer-tier members sell back at spot minus 1.5%.

This means an immediate round trip loses you money, and we want you to see the number. At an unchanged spot price, buying tokens and selling them straight back returns roughly 92.5% of what you paid — a round-trip cost of about 7.5%. Worked example: pay $1,000 for tokens at spot plus 6%, then sell those same tokens back at spot minus 2% with the spot price unchanged, and you receive about $925. Pay by card and the processing charge in Section 6 comes on top, so you would be roughly $105 down on a $1,029.90 charge. At dealer rates the round trip returns about 93.4%. If you buy tokens and sell them back without transacting on the marketplace, you will get back less than you put in, and that is true no matter what the silver market does in between. The spread is how SLVR earns; Section 6 sets out every fee.

Those are our standard rates. We may offer you different rates for a limited period — for example a temporary improvement on the sell price — and where we do, the rate shown to you at the time of the transaction is the rate that applies. We may change the standard rates for the future under Section 19; a change never applies to a transaction already completed.

d) The value of your balance can fall

Because our prices are calculated from the silver spot price, the dollar value of a token balance moves with the silver market and can go down as well as up, potentially by a lot and without warning. You bear that risk entirely. We do not guarantee any value, floor, or return, and nothing on SLVR is investment, tax, or legal advice. Past silver prices do not predict future ones.

e) Tier benefits depend on holding a balance

SLVR tiers are not something you buy. Collector Pro requires you to hold at least 100 SLVR tokens, and its benefits — unlimited listings, listing performance insights, priority support, improved exchange rates, portfolio tools — are contingent on that balance. Spend or sell your tokens below 100 and you can lose Collector Pro and everything that comes with it. There is a short grace period before a shortfall takes effect, but it is not a guarantee. Dealer status is different: it is granted on application and is not derived from your balance. We may change tier thresholds and benefits under Section 19.

f) Buying, selling, and pricing mechanics

• Purchases run through Stripe. Card details and bank credentials go to Stripe on Stripe-hosted pages; we never receive your full card number or your online banking credentials.
• Transaction size. Our limits are set in dollars rather than in tokens, and the token amounts you are shown are worked out from the price at the moment you transact. A purchase must be for at least $10, and there is a ceiling on a single purchase, which the buy page states before you pay. A sale must be for at least $10, which is also the smallest payout you can trigger; there is no ceiling on a sale, because you can only sell what you hold.
• Bank transfers settle before tokens appear. Pay by ACH bank transfer and your tokens are credited only after the transfer settles, usually 1–3 business days. Card purchases credit on payment.
• The price is re-checked on our side. When you submit, we recompute the price from the live quote. If the market has moved beyond a small tolerance, we refuse the transaction and ask you to refresh rather than filling it at a stale price.
• Selling is what sends money to your bank. There is no second step and nothing to ask us for: a sale creates a payout to the bank account on your file, for the whole of the proceeds, at the moment you sell. Section 7 sets out what that commits you to.
• Starter tokens. New collectors may receive a one-time grant of 25 SLVR tokens after confirming their email address. That grant is the same 25 whether they join through regular signup or a World's Fair claim; the two never stack. Starter tokens are locked until the account is 6 months old or the member has purchased at least 100 SLVR. After unlock they may be spent on marketplace coins only. They cannot be sold, traded, or swapped. Promotional grants are discretionary, are not purchased, and we may decline, limit, or reverse them where an account is used abusively or duplicated.

g) Refunds, reversals, and clawback

Once tokens are credited to your account, the purchase is final and non-refundable except where the law requires otherwise or we agree to a refund. If we do refund a token purchase, the amount returned is what you paid, less payment-processing fees our provider keeps and we cannot recover.

If a payment for tokens is refunded, reversed, or charged back, we may debit the corresponding tokens back out of your account, in proportion to the amount reversed, and we may suspend further token purchases on the account. If your balance is too low to cover the debit, you owe us the shortfall, and we may recover it from later balances. Do not dispute a charge with your bank as a way of getting a refund from us — contact us first at help@slvr.ag.

6. FEES

SLVR does not charge a recurring membership fee, and there is nothing to cancel. Here is every fee, in full:

• No marketplace commission. We take no cut of a coin sale, from either side.
• No listing fee. Listing a coin costs nothing.
• No buyer premium. The price on the listing is the price.
• How SLVR makes money: the exchange spread. We earn the difference between the price at which we sell you tokens and the price at which we buy them back — the standard 6% over spot and 2% under spot in Section 5(c), or 5.5% and 1.5% at dealer rates. That spread is our revenue, and Section 5(c) states what it costs you.
• Card processing surcharge: 2.99%. Buying tokens by card adds a 2.99% processing charge, shown as its own line at checkout before you pay.
• ACH bank transfer: no surcharge. Paying by bank transfer avoids the 2.99% entirely.
• Payouts to your bank are free. We deduct nothing from a payout; the whole of what a sale produces at the sell price goes to your bank.
• Shipping is the seller’s cost. The seller buys the shipping label and pays for it — charged in SLVR tokens at the time the label is bought, or by card where the seller chooses to pay that way. If a label paid for in SLVR tokens fails to issue, those tokens go back automatically. A card payment for a label that fails to issue is not reversed automatically — email help@slvr.ag with the order. Section 6 of the Buyer & Seller Agreement sets out the same mechanic in full and governs who bears shipping on a return.
• Sales tax. Applicable sales or use tax may be added to a token purchase and is calculated at checkout by our payment provider.

Your own bank or card issuer may charge you separately; that is between you and them. We may introduce or change fees under Section 19, and a new or changed fee applies only to transactions after it takes effect.

7. CASH BALANCES AND PAYOUTS TO YOUR BANK

Where a cash balance comes from. Selling SLVR tokens back to us is the only thing that creates a cash balance. Note what that means for sellers: proceeds from a coin you sell on the marketplace are paid to you in SLVR tokens, not in cash. To turn them into cash you sell those tokens at the sell price in Section 5(c), and the spread applies.

Adding a bank account, before you sell anything. A sale pays out to a bank account, so you cannot sell tokens at all until you have one on file: account holder name, bank name, account type, a nine-digit routing number, an account number, and the legal address associated with that account. We encrypt the account number, routing number, holder name, and bank name at rest and show you only a masked version. It must be an account in the United States that you own or are authorized to use. We do not send money to a third party’s account, and we do not check whether the name you give matches the account, so it is on you to get the details right. We refuse a sale outright if you have no bank account on file, and we refuse it again if the account it would pay out to is missing its legal address.

Selling is the withdrawal. There is no withdrawal to request, no queue to join, and no amount for you to name. Selling tokens is itself the instruction to pay you: at the moment the sale goes through we credit your cash balance with the net proceeds and, in the same instant and for the same amount, create a payout to your bank. The smallest sale we accept is about $10, so in practice that is the smallest payout. A copy of the legal address on the destination account is saved with the payout. Sell more than once before the money goes out and the sales to the same account are added together into a single payout.

What a cash balance actually is. It is not spending money. A cash balance is a record of what we already owe your bank, and it equals the payouts of yours that have not yet gone out. You cannot spend it on the marketplace, and you cannot turn it back into tokens. It comes off your balance when the payout leaves us.

You cannot take it back. Once a sale goes through you no longer choose the amount, the destination, or the timing. The destination is fixed at the moment you sell — the account you pick, or your primary account if you pick none — and it cannot be changed afterwards. There is no cancel step anywhere in the Services, so a payout cannot be called back once the sale has gone through, by you or by us on request. Decide before you sell, not after.

How the money reaches you, and when we can stop it. A person at SLVR makes each bank transfer and marks it sent; money does not leave on its own, and it reaches you by bank transfer rather than instantly. We may ask you for more information before paying, and we may hold a payout while we investigate suspected fraud, a chargeback or payment reversal, a breach of this agreement, or a legal or court obligation. We may also switch cash withdrawals off for an account, and while they are off we refuse the sale itself rather than the payout, so you keep your tokens instead of having proceeds stranded. Where we refuse to pay one out at all, the amount stays on your cash balance as money we owe you, and Section 15 confirms that nothing in this agreement caps our obligation to return it. We do not promise a processing time, and we do not pay interest on any balance.

If a transfer comes back. If your bank returns a payment to us, we re-open it as a payout to the same account, try again, and tell you that we have. The amount stays on your cash balance in the meantime. It does not become money you can spend or send somewhere else, because it never was.

Taxes.You are responsible for determining, reporting, and paying any tax on what you earn through SLVR, including on sales and on gains. Where the law requires us to report payments to a tax authority or to issue you an information return, we will, and we may need your taxpayer identification number before we can pay you. Reporting thresholds are set by federal and state law, they differ from state to state, and they change — check the current rules rather than relying on a figure quoted here, which is why we do not quote one. We do not give tax advice.

8. ACCEPTABLE USE

Use SLVR lawfully and honestly. Specifically, you may not:

• Impersonate anyone, sign up under a false identity, or use a payment method or bank account you are not authorized to use.
• Use SLVR to launder money, to move the proceeds of crime, or to evade sanctions, tax, or any other legal obligation.
• List an item you do not have, do not own, or cannot lawfully sell, or anything the Prohibited Items Policy forbids.
• Misrepresent a coin — its grade, certification, authenticity, provenance, weight, composition, or condition — or use photographs that are not of the item you are selling.
• Steer a transaction off SLVR to avoid our payment flow, our records, or our dispute process, or ask another member to pay you directly.
• Manipulate prices, tiers, ratings, or reviews; transact between accounts you control; place orders you do not intend to complete; or leave or solicit feedback that does not reflect a real transaction.
• Spam, harass, threaten, or abuse other members through listings, messages, offers, swaps, or trades.
• Use the listing importer against a site you have no right to copy from, or submit content you do not have the right to publish. You are responsible for what you import.
• Scrape, crawl, or bulk-extract the Services other than through the dealer API and within its terms; circumvent rate limits, caching, or access controls; probe or test our security without written permission; or reverse engineer the Services.
• Introduce malware, interfere with the Services, or attempt to reach an account, order, or record that is not yours.
• Infringe anyone’s copyright, trademark, or other rights, or post anything unlawful.

Dealer API keys. If you hold an API key, it is yours alone: keep it secret, do not share or resell access, and tell us at once if it is exposed. You are responsible for everything done with your key. We may revoke a key at any time.

What we may do about a violation. We may remove or unlist a listing, cancel or reverse a transaction, restrict a feature, hold a payout or switch cash withdrawals off for an account entirely, suspend or close an account, and report conduct to law enforcement. We do not promise to monitor the Services, and not acting on one violation does not waive our right to act on another.

9. YOUR CONTENT AND THE LICENSE YOU GRANT US

"Your Content" means what you submit to SLVR: listing photographs and text, profile images and text, swap and trade posts, messages, reviews and feedback, dispute evidence, and anything else you upload or write. You keep ownership of Your Content. We claim no ownership in it.

The license. You grant SLVR a non-exclusive, royalty-free, worldwide license to host, store, back up, reproduce, resize, reformat, display, transmit, and distribute Your Content for the purpose of operating, securing, supporting, and marketing the SLVR marketplace. In practice that means showing your listing and profile on SLVR and on public pages, in search results, previews, and link cards, and featuring listings and the marketplace in SLVR’s own promotional material.

The license is sublicensable only to the service providers who host, process, or deliver Your Content for us — our hosting, storage, email, and content-delivery providers, and the AI extraction providers described in Section 5 of the Privacy Policy— and to a platform you yourself direct us to publish to, such as eBay or CAC Marketplace when you use listing sync.

What this license does not permit. We may not sell Your Content, license it to anyone for their own independent use, or use it to advertise a product that is not SLVR. We may not create derivative works of it beyond the cropping, resizing, compression, and formatting needed to display and deliver it.

How long it lasts. The license ends when you delete the content or close your account. One exception survives:content that forms part of a completed transaction record — the photographs and description attached to an order, swap, trade, or dispute — stays under this license for as long as we retain that record, so we can evidence and defend the transaction and meet our record-keeping obligations. Section 10 of the Privacy Policy sets out how long that is.

Your promises about Your Content.You represent that (i) you own it or otherwise have the right to grant this license; (ii) it does not infringe anyone’s intellectual property, privacy, or other rights; (iii) it accurately describes the item you are offering; and (iv) it does not imply endorsement, affiliation, or approval by SLVR, or by any grading service, mint, auction house, or other business, without that party’s written consent.

Feedback. Please do not send us confidential or proprietary information. If you volunteer a suggestion or idea about the Services, we may use it without obligation, attribution, or payment. That applies to suggestions only; it gives us no rights in Your Content beyond the license above.

10. OUR INTELLECTUAL PROPERTY

The Services and everything in them other than Your Content and other members’ content — the software, design, text, graphics, layout, compilations, databases, and their selection and arrangement — belong to SLVR or our licensors and are protected by copyright and other laws.

Your license from us. While your account is in good standing, we grant you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services to buy, sell, swap, and trade on SLVR, subject to this agreement. That is the whole of it: no other right is granted, by implication, estoppel, or otherwise.

Trademarks. SLVR and our logos are our marks. Nothing here grants you a license to use them, and any goodwill from their use belongs to us. You may of course refer to SLVR by name to describe your listings or your store truthfully.

Assignment. You may not assign this agreement, or delegate or sublicense your obligations under it, without our written consent. We may assign it to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets.

11. NOTICE AND PROCEDURES FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

We, at our sole discretion, may disable and/or terminate use of the Services by users who infringe the intellectual property rights of others. We also have a policy of responding to notices of alleged infringement that complies with the Digital Millennium Copyright Act ("DMCA") which may include removing material, including content on the Services and content submitted by a member, claimed to be the subject of infringing activity.

If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property or privacy rights have been otherwise breached, please provide SLVR with a notice containing the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
• A detailed description of the copyrighted work or other intellectual property that you claim has been infringed;
• A detailed description of where the material that you claim is infringing is located on the website (providing URL(s) in the body of an email is the best way to help SLVR locate content quickly);
• Your name, address, telephone number, and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or other intellectual property right owner or authorized to act on the copyright or intellectual property right owner’s behalf; and
• Your signature.

Send your notice to SLVR by email to help@slvr.ag. Please note that you may be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that any material is infringing your copyrights or other intellectual property or privacy rights.

If your content was removed and you believe it was removed by mistake or misidentification, you may send us a counter-notification at the same address, identifying the removed material and where it appeared, with your name, address, and telephone number, a statement under penalty of perjury that you have a good faith belief the material was removed in error, and your consent to the jurisdiction of a federal court in the district where you live.

12. THIRD-PARTY SERVICES

SLVR runs on other companies’ services, and some features hand your information or your listings to them: Stripe for payments, Shippo and the carriers you or the seller choose for labels and tracking, our hosting, database, email, and analytics providers, eBay and CAC Marketplace for listing sync, and third-party AI services for extracting coin details from content you submit. Section 6 of the Privacy Policy lists them and says what each one receives.

Their terms are theirs.When you use a connected service you are also bound by that company’s terms and policies, and we are not responsible for how it operates, what it does with data it receives under its own terms, or whether its systems are available.

Third-party integrations, including eBay Sync, are provided on a best-effort basis and depend on third-party systems, APIs, permissions, policies, and availability outside SLVR’s control. SLVR does not guarantee uninterrupted, real-time, error-free, or complete synchronization of third-party listing, inventory, pricing, order, or account data. Where you sync to another platform, you remain responsible for complying with that platform’s rules.

Market data. The silver spot price we quote from comes from third-party market data feeds, and we keep a backup feed for when the primary one fails. Quotes may still be delayed, briefly unavailable, or wrong, and when we cannot get a price we consider reliable, buying and selling tokens may be unavailable until we can. We provide market data as-is, and it is not a recommendation to transact.

13. SUSPENSION, TERMINATION, AND ACCOUNT DELETION

What we may do. We may suspend, restrict, or close your account, with or without notice where the circumstances warrant it, if you breach this agreement, if we reasonably suspect fraud, a payment reversal, or unauthorized use, if you are not eligible under Section 3, or if the law requires it. If we stop offering the Services altogether, we will give you reasonable notice.

Suspension does not take your money. A suspension does not cancel your balances. Once any investigation, dispute, order, or payment reversal affecting the account is resolved, you may sell your tokens under Sections 5 and 7 and the proceeds go to your bank account, subject to any legal obligation that prevents us from releasing funds.

Deleting your account yourself. You can delete your account from Account Settings. This is what happens, and it matches Section 13 of the Privacy Policy:

• You request deletion and we email you a confirmation link, which expires after 24 hours.
• When you confirm, your account moves to a pending-deletion state, your active listings are unlisted, and your active swap posts are closed.
• For the next 30 days you can change your mind, using the cancellation link in that email.
• If you do not cancel, we purge the account: your identifying profile information is erased or replaced with a placeholder, and your saved bank accounts, device history, consent records, and sign-in credentials are deleted.

Settle up first. Deletion is blocked while you have open orders, open disputes, a payout still on its way to your bank, active trades, or active swaps, and while you are still holding money: your cash balance must be $1.00 or less and your SLVR tokens must be worth $10.00 or less at your sell price. Account Settings shows you exactly what is blocking, with a link to each one.

Residual balances at or below those limits are forfeited.Cash of $1.00 or less, and tokens worth $10.00 or less, are zeroed when the account is purged. They are not paid out. Sell your tokens before you delete if you want the money — and note that the token threshold is the $10 sale minimum, so what is written off here is precisely the dust you could not have sold anyway.

What survives deletion. Transaction, payment, payout, and tax records, records we must keep for legal, accounting, anti-fraud, or dispute-resolution reasons, and anything under legal hold, are retained for the periods in Section 10 of the Privacy Policy, tied to a placeholder rather than your name wherever the system allows.

What survives in this agreement. Sections 5(g), 6, 7, 9 (as to completed transaction records), 10, 14, 15, 16, 17, and 20, and any obligation either of us owes the other for money or for a completed transaction, all continue after your account closes.

14. DISCLAIMERS

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." To the fullest extent permitted by law, SLVR disclaims all warranties, express, implied, and statutory, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, or that any defect will be corrected.

Be clear about what we do not check. These are real limits on the Services, and you should not assume otherwise merely because coins are involved:

• We do not authenticate, grade, appraise, weigh, assay, or test any coin or bullion item listed on the marketplace, and we never take physical possession of a listed item — it ships from the seller to the buyer. Grades, weights, and descriptions in a listing are the seller’s statements, not ours. (The silver SLVR holds as token backing under Section 5 is a separate holding and is never listed for sale.)
• We do not verify certification numbers or serial numbers with any grading service or third-party registry, and we do not maintain or consult a fraud database of coins or of people. A certification number in a listing is what the seller typed.
• We do not verify a member’s identity, age, residence, or business standing beyond what Section 3 describes, and we do not run background checks on members.
• Automated tools that read your photographs, or a page you point us at, only propose listing fields. You review and edit them, and you are responsible for the listing you publish.
• We do not guarantee that any listing is accurate, that any member will perform, or that a transaction will complete. The Buyer & Seller Agreement sets out what recourse you do have.

Nothing on SLVR is financial advice. We are not a broker, dealer, investment adviser, bank, or trust company, and nothing here is investment, tax, or legal advice. Silver prices, token values, coin values, and market data are provided for information only. Decisions about buying, selling, or holding are yours alone. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

15. LIMITATION OF LIABILITY

To the fullest extent permitted by law, SLVR is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, lost goodwill, or the cost of substitute services, arising out of or relating to the Services or this agreement, even if we were told such damages were possible.

The cap. Our total liability to you for all claims arising out of or relating to the Services or this agreement is limited to the greater of $100 or the total fees you paid to SLVR in the twelve (12) months before the event giving rise to the claim.

The cap does not apply to your own money. Nothing in this section limits, reduces, or excuses SLVR’s obligation to return your own cash balance and your own SLVR token balance to you, at the applicable price under Section 5(c), or to pay a payout we owe you under Section 7. Your balances are yours. The cap above does not apply to a claim that we failed to return them, and no dollar limit anywhere in this agreement may be used to keep them.

The cap also does not apply to liability for death or personal injury caused by our negligence, for our fraud or fraudulent misrepresentation, for our gross negligence or willful misconduct, or to any liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow some of these limitations; where that is so, our liability is limited to the least the law permits. These limits apply regardless of the theory of liability and survive termination.

16. INDEMNIFICATION

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless SLVR Partners LLC and its officers, directors, employees, and agents from and against any claim, demand, action, loss, liability, or expense, including reasonable attorneys’ and accounting fees, arising from or relating to: (a) your breach of this agreement; (b) your use or misuse of the Services; (c) the items you list, sell, ship, swap, or trade, including any claim that an item was counterfeit, altered, misdescribed, stolen, or unlawful to sell; (d) Your Content, including any claim that it infringes or misappropriates someone’s rights; (e) your dealings with another member; (f) tax you owe; or (g) your violation of any law or of anyone’s rights.

We will notify you of any such claim and may, at our option, assume its exclusive defense and control, in which case you agree to cooperate with reasonable requests. You may not settle a claim in a way that imposes any obligation or admission on SLVR without our written consent.

17. GOVERNING LAW AND ARBITRATION OF DISPUTES

Governing law. This agreement, and any dispute arising out of it or out of the Services, is governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. Nothing here deprives you of the protection of a mandatory consumer law of the state where you live.

Talk to us first. Before starting arbitration, please email help@slvr.ag describing the problem and what you want. Most things are resolved this way. If we have not resolved it within 60 days, either of us may begin arbitration. This step is a request, not a condition of your right to proceed.

Agreement to arbitrate. Except as stated below, any dispute or claim between you and SLVR arising out of or relating to this agreement, the Services, your account, your balances, or any transaction on SLVR will be resolved by binding individual arbitrationrather than in court. There is no judge or jury in arbitration, and review of an award is limited, but an arbitrator can award the same individual relief a court could, including statutory damages and, where the law provides for them, attorneys’ fees and costs.

Rules and cost. The arbitration is administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, available at adr.org/consumer, together with this provision. If that address stops working, ask us at help@slvr.ag and we will send you the current Rules. We will not invoke the AAA’s Commercial Rules against a consumer.The Consumer Arbitration Rules cap the filing fee you pay and require SLVR to pay the remainder of the AAA’s administrative fees and the arbitrator’s compensation, and we will pay them as those Rules require. If this provision conflicts with those Rules, this provision controls, unless the arbitrator finds that applying it would make the arbitration fundamentally unfair.

Where it happens: remotely, by default. Unless we both agree otherwise, the arbitration will be conducted on the documents alone, by telephone, or by videoconference. If you ask for an in-person hearing, it will be held in the county (or parish) where you live, or at another place that is genuinely convenient for you. You will never be required to travel outside the state where you livein order to arbitrate a claim against us. To begin, submit the AAA’s form to the AAA and send us a copy at SLVR Partners LLC, 230 Kings Hwy E., Suite 350, Haddonfield, NJ 08033. You may represent yourself or be represented.

Individual claims only. Arbitration is one-on-one. Claims may not be brought or arbitrated as a class, consolidated, or representative proceeding, you and SLVR each waive any right to a class action and to a jury trial, and an arbitrator may award relief only to the individual party seeking it and only as far as that party’s own claims require. If this paragraph is found unenforceable as to a particular claim, that claim — and only that claim — is severed from arbitration and proceeds in court; the rest of this provision still stands.

What stays out of arbitration. Either of us may bring an individual claim in small claims court if it qualifies there, and either of us may go to court for an injunction against infringement or misuse of intellectual property. Nothing in this provision prevents you from reporting a concern to a government agency, and nothing here waives a right the law does not permit to be waived.

Who decides what. The arbitrator decides all claims and all questions about the interpretation, applicability, or enforceability of this provision, except that a court decides whether the individual-claims paragraph above is enforceable. A change we make to this Section 17 does not apply to a claim we already had written notice of.

Court venue, when a claim does go to court. Delaware law governs, but we will not make you litigate in Delaware. Any claim that is severed from arbitration under the individual-claims paragraph, and any other claim not subject to arbitration, may be brought either in the state or federal courts for the district where you live or in the courts located in Delaware — your choice, and SLVR consents to the jurisdiction of your home courts and waives any objection to venue there on grounds of inconvenience. This matters: the claims most likely to be severed are collective ones, and we are not willing to price a member out of bringing one by making them travel.

18. NOTICE TO CALIFORNIA RESIDENTS

Pursuant to California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights notice which is hereby offered as a convenience to you:

The name and address of the provider of the Services is SLVR Partners LLC, 230 Kings Hwy E., Suite 350, Haddonfield, NJ 08033, USA. Complaints regarding the service or requests to receive further information regarding use of this service may be sent to the above address or by email to help@slvr.ag.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.

19. CHANGES TO THESE TERMS

We will change this agreement as SLVR changes. When we do, we post the new version here with a new effective date at the top, and we keep a record of the version you accepted, including a hash of the exact text you were shown.

For a material change — including a change to fees, to our token buy or sell rates, to the tier thresholds, to Section 15, or to Section 17 — we will give you at least 30 days’ notice before it takes effect, by email to the address on your account or by a notice inside the product. Changes we make for legal or security reasons, or that only benefit you, may take effect sooner.

Continuing to use the Services after the effective date of a change means you accept it. If you do not accept it, stop using the Services and close your account under Section 13 — sell your tokens first, and the proceeds go to your bank. A change never applies retroactively to a transaction already completed.

20. GENERAL PROVISIONS AND HOW TO CONTACT US

• Severability. If a provision of this agreement is held invalid or unenforceable, it is limited or removed to the minimum extent necessary and the rest stays in force. Section 17 says what happens if its individual-claims paragraph is held unenforceable.
• No waiver. Not enforcing a provision is not a waiver of it, and a waiver binds SLVR only if we give it in writing.
• No agency. There is no partnership, joint venture, agency, franchise, or employment relationship between you and SLVR, or between SLVR and any other member.
• No third-party rights. This agreement gives no rights to anyone who is not a party to it.
• Notices. We may give you notice by email to the address on your account, by a notice inside the product, or by posting on the Services, and you consent to receiving notices and this agreement electronically. Keep your email address current. Send us notice at the postal address below or at help@slvr.ag.
• Force majeure. Neither of us is liable for a failure to perform caused by something outside our reasonable control, such as a natural disaster, war, civil unrest, labor action, carrier failure, utility or network outage, or the failure of a third-party provider. This does not excuse SLVR’s obligation to return your balances once it can.
• Headings. Section headings are for convenience and do not affect meaning.

Questions about this agreement, or about anything else, go to help@slvr.ag. Our postal address is below.