Terms & Conditions
About Harvard Gold Group
Harvard Gold Group, Inc. ("HGG," "we," or "us") is a family-owned precious metals dealer. We sell physical gold, silver, platinum, and palladium for direct delivery and for qualifying self-directed retirement accounts.
Customers have access to our co-owners, free consultations, and continuing account support. We do not currently employ commissioned sales representatives.
These Terms explain our services and general policies. Each metals transaction is also subject to our separate Shipping & Transaction Agreement ("STA"), which addresses orders, price confirmation, payment, delivery, cancellations, and buybacks. Please read the STA before placing an order. If these Terms and the STA conflict about a transaction, the STA governs to the extent permitted by law.
Our Risk Disclosure and Privacy Policy provide additional information and should be read separately.
What HGG Does—and Does Not Do
HGG sells precious metals and helps customers understand their available products and purchasing options. We may explain products and make general recommendations based on information you provide.
HGG is not an IRA custodian, IRA trustee, storage depository, financial advisor, tax advisor, or legal advisor. We do not act as your fiduciary. Our consultations are free and carry no obligation to buy. You decide whether to purchase metals, which products to select, and how much to spend. For advice specific to your finances or taxes, consult your own qualified professional.
Orders, Prices, and Payment
We assist customers directly with purchases; our website does not offer online checkout. Before an order is finalized, we review the metals, quantities, prices, and total cost with you.
Metals prices can change throughout the day. A quote is not a locked price until HGG confirms it. Unless we agree otherwise in writing, we lock the price after you approve your order and provide confirmation that your wire payment is on its way. A wire-request form alone does not prove funds were sent. We may ask for additional verification. If the price changes before the lock, we will ask for your approval first.
We then email the confirmed invoice. We fulfill orders after full payment is received and verified. For IRA orders, we confirm available funds with the independent custodian. The STA provides the full payment, confirmation, and order terms.
Direct Delivery
You can purchase eligible physical metals for delivery outside a retirement account. HGG ships to an address approved for the order, using discreet packaging and insured delivery. Qualifying purchases include complimentary insured two-day shipping. Two-day shipping refers to carrier transit after the order is shipped, not the time from placing or paying for an order.
Shipment timing depends on confirmed payment, product availability, and order processing. The STA explains typical delivery windows, signature requirements, insurance, and the procedure if a shipment is lost or damaged in transit. Contact HGG promptly if a package has not arrived or appears damaged. We will help investigate and resolve an insured transit loss under the applicable shipping terms.
Self-Directed Precious Metals IRAs
Certain physical metals may be purchased for a qualifying self-directed IRA. HGG supplies the metals, but the retirement account is administered and held by an independent qualified IRA trustee or custodian. A separate depository stores the metals under the custody arrangements. The custodian and depository have their own agreements and fees.
Which metals qualify?
Federal tax rules restrict the coins and bullion an IRA may hold. In general, eligible bullion must meet the following minimum purity levels:
- Gold: 99.5%
- Silver: 99.9%
- Platinum: 99.95%
- Palladium: 99.95%
Certain coins, including American Gold Eagles, qualify under specific exceptions. Many collectible coins and jewelry do not qualify. Not every coin or bar that HGG sells is eligible for an IRA. We help identify potentially eligible products, and the custodian decides which products it will accept.
Custody, storage, and funding
You cannot keep IRA-owned metals at home for personal possession while continuing to treat them as metals held inside your IRA. IRA metals must be held through a legally compliant custodian or trustee arrangement, with storage under its approved procedures. Taking personal possession may result in a taxable distribution and possible penalties.
Eligible funds may move to a self-directed IRA by a qualifying transfer or rollover, subject to IRS and plan rules. HGG can help coordinate paperwork at no additional charge from HGG; the custodian administers the account and handles the movement of funds. A rollover is not the same as a trustee-to-trustee transfer, and different tax rules may apply. Review your options with your custodian and tax professional.
Pricing and Selling Metals Back
How we price metals
HGG sets its selling prices using our cost from suppliers plus HGG’s markup. The markup is already included in the price quoted to you. Supplier costs vary by product, size, mint, availability, and market conditions. Spot price is a market reference and is not necessarily what HGG pays a supplier for a finished coin or bar.
HGG offers competitive pricing and may consider a qualifying price-match request. The STA explains the applicable pricing schedule, including the difference between purchasing and resale prices.
If you want to sell
HGG offers a buyback service for qualifying metals previously purchased from us, subject to our buyback requirements and current quote. Contact us to request an offer and instructions before sending metals. A buyback price depends on the market, the products, and our applicable resale pricing schedule. Any applicable buyback charge is described in the STA. We do not guarantee a future buyback price or that you will recover the amount you originally paid.
We continue to assist customers after purchase with records, product questions, IRA service coordination, and buyback inquiries.
Risks and Customer Decisions
Gold, silver, platinum, and palladium prices rise and fall. You can lose money, including part of your original purchase price. Physical metals do not pay interest or dividends. The difference between buying and selling prices, along with possible custodial and storage expenses, affects your return.
No future price, profit, or investment result is guaranteed. Past performance is not a reliable guide to future results. Please review our separate Risk Disclosure and consult an independent professional if you need advice for your circumstances.
Website Information and Privacy
Website information is provided for general education. Prices, promotions, product availability, and laws may change. Website content does not replace a confirmed invoice or the applicable STA. Testimonials describe individual experiences and do not guarantee similar results.
Harvard Gold Group is not affiliated with Harvard University or its related institutions.
We value customer privacy. Our Privacy Policy explains how we collect, use, share, and protect personal information and describes available privacy choices. California residents should also review our applicable California privacy disclosures.
Contact and Changes to These Terms
Harvard Gold Group, Inc. | Phone: (844) 977-4653 | Website: harvardgoldgroup.com
Please contact HGG with questions about these Terms, your account, or a transaction. We may revise these Terms from time to time. The date above identifies this version. Later website updates do not change the terms of an already confirmed transaction.
Related documents:
Shipping & Transaction Agreement: [add link to final approved STA]
Terms & Conditions
What Information Do We Collect?
We collect information from you when you register on our site or subscribe to our newsletter.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number.
What Do We Use Your Information For?
Any of the information we collect from you may be used in one of the following ways:
- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
- To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs) - To send periodic emails The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
How do we Protect Your Information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.
Do We Use Cookies?
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information
We use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
Your Consent
By using our site, you consent to our privacy policy.
Text Messaging
- HGG text messages are intended to communicate sitelinks, scheduling, and other information regarding Harvard Gold Group’s precious metals.
- You can opt out of text communication at any time. Let us know by texting “OPT OUT” or giving us a call.
- Have any questions? You can reply with the keyword HELP for more assistance, or you can get help directly at https://harvardgoldgroup.com/contact/ or 844-977-4653.
- Carriers are not liable for delayed or undelivered messages.
- As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
- If you have any questions regarding privacy, please read our privacy policy: https://harvardgoldgroup.com/privacy-policy/
Customer Testimonials
In accordance with the FTC guidelines concerning use of endorsements and testimonials in advertising, please be aware of the following:
Testimonials appearing on this site are collected or recorded via [survey text submission, email text, or interview]. They are individual experiences, reflecting real life experiences of those that have chosen to purchase gold or silver precious metals from Harvard Gold Group. Individual experiences may vary between customers. The testimonials are not necessarily representative of all of those who will be a customer of Harvard Gold Group.
The testimonials presented on goldco.com are applicable to the individuals writing them, and may not be indicative of future outcomes for prospective customers. Harvard Gold Group cannot and do not guarantee specific outcomes metrics.
The testimonials displayed (text, audio, and/or video) are given verbatim except for correction of grammatical or typing errors. Some have been shortened, so that the whole message received by the testimonial writer is not displayed. This is done only when a testimonial is lengthy, or if the entire testimonial did not seem relevant for the general public.
The customers name, and contact information may be changed to protect the privacy of the customer.
Changes to Our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.
View our CCPA Privacy Notice for California Residents here.
Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below.
844-977-4653 or [email protected]
Deliveries
Orders made with Harvard Gold Group are shipped Registered/Insured U.S. Mail, UPS & Federal Express upon receipt of good funds. All packages are fully insured for the value of the products contained and may require a signature upon delivery.
Delivery of Purchased Item(s): Upon receipt and confirmation of good funds in full payment of the purchase price, HGG shall make reasonable efforts ship metals within five to fourteen (5-14) business days after receipt of good funds. A customer’s order, however, may not be shipped until forty-five (45) business days after receipt of good funds due to market fluctuations and availability. Customers acknowledge that personal checks take a minimum of twelve (12) days to clear HGG’s bank account. If a customer’s purchase is for a deferred portfolio such as an IRA or a 401K, delivery to the trustee will be as provided in the relevant account documents.
Items Lost or Stolen in Transit: All metals shipped by HGG are fully insured. If HGG determines that any item(s) purchased by a customer have been lost or stolen while in transit to the customer by common carrier, HGG will, in its sole discretion, either refund to the customer the full purchase price for such lost item(s) or replace such item(s). Customer agrees that this shall be the customer’s sole and exclusive remedy for any losses resulting from items lost or stolen in transit. However, should a customer provide any carriers or delivery service with instructions to leave parcels un-attended or if a customer has given them instructions to leave their package with another person or drop off location, HGG will not accept responsibility in the event of any loss.