1. Payment in Full. Title does not pass until payment has been received in full by OCN Antiques. OCN Antiques reserves the right to require payment in full prior to delivering merchandise. You have no power to sell, pledge, hypothecate, or otherwise dispose of this merchandise until paid in full. A finance charge of 1.5% per month (18% annually) will be applied to any balance remaining unpaid thirty (30) days after the date of sale. OCN Antiques has the right to offset any sums due to OCN Antiques, and to make such offset from any past, current, or future consignment, or purchases that are in the possession or control of OCN Antiques; or from any sums due to you by OCN Antiques. Failure to remit payment in full shall grant OCN Antiques with a lien against the purchased merchandise and the right to file a UCC-1 financing statement in the purchased merchandise and its proceeds, to secure all indebtedness due to OCN Antiques until the indebtedness is paid in full.

2. Payment Methods. All prices offered are in U.S. currency unless otherwise stated. Orders may be paid by credit card or PayPal. We accept Visa and MasterCard. Overseas currency rate quotes are provided as a courtesy, and are good for two (2) business days prior to payment. Rate quotes will be recalculated and provided after 2-days have expired should payment arrangements be made later than 2-days or in the case of installment payments made on layaway invoices.

3. Grading. The condition, grade or description of any item sold is not a warranty of any kind. The price for which the merchandise is sold represents the price that OCN Antiques has offered and you have paid, independent of any description by OCN Antiques. You hereby assume all risks concerning and related to the grading, quality, description, condition and provenance of all merchandise. All coins are guaranteed genuine for life. Certified coins are not eligible for authenticity claims if they are removed from their third party certification holder. Please contact us with any authenticity concerns while retaining the coin in its third party holder. Certification does not guarantee protection against the normal risks associated with potentially volatile markets. The degree of liquidity will vary according to general market conditions and the particular item involved. For some items there may be no active market at all at certain points in time.

4. Return Policy. Items purchased on the internet, by telephone or in any manner that has not been inspected by you or your agent in person shall be shipped to you and are eligible for a refund for any reason with no questions asked; however such items must be shipped back within fourteen (14) business days of receipt. If the items are shipped within fourteen (14) business days of receipt, we will refund the full purchase price of the coin. All shipping and handling and insurance fees are non-refundable. We do not insure the shipping on returned items and you are responsible to fully insure any items you return to us. After the fourteen (14) business day period, no items may be returned for any reason, except for authenticity. Certified or encapsulated “slabbed” coins may only be returned to us in their original holders. If the certified or “slabbed” coins have been removed from their original holder the warranty is void and no refund will be given. There is no return privilege for items purchased and/or inspected in person, even if the purchased items are mailed to you after an in-person purchase or inspection, except in questions of authenticity. Proof of purchase shall be required for a refund. Refunds shall be issued using the same method of payment that was used to purchase the item(s), however we reserve the right to refund any foreign currency payments in U.S. Dollars. Overseas currency quotations are provided as a courtesy and may only be refunded in U.S. Dollars. In some cases, a credit may also be permitted for a return, the value of which may be applied to a future purchase. Please note that special terms apply for layaway invoices. Items purchased on layaway shall only be removed from inventory upon receipt of the first installment payment. Returns are not permitted on layaway orders and refunds will not be issued for these orders. Cancellation of an order placed on layaway is not permitted without approval by OCN Antiques. A written or printed copy of OCN Antiques’ refund policy is available upon request.