By using the website www.NatCoins.com and other services provided by Florida Discount Coins, Inc. (FDCI), including making purchases from FDCI, making sales to FDCI and placing orders with FDCI, you are agreeing to the following terms, including, without limitation. These terms apply to all orders, all purchases and all sales, whether made through the website, by telephone or otherwise.

Before you may place orders to purchase and/or to sell with FDCI you must read and accept all of the terms in the User Agreement. FDCI strongly encourages you, as you read this User Agreement, to access and to read carefully the Ordering Policy and Procedures.


This User Agreement is effective on January 1, 2007, for all existing customers and all existing users of the website and will be effective, upon acceptance for all customers and all new users of the website or otherwise.

Purchases, Sales and Orders. You may make purchases, sell to and order from FDCI only in accordance with the Ordering Policy and Procedures.

Disclaimers. You are subject to the Disclaimers that have been made by FDCI, which FDCI encourages you to access and to read carefully, and to the other Disclaimers that are contained in this User Agreement and the other policies adopted by FDCI.

In addition, you represent and warrant to FDCI that you have sufficient experience and knowledge to make informed decisions to purchase from and/or sell to FDCI.You expressly acknowledge that you are making all of your own decisions in connection with purchases and/or sales and that FDCI is not making any recommendation with respect to such purchases and/or such sales. You also expressly acknowledge that you are subject to a variety of risks, which risks are beyond the control of FDCI, and you expressly acknowledge that FDCI is not liable or responsible for those risks, for which you have sole responsibility. Those risks include, without limitation, risks associated with the price volatility of the products, particularly precious metals. Under certain market or other conditions (such as technological or other disruptions), you may not be able to liquidate the purchased products or, liquidate the purchased products at prices acceptable to you.

Risks. All investments involve risk - coins and bullion are no exception. The value of a bullion coin (e.g., American Eagles or Maple Leafs) is affected by many economic factors, including the current market price of bullion and the perceived scarcity of the coins and other factors. Some of these factors include the quality and current demand and general market sentiment.

Therefore, because both bullion and coins can go down as well as up in value, investing in them may not be suitable for everyone. Since all investments, including bullion and coins, can decline in value, you should understand them well, and have adequate cash reserves and disposable income before considering a bullion or coin investment.

Indemnification. You shall indemnify and hold harmless FDCI and its affiliates, directors, officers and shareholders from and against any and all costs, damages, expenses, liabilities and obligations, including, without limitation, reasonable attorneys fees, that you may incur as a result of, or in connection with, (a) any breach of any representation or warranty made by you to FDCI or (b) your failure to comply with this User Agreement or the policies adopted by FDCI.

Limitation of Liability. You are subject to the limitations of liability contained in this User Agreement, the Disclaimer and the other policies adopted by FDCI.

In the event that, notwithstanding such limitations of liability, FDCI is determined to be liable to you in connection with any transaction between FDCI and you pursuant to this User Agreement, the liability of FDCI to you shall be limited to the greater of (a) the amount, if any, that you paid in such transaction or (b) $100 FDCI shall not, in any event, be liable for any consequential, exemplary or indirect damages.

Privacy. FDCI has adopted the Privacy Policy which you are encouraged to access and to read carefully.

Other Policies. FDCI has adopted the Disclaimer, the Ordering Policy and Procedures and the Privacy Policy and may, from time to time, adopt other policies in connection with the website and your use of the website, as well as purchases from, and sales to, FDCI. All of these policies may be amended or terminated, at any time and from time to time, by FDCI and such amendments and such terminations will take effect when posted on the website.

By purchasing from, making sales to or ordering from FDCI, whether by telephone, through the website or otherwise, you are subject to such policies, with which you hereby agree to comply.

Termination. Either FDCI or you may terminate this User Agreement, with or without cause, at any time by written notice to the other party. The termination of this User Agreement shall not affect the rights and the obligations of FDCI and you with respect to the period prior to the termination.

Default; Rights and Remedies. Upon any failure by you to comply with your obligations to FDCI, FDCI shall have all of the rights and the remedies available to FDCI, whether at law, in equity or otherwise, including, without limitation, rights and remedies under this User Agreement. Without limiting its rights and its remedies, FDC I may turn your account over to a collection agency or a lawyer for collection. No delay or failure on the part of FDCI in exercising any right or any remedy shall operate as a waiver of that right or that remedy and no single or partial exercise by FDCI of any right or any remedy shall preclude other or further exercise of that right or that remedy or the exercise of any other right or any other remedy.

In addition to the other rights and the other remedies available to FDCI, in the event of any failure by you to comply with this User Agreement, FDCI may charge the credit card on which you have provided FDCI including, without limitation, any and all market losses incurred by FDCI including cancellation fees for accepting your orders to either buy from or sell to us as a result of price and market fluctuations for which you did not fulfill. You expressly authorize FDCI to charge your credit card for all of such amounts.

Our Market Loss Policy (Ask to ask policy).

When purchasing from FDCI, once we have issued an invoice number, the price is locked in for you and the transaction may not be canceled, but only offset at our current ask price. Any deficit between the price at which we sold to you and the offsetting purchase price and/or prices, is your responsibility only if your item(s) is canceled or returned. That amount will be charged to you, plus a 4% cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of FDCI.

When selling to FDCI, once we have issued a purchase order number, the price is locked in for you and the transaction may not be canceled, but only offset at our current buy price. Any deficit between the price at which we bought from you and the offsetting purchase price and/or prices, is your responsibility if we do not receive your items That amount will be charged to you, plus a 4% cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of FDCI.

In addition to the other rights and remedies available to FDCI, in the event of any failure by you to comply with this User Agreement, FDCI Ordering Policy and Procedures.

In addition to the other rights and remedies available to FDCI, FDCI may, without limiting its other rights and remedies, apply any of your funds in its possession to pay your monetary obligations to FDCI and may offset any monetary obligations thatAAII has to you against your monetary obligations to FDCI. FDCI may, at its discretion, apply funds in its possession, including, without limitation, amounts paid by you for other purchases or amounts payable by you for sales, to your obligations to FDCI in such manner as FDCI determines to be appropriate.

Absence of Relationship. The sole relationship between FDCI and you is a purchaser-seller relationship. No other relationship, including, without limitation, any agent-principal relationship, any employee-employer relationship, any franchisee-franchisor relationship, any joint venture relationship or any partnership relationship, between FDCI and you exists.

Assignment. You may not assign this User Agreement or any of your rights or your obligations under this User Agreement without the prior written consent of FDCI, which may be granted or withheld by FDCI in its sole discretion. This User Agreement shall be binding on all permitted assigns and successors of FDCI and you.

Costs and Expenses of Collection. In the event that FDCI must take any action against you to enforce your obligations under this User Agreement, including, without limitation, turning your account over to a collection agency or a lawyer for collection, you shall pay all of the costs and the expenses incurred by FDCI, including, without limitation, reasonable attorneys fees, in connection with such action.

Dispute Resolution. It is the common goal of FDCI and you that any disagreement or dispute between FDCI and you be resolved expeditiously. FDCI and you agree that all disagreements and disputes between FDCI and you be resolved in accordance with the following paragraphs:

Forum Selection. Any controversy arising from or related to transactions between you and FDCI shall be resolved by mandatory binding arbitration in accordance with the Rules of the American Arbitration Association and conducted in Ft. Lauderdale, Florida. To the extent not inconsistent with the Rules, service of process on purchasers resident or domiciled outside the State of Florida may be made by Certified Mail, Return Receipt Requested. Judgment upon the award of the arbitrator shall be entered in any court of competent jurisdiction.

Governing Law. This User Agreement shall be governed by, and interpreted in accordance with, the laws of the State of Florida, without regard to conflict of laws principles.

Force Majeure. If FDCI can not perform any obligation hereunder as a result of any event that is beyond its control, FDCI's delay or failure to perform such obligation shall be excused and FDCI shall not be liable for any damages as a result of, or in connection with, such delay or such failure.

Further Assurances. You shall execute and deliver such other documents and take such other actions as may be reasonably requested by FDCI to carry out this User Agreement.

Notices. Except as otherwise provided in this User Agreement, all notices and other communications to FDCIshall be directed to the registered agent of FlaCoins.com , Inc. in the State of Florida and all notices and other communications to you shall be directed, at the option of FDCI, to the address that you provided to FDCI at the time of your registration or to the email address that you provided to FDCI at the time of your registration.

Recording of Phone Conversations. FDCI may record phone conversations between FDCI and you. You consent to the recording of such phone conversations.

Absence of Waivers. A decision or a failure by FDCI to take action with respect to any non-compliance with this User Agreement does not affect the ability of FDCI with respect to any other non-compliance with this User Agreement, whether of a similar or dissimilar nature.

Section Headings. The section headings are included for ease of reference and do not affect the interpretation or the scope of this User Agreement.

Severability. This User Agreement is intended to be enforceable to the fullest extent permitted by applicable law. If any term of this User Agreement is held to be unenforceable for any reason, such unenforceability shall not affect the other terms of this User Agreement and the term that would otherwise be unenforceable shall be enforced to the fullest extent that it would be enforceable.

Amendment. FDCI may amend this User Agreement at any time by posting the amended terms on the website. Except as otherwise provided in the User Agreement, the amended terms will become automatically effective 30 days after their initial posting on the website.

This User Agreement may not be otherwise amended except by written agreement between FDCI and you.

Entire Agreement. This User Agreement sets forth the entire understanding between FDCI and you with respect to the subject matter of this User Agreement.

If you have any questions with respect to this User Agreement or your rights and your obligations under this User Agreement, contact Florida Discount Coins, Inc. at (954) 315-3690.


Order Policies and Procedures



Security

Florida Discount Coins, Inc. takes security very seriously. Our security measures protect the loss, misuse and alteration of all information under our control. Our system is based on the SSL (Secure Socket Layer) encryption standard. Provided you are using an SSL- compliant browser such as Netscape's Navigator or Microsoft's Internet Explorer, you'll be able to conduct fully-protected transactions that encrypt all of your personal information, including credit card number, name and address, so it cannot be read as the information travels from you to Florida Discount Coins, Inc.Furthermore all of the customer data we collect is protected against unauthorized access.

Price Confirmations and Binding Agreement

Once you have placed an order to buy or sell with FlaCoins.com , Inc., you have entered into a binding agreement.

When ordering, the price at which your order is submitted is the locked-in price. Your invoice number will be in fax or email. You must ensure that your payment is made within 24 hours and received by FDCI to guarantee your price. Providing us with your credit card information may be required to guarantee orders.

When selling to FDCI, once we have issued a purchase order number, the price is locked in for you and the transaction may not be canceled, but only offset at our current buy price. We require all purchases to be shipped to us by the end of the following business day and reply to us with a tracking number so we know the product is on the way. If you call in with the registered mail or tracking number and we do not receive the items within 5 business days and the delay is due to the USPS, UPS or Federal Express, we will extend the deadline on a case by case basis.

Payment Options

Payment to Florida Discount Coins, Inc. must be provided using a bank wire.

Payment Instructions

Payment must be made within 24 hours of your order date. FDCI reserves the right to cancel orders that do not meet this requirement. FDCI does not accept C.O.D. orders. We reserve the right to refuse or cancel any order deemed questionable or of significant risk to FDCI regardless of payment method and/or price confirmation.

Cancellation of Orders

Once we have issued a confirmation number, all prices are locked-in whether buying from us or selling to us. It is not our intention to enter into buying and/or selling transactions, accepting the risks involved only to have them canceled. However, we realize rare situations happen where orders need to be canceled. Should you elect to cancel and/or offset your order, you must do so during normal business hours of 9:00 4:00 PST Monday Friday. All cancellations are subject our market loss policy plus a 4% cancellation fee.

Cancellations may only be approved over the telephone, at which time you will be given a cancellation number. At that time, if any market loss to FlaCoins.com , Inc. has occurred, it will be calculated and added to the 4% cancellation fee. If applicable, you may elect to pay any market loss at that time or, we will invoice you in which you will have thirty days to pay the amount due in full. No future orders may be permitted until any market loss is paid in full. Any market gain on cancellations shall remain the property of FDCI.

Our Market Loss Policy (Ask to ask policy).

When purchasing from FDCI, once we have issued an invoice number, the price is locked in for you and the transaction may not be canceled, but only offset at our current ask price. Any deficit between the price at which we sold to you and the offsetting purchase price and/or prices, is your responsibility only if your item(s) is canceled or returned. That amount will be charged to you, plus a 4% cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of FDCI.

When selling to FDCI, once we have issued a purchase order number, the price is locked in for you and the transaction may not be canceled, but only offset at our current buy price. Any deficit between the price at which we bought from you and the offsetting purchase price and/or prices, is your responsibility if we do not receive your items That amount will be charged to you, plus a 4% cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of FDCI.

Florida Discount Coins, Inc. reserves the right to refuse an order when the confirmed price is incorrect, due to computer-related problems, pricing error or sudden movements in the precious metals market. Furthermore, we reserve the right to refuse or cancel any order deemed questionable, suspicious or of significant risk to FDCI regardless of payment method and price confirmation.

Your Florida Discount Coins, Inc. order may be canceled if we do not receive payment within 24 HOURS. Once you have placed an order with FlaCoins.com , Inc., you have entered into a binding agreement.

Shipment of Your Items

Florida Discount Coins, Inc. orders are shipped Registered/Insured U.S. Mail, UPS & Federal Express. Each package requires a signature upon delivery. Packages sent registered and insured mail can take on average 5-10 business days. The parcel's registration number is only available to trace a package if it hasn't been received within 15 days from the date shipped.

Return policy

We guarantee your satisfaction at florida discount Coins Inc. We provide all our customers with a refund, return and/or exchange policy on everything we sell including all bullion and certified coins. This right is limited to fifteen (15) days from the date on which the customer receives their items and notifies us, provided they are kept in their original packaging. On returning items, the customer may (at FDCI's discretion) be required to pay for any market loss on their returns. Any market gain on refunds shall remain the property of FDCI.

We want our customers to be pleased with their purchases. If for any reason you have a problem, please feel free to call our offices and discuss it with us. We will always do our best to accommodate you. We do charge a 4% restocking fee on all credit card orders returned. If an exchange is requested, we reserve the right to find an acceptable replacement or refund your money.

Investment risks

All investments involve risk - coins and bullion are no exception. The value of a bullion coin (e.g., Maple Leaf or American Eagle) is affected by many economic factors, including the current market price of bullion, the perceived scarcity of the coins and other factors. Some of these factors include the quality and current demand and general market sentiment.

Therefore, because both bullion and coins can go down as well as up in value, investing in them may not be suitable for everyone. Since all investments, including bullion and coins, can decline in value, you should understand them well, and have adequate cash reserves and disposable income before considering a bullion or coin investment.

Limitation of liability

All orders placed through the order entry system are taken on a best efforts basis. FDCI shall not be responsible for errors, negligence or inability to execute orders. Nor shall FDCI be responsible for any delays in the transmission, delivery or execution of customer's order due to breakdown or failure of transmission or communication facilities, or to any other cause or causes beyond FDCI reasonable control or anticipation.



Possible system failure

Order entry systems have been designed to provide an efficient and dependable method for entering orders. Commercial internet service providers are not 100% reliable and a failure by one or more of these providers may affect internet based order entry. The customer acknowledges that the order entry system is a mechanical system and as such may be subject to failure beyond the control of FDCI.The customer acknowledges having read and understands the order entry system risk disclosure and disclaimer.



Use of "cookies"

A cookie is a small data file that certain web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited. But the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites.

Florida Discount Coins, Inc. uses cookies only to enable you to retrieve fresh quotes or place additional orders without having to re-enter your name and shipping information each time. Credit card information is not stored in cookies and must be re-entered when it is needed.

If you are having problems logging in or the system cannot seem to find your username or password, please check your browser settings and or any kind of cookie blocker you may have installed on your system and make sure it is allowing our web site to set a cookie on your browser. This is the most common problem customers have when they are not able to log in to web sites.