Terms of service

The Yard Mint refines and retails precious metals. By accessing our site, opening an account or purchasing physical assets, you agree to be bound by these Terms of Service.

Core operations

Our business is the refining and retail of precious metals in the United Kingdom. See our Services page for a full list of products and operations.

We reserve the right to limit product allocations or restrict distributions to any person, household or geographic jurisdiction at our sole discretion.

Legal custody and vault allocation

When you hold precious metals within our vault, your assets are protected by the definitive legal principles of bailment under English Law. You retain absolute, unencumbered legal and beneficial title to your physical metals at all times. You remain the full owner of your property; The Yard Mint acts strictly as its physical storage keeper (bailee).

Your holdings are 100% physically backed, fully segregated and safely allocated within verified institutional vault facilities inside the United Kingdom and across our secure international partner networks (including segregated infrastructure in the United States).

Storage rates and account fees

All comprehensive vault storage rates, liquidation percentages, network transaction rules, dynamic account tier incentives and late payment administrative fees are published on our live Vault Terms, Rates and Fees page.

Market prices and final sales

Precious metal markets fluctuate continuously based on global spot indices. Under UK consumer law — specifically Regulation 28(1)(a) of the Consumer Contracts Regulations 2013 — the standard 14-day statutory right to cancel does not apply to contracts where the price is dependent on financial market fluctuations outside the trader's control.

Pieces we sell at a fixed price, such as many commemorative and collector coins, are not priced from the market. Their product pages say “14 days to change your mind”, and you can cancel them within 14 days of delivery, as set out in our Refund policy.

If you ask before we dispatch, we may agree to cancel market-priced items on the terms in our Refund policy: you pay any fall in the metal price since your order and an administration charge of 2.5% of their value.

Items that are faulty or not as described are covered by our Refund policy. Nothing in these terms affects your statutory rights.

Account and billing integrity

We reserve the right to cancel or refuse any transaction or order request you place with us. This includes restrictions on orders placed under the same profile, credit card or matching billing and shipping locations to maintain security compliance.

You agree to maintain complete, accurate and verifiable personal identity and account details. You must update your profile promptly so that we can verify transfers and fulfil our regulatory requirements.

Your order is confirmed, and its price fixed, when we accept it. If payment does not reach us within 2 working days, a payment fails or is withdrawn before we dispatch, or identification we ask for is not provided within 5 working days, we may cancel the order on the terms in our Refund policy. If an item is shown at an obviously wrong price, we may cancel the order and refund you in full.

Prohibited uses

You are strictly prohibited from using our website, database interfaces or physical assets:

• For any unlawful purpose or to breach regional UK regulations and anti-money laundering laws.
• To upload, seed or transmit viruses, tracking exploits or malicious structural codes.
• To deploy automated scraping tools, spider frameworks or data-mining systems against our network infrastructure.

Disclaimers and liability

The Yard Mint Limited is a precious metals refiner and retailer, and the physical bailee of metals held in our vault. We are not a financial institution regulated by the Financial Conduct Authority (FCA), and our accounts are not covered by the Financial Services Compensation Scheme (FSCS). All historical charts, spot indicators and marketplace content are for general informational purposes only and do not constitute regulated investment, tax or financial advice.

We are not responsible for losses caused by movements in metal prices, or by your own decisions about what to buy, hold or sell, including lost savings or a fall in the value of your metal. Nothing in these terms excludes or limits our liability where the law does not allow it, including for death or personal injury caused by our negligence, for fraud, or under your statutory rights as a consumer.

Governing law

These Terms of Service and any transactional contracts whereby we provide refined assets or secure custody are governed by, and construed in accordance with, the laws of England and Wales.

Personal data profiles, identity verifications and checkout processes operate in strict compliance with the UK GDPR and Data Protection Act 2018.