GovMint.com advertises 30 day Money back guarantee. However, upon receipt of the your purchase (e.g. Silver or gold) the company provides a return authorization ONLY for purchases $499 and under!! They actually tear off and retain the RA on higher purchases. If you desire to return the purchase, you do so without a preprinted RA, by paying insurance and shipping. but, no mail service will reimburse for a claim of lost coins, even if insurance is purchased. It also took me five phone calls to get all the information I needed to return the silver, and I am waiting to be reimbursed. I was also charged and sent more silver than ordered!! The company blamed me for making multiple orders. Caveat emptor!