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The buyer may return the merchandise for any reason within 15 days for a full refund. After the 15 day return period has passed, all sales become final and no returns will be accepted. Notwithstanding the above terms of sale, coins certified by PCGS and NGC carry a 5 day return period, after which all sales are final. The purchase of coins and collectibles involves risk. Unlike bullion coins where value is based on spot price of metal content, the value of a numismatic coin lies in large part to its scarcity and quality which fluctuates independently of bullion prices. Select Collectibles and its representatives do not guarantee profit or guarantee against loss on any rare coin or bullion purchase. The numismatic coins we sell are strictly for collectors. The Value of such items may only be in they beauty and history and should not be considered an investment vehicle.