Everlasting Wealth Client Agreement

Last updated: 11.05.2025

Everlasting Wealth, LLC (“Everlasting Wealth,” “we,” “us,” “our”)

120 Vantis Dr #300, Aliso Viejo, CA 92656

[email protected] • 855-403-1298

Purpose and Scope

This Agreement governs all precious-metals transactions, communications, and interactions between you (“Client,” “you,” or “your”) and Everlasting Wealth, including any future transactions. By placing an order, making payment, communicating with us, or signing below, you agree to this Agreement, our Terms of Service, Privacy Policy, and SMS/Text Terms, which are incorporated by reference.

We are a precious-metals dealer and educational company. We sell physical bullion coins and bars directly to clients and offer delivery either to you or to an independent, insured depository at your request. We are not a bank, broker-dealer, investment adviser, or custodian, and we do not provide personalized investment, tax, or legal advice.

Key Definitions and Pricing Transparency

Ask/Retail Price is the price we quote for you to purchase a product from us.

Bid/Liquidation Price is the price we quote to buy metals from you (our “buyback” price).

Spread is our gross profit on a transaction. For a purchase you make, Spread is the difference between the Ask/Retail price and our estimated wholesale acquisition cost for that item on the day of your order. For a liquidation you request, Spread is the difference between what a wholesaler would pay us and what we pay you.

Generic refers generally to widely produced bullion (e.g., American Eagles).

Non-Generic refers to items whose pricing may carry premiums due to mintage, year, finish, demand, or other non-spot factors (e.g., proofs, limited series).

Pricing Transparency and Spread Policy

The price we quote for any purchase or sale includes Everlasting Wealth’s spread, our gross profit that covers operating costs, logistics, and insurance during transit.

We are committed to complete transparency. Our retail spread will never exceed 9.9% of the quoted Ask (retail) price on any purchase. In many cases, it may be lower depending on product type, quantity, and market conditions.

 

Example:

• If we quote a coin at $100, our estimated wholesale cost that day would not exceed $90.10, reflecting our 9.9% maximum spread.

• If you later sell that same item back to us for $91 and our wholesaler would pay $92, the spread on that resale is about 1.1%.

Shipping, insurance, applicable taxes, and any third-party storage or custodial fees are separate and will always be disclosed before you confirm your order.

We encourage you to ask about our spread before or during any transaction, we’ll tell you the exact percentage so you know precisely what you’re paying.

Educational Purpose and No Advice

Our content, calls, webinars, guides, and reports are educational and general in nature. We are not a fiduciary and do not provide personalized investment, retirement, tax, or legal advice. Investment decisions are solely yours.

Account Setup, Identity Verification, and Compliance

To help fight money laundering and fraud, we may require identity verification and documents. You certify your funds come from lawful sources and that you are not subject to U.S. sanctions. We may decline or cancel transactions that appear non-compliant or suspicious.

Payment Methods and Timing

We accept bank wire, ACH, personal/cashier’s check, credit/debit card, and may use processors such as Plaid, Stripe, and Klarna. All payments are in U.S. dollars.

Price is locked when you confirm the order (by phone, online, or in writing). Because metals markets are live and volatile, the locked price does not change.

• Bank wire/ACH: due by the end of the next banking day after confirmation.

• Checks: postmarked within 1 business day and received within 10 calendar days; checks may be held up to 10 banking days to clear.

• Card/Klarna: charged at confirmation.

Failure to pay on time is a default (see “Default and Market Loss”).

24-Hour No-Risk Cancellation Window

You may cancel a newly confirmed purchase within 24 hours after we email your Order Confirmation, and a newly confirmed liquidation within 24 hours after we email your Liquidation Confirmation. To cancel, email [email protected] within that 24-hour period and clearly state your request. If we delivered the confirmation by a different method, the 24-hour period begins at delivery. Some states grant additional rights; where required by law, we honor them.

After the 24-hour window expires, all sales are final, subject to the Default and Market Loss terms below and any state-specific rights that cannot be waived.

Order Finality; Default and Market Loss

Once your 24-hour window closes, orders are final and cannot be cancelled, modified, or returned due to market price changes. If you default—by failing to pay when due, reversing a payment, refusing delivery, or requesting cancellation after the 24-hour window—we may, in our discretion, offset the order by selling equivalent metals at our current ask price.

• If the market moved against us, you owe the Market Loss (the difference between your locked price and our current ask at the time of offset) plus reasonable administrative, payment processing, and shipping costs.

• If the market moved in our favor, we retain the gain to cover risk/handling.

We may apply any funds on account or pursue collection. Allowing a cancellation after the 24-hour window is at our sole discretion.

Delivery Options, Title, Risk of Loss, and Insurance

We offer delivery to you or to an independent depository you select.

Direct shipment to you. We ship fully insured until the carrier records delivery to your address. Adult signature may be required. Title passes to you upon our written confirmation of your order and full payment; risk of loss passes upon carrier-recorded delivery to your address. Report missing or damaged shipments within 48 hours of carrier delivery scan, or “lost in transit” within 3–5 calendar days of the last tracking scan (per carrier rules). After carrier-recorded delivery, insurance coverage ends and you bear all risk.

Delivery to a vault/depository. At your request, we ship to an independent, insured depository. Storage, audits, and insurance are governed solely by the depository’s terms and policy. We are not a bailee or custodian and are not responsible for the acts, omissions, or solvency of any vaulting partner. Title passes to you upon our written confirmation and full payment; risk of loss passes upon carrier-recorded delivery to the depository you designated.

Trading Hours and Price Execution

You may request quotes during our business hours.  Execution occurs during live market conditions on business days. Orders placed when markets are closed will be processed at the next available live-market price.

Buybacks and Liquidations

We do not guarantee buybacks, but you may request a quote to sell metals you purchased from us or elsewhere. We’ll provide a prepaid label to send items to us for inspection. Within a reasonable time (generally within 5 business days of receipt), we will quote a Bid/Liquidation price and, if you accept on our recorded confirmation line, we will email a Liquidation Confirmation. If you decline the quote, we will return your items. We are not responsible for market movement during shipping, inspection, or quoting.

Counterfeit and Grading Matters

If it is determined that an item we sold you was counterfeit at the time of shipment, we will, in our discretion, replace it with substantially similar product of equal or greater value or refund the purchase price upon return of the item in the same condition you received it (including any tamper-evident holder). Grading services are independent and grading is subjective; grades can vary over time or among services. We do not guarantee that an item will receive the same grade if resubmitted.

Risk Disclosures and Hold-Period Considerations

Precious-metals prices are volatile and affected by many factors (e.g., economic conditions, policy changes, supply/demand, market liquidity, and sentiment). You may lose money, including over short and long periods. In our opinion, metals should be viewed as a long-term holding; short holding periods may not overcome the Spread and transaction costs. Only you can decide what allocation and hold period are right for you.

IRA-Related Disclosures

We are not an IRA custodian or trustee. If you direct metals to a self-directed IRA, we can help coordinate with your chosen custodian and depository, but we do not provide custodial or advisory services and do not determine product eligibility. Custodians/depositories set their own fees and rules. Consult your tax advisor on IRA eligibility, consequences, and reporting.

Taxes and Reporting

You are responsible for any applicable sales, use, or income taxes and for meeting all reporting obligations. We do not provide tax or legal advice.

Warranties, Disclaimers, and Limits on Liability

Except for the express undertaking to deliver the denomination/type, grade (if applicable), and quantity in your Order Confirmation upon receipt of good funds, products are provided “as is.” To the fullest extent permitted by law, we disclaim implied warranties, including merchantability and fitness for a particular purpose. To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages. Our total liability for any claim related to a transaction will not exceed the total amount you paid us for that specific transaction. The foregoing applies to the extent permitted by applicable law.

AI-Assisted Calls, Texting, and Recorded Lines

By providing your contact information, you consent to us contacting you by phone, text, email, or chat, including via automated, prerecorded, ringless voicemail, and AI-assisted systems on recorded lines for educational, transactional, and promotional purposes. Message frequency varies; message and data rates may apply. Consent is not required to purchase. You can opt out at any time by replying STOP to a text, saying “Stop” during a call, or emailing [email protected].

Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including market disruptions, carrier failures, cyber incidents, natural disasters, war, terrorism, labor issues, power/internet outages, or government actions.

Dispute Resolution, Arbitration, and Class-Action Waiver

We aim to resolve concerns informally—email [email protected] with a brief description and your contact info so we can try to resolve within 30 days.

Except for small-claims matters and claims seeking injunctive relief for misuse of IP or security, any dispute arising from or related to this Agreement or your transactions with us will be resolved by binding, individual arbitration administered by JAMS under its Consumer Arbitration Rules. Venue is Orange County, California, or video at the arbitrator’s discretion. The Federal Arbitration Act governs interpretation and enforcement. You and we waive any right to proceed on a class, collective, or representative basis. If a court finds the class-waiver unenforceable as to a claim, that claim must proceed in court, not arbitration.

You may opt out of arbitration within 30 days of first agreeing to this Agreement by mailing a signed request with your name, address, phone, and email to: Everlasting Wealth, Attn: Legal—Arbitration Opt-Out, 120 Vantis Dr #300, Aliso Viejo, CA 92656. Opting out does not affect prior agreements to arbitrate.

Governing Law, Severability, Assignment, and Integration

California law governs this Agreement (without regard to conflict-of-laws rules), except that the FAA governs arbitration. If any term is found unenforceable, the rest remain in effect. You may not assign this Agreement without our written consent; we may assign to an affiliate or successor. This Agreement, together with our incorporated policies, is the entire agreement between us regarding its subject matter.