Terms and Conditions

1Who we are, and what these terms cover

This website is operated by CC Britain Limited, a company registered in England and Wales under company number 16702130, whose registered office is 3rd Floor Marlborough House, 298 Regents Park Road, Finchley, London N3 2SZ. We trade as Capital Coins. In these terms “we”, “us” and “our” mean CC Britain Limited, and “you” means the person or business buying from us.

These terms apply to every sale we make through this website, by telephone and by email. They apply to the exclusion of any other terms you seek to impose, and no purchase order, acknowledgement or other document of yours varies them unless we have agreed to that variation in writing.

You can contact us on 0333 042 8414 or at admin@capitalcoins.co.uk.

2Who may buy from us

You must be at least 18 years old and legally capable of entering into a binding contract. We sell and deliver within the United Kingdom only. We may decline to deal with anyone, and may require evidence of identity, address, or the source of funds before accepting an order.

3We are dealers, not advisers

We sell coins as collectible items. We are not authorised or regulated by the Financial Conduct Authority and we do not give financial, investment, wealth management, tax or legal advice. Nothing on this website, in our catalogue, in correspondence with us or said by any member of our staff is advice or a recommendation to buy, hold or sell anything.

Coins are not a regulated investment. They are not covered by the Financial Services Compensation Scheme and you have no right of complaint to the Financial Ombudsman Service in respect of a purchase from us. If you are considering a purchase for financial reasons you should take independent professional advice first.

4Market risk, value and liquidity

The value of a coin can fall as well as rise. Precious metal prices move constantly and collector demand changes. We make no representation, promise or forecast about what any coin will be worth at any time in the future, about whether it can be sold, or about what it might sell for.

We are under no obligation to buy back any coin we have sold. Where we do offer to buy, the price offered is the price we are willing to pay on that day and is not related to the price you paid.

5Prices, and errors in them

Prices are shown in pounds sterling and are the prices in force at the moment the page is loaded. They move with the precious metal markets and with the individual coin, and they may change without notice. A price quoted to you by telephone or email is open for the period we state and, if none is stated, for the remainder of that business day.

Coins listed on this site are individual items. Despite our efforts a coin may occasionally be listed at an incorrect price or with an incorrect description. We are not obliged to sell at an incorrect price. Where an error is obvious and could reasonably have been recognised by you as an error, we may cancel the order and refund you in full, and we may do so after payment has been taken and before or after dispatch. Our refund of the sums you paid is our entire liability to you in that event.

6Your order, and when a contract is made

Everything shown on this site is an invitation to treat and not an offer. Your order is an offer to buy. Acknowledgement of your order, whether on screen or by email, confirms that we have received it and is not acceptance of it.

A contract is formed only when we dispatch the coin to you, and only for the coins we actually dispatch. Until that moment we may decline your order in whole or in part for any reason, including that the coin has already been sold, that the price or description was wrong, that payment has not cleared, that we cannot verify your identity or the source of your funds, or that we suspect fraud or unlawful activity. If we decline, we refund any sum you have paid for the part declined, and that refund is our entire liability.

7Payment, and cleared funds

Payment is taken through our checkout provider. Your card details are entered on their pages and are not sent to, seen by or stored on this website. We dispatch only against cleared funds in full; we do not supply on credit or on account unless we have agreed that separately and in writing.

Where an order is agreed by telephone or email rather than paid at checkout, payment must reach us in cleared funds within two business days of the order, and within 24 hours where the order exceeds £50,000. We reserve the right to cancel any order not paid within that period and to charge you the difference between the agreed price and the price at which we are able to sell the coin afterwards, where that difference is a loss to us.

We may require identity and source of funds verification before accepting payment, and we will do so where an order exceeds £10,000 or where a series of orders reaches that figure. We may refuse or return any payment where verification is not completed to our satisfaction. We do not accept cash.

8Delivery, title and risk

Delivery within the United Kingdom is free and every parcel is insured while it is in transit. Delivery dates given by us are estimates and are not of the essence of the contract.

Title to a coin passes to you only when we have received payment in full and in cleared funds. Until then the coin remains our property. Risk passes to you on delivery, or on the first attempted delivery to the address you gave us, whichever is earlier.

You must give us a correct and complete delivery address. Delivery to that address discharges our obligation to deliver, and we are not liable for loss arising from an address you gave us incorrectly, from an instruction you gave the carrier, or from a parcel left with a neighbour or in a place of your choosing at your direction.

9Checking your order on arrival

Please examine your parcel on arrival. You must tell us of any damage, shortage or wrong item within 48 hours of delivery, and keep the packaging and the item as they arrived. We cannot pursue a claim with our carrier or insurer outside that window, and after it we are not liable for damage or shortage in transit.

This clause does not affect your rights where a coin is faulty or not as described; those are dealt with in section 12 and are not limited by time in this way.

10Coins sealed by a grading service

Where a coin is described as graded, it has been assessed and encapsulated by an independent grading company, ordinarily NGC or PCGS. We do not grade coins and we do not assign, influence or guarantee any grade. A grade is that company’s opinion at the time of grading, and grading companies revise their standards and their opinions.

Population and census figures we quote are the grading company’s figures at the time of writing and change as more coins are submitted. Mintage and issue limit figures are those published by the issuing mint. We are not liable for the accuracy of any of those third party figures.

Do not break the seal on a graded holder. A coin removed from its holder is no longer the item we sold, and we will not accept its return, exchange or any claim in respect of it.

Coins not described as graded are sold ungraded. Any opinion we express about an ungraded coin is our opinion and not a certification.

11Cancellation

You may cancel an order for any reason within 14 days of the day the coin is delivered to you, without giving us a reason. Tell us by email or telephone within that period, and send the coin back within 14 days of telling us. We will confirm the return address before you send anything.

We refund the price you paid together with the delivery cost we charged, within 14 days of the coin reaching us. The cost of returning it is yours. We ask that you return it by a tracked and fully insured service, because the coin remains at your risk until we receive it.

You may examine a coin as you reasonably could in a shop. Where the value of a coin is reduced by handling beyond that, we may recover the reduction from the refund. In particular, a certification holder cannot be resealed: breaking the seal on a graded coin removes its certification and materially reduces its value, and that reduction will be deducted.

Some of the coins we sell are priced by reference to the precious metal markets, and regulation 28(1)(b) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 would permit us to except those from the right above. We do not rely on that exception, and the 14 day right in this section applies to everything we sell.

Nothing in this section affects your rights where a coin is faulty or not as described.

12Faulty coins, and coins not as described

If a coin is faulty, not as described or not of satisfactory quality you have rights under the Consumer Rights Act 2015, and nothing in these terms limits or excludes them. Tell us and we will put it right.

A coin returned to us should be in the condition in which it was supplied, in its original holder or packaging, with any certificate. Where you are cancelling rather than reporting a fault, section 11 sets out the position, including the effect of breaking the seal on a graded coin.

13Photographs, descriptions and specifications

We photograph coins individually and describe them as accurately as we can. Photography cannot reproduce a coin exactly: toning, lustre and the appearance of a mirror field vary with lighting and with the screen you are using, and minor variation between a photograph and the coin is not a fault.

Specifications, weights, diameters and designer attributions are taken from the issuing mint, the grading company or our own records. Obvious clerical errors may be corrected without liability.

14Selling coins to us

Where we agree to buy a coin from you, you warrant that it is yours to sell, that it is free of any charge or claim, that it has not been stolen, and that it is not a forgery or a replica. You agree to provide identification and, where we ask for it, evidence of how you came by the coin.

A price we offer is subject to our physical inspection and is withdrawn if the coin differs from your description of it. We may decline to complete any purchase and may retain any item where we are required to do so by law or by the police. You indemnify us against any loss we suffer as a result of a breach of the warranties in this section.

15Our liability to you

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited.

Subject to that:

• our total liability arising out of or in connection with a contract, whether in contract, tort including negligence, breach of statutory duty or otherwise, is limited to the price you paid for the coin to which the claim relates;
• we are not liable for any loss of profit, loss of anticipated saving, loss of opportunity, loss of or damage to reputation, loss of expected increase in value or of any expected gain, or for any indirect or consequential loss; and
• we are not liable for any loss arising from movements in the price of precious metals or in collector demand, whether or not we were aware that you were buying with those movements in mind.

You must bring any claim within twelve months of the date of delivery, after which we have no liability. This does not apply where a longer period is required by law.

16Matters outside our control

We are not liable for any failure or delay in performing our obligations where that failure or delay results from something outside our reasonable control, including an act of God, fire, flood, epidemic, war, civil unrest, terrorism, strike or other industrial action, failure of a carrier, of a payment provider, of a grading company, of a mint, of telecommunications or of a utility, the act or omission of a government, or a cyber attack. If such an event continues for more than 30 days either of us may cancel the affected order, and we will refund any sum you have paid for it.

17Trade and business customers

Where you buy in the course of a business, whether through our wholesale application or otherwise, you are not a consumer and the following applies in addition to and, where it conflicts, in place of the rest of these terms.

• The Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 do not apply. There is no right to cancel.
• You confirm that you buy on your own account and in reliance on your own inspection, expertise and judgement, and not on any statement, description, photograph or opinion of ours. All terms implied by statute or common law are excluded to the fullest extent permitted.
• You must examine coins on delivery and notify us of any claim within 48 hours, after which the coins are accepted.
• Our total liability is limited to the price paid for the coin concerned, and we are not liable for any loss of profit or any indirect or consequential loss whatsoever.
• Wholesale access is granted at our discretion, may be withdrawn at any time without reason, and creates no obligation on us to offer, reserve or supply any coin at any price.
• You may not resell a coin using our photographs, descriptions or branding without our written consent.

18Intellectual property

All content on this website, including our name, logo, photographs, descriptions, specifications, guides and the arrangement of them, belongs to us or is used by us under licence, and is protected by copyright and other rights. You may view and print pages for your own use. You may not copy, reproduce, republish, scrape, frame, or use our content for any commercial purpose, or use it to train any automated or machine learning system, without our written consent.

19Your data

We handle personal data as set out in our privacy policy, which forms part of these terms.

20Complaints

If something has gone wrong, tell us. Write to admin@capitalcoins.co.uk or call 0333 042 8414 and we will acknowledge your complaint and tell you what we intend to do about it. We do not subscribe to an alternative dispute resolution scheme.

21Changes to these terms

We may change these terms at any time. The terms that apply to your order are the terms published on this page at the time you placed it, and we suggest you save or print a copy when you order.

22General

These terms, with our privacy policy and the details of your order, are the entire agreement between us and replace anything said or written beforehand. You confirm that you have not relied on any statement or representation that is not set out in them, save that nothing limits liability for fraudulent misrepresentation.

If any provision is found to be unenforceable, the rest continues in force and that provision applies with the minimum modification necessary to make it enforceable. A delay or failure by us to enforce a term is not a waiver of it. We may transfer our rights and obligations under a contract to another business; you may not do so without our written consent. A person who is not a party to a contract has no rights under the Contracts (Rights of Third Parties) Act 1999.

23Governing law

These terms and any dispute arising out of or in connection with them, including any non-contractual dispute, are governed by the law of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer resident in Scotland or Northern Ireland you may also bring proceedings in the courts of the country in which you live.