Terms & Conditions

TERMS & CONDITIONS

OVERVIEW

This website (the “Website”) is owned and operated by MF Bullion Canada (“MFBC”). Throughout the site, the terms “we”, “us”, and “our” refer to MFBC. MFBC offers this Website, including all information, tools and services available from the Website to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By visiting the Website and/ or purchasing something from us, you engage in our “service” and agree to be bound by the following terms and conditions (“Terms of Use” and/or “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Use apply to all users of the Website, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content. MFBC classifies any person/business who engages in a transaction with us as a client.

Please read these Terms of Use carefully before accessing or using our Website. By accessing or using any part of the Website, you agree to be bound by these Terms of Use. You are only authorized to use the Website if you agree to abide by all applicable laws and to this Agreement If you do not agree to all the terms and conditions of this Agreement, then you may not access the Website or use any services and should leave this Website immediately. If these Terms of Use are considered an offer, acceptance is expressly limited to these Terms of Use. Any new features or tools which are added to the Website shall also be subject to the Terms of Use. You can review the most current version of the Terms of Use at any time on this page. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/or changes to our Website. You agree to be bound to any changes to this Agreement when you use the Website after any such modification is posted. It is therefore your responsibility and important that you review this Agreement regularly to ensure you are updated as to any changes.

PART 1- ORDER/PAYMENT/FUFILLMENT PROCEDURES

SECTION 1 – ACCOUNT

In order to transact with MFBC you must have an active account. MFBC requires specific information from the customer to satisfy our compliance standards. It is the customer’s duty to supply all information required to MFBC in order to deem the account open. MFBC will assume all information provided to be accurate and correct.

Accounts may be opened in the name of an individual, corporation, or trust. You, the customer, acknowledge that you may have only one active account per entity.

SECTION 2 – TRANSACTIONS

MFBC transacts with customers in person, over the telephone, or online. Transactions are subject to product availability and MFBC reserve the right to limit sales or purchases to its customers. Without notice MFBC may change or alter their restrictions of precious metal sales and the prices it charges at any time.

2.1 CUSTOMER SELLING TO MFBC

A customer may enter into an agreement to sell their precious metals to MFBC. MFBC lists prices on the Website for indication only of what they are willing to purchase a certain item for. The publishing of these prices do not in any way bind MFBC into purchasing your metal.

The customer may enter into an agreement with MFBC by telephone to sell their metals to us at an agreed upon price (the “Sales Agreement”). Once the order has been made the customer may receive a confirmation email to confirm the price. Failing to receive this email does not nullify the Sales Agreement. Once the customer’s metal is received by MFBC, MFBC has a strict no cancellation policy. Should a customer wish to cancel its Sales Agreement before the customer’s metal is received, a Cancellation Fee and Market Loss Fee will charged pursuant to section 2.5 herein apply. It is the customer’s responsibility to deliver the metal within 72 hours of making the Sales Agreement. Upon request from the customer, MFBC can provide the customer with a shipping waybill and insurance against the parcel being lost while in transit with the specified carrier, for a fee. The insurance is for the for the replacement value of the goods only at the agreed upon price.

Once MFBC receives the items, they will be verified and confirmed against the outstanding order. MFBC assumes goods sent are the belongings of the customer only. Payment will be issued in the form of a company cheque, wire, or ACH transfer to US based banks, at the cost of the customer. Prior to payment being issued, MFBC shall require the customer’s photo identification and, if payment is by wire or ACH transfer, MFBC, shall also require the customer’s deposit information.

2.2 PURCHASING FROM MFBC

Customers can purchase metal from MFBC online, by telephone, or in person at an agreed upon price at the time of the order (the “Purchase Agreement”). The Purchase Agreement is a binding agreement between MFBC and the customer.

The price of products sold by MFBC is based off of live market prices. As the precious metals market changes constantly, customer must understand that prices remain fixed at the agreed upon price. Orders may not be updated or revised when the market changes.

Should a customer wish to cancel a Purchase Agreement before payment has been received or an order fulfilled, Cancellation Fees and Market Loss Fees will charged pursuant to section 2.5 herein..

If a customer places multiple orders, MFBC reserves the right to hold shipping on previous orders until all items are paid for.

2.2.1 PAYMENT
Payment can be made to MFBC in the following manners with the following clearing times:

Wire Transfer (2-3 Business Days)
Certified Cheque, Bank Draft, Cashier’s Cheque, Money Order (2-3 Business Days)
Personal Cheque, Corporate Cheque (5 Business Days)
Bill Payment, Interact E-Transfer, Credit Card (2-3 Business Days)
Depending on the transaction total and currency, certain payment methods will be restricted for those orders at the discretion of MFBC. Also, depending on payment method made, items will be held subject to the funds clearing.

MFBC requires payment to be issued by the customer on the same day as entering into the Purchase Agreement and received by MFBC within 3 business days of entering into a Purchase Agreement. All payment instructions will be made available to the customer by MFBC once a Purchase Agreement has been entered into.

2.2.2 SHIPMENT

MFBC will promptly deliver product to their customer. Customers may request specific carriers to transport their product, but approval of carrier and final decision will be made solely by MFBC. MFBC has full liability coverage for items that it transports. This coverage is provided while the parcel is in transit with the designated carrier. It is imperative for the safekeeping of any delivered items that the customer arranges for the incoming parcel to be signed for. As all parcels are signature required, the customers should ensure a trusted a responsible individual is available to accept delivery if the wish to have someone else sign on their behalf. Once the designated carrier deems the parcel “Delivered,” the insurance is terminated.

If the customer is paying by a credit card, the shipping address must match the billing address of the credit card.

2.3 EMAIL CORRESPONDANCE

MFBC will correspond with the customer at the time of order creation, payment receipt, shipment notification, and in the event that order details are amended. Any failure by MFBC to send the email or the customer to receive the email will not nullify the agreed transaction. The customer is still expected to make payment within the appropriate timeline discussed in SECTION 2.2.1.

2.4 CREDIT CARD REQUIREMENTS

The customer will provide credit card information in order to secure a booked order. The credit card will not be charged, unless authorized by the customer as its form of payment, but if payment is not made for the order MFBC reserves the right to charge the customer’s credit card for any fees owing, including the Cancellation Fee and any Market Loss Fee as set out herein.

2.5 FEES

The following are fees that MFBC will charge customers in relation to any purchase/sale transactions:

Returned Cheque/NSF – the customer will be charged a fee of $25 (CAD or USD depending on transaction currency)
Cancellation Fee – $50 dollar fee
Market Loss Fee (as hereinafter defined) Outgoing Wire Fee – $15 (CAD or USD depending on transaction currency)
Returned Parcel – if the customer misses delivery of their parcel and it is returned to MFBC, a fee for re-shipping the parcel may apply
Shipping and insurance – depending on the transaction total, a delivery fee may be added as posted during checkout or stated by a MFBC representative over the telephone.
Sales Tax- prices quoted online do not include sales tax. Depending on items, sales taxes may apply.
“Market Loss Fee” means:

(a) In the case of a purchase from MFBC, the deficit between the price that MFBC sold the item to you and MFBC’s current asking price.

(b) In the case of a sale to MFBC, the deficit between the price MFBC agreed to purchase from you and MFBC’s current purchase price as at the date of cancellation or if no cancellation is confirmed by the customer, as at 72 hours after making the Sales Agreement.

Without limiting any other legal or equitable rights and remedies as may be available to MFBC, MFBC may elect to apply any and all of your funds in its possession (including credit card) to satisfy your monetary obligations and/or may offset any obligations that MFBC may have to you. MFBC also reserves the right, in its sole and absolute discretion, to apply any or all funds in its possession toward the satisfaction of your obligations to MFBC.

2.6 RISK/CANCELLATION

MFBC has not offered or given and will not provide any investment advice in connection with any transaction. Nothing contained on or offered by or through the Website, through MFBC or MFBC’s representatives should be construed as investment advice and should not be relied upon by the customer. All investments contain risk and the purchase and sale of precious metals involve a high degree of risk. Furthermore, there can be extreme volatility in precious metal prices, and customers must assume that risk when they book an order. There is no guarantee of interest, yield or return in the purchase and sale of precious metals. The customer acknowledges that all risk of decline in the market value of precious metals is the customer’s risk and not that of MFBC.

This Website may contain forward looking statements that reflect MFBC’s current expectation regarding future events and business development. The forward looking statements involve risks and uncertainties as the actual developments may differ materially from those projected. Actual developments could differ materially from those projected and depend on a number of factors. Prior to purchasing or selling, you should first consult with your own investment or financial advisor.

Cancelling an order because of a movement in the price is subject to the Cancellation Fee and Market Loss Fee as set out herein.

If payment has been received or the order has been fulfilled, MFBC will consider the order final and a cancellation cannot be made.

PART 2 – GENERAL TERMS

SECTION 1 – ONLINE STORE TERMS

By agreeing to these Terms of Use, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this Website. You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Website, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of our Website and our services.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Website, use of the Website, or access to the Website or any contact on the Website through which the service is provided, without express written permission by us. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this Website is not accurate, complete or current. The material on this Website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this Website is at your own risk. This Website may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Website at any time, but we have no obligation to update any information on our Website. You agree that it is your responsibility to monitor changes to our Website.

SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Website (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Website.

SECTION 5 – PRODUCTS OR SERVICES

Certain products or services may be available exclusively online through the Website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy. We have made every effort to display as accurately as possible the colors and images of our products that appear on our Website. We reserve the right, but are not obligated, to limit the sales of our products or services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this Website is void where prohibited. We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Website will be corrected.

SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us for any reason or for no reason at all, regardless of payment method or price confirmation, including, without limitation for order MFBC deems questionable or suspicious, for order MFBC deems to be a significant risk, when the confirmed price is incorrect, for abrupt movement in the precious metals market, and/or when MFBC does not receive payment within the allotted timeframe. Further MFBC may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors. You agree to provide current, complete and accurate purchase and account information for all purchases made at through our Website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed. For more detail, please review our Returns Policy.

SECTION 7 – OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. Any use by you of optional tools offered through the Website is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s). We may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Use.

SECTION 8 – THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties. Third-party links on this Website may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 – USE OF COOKIES

When someone visits the Website, we send one or more cookies – a small file containing a string of characters – to your computer that uniquely identifies your browser. MFBC use these cookies to store visitors’ preferences and to record session information, for purposes including ensuring that visitors are not repeatedly offered the same advertisements and to customize newsletter, advertising, and web page content based on browser type and user profile information. We do not link the information we store in cookies to any personally identifiable information you submit while on the Website. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Website features and services may not function properly if your cookies are disabled. Please note that MFBC allows third party advertisers that are presenting advertisements on some of our pages to set and access their cookies on your computer. Advertisers’ use of cookies is subject to their own privacy policies, not MFBC’s privacy policy.

SECTION 10 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Website or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 11 – PERSONAL INFORMATION

Your submission of personal information through our Website is governed by our Privacy Policy.

SECTION 12 – ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our Website that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Website or on any related website is inaccurate at any time without prior notice (including after you have submitted your order). We undertake no obligation to update, amend or clarify information in the Website or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Website or on any related website should be taken to indicate that all information in the Website or on any related website has been modified or updated.

SECTION 13 – PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Use, you are prohibited from using the Website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 14 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our Website will be uninterrupted, timely, secure or error-free. You expressly agree that your use of, or inability to use, the Website is at your sole risk. MFBC delivers the Website, the products and services (except as expressly stated by us) on an ‘as is’ and ‘as available’ basis for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement. MFBC specifically disclaims any liability or responsibility for orders placed via the Website and MFBC shall not be responsible for any errors, negligence or inability to execute orders. Further, MFBC shall not be responsible for any delays in transmission, delivery or execution of your orders due to breakdown or failure of transmission or communication facilities or for any other causes beyond MFBC’s reasonable control. In no case shall MFBC, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the Website or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Website or any content (or product) posted, transmitted, or otherwise made available via the Website, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 15 – INDEMNIFICATION

You agree to indemnify, defend and hold harmless MFBC and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Use or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 16 – SEVERABILITY

In the event that any provision of these Terms of Use is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Use, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 17 – TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms of Use are effective unless and until terminated by either you or us. You may terminate these Terms of Use at any time by notifying us that you no longer wish to use our services, or when you cease using our Website. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Use, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our services (or any part thereof).

SECTION 18 – ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. These Terms of Use and any policies or operating rules posted by us on this Website or in respect to the service constitutes the entire agreement and understanding between you and us and govern your use of the Website and the services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Use). Any ambiguities in the interpretation of these Terms of Use shall not be construed against the drafting party. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions

SECTION 19 – GOVERNING LAW

If there is any dispute about or involving the Website, you agree that the dispute shall be governed by and construed in accordance with the laws of the Province of British Columbia, Canada, without regard to conflict of law provisions and you agree to submit and attorn to the courts of the Province of British Columbia, Canada in all disputes arising or relating to the use of the Website. You hereby waive any right to commence or participate in any class action against the MFBC or its affiliates or any third party relating to the Website these terms and conditions or any related matter. MFBC at its option, may demand that any dispute between MFBC and you about or involving the Website must be settled by arbitration utilizing the dispute resolution procedures of the Commercial Arbitration Act of British Columbia, provided that the foregoing shall not prevent MFBC from seeking injunctive relief in a court of competent jurisdiction.

SECTION 20 – CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Use at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Use by posting updates and changes to our Website. It is your responsibility to check our Website periodically for changes. Your continued use of or access to our Website or the service following the posting of any changes to these Terms of Use constitutes acceptance of those changes.

SECTION 21 – COPYRIGHT

All copyright rights in the text, images, photographs, graphics, user interface, and other content provided on the Website, and the selection, coordination, and arrangement of such content, are owned by MFBC, or its third-party licensors, to the full extent provided under the Canadian copyright laws and all international copyright laws. Under applicable copyright laws, you are prohibited from copying, reproducing, modifying, distributing, displaying, performing, storing in any retrieval system or transmitting any of the contents of the Website for any purposes. Nothing stated or implied on the Website confers on you any license or right under any copyright of MFBC or any third party.

The Website and the information contained therein are for informational purposes only. Any reproduction, distribution, display, performance, copying, or redistribution for commercial purposes of any materials or design elements of the Website is strictly prohibited, without the prior written consent of MFBC. Systematic retrieval of data or other content from the Website to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from MFBC is prohibited.

SECTION 22 – TRADE AND SERVICE MARK RIGHTS

All rights in the product names, company names, trade names, logos, product packaging and designs of MFBC or third-party products or services, whether or not appearing in large print or with the trademark symbol, belong exclusively to MFBC or their respective owners, and are protected from reproduction, imitation, dilution or confusing or misleading uses under national and international trademark and copyright laws, as applicable. The use or misuse of these trademarks or any materials, except as permitted herein, is expressly prohibited and nothing stated or implied on this Website confers on you any license or right under any patent, copyright or trademark of MFBC or any third party.

SECTION 23 – RETURN POLICY

MFBC’s refund, return and exchange policy is limited to seven (7) days from the date that you receive the item. You must notify MFBC’s Customer Service Department via telephone at 1-844-385-2790 within seven (7) days from the date that you receive the item and follow the instructions provided to you, at that time. Shipping and handling charges are non-refundable. If you were offered free shipping on the original purchase, you will be responsible for repayment of MFBC’s shipping costs. You are fully responsible for all taxes, as well as return shipping and handling costs. MFBC may reject any returned or exchanged item that does not reasonably conform to these terms or is not returned in the same form as received. If the case of a request for an exchange, MFBC expressly reserves the right, in its sole and absolute discretion, to find an acceptable replacement or refund your money should an acceptable replacement be unavailable. Returns, refunds and exchanges are subject to MFBC’s Market Loss Fee as well as Cancellation Fee. Any and all market gains on refunds, returns, and exchanges shall belong solely to MFBC.

SECTION 24 – CONTACT INFORMATION

Questions about the Terms of Use should be sent to us at [email protected]