The Tulving Company, Inc.

Buying rare coins or bullion coins can be risky because of limited consumer protection standards. Before making a buying decision be cautious of unsolicited phone calls using high pressure tactics or offers made over the Internet through pop-up ads in newspaper advertisements and on radio and television ads.  Coin investments carry no guarantee of a profit do not pay interest or dividends generally must be held onto for several years and do not appreciate rapidly.

~ Research the business by obtaining a reliability report on the company and also conducting an online search for reviews or complaints about the business. Also check with your state’s Attorney General or the Federal Trade Commission (“FTC”) for any enforcement actions or information they may have on the business.  Investigate how long they have been in business and ask for references that have made a purchase. Review the purchase agreement or contract prior to making deposits or paying any monies. Check the agreement for refund exchange and cancellation policies and that they offer buy-back provisions in the event you need to liquidate. Review the shipping terms to make sure they are compliant with FTC and Commodity Futures Trading Commission (“CFTC”) regulations.

~ The FTC's Mail or Telephone Order Rule protects consumers who shop by mail telephone computer or fax. According to this regulation companies must ship your order when promised or within the time stated in its ads. If the company doesn't specify a shipping time it must send the merchandise within 30 days. The time begins as soon as the company receives your completed order whether they charge your account at that time or not.

~ If there will be a delay the company must contact you immediately and give you the option to either agree to a new shipment date or cancel the order for a full refund. If the merchant cannot meet the revised shipment date they must again contact you to notify you of the delay and give the option of waiting or cancelling or cancel the order themselves and provide a prompt refund.

~ If you decide to cancel your order and you paid by credit card the seller must credit the account within one billing cycle. If you paid by cash check or money order the merchant must mail your refund within seven business days.

~ The CFTC’s Commodity Exchange Act requires actual delivery of commodities occur within 28 days.  The seller must physically deliver the entire quantity of the commodity purchased to the buyer or the possession of a depository that is not the seller’s parent company partners agents or other affiliates.