Terms and Conditions

Please read these Terms and Conditions carefully as they apply to all orders, purchases, and sales, whether made via the website www.tavex.fi, by telephone, or over the counter in one of the offices of Tavex. By placing an order to purchase from or by agreeing to sell to Tavex, you hereby accept the following conditions.

1. Placing an order with Tavex
2. Order Cancellation
3. Delivery of Precious Metals
4. Insurance
5. Deals with Tavex
6. Prices
7. Customer data
8. Intellectual property rights

1. Placing an order with Tavex

An order placed with www.tavex.fi is considered an intention to buy at the given price. Upon placing an order, the customer will automatically receive an invoice with payment details and instructions on how to transfer the money to Tavex..

The payment must be made within 1 hour of placing the order. During non-working days or public holidays (i.e. bank holidays) all transfers made by 10.30 on the next banking day are deemed to have been made within the one-hour time limit. The order is finalised and cannot be reversed once the money has been transferred to Tavex’s account.

2. Order Cancellation

The customer retains the right to cancel an order until payment to Tavex’s account has been made. The order will automatically be cancelled should the customer fail to make a timely transfer.

avex retains the right to annul the order should the sale become impossible for extraordinary reasons. Potential circumstances for annulling an order are the following:

• Computer crash, causing disturbances to the data on product prices and inventory.
• The ordered products are not in stock as anticipated.
• Extraordinary situations on the world market, causing major changes in the price of precious metals.

Upon annulment of an order, Tavex will contact the customer to specify new terms and conditions or will immediately return all funds transferred by the customer.

3. Delivery of Precious Metals

Tavex dispatches the products within 24 hours of receiving the customer’s payment. Should a delivery delay occur, or if the ordered product is out of stock, Tavex will always contact the customer by email in order to specify the conditions of delivery.

Delivery prices which are given during the checkout process apply only if the package is delivered within Finland. We do not send products outside Finland.

4. Insurance

Tavex uses fully insured shipments via Finnish Posti. Insurance is valid for shipments within Finland. Should the items become lost or damaged during transit, Posti’s insurance will cover the loss. The insurance only applies whilst the items are in transit and ceases to be valid once the shipping carrier obtains the signature of receipt.

5. Deals with Tavex

A. Repurchase Price

The buyback prices that are displayed on www.tavex.fi for investment gold and silver are for guidance only and indicate what Tavex would pay right now for items that have been checked by one of the company’s precious metals experts. The amount the client will receive might be more or less than the amount shown on our website, depending on when the client’s item(s) are received and the price of gold or silver at that specific time of the day.

The shown buyback prices of investment gold and silver products are valid only for manufacturers who are represented by Tavex. If the investment gold or silver bar/coin derives from another manufacturer, or if the bar/coin is damaged, scratched, bent, or has had its original vacuum-sealed packaging opened, then Tavex will buy back that product at the price of XAU (see pricelist).

Bars or coins whose authenticity is called into question, will have their purity tested which will involve applying acids and cutting the metal. After the purity is determined, the items are weighed and a price is offered to the client according to the current buyback prices found on www.tavex.fi. Should the client refuse the given offer, the items will be returned and Tavex shall not be held responsible or liable for any damage caused to the items from the testing process.

B. Proof of Identity 

Anti-money laundering regulations
For sales and purchases we identify the person. In order to facilitate the personal identification, the client shall identify via Veriff or present one of the following documents:

• Finnish passport
• ID card
• Diplomatic passport
• Passport of a foreign country or a passport of a foreigner (with Russian or Belarussian passport you need also residence permit in EU)

NOTE! No transactions will be carried out upon failure to present the document!

C. Payments

For all sales, the client will, depending on personal preference, receive his payment in one of the following ways:

1. Cash in hand (max 1000 euros)
2. Transfer to Finnish bank account

The client needs to identify via Veriff or present a valid ID:

• Finnish passport
• ID card
• Diplomatic passport
• Passport of a foreign country or a passport of a foreigner (with Russian passport you need also residence permit)

C. Buy over the counter from Tavex

For purchases over the counter, Tavex accepts cash and foreign currency. If you have a Finnish bank account, you can also make order in our web shop and pay it online. We will send you email when the products are ready for pick up. If you have account in Nordea or Osuuspankki, you can also come to our office, choose your products and make a transfer with your mobile device and you will get the products with no waiting time.

6. Prices

All prices are in euros. If you wish to make payment in any other currency, please call us on +358 9 68 149 149 or send an email to tavex@tavex.fi for currency exchange rates or other terms and conditions.

7. Customer data

Tavex needs the customer’s personal information in order to contact the customer regarding their purchase or sell order and other issues related to them. Tavex will not pass on customer data to third parties.

8. Intellectual property rights

All logos, texts, images and software that appear on this website belong to Tavex Oy and its sister companies which are part of the Tavex Group. This material is considered an intellectual property right. Any use of the logos, texts, images and software that appear on this website is prohibited, and rights thereto shall not pass to you or to any other user of this website. Unauthorised use or distribution of any materials from this site may – with the support of the law – lead to both civil and criminal penalties. Tavex Oy will take all possible steps to protect and enforce its intellectual property rights.

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