Terms of Service

Last Updated: January 26, 2026

Welcome to Silver Linings Metals. By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By creating an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.

2. Description of Services

Silver Linings Metals provides:

• Price Comparison Tools: Aggregated pricing information from multiple precious metals dealers
• Portfolio Tracking: Tools to monitor and visualize your precious metals holdings
• Savings Assistant: Calculators to help plan precious metals allocations
• Educational Content: Articles, guides, charts, and market data for educational purposes

These services are provided "as is" for informational purposes only.

3. User Accounts and Eligibility

Eligibility

You must be at least 18 years old to use our services. By creating an account, you represent that you meet this requirement and that all information you provide is accurate and complete.

Account Responsibility

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information remains accurate and up to date

4. Pricing Data Methodology

How We Source Our Prices

Silver Linings Metals aggregates precious metals pricing data through the following methods:

• Direct Dealer Integration: We access publicly available pricing from authorized precious metals dealers through their websites and APIs where available
• Web Scraping: We use automated tools to collect publicly displayed prices from dealer websites in compliance with their terms of service and robots.txt files
• Third-Party Data Providers: We may obtain pricing information from reputable industry data aggregators and market information services
• Spot Price Sources: Spot prices for gold, silver, platinum, and palladium are sourced from major commodity exchanges and pricing services including COMEX, LBMA, and other recognized market sources

Data Accuracy and Updates

• Update Frequency: Prices are updated regularly throughout the day, typically every 15-60 minutes depending on the source
• Real-Time vs. Delayed: Some pricing may be delayed by up to 60 minutes. Spot prices may be delayed based on exchange data policies
• Verification: While we strive for accuracy, we cannot guarantee that all prices are current or error-free at the time of your viewing
• Always Verify: You should always verify current pricing directly with the dealer before making any purchase

Calculations and Premiums

• Premium percentages are calculated based on the difference between the dealer's selling price and the current spot price
• Premiums may vary based on product type, quantity, payment method, and market conditions
• Displayed prices typically reflect the dealer's standard retail pricing and may not include volume discounts, special offers, or promotional pricing
• Shipping costs, taxes, insurance, and other fees are typically not included in displayed prices unless specifically noted

5. Investment Disclaimers

Educational Purpose Only

All content on Silver Linings Metals, including articles, calculators, charts, and tools, is provided for educational and informational purposes only. This content:

• Does not constitute personalized investment advice
• Is not tailored to your individual circumstances
• Should not be relied upon as the sole basis for investment decisions
• May contain opinions that are subject to change without notice

Third-Party Dealers

Silver Linings Metals is not affiliated with, endorsed by, or responsible for any precious metals dealers whose prices we display. We:

• Do not conduct transactions on behalf of dealers
• Do not guarantee dealer inventory, pricing, or business practices
• Are not responsible for disputes between you and any dealer
• Recommend conducting your own due diligence on any dealer before transacting
• May receive affiliate compensation from some dealers, which does not affect pricing or rankings

6. Accuracy of Information

No Warranty of Accuracy

While we make reasonable efforts to ensure the accuracy of information on our website, we do not warrant that:

• Pricing data is current, accurate, or complete
• Product availability reflects real-time dealer inventory
• Educational content is error-free or comprehensive
• Calculations and tools will be suitable for your needs
• Historical data is complete or free from errors

Always verify information directly with dealers or appropriate professionals before making decisions.

7. Prohibited Uses

You agree not to:

• Use our services for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other user accounts
• Engage in any activity that disrupts or interferes with our services
• Use automated systems (bots, scrapers) to access our website without permission
• Reproduce, distribute, or create derivative works from our content without authorization
• Misrepresent your affiliation with any person or entity
• Transmit viruses, malware, or any malicious code
• Harass, abuse, or harm other users
• Violate any third-party rights, including intellectual property rights

8. Intellectual Property

All content, features, and functionality on Silver Linings Metals, including text, graphics, logos, images, software, and data compilations, are owned by Silver Linings Metals or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. You may not:

• Modify, copy, distribute, or reproduce our content without permission
• Use our trademarks, logos, or branding without authorization
• Frame or mirror any portion of our website
• Reverse engineer or decompile any software

9. User Content

If you submit content to our platform (e.g., portfolio data, reviews, comments), you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display that content in connection with our services.

You represent that:

• You own or have rights to the content you submit
• Your content does not violate any third-party rights
• Your content complies with these Terms and applicable laws

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Silver Linings Metals and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• We are not liable for any losses resulting from investment decisions you make based on information from our website
• We are not liable for pricing errors, data inaccuracies, or service interruptions
• Our total liability to you for any claims arising from your use of our services shall not exceed $100 or the amount you paid to us in the past 12 months, whichever is greater

11. Indemnification

You agree to indemnify, defend, and hold harmless Silver Linings Metals and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any investment decisions you make

12. Modifications to Services and Terms

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our services at any time
• Update these Terms at our discretion
• Change pricing, features, or functionality without prior notice

Significant changes to these Terms will be posted on our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated Terms.

13. Termination

We may terminate or suspend your account and access to our services at any time, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Requests by law enforcement or government authorities
• Extended periods of inactivity
• Any other reason at our sole discretion

Upon termination, your right to use our services will immediately cease. We are not liable for any losses resulting from account termination.

14. Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Arbitration Agreement

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify.

By agreeing to these Terms, you waive your right to a jury trial and to participate in class action lawsuits.

15. Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Silver Linings Metals regarding our services.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

16. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: legal@silverlinings.com
• Support: Contact Us Page