Alloy Market
Terms & Conditions

Last Updated: 4/2/2026

These Terms & Conditions constitute an agreement between you (“you,” “your,” “user,” or “customer”) and Alloy Market, Inc. and its affiliates (collectively, “Alloy” “we,” “us,” or “our.”) and govern your use of the Alloy website the (the “Site”), our applications, and our related services described on the Site (collectively, the “Services”). The Services are available for personal use only. Businesses, wholesalers, or those engaging in bulk transactions should contact us to inquire about a separate contract for such services.

IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS & CONDITIONS OR OUR PRIVACY POLICY, PLEASE DO NOT ACCESS THIS SITE, USE THE SITE, OR INDICATE ACCEPTANCE OF THESE TERMS.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN SECTION 15 (ARBITRATION), UNLESS YOU OPT OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND ALLOY AND/OR ANY OTHER PARTIES AS RELATED TO THE SERVICES DESCRIBED HEREIN WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AT THE ELECTION OF EITHER PARTY, AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS OR TO PARTICIPATE IN A CLASS, PRIVATE ATTORNEY GENERAL, REPRESENTATIVE, OR COLLECTIVE ACTION IN COURT OR IN ARBITRATION.

1. Definitions 

Capitalized terms have the meanings set forth below or as otherwise defined elsewhere in these Terms. 

  • “Assay” means the process used to assess metal purity and quality, including, but not limited to, using an X-ray Fluorescence (XRF) analyzer and/or an acid test.
  • “Bonus Offers” means incentives increasing the Initial Estimate or Final Offer through promotional codes or other promotions.
  • “Good” or “Goods” means any object or objects, whether it contains Precious Metal or not, that you send to Alloy for evaluation and potential Payout.
  • “Final Offer” means a binding, non-negotiable offer sent after evaluation. The Final Offer must be accepted or rejected prior to Payout or return.
  • “Parcel” means the package in which you ship your Goods to Alloy.
  • “Precious Metal” or “Precious Metals” means gold, silver, platinum, and palladium.
  • “Initial Estimate” means a non-binding estimate that is provided before shipment of your Goods based on your input. The Initial Estimate is for informational purposes only. The Final Offer will be based on an Assay of items received. Alloy is not bound to the spot price of Precious Metals on the day of the Initial Estimate.
  • “Items Outside Our Criteria” means items comprised of non-precious metals such as tin, nickel, cadmium, zinc, aluminum, nickel, etc).
  • “Non-Precious Metal Goods” means items containing non-metallic elements (e.g., gemstones, straps, accessories).
  • “Lot” means the complete collection of items sent for evaluation. 

2. Eligibility

To be eligible to use our Services, you must:

  • Be at least 18 years old.
  • Complete the Account registration and identity verification.
  • Agree to these Terms related policies.
  • Provide accurate and up-to-date information.
  • Reside in the U.S. or its territories.
  • Not be listed on any U.S. government list of prohibited persons.

By using our Services, you agree that all information provided is true and accurate to the best of your knowledge. Upon receiving your Initial Estimate and before shipping your Goods to us, you attest that you are the true and sole owner of the Goods and have full discretion and authority to sell the Goods to us, as indicated by your acknowledgement that you have read and understood the Terms and attest to the ownership of the Goods before shipping your Goods to us. We rely on this attestation and cannot be held responsible in the event there are competing claims on Goods.

3. Account Management

  • Term: The Agreement starts when you sign up and continues until terminated by you or Alloy.

Closing Your Account: In order to access and use certain Services available on the Site, you may need to sign up for, open and maintain an account with us. Prior to completing the signup process for your Account, you may be required to confirm your acceptance of all of the terms and conditions of these Terms of Use. If you do not agree to these Terms of Use, you may not sign up for an account and you shall not have the right to use such Services.  

  • Changes to Terms: You are responsible for reviewing these Terms regularly. Alloy reserves the right, at any time, without notice to you, and in its sole discretion, to modify or discontinue the Services, these Terms, or any of our policies related to use of the Services. Continued use of Services implies acceptance of new Terms.

4. Shipping & Insurance

  • Packaging Responsibility: Customers must securely package Goods and obtain a tracking receipt. Customers must use packaging material provided or approved by Alloy. In the event you choose to use a shipping label or packaging material other than those provided by Alloy, you assume all responsibility for associated delivery costs, insurance, fees, taxes, charges, and losses. Failure to use packaging materials or processes provided by Alloy will result in disqualification from Alloy’s insurance coverage. If Goods are damaged due to inadequate packaging or failure to follow Alloy’s packaging guidelines, Alloy and its insurance providers reserve the right to deny claims for loss or damage.
  • Drop-Off Requirement: To qualify for insurance coverage, all packages must be physically handed to a FedEx® employee at a staffed location, such as a FedEx Office, FedEx Ship Center, or authorized retail partner (e.g., Walgreens or Office Depot).
    Packages that are dropped in unstaffed roadside drop boxes, self-service lockers, or kiosks are not eligible for insurance coverage under Alloy’s policy.
    Customers must retain a printed drop-off receipt to confirm that the package was accepted and scanned by FedEx.
  • Insurance Coverage: Up to USD $100,000 in insurance is available after qualification of contents before shipping. Claims for loss or damage must be filed per the carrier’s policies, which may require you to provide receipts or other acceptable proof of purchase to receive reimbursement.
  • Qualification: To be considered qualified, customers must either:
    • Provide photos of the items next to their FedEx envelope before shipping, or
    • Obtain written approval from Alloy by submitting a description of the items prior to shipment.
  • Return Shipping: If a customer declines a Final Offer, items will be returned. Once a return has been processed, tracking information will be provided via email and upon request.
  • Carrier: Shipments to Alloy are processed via FedEx® with a free shipping label. Any items shipped via other carriers, using unapproved labels, or dropped off outside the scope of this policy may not qualify for insurance coverage.

5. Receipt & Inspection of Goods

  • Weighing: Goods are weighed using a scale inspected by the Division of Weights & Measures, Bucks County, PA.
  • Non-Metallic Removal: Non-Precious Metal Goods (e.g., stones) are not removed or included in the valuation.
  • Assay Process: Goods are tested for purity. Scratching or damage may occur during the Assay process. You waive all rights to monetary compensation against a damaged item should you choose to send it in for evaluation. Both X-Ray Fluorescence and Acid Testing, among other methods, may be utilized to assess the purity and quality of your Goods. Alloy shall not be liable for any pre-existing damages, damages resulting from the Assay process, or damages resulting from improper handling or packaging.
  • Fraudulent Parcels: If suspected fraudulent, Goods may not be processed and reported to authorities. 
  • No-Value Goods: Any Parcels you send us that we receive which contain no-value Goods, Goods not as described, poorly packaged or tampered packaging, empty Parcels, or Parcels and/or Goods that we suspect for any reason whatsoever and at our sole discretion are of a fraudulent or suspicious nature intended to defraud or harm Alloy in any way, may not be returned and the transaction and your use of our Services may be discontinued in our sole discretion.
  • Video Unboxing: All Parcels sent to us are unboxed under video surveillance. Unboxing videos are available to you by requesting yours from [email protected].
  • Materials or Packaging: Any materials included in a Parcel, including but not limited to, jewelry boxes, jewelry holders, presentation containers, or wrapping, will not be guaranteed for return. For purposes of assessment, testing, or evaluation certain items may be removed from any original or modified casing or packaging and may not be returned in original form. By submitting Goods to Alloy, you expressly consent to this process. 

6. Pricing & Offers

  • Final Offer Calculation:
    • Formula: Internal Spot Price × Weight × Purity (%) – Transaction Costs.
  • No Negotiation: Final Offers are non-negotiable except Best Offer Guarantees.
  • Supersede Previous: The Final Offer provided to you for Goods will supersede any previous offers received from us, whether verbal or written.
  • Response Time: Offers must be accepted or rejected within 48 hours. After 48 hours, Alloy reserves the right to adjust the offer to account for market price changes. If a Final Offer is not accepted or rejected within this time, your Goods will be held by Alloy for ninety (90) days, during which you may request a full or partial return of your items. Failure to request a return of your items within this timeframe may result in forfeiture of your items pursuant to applicable law. 

7. Bonus Offers

  • Eligibility: A minimum transaction of $199 is required to be eligible for any Bonus Offers.
  • Third-Party Offers: Subject to change; Alloy is not responsible for third-party terms.

8. Returns

  • Insurance: Items being returned qualify to be insured for the Alloy offered amount. 
  • No-Value Goods: No insurance applies to Goods that fall outside our criteria for purchase or have been evaluated at $0.
  • Signature Requirement: A signature requirement will only be applied to the return of lots valued at USD 1,000 or greater. 
  • Return Liability: All items sent to Alloy should be done so with the intent to sell. Once your items are processed for return and have been delivered to the carrier, Customers are responsible for engaging with law enforcement or the carrier for any loss post-delivery, including theft. Alloy will reasonably cooperate but will not be responsible for initiating any such action.
  • Timeline: Customers must request a full or partial return of Goods prior to rejecting their final offer. Once a final offer is accepted, the items may not be requested for return.

9. Payouts

  • Methods: ACH, PayPal, or Check. Subject to change.
  • Timeline: Depending on your chosen payout method, you could receive your funds instantly or in up to 10 business days.
  • U.S. Transactions: Payouts must be processed via U.S.-based financial institutions.
  • Payouts: Payouts are facilitated by Alloy electronically.
  • User Responsibility Agreement: Users are responsible for inputting accurate payout details. Alloy is not liable once funds are deposited into the account information furnished by the client. Errors due to incorrect information are the user’s responsibility.
  • Fees: No fees are charged by Alloy for processing payments. However, third-party processing fees may apply.
  • Payment Errors: If Alloy distributes a cash payout or payouts greater than the agreed-upon Final Offer, Alloy is legally entitled to request and retrieve the amount of funds greater than the accepted Final Offer.
  • Non-Refundable: Any payment made for Goods is non-refundable and there will be no return of items for any reason following Payout, including but not limited to changes of mind or disputes or fluctuations in spot price.

10. Ownership & Verification

  • Ownership Attestation: You confirm legal ownership of Goods. In the event of an ownership dispute, Alloy reserves the right to withhold payouts until the rightful owner is determined. Customers may be required to provide legal proof of ownership, such as purchase receipts or legal affidavits.
  • Identity Verification: Identity verification is required for all transactions in accordance with Know Your Customer and Pennsylvania state statutes or as requested by Alloy.
  • Stolen Goods: Alloy is not liable for competing ownership claims, including those resulting from the provision of stolen goods. If Alloy suspects you are not the owner of the provided Goods, they may be retained and provided to law enforcement for investigation. Any payouts or offers will be withheld until the conclusion of any such investigation or inquiry. 

11. Prohibited Uses

You are prohibited from using our Services for:

  • Fraud or impersonation;
  • Money laundering or illegal activities;
  • Spam, misleading offers, or harassment;
  • Unauthorized data collection; 
  • Excessive use of the valuation process without completing transactions may result in restrictions on future use; or
  • Intended valuation of items outside of our criteria.

17. Security & Privacy

Alloy implements security measures but is not responsible for external data breaches. You understand that our processing of your personal information is subject to our Privacy Policy.  

13. Intellectual Property

  • Trademarks & Content: All Site content and branding belong to Alloy Market Inc. We reserve all intellectual property rights with respect to our Site its contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof) and with respect to our Services we provide. These Terms permit you to use the Site for your own personal and non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site. We own all trademarks used on the and in connection with the Services we provide (except for third party assets), including our company name, the names of our Services, any and all graphic designs, and slogans. You may not copy, use, or distribute any of our trademarks or intellectual property without our express prior written consent.
  • Usage Restrictions: No reproduction or distribution of our intellectual property rights is allowed without express permission from Alloy.

14. Liability; Indemnification

  • Liability Cap: OUR SOLE AND ENTIRE MAXIMUM LIABILITY (AND THE LIABILITY OF ANY OF THE PROVIDERS OF PRODUCTS AND SERVICES AVAILABLE ON OUR SITE), FOR ANY REASON, AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE WHATSOEVER, SHALL BE LIMITED TO THE LESSER OF (i) USD 5,000 USD PER TRANSACTION; (ii) ONE-THIRD (1/3) OF THE APPLICABLE FINAL OFFER; AND PROVIDED IN NO CASE SHALL OUR LIABILITY EXCEED THE INSURED VALUE OF THE PARCEL. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO YOUR USE OF OUR SERVICES OR TRANSACTING ON OUR SITE.
  • Indemnification: Users indemnify Alloy against claims from ownership disputes. You agree to indemnify us and our members, managers, employees, agents, and officers (collectively, “Indemnified Parties”) and defend and hold the Indemnified Parties harmless from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees and costs) arising out of or relating to your violation of these Terms or your use of this Site, including, without limitation, your attestation of ownership of the Goods submitted by you to us and your use of the Site or our Services for any prohibited use.
  • Disclaimer of Warranty: ALL SERVICES AVAILABLE ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT THE SERVICES AVAILABLE ON THIS SITE WILL MEET YOUR REQUIREMENTS; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF OUR SERVICES WILL BE EFFECTIVE, ACCURATE, OR RELIABLE; OR THE QUALITY OF ANY SERVICES WILL MEET YOUR EXPECTATIONS. WE DO NOT ACCEPT LIABILITY BEYOND THE REMEDIES SET FORTH HEREIN, INCLUDING ANY LIABILITY FOR SERVICES THAT ARE NOT AVAILABLE FOR USE. IN NO EVENT SHALL WE OR OUR PARENT, MANAGERS, EMPLOYEES, OR OFFICERS (COLLECTIVELY, OUR “REPRESENTATIVES”) HAVE ANY OBLIGATIONS OR LIABILITIES TO YOU OR ANY OTHER PERSON FOR LOSS OF PROFITS, FOR LOSS OF BUSINESS OR USE, OR FOR INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER THEORY OR FORM OF ACTION, EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY THEREOF, ARISING OUT OR IN CONNECTION WITH THE SALE, DELIVERY, USE, REPAIR OR PERFORMANCE OF THE PRODUCTS/SERVICES AVAILABLE THROUGH THIS SITE AND APPLICATION. NONE OF OUR EMPLOYEES OR REPRESENTATIVES ARE AUTHORIZED TO MODIFY THIS LIMITATION.
  • Waiver: No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

20. Informal Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT LIMITS THE MANNER IN WHICH YOU AND ALLOY CAN SEEK RELIEF FROM EACH OTHER AND REQUIRES ALL DISPUTES TO BE BROUGHT SOLELY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION OR ANY OTHER KIND OF REPRESENTATIVE PROCEEDING.

  • Disputes: The term “Disputes” means any disputes, claims, actions, and other controversies between you and Alloy or between you and the affiliates or agents of Alloy that, in either case, arise out of or relate to these Terms, the Services, or any other products or services related thereto, whether based in contract, tort, warranty, fraud, misrepresentation, statute, regulation, or another legal or equitable basis.
  • Informal Dispute Resolution Prior to Arbitration: If you have a Dispute with Alloy or if Alloy has a Dispute with you, you or Alloy must first attempt to resolve the Dispute through informal negotiation for a period of sixty (60) days, or such longer period as mutually agreed in writing (email suffices) by the parties (“Informal Resolution Period”) from the day either party receives a written notice of a Dispute from the other party (a “Claimant Notice”) in accordance with these Terms. The Informal Resolution Period is designed to allow the party who has received a Claimant Notice to make a fair, fact-based offer of settlement if it chooses to do so. The statute of limitations and any filing fee deadlines for a Dispute will be tolled for the duration of the Informal Resolution Period for that Dispute so that the parties can engage in this informal dispute-resolution process.

    A valid Claimant Notice must be in writing and include all of the following: (i) the name, address and email address of the party giving notice, (ii) a description of the nature and facts of the Dispute, (iii) the relief requested, including the damages sought, if any, and a detailed calculation of them, (iv) an acknowledgement that the Dispute is subject to these Terms, and (v) a personally signed statement from the claimant (and not their counsel) verifying the accuracy of the contents of the notice. A Claimant Notice must be individualized, meaning it can only concern yours or Alloy’ Dispute and no other person’s or entity’s Dispute.

    You will send any Claimant Notice to Alloy at the following address:

    Alloy Market, Inc.
    Re: Notice of Dispute
    11 Penns Trail, Suite 800
    Newton, PA 18940

    with a copy by email to [email protected] with the subject heading: “Notice of Dispute.”

    We will send any Claimant Notice to you at the contact information we have for you.

    If a party receives a Claimant Notice, the receiving party will acknowledge receipt of the Claimant Notice and make a good faith effort during the Informal Resolution Period to either resolve the Dispute or explain why the claimant is not entitled to relief. Neither you nor Alloy may commence any court action or other legal proceeding regarding a Dispute before the end of the Informal Resolution Period. If you or Alloy file for arbitration or other legal proceeding regarding a Dispute without complying with the requirements in this Section, including waiting until the conclusion of the Informal Resolution Period, the other party may (i) seek relief from a court to enjoin the filing until the requirements in this Section are fully met and (ii) seek damages from the party that has not followed the requirements in this Section to reimburse it for any costs incurred as a foreseeable consequence of that breach.
  • Meet and Confer: The recipient of a Claimant Notice may request an individualized telephone or video settlement conference, and both parties shall personally attend (with counsel, if represented) any conference that is held. You and Alloy agree to work cooperatively to schedule the conference at the earliest mutually convenient time (with the Informal Resolution Period being extended as needed until that time) and to seek to reach a resolution during any such conference.

15. Arbitration

  • Class Action Waiver: This Section 15 (the “Arbitration Provision”) will apply to the fullest extent permitted by applicable law. NO DISPUTE SHALL BE JOINED TO ANY OTHER DISPUTE, INCLUDING ANY DISPUTE INVOLVING ANY OTHER CURRENT OR FORMER USER OF THE SERVICES. NO CLASS ACTION PROCEEDINGS OR ANY PROCEEDINGS IN WHICH EITHER YOU OR ALLOY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY SHALL BE PERMITTED, AND NEITHER YOU NOR ALLOY WILL PARTICIPATE AS A CLASS MEMBER IN ANY LEGAL PROCEEDINGS ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, THE SERVICES OR ANY OTHER PRODUCTS OR SERVICES RELATED THERETO. ANY RELIEF MAY BE AWARDED ONLY INDIVIDUALLY AND ONLY TO THE EXTENT NECESSARY TO REDRESS YOUR OR ALLOY’ INDIVIDUAL CLAIM(S); RELIEF MAY NOT BE AWARDED ON BEHALF OF OTHERS OR THE GENERAL PUBLIC.
  • Arbitration Procedures: THIS ARBITRATION PROVISION AFFECTS YOUR RIGHTS; PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS OF USE. Except as otherwise explicitly provided in this Arbitration Provision, Alloy and you elect to resolve any Dispute that is not otherwise resolved through the Information Dispute Resolution process set forth in this Section, through binding arbitration under the Consumer Arbitration Rules (“the Consumer Rules”) of the American Arbitration Association (“AAA”), rather than in court.  

    After the expiration of the Informal Dispute Resolution Period, either party can initiate arbitration through the AAA or by filing a motion to compel arbitration of claims filed in court.  Regardless of who elected arbitration or how arbitration was elected, the party asserting the claim (i.e., the party seeking money damages or other relief from a court or an arbitrator) is responsible for starting the arbitration proceeding.  If the AAA cannot serve and we cannot agree on a substitute, a court with jurisdiction shall select the arbitrator, who will apply the AAA rules and the procedures specified in this Arbitration Provision.  Any arbitrator must be a practicing attorney with ten or more years of experience practicing law or a retired judge.  Any arbitration will be governed by the then-current Consumer Rules, and its Procedures for the Resolution of Disputes through Document Submission (“Document Submission Procedures”).  For more information about the AAA and its rules, you may contact the AAA at American Arbitration Association, 120 Broadway, Floor 21, New York, N.Y. 10271, 1-800-778-7879, www.adr.org.  The Document Submission Procedures are included in the Consumer Rules.  The parties shall pay filing, administrative and arbitrator fees in accordance with the Consumer Rules.  If you cannot afford to pay your share of the fees and cannot obtain a waiver from the AAA, you can make a written good faith request for a Transaction Party to pay or advance such fees.  Each party will bear the expense of its own attorneys, experts and witnesses, regardless of which party prevails, unless applicable law, these Terms of Use or an applicable agreement gives a party the right to recover such expenses from the other party.  If the arbitrator determines that any party’s claim or defense is frivolous or wrongfully intended to oppress or harass the other party, or lacks standing as required by these Terms, the arbitrator may award sanctions in the form of fees and expenses reasonably incurred by the other party if such sanctions could be imposed under Rule 11 of the Federal Rules of Civil Procedure.  The arbitration will be conducted by a single arbitrator solely based on written submissions and will not require any personal appearance by the parties or witnesses unless the arbitrator determines that a telephonic or in-person conference or hearing is necessary based on the request of one or more of the parties.  
  • RIGHT TO OPT OUT: If you do not want this Arbitration Provision to apply, you must send us a signed notice within thirty (30) calendar days of the date on which you electronically submit an application for a product or service offered by a Transaction Party through the Site or Services.  You must send the notice in writing (and not electronically) to Alloy Market, 11 Penns Trail Suite 800, Newtown, PA 18940.  You must provide your name, address, telephone number, and state that you “opt out” of the Arbitration Provision.  Opting out will not affect the other provisions of these Terms or any other agreement governing the Site or with a Transaction Party.  If you do not opt out, you will be bound by this Arbitration Provision in these Terms and any other agreement governing a Service or with a Transaction Party.  Please note that if you enter an agreement with a Transaction Party that contains a different arbitration provision with a right to opt out, opting out of this Arbitration Provision is not a rejection of the arbitration provision in the other agreement.  You will need to separately opt out of the arbitration provision in the other agreement if you do not want it to apply.
  • Exceptions to Arbitration: The following types of Disputes are not subject to the foregoing Arbitration Provision: (i) Disputes or controversies about the validity, enforceability, coverage, or scope of the Arbitration Provision; (ii) Disputes that can be brought in small claims court (or an equivalent court) if that option is available in the applicable jurisdiction and the amount in controversy falls within the small claims court’s (or the equivalent court’s) jurisdictional limits. Moreover, this Arbitration Provision will not apply to any Dispute that was already pending in court before this Arbitration Provision took effect.
  • Governing Law: The Federal Arbitration Act (“FAA”), 9 U.S.C. 1 et seq., and federal arbitration law apply to this Arbitration Provision.  There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court in an individual case and must apply and follow applicable substantive law, consistent with the FAA, and the terms of these Terms and any agreement governing the use of the Site and the Services.  The parties further agree that, in order to bring a claim in arbitration, they must first be able to satisfy the federal standing requirement under Article III of the United States Constitution with respect to their claims, and that the arbitrator shall be empowered to make a binding determination on standing.  The arbitrator shall apply applicable statutes of limitations and honor privilege rules.  Any judgment on the award rendered by the arbitrator will be final, subject to any appeal rights under the FAA, and may be entered in any court of competent jurisdiction.  No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision. 
  • Venue and Jurisdiction: Any arbitration shall be conducted in Philadelphia, Pennsylvania. For any actions not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Philadelphia, Pennsylvania.
  • Miscellaneous; Conflicts: Even if all parties have opted to litigate a Dispute in court, a party may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in that or any related or unrelated lawsuit (including a claim initially asserted on an individual basis but modified to be asserted on a class, representative, or multi-party basis).  Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision.  If any portion of this Arbitration Provision is inconsistent with the Consumer Rules, with these Terms, or your agreements governing the use of the Services, or with an arbitration provision in any agreement with a Transaction Party, this Arbitration Provision shall govern.
  • Severability: If any part of this Section is found to be unlawful or unenforceable for any reason, including but not limited to because it is found to be unconscionable, (i) the unenforceable or unlawful provision will be severed from these Terms and (ii) the remainder of these Terms will remain in effect. If the class action waiver above is found to be unlawful or unenforceable in a state for any reason, to the fullest extent allowed by applicable law, claimants may seek certification only of a class composed of residents of that state. Further, if any part of this Section is found to unlawfully prohibit an individual claim seeking public injunctive relief that provision will have no effect to the extent such relief is allowed to be sought, and the remainder of this Section will be enforceable.
  • Third-Party Beneficiaries: You must resolve Disputes with our past, present, and future affiliates and agents as though they were or are Alloy. Such affiliates and agents are third-party beneficiaries of this Section and can enforce this Section as though they were or are Alloy in the event they become involved in a Dispute with you. Otherwise, these Terms are only for the benefit of, and will only be enforceable by, you and Alloy only and do not give rights to any third parties. 

16. Force Majeure

Notwithstanding any provision in these Terms to the contrary, we are not liable for any act, omission, result, or consequence (including any delay in performance or change in value of any Good) to the extent it is caused by or results from a Force Majeure. A “Force Majeure” means a cause or event that is not reasonably foreseeable by us or otherwise caused by us or under our control, including, without limitation, an act of God, pandemic, epidemic or health emergency or government orders in response to any of the foregoing (including, without limitation, shut-downs, shelter in place, and quarantine orders), flood, explosion, fire, smoke, water, riot, war, hurricane or other extreme weather, environmental contamination, condemnation, sabotage, terrorism, vandalism, accident, restraint of government, governmental act, injunction, labor strike or labor unrest (regardless of whether a party is capable of settling such labor problem), supply chain shortages, and/or other like event that is beyond the reasonable anticipation and control of the party affected thereby, whether similar or dissimilar to those listed above, and despite such party’s reasonable efforts to prevent, avoid, delay, or mitigate the effect of such act, event, or occurrence.

17. Communications & Marketing

  • Users cannot opt out of transactional messages.
  • Marketing emails and texts can be opted out.

18. Insurance Claims Process

Alloy provides insurance coverage on eligible shipments under the conditions outlined in Section 4 (Shipping & Insurance) and Section 8 (Returns). If a package is lost, stolen, or damaged while in transit to or from Alloy, customers may file an insurance claim within 30 days of being notified of the issue.

  1. Eligibility: To qualify for an insurance claim, customers must:
    • Have shipped their package using an Alloy-provided FedEx label and followed all secure shipping guidelines.
    • Provide all required documentation listed in this Section 18.
    • Have obtained a FedEx drop-off receipt at the time of shipment.
    • Have followed Alloy’s secure packaging guidelines to prevent tampering, damage, or loss.

Failure to meet these eligibility requirements may result in the denial of the insurance claim.

  1. Overview of Claims Filing Process & Timeline:
    • Step 1: Customer Notification & Initial Reporting 
      • Customers must notify Alloy without undue delay upon discovering damage or reasonably suspecting loss.
      • Alloy will contact FedEx directly to initiate a missing package investigation.
    • Step 2: Submission of Required Documentation (Within 7 Days)
      • Customers must submit all required documentation to Alloy as set forth in this Section 18 within 7 days of filing a claim.
    • Step 3: Investigation & Verification (Up to 30 Business Days)
      • Alloy and the insurer will review the claim, verify documents, and investigate the loss.
      • Additional information may be requested during this time.
    • Step 4: Claim Decision & Payout (If Approved)
      • If the claim is approved, the customer will receive an insurance payout equal to the insured shipment value (up to the coverage limit).
      • If the claim is denied, the customer will receive a written explanation of the reason.

Insurance claims typically take up to 30 business days to process, but additional time may be required for complex cases.

  1. Required Documentation for Claims Processing: To process an insurance claim, customers must provide the following documentation:
    • Tracking Receipts & Drop-Off Confirmation: A FedEx drop-off receipt showing that the package was scanned into the shipping system.
    • Photo & Video Evidence: 
      • Photos of the package contents alongside the FedEx shipping envelope before shipment.
      • Photos of the sealed package before drop-off to verify tamper-proof packaging.
      • Security footage (if available) from the drop-off location to verify the shipment occurred.
    • Proof of Ownership & Value
      • A detailed written description of the items, including weight, purity, and estimated value.
      • Proof of purchase, appraisal, or previous transaction records that verify the item’s value.
    • Identity Verification:
      • A government-issued photo ID (e.g., passport, driver’s license, or state ID).
      • Additional identity verification may be required for high-value claims ($10,000+).
    • Notarized Affidavit or Police Report
      • Customers are required to provide a notarized affidavit or police report attesting to the details of the lost or stolen package.
      • This step is mandatory for claims exceeding $5,000.

Failure to submit all required documentation may result in the denial of an insurance claim.

  1. Exclusions & Claim Denials: Alloy reserves the right to deny or reject insurance claims for any of the following reasons:
    • There was a failure to obtain a FedEx drop-off receipt.
    • The declared shipment value does not match the transaction records.
    • The shipment was not packaged according to Alloy’s security guidelines.
    • The customer failed to provide the required documentation within the 30-day deadline.
    • Fraudulent claims, misrepresentation of item values, or false statements.
    • Claims filed after the 30-day submission deadline.

If a claim is denied, Alloy will provide a written explanation, and the customer is responsible for any incurred losses.

  1. Appeal Process for Denied Claims: 
    • If a claim is denied, the customer may submit a formal appeal request within 10 business days of the denial.
    • The dispute must include new supporting evidence that was not previously submitted.
    • Alloy will review the dispute within 15 business days and issue a final decision.
    • Final decisions on disputes are binding, and no further appeals will be accepted.
    • Any disputes regarding denied appeals are subject to the Informal Dispute Resolution and Arbitration provisions set forth in Sections 14 and 15 of these Terms. 
  1. Additional Information & Assistance: For questions regarding the insurance claims process, customers may contact us a set forth below:

19. Right to Refuse Service

Alloy reserves the right to refuse service to individuals at its sole discretion with a history of:

  • Fraudulent activity.
  • Submitting counterfeit goods.
  • Engaging in abusive, threatening, or harassing behavior toward Alloy staff.
  • Attempting to circumvent Alloy’s transaction limits or policies.
  • Using false identities or impersonating another individual.
  • Any other reason Alloy deems sufficient.

Once service is refused, the customer is prohibited from using Alloy services, and future submissions may be rejected.

Once your Account is terminated, you acknowledge and agree that we may permanently delete your Account and all the data associated with it, except where prohibited by law. Usernames and/or certain aspects of login information are unique and can only be used once. If your Account has been terminated, the username and/or login information will no longer be available for use on any future Accounts and cannot be reclaimed.

20. Best Offer Guarantee / Competitor Bonus

  • Alloy will match any competitor’s offer up to 95% of the melt value. 
  • To qualify for the Best Offer Guarantee, you must:
    • Provide a verified copy of the competitor’s written offer to our customer service before accepting your Final Offer.
    • Ensure the written offer includes the weight, purity, and total amount for each item, comparable to the details provided by Alloy.
  • Competitor offers must be dated within 7 calendar days of submission to Alloy. Expired or outdated offers will not be honored.

21. Fraud Prevention & Response

  • Transaction Monitoring: All transactions are subject to automated fraud detection and manual review for suspicious activity. Customers submitting fraudulent goods, excessive test requests, or attempting to manipulate the valuation process may have their accounts permanently banned. Alloy reserves the right to pursue legal action in cases of fraud, impersonation, or misrepresentation.
  • Account Suspension: Alloy reserves the right to suspend or terminate accounts involved in suspected fraudulent activity.
  • Verification Requirements: Users may be required to provide government-issued ID, proof of address, or video verification to confirm their identity.
  • Transaction Holds: Alloy may freeze payouts and place transactions on hold pending investigation.
  • Law Enforcement Cooperation: Confirmed fraud cases may be reported to local, state, or federal authorities.
  • No Liability for Fraudulent Transactions: Alloy is not liable for losses resulting from user negligence, stolen identities, or fraudulent transactions.

22. Walk-In Customers

  • Appointments & Eligibility: Walk-in transactions are by appointment only. Customers must be 18+ years old with a valid government-issued ID.
  • Item Inspection & Offers: Items are weighed and tested on-site. Final Offers are non-negotiable and must be accepted or rejected before leaving.
  • Payouts: Payouts will be processed by Alloy electronically, including checks, ACH, or Wire. Customers must verify payout details before leaving.
  • Security and Compliance: Customers visiting Alloy locations for in-person transactions must:
    • Schedule an appointment and present a valid government-issued photo ID.
    • Undergo a brief security verification process upon arrival.
    • Acknowledge that once an offer is accepted and the customer departs, Alloy is the sole owner of the Goods. The Goods are not eligible for re-evaluation, refunds, or disputes.
  • Customer Responsibilities: Disputes must be raised before leaving. Alloy is not responsible for items once the customer leaves our Headquarters.
  • Surveillance & Reporting: All walk-in transactions are recorded on security cameras. If fraudulent activity is suspected, transactions may be placed on hold and reported to the authorities.

23. Compliance with Regulations

  • Anti-Money Laundering (AML): Alloy complies with U.S. AML laws to prevent fraudulent or illegal financial activities.
  • Customer Identification (KYC): Users must provide valid identification for verification before completing transactions. This can be a Government-issued ID, proof of address, and, in some cases, a video verification process.
  • Transaction Monitoring: Alloy monitors transactions for suspicious activity and may require additional verification.
  • Reporting Obligations: Transactions meeting reporting thresholds may be reported to relevant authorities, including IRS and FinCEN.
  • Prohibited Transactions: Alloy does not engage in transactions involving stolen goods, counterfeit items, or activities that violate federal or state laws.
  • Law Enforcement Cooperation: Alloy may suspend accounts, freeze transactions, or provide information or Goods to authorities as required by law.
  • Sanctions Compliance: Alloy complies with U.S. government sanctions programs and will not engage in transactions involving embargoed countries or restricted persons.

24. Refund & Chargeback Policy

  • Payouts are final. Once funds have been initiated customers cannot dispute or reverse a payout.
  • If a customer initiates an unauthorized chargeback through their bank, Alloy reserves the right to:
    • Suspend the customer’s account,
    • Report fraudulent chargebacks to collections agencies, and
    • Pursue legal action for reimbursement.
  • In cases of processing errors, Alloy will investigate and may issue a refund at its sole discretion.