Returns & Refunds Policy

• Fixed-price purchases: return for any reason within 14 days of delivery, in unchanged condition, for a full item refund.
• Auction lots: sales are final, except for authenticity issues or material description errors.
• Authenticity: if an item is ever proven inauthentic, we refund in full — with no time limit. See the Authenticity Guarantee.
• Damaged or lost in transit: fully covered — every shipment is insured.

You may return any fixed-price purchase within 14 days of the day you (or someone you nominate) receive it, without giving a reason. This mirrors the EU/UK statutory withdrawal right for distance sales and we extend it to buyers worldwide.

Conditions:

• Start the return from your order page or by emailing support@thenumishouse.com within the 14-day window.
• The item must come back in the condition it was sent: same holder, capsule, sleeve, or slab, unopened where sealed, with all tags and provenance documents. Removing a coin from a grading slab or a note from a sealed holder ends the return right, because the item is no longer the item we sold.
• Ship the return within 14 days of telling us, with tracking, adequately packed. Return shipping is at your cost unless the return is our or the Vendor's fault (wrong, misdescribed, or damaged item), in which case we provide a prepaid label or reimburse the cost.
• We may reduce the refund to reflect any diminished value caused by handling beyond what was necessary to inspect the item.

Winning an auction forms a binding contract, and auction sales are final. This is standard in the numismatic trade and keeps bidding fair for everyone. However, you are always protected in three cases:

• Authenticity — the lifetime Authenticity Guarantee applies to auction lots exactly as to fixed-price items.
• Material misdescription — if the lot you receive differs materially from the listing (wrong date, wrong grade stated as certified, undisclosed damage such as repairs, tooling, or cleaning), report it within 7 days of delivery for a full refund.
• Non-delivery — if a lot is lost in transit, insurance makes you whole.

• Auction lots (as above).
• Items explicitly sold “as is” with all faults photographed and described (marked on the listing).
• Bulk/wholesale lots opened or split after delivery.

Statutory rights that cannot be excluded in your country are not affected by these exclusions.

Photograph any damaged packaging and contents before and during opening if possible, and contact us within 72 hours of delivery. Every TNH shipment travels insured; we will replace, refund, or claim on insurance without making you wait for the insurer. If you received the wrong item, we arrange prepaid return and send the correct one (or refund).

Refunds go to the original payment method in the original settlement currency. Exchange-rate movements between purchase and refund are not compensated. Timelines:

• Approved return received and inspected: refund issued within 5 business days.
• Cancellation before dispatch: refund within 3 business days.
• Card/UPI/bank processing after we issue the refund: typically 3–10 business days depending on your provider.

Shipping charges are refunded when the return is due to our or a Vendor's error, or when you cancel an EU/UK order before dispatch; otherwise original shipping is non-refundable. Customs duties and import taxes are generally refundable only through your local customs authority — we will provide the export documentation you need to claim.

This policy applies to Vendor sales as a minimum standard — Vendors may offer more generous terms on their listings but never less. Returns of Vendor items are shipped to the address the Vendor provides; TNH holds the Vendor's payout until the return window and any open dispute is resolved.

We track return rates. Accounts using returns as free rentals, returning swapped items, or filing false damage claims will be restricted and, for fraud, reported. Serial numbers, slab certification numbers, and high-resolution photographs are recorded before dispatch of every high-value item.