Effective Date: October 23, 2026

This Subscription Policy explains how Investor Crate, LLC subscriptions work, including recurring charges, monthly fulfillment, cancellation, refunds, and changes in precious-metals markets. Subscriptions renew monthly until canceled. There is no minimum subscription term, and you may cancel at any time for any reason. Review the price and offer-specific details shown at checkout, this Policy, and our Refund Policy before enrolling.

1. What a subscription is

A subscription is a recurring purchase of the physical merchandise described in the offer you select. It is not a managed account, investment program, portfolio, or advisory service. Investor Crate does not manage customer investments or provide individualized investment advice. See our Disclaimer and Terms of Service for more information.

There is no minimum commitment or separate long-term purchase obligation. When you enroll, you authorize the recurring purchase and monthly charges described at checkout until you cancel. Your subscription does not require you to continue for a fixed number of months.

2. Price, billing, and authorization

The recurring price for your selected plan, billing frequency, any separately disclosed fee, applicable taxes, and other material terms will be shown before you complete enrollment. By affirmatively completing the subscription checkout, you authorize Investor Crate, LLC or the billing entity identified at checkout to charge your selected payment method for each monthly renewal at the disclosed price, plus applicable taxes and any separately disclosed charges, until you cancel.

Our standard subscription billing date is the first day of each month. Your payment processor or financial institution may post the charge on a different date. Any offer-specific billing timing shown at checkout controls if it differs from this standard schedule. We will not increase the price for a renewal already charged. If we propose a change to the recurring price or another material subscription term, we will provide advance notice and obtain any consent required by law before applying it to your subscription.

3. Monthly shipment and order cutoff

Our standard monthly subscription order cutoff is the fifth day of the month, and shipments are generally scheduled to begin around the fifteenth. These are standard processing targets, not guaranteed delivery dates. Shipment timing may vary with inventory, supplier availability, payment authorization, address verification, carrier service, holidays, and other fulfillment conditions. Any different schedule stated in your subscription offer or checkout controls for that offer. We will provide any delay notice, choice, or refund required by law.

The fifth-day cutoff is an operational cutoff for preparing monthly orders. It does not limit your right to cancel future renewals at any time. If you cancel after the monthly charge has already been processed, the status of that already-billed order and any refund will be handled under the Refund Policy and applicable law.

4. Subscription contents and precious-metals markets

Your recurring plan price is the amount disclosed for the plan at enrollment, subject to any properly noticed and legally permitted prospective change. The price of precious metals, dealer premiums, collectible premiums, supplier costs, and product availability can move up or down. Those market and sourcing changes do not automatically change your plan price during an existing billing period.

The specific metals, coins, rounds, bars, designs, years, mint marks, packaging, or other items in a monthly shipment may vary to the extent disclosed in the applicable offer. What we can source, and the market or resale value of those items, can differ from month to month because spot prices, premiums, sourcing costs, inventory, and availability change. Unless the offer expressly promises a particular item, quantity, metal content, or other specification, we do not guarantee identical contents or a fixed market, melt, or resale value for every shipment. We do not promise appreciation, profit, liquidity, or a particular resale price. See the Disclaimer and product or offer disclosures for details.

A change in market price, premium, supplier cost, or resale value is not by itself a change to the subscription service or to the recurring plan price. We may adjust the contents of future shipments within the offer’s disclosed terms. If we cannot provide an item as promised, we will handle the affected order under the Terms of Service, Refund Policy, and applicable law; we will not substitute a materially different item without your consent.

5. How to cancel

You may cancel at any time, for any reason, without a cancellation fee or penalty. You do not need to tell us why. Cancel through the subscription-management controls available in your online account or subscription portal. An online cancellation takes effect when you submit it and stops future renewals; you do not need to contact us again to complete it. If you cannot access those controls, email support@investorcrate.com with the email address on your account and a request to cancel. An email cancellation takes effect when we receive it. We will send a confirmation. If you do not receive confirmation, contact us again so we can verify that your request reached us.

Cancellation stops future renewals and recurring charges. Because a monthly charge may already have been processed before a cancellation request, cancellation alone does not automatically determine whether that month’s order is canceled or refunded. Refund eligibility for a charge or order already in progress is governed by the Refund Policy and applicable law. We will not treat a cancellation request as authorization for another renewal.

6. Money-back guarantee and refunds

Our money-back guarantee and the requirements, time periods, exclusions, return steps, and refund procedures are described in the Refund Policy at https://investorcrate.com/pages/Refund-Policy. That policy applies to subscription orders as well as other eligible purchases. Please consult it for the terms that apply to an already-billed shipment or a return. This Subscription Policy does not narrow or replace any refund right provided by the Refund Policy or applicable law.

7. Payment problems and account information

Keep your payment method, email address, and shipping address current. If a payment is declined, reversed, or cannot be authorized, we may pause processing or shipment, request updated payment information, or cancel the affected renewal. We may make reasonable payment retries consistent with applicable law and the payment provider’s rules. A failed charge does not extend your subscription term or authorize a different plan or price.

8. Availability and changes to plans

We may update, pause, or discontinue a plan or particular product when reasonably necessary because of supply, operational, security, or legal conditions. If a change materially affects an existing subscription, we will provide notice and any choice, consent, cancellation option, or refund required by the offer or applicable law. We will not use a material change to impose a new recurring charge or materially different subscription without required notice and consent.

9. Other policies and applicable law

This Policy supplements our Terms of Service, Refund Policy, and Disclaimer. The Terms of Service are available at https://investorcrate.com/pages/Terms-of-Service. The Disclaimer is available at https://investorcrate.com/pages/Disclaimer. If an offer-specific disclosure provides a more specific schedule or product description, it controls for that offer, subject to applicable law. Nothing in this Policy limits a right or remedy that cannot legally be waived. If this Policy conflicts with a mandatory consumer-protection law, that law controls.

10. Contact us

Investor Crate, LLC
900 S. Willow Ave., Unit #2669
Cookeville, Tennessee 38501
United States
Email: support@investorcrate.com