Terms & Conditions

Effective date: October 29, 2026 Last updated: October 29, 2026

Welcome. These Terms & Conditions (“Terms”) apply when you use stcharlescoin.com (the “Site”), take part in our auctions, or buy from, sell to or consign with HGWT LLC, doing business as Gallery Coins and Collectibles (“we,” “us” or “our”). By using the Site or our services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site or our services.

1. Who can use our services

  • You must be 18 or older to use our services, bid in our auctions or do business with us.
  • Our services are offered in the United States only.
  • We may refuse service, or cancel or decline any transaction, if we suspect fraud, abuse or illegal activity.

2. Items, descriptions and condition

  • Descriptions: we try to describe every item accurately. Photos may show the actual item or a typical example, and colors can look different depending on lighting and your screen.
  • Pre-owned items: most items we sell are pre-owned, vintage or from estates. Normal wear, age and signs of use are expected and are not defects.
  • Grading and certificates: grades and certificates from third-party grading services reflect that company’s opinion, not a guarantee from us.
  • Brands: unless we say otherwise, we are not affiliated with the makers or brands of the items we sell. Trademarks belong to their owners.
  • Availability: items may sell, be withdrawn or change without notice until a sale is final.

3. Pricing and market changes

  • Precious metals: prices for coins, bullion and precious metals follow the market and can change quickly. The price you pay or receive is set when we both agree to the transaction.
  • Taxes and fees: you are responsible for any applicable sales tax, shipping, insurance and similar charges.
  • Mistakes: if an item is listed with a pricing or description error, we may correct the error or cancel the sale, even after it has been confirmed. If you have already paid, we will refund you.

4. Auctions

Each auction, whether held in person, on site or online, may have its own posted terms, including the buyer’s premium, payment deadlines, and pickup or removal times. Those auction terms apply along with these Terms. If they conflict, the auction terms for that sale control.

  • Online bidding: online auctions may be run through third-party platforms such as HiBid. When you bid there, you also agree to that platform’s terms.
  • As-is: unless the auction terms say otherwise, all auction items are sold “as is, where is,” with no warranty of any kind. Please inspect items, or ask questions, before you bid.
  • Bids are binding: a winning bid is a legal agreement to buy the item at the hammer price plus any buyer’s premium and taxes.
  • The auctioneer’s decision: we may withdraw items, refuse bids, reopen bidding or settle bidding disputes at our discretion.
  • Payment and pickup: winning bidders must pay and collect items within the time stated in the auction terms. Items not paid for or collected on time may be resold, and you may still owe for them.

5. Selling and consigning with us

  • Offers: any offer we make to buy your items is based on our evaluation and current market conditions. Offers are good only at the time they are made, unless we agree otherwise in writing.
  • Ownership: when you sell or consign an item to us, you confirm that you own it, or are legally authorized to sell it, and that it is not stolen or subject to any claim.
  • Identification: we may ask for a valid photo ID and other information before buying from you, as required by law and to prevent fraud.
  • Estate sales and consignments: terms such as commission rates, fees, timelines and payout are set out in a separate written agreement, which controls if it conflicts with these Terms.

6. Payment

  • We accept the payment methods we list for each sale or transaction. Card payments may include a processing fee, which we will tell you about before you pay.
  • We may verify your identity or payment before completing a transaction, and may limit or refuse any order.
  • Disputes and chargebacks: if there is a problem with a purchase, please contact us first. We would much rather fix it with you directly. Disputing a valid charge with your bank or card company may be treated as a breach of these Terms.
  • By paying, you confirm you are authorized to use that payment method.

7. Shipping, pickup and risk of loss

  • Pickup: items not shipped must be picked up at the time and place we give you.
  • Shipping: where we offer shipping, the buyer pays shipping and insurance unless we agree otherwise. Ownership and responsibility for the item pass to you once we hand it to the carrier.
  • Lost or damaged packages: we are not responsible for items lost or damaged after the carrier accepts them, but we will help with any carrier claim we can. We strongly recommend insured shipping with signature confirmation.

8. Returns and refunds

  • All sales are final, including all auction purchases. We do not accept returns or give refunds, except as described below or required by law.
  • Wrong item: if you receive an item that is clearly not the one you bought, contact us within 3 days of receiving it, with photos and your invoice. We will review it and, if we agree, replace the item or refund you for it.
  • Any exceptions are at our sole discretion. Approved refunds go back to the original payment method.

9. Communications

When you give us your contact information as part of a transaction, you agree that we may contact you about that transaction, such as with receipts, pickup details or questions about your items. We will send marketing emails or texts only if you have signed up for them, and you can opt out at any time. Message and data rates may apply to texts.

10. Using the Site

You agree not to:

  • Use the Site for anything illegal, fraudulent or misleading
  • Try to hack, disrupt or gain unauthorized access to the Site
  • Copy or scrape content from the Site without our permission
  • Submit false information, false claims or false documents

11. Our content

The Site’s text, photos, logos and design belong to us or are used with permission. You may not copy, reuse or distribute them without our written permission.

12. Disclaimers

The Site and its information are provided “as is” and “as available.” To the fullest extent allowed by law, we make no warranties of any kind about the Site or its content, including that it will always be available, accurate or error-free. Information on the Site, including price and value information, is general and is not financial or investment advice.

13. Limitation of liability

To the fullest extent allowed by law, we, our owners, employees and agents are not liable for any indirect, incidental, special or consequential damages, or for lost profits or data, related to the Site or our services. Our total liability for any claim will not be more than the amount you paid us for the item or service the claim is about.

14. Indemnification

You agree to cover and protect us from any claims, losses and expenses, including reasonable attorney’s fees, that result from your breach of these Terms, your misuse of the Site, or your violation of any law or anyone else’s rights.

15. Compliance with the law

We may ask for information needed to meet legal requirements, including identification, tax and anti-money-laundering rules, and we may report transactions when the law requires it. We may decline or cancel any transaction that does not meet those requirements.

16. Governing law and disputes

These Terms are governed by the laws of the State of Missouri. Any legal dispute related to these Terms, the Site or our services will be handled in the state or federal courts serving St. Charles County, Missouri, and you agree to those courts’ jurisdiction.

  • Changes: we may update these Terms at any time by posting a new version here with a new “Last updated” date. Using the Site or our services after that means you accept the updated Terms.
  • Severability: if any part of these Terms is found invalid, the rest still applies.
  • No waiver: if we don’t enforce part of these Terms right away, we can still enforce it later.
  • Entire agreement: these Terms, our Privacy Policy, any posted auction terms and any signed written agreement with you make up the full agreement between us.

Contact us

Questions about these Terms, or a problem with a purchase? Please contact us before taking any other action. We’re glad to help.

HGWT LLC, d/b/a Gallery Coins and Collectibles
204 Graygate Ct
Lake St. Louis, MO 63367
Email: walter.holt@gmail.com
Phone: (314) 517-4013

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