Terms of use

1. What Numirama is

Numirama is an online marketplace operated by [Company name] ([Legal form and share capital, e.g. SAS with a capital of €10,000], [RCS city and number]), “Numirama”, “we”. On Numirama, professional numismatic houses (dealers, trading companies and auction houses) offer coins, banknotes, tokens, medals and bullion in timed online auctions.

Numirama does not sell the pieces. Each piece is sold by the house that offers it, which is named on every lot. When you win a lot, the contract of sale is between you and that house. Numirama runs the sale room, collects the payment on the house’s behalf through its payment partner, and holds it until your piece has reached you.

Every house is a registered professional, checked by Numirama before its first sale. Private individuals do not sell on Numirama.

2. Your account

• You must be at least 18 and able to enter into binding contracts.
• The information you give must be true and kept up to date. One person, one account.
• You are responsible for what is done with your account. Keep your password private; we recommend a second sign-in step or a passkey, both available in your settings.
• You can close your account at any time by writing to [contact@…], once any lot you have won has been paid and delivered.

3. Identity verification

Only members whose identity has been verified can bid. Houses need to know their buyers are real, and the law requires us to know who we collect payments from. From your settings, you photograph an identity document and take a selfie; our partner Stripe checks that the document is genuine and that it is yours. Numirama receives the result, your name and your date of birth, never the images. We may ask for more.

Houses see that your identity was verified, not the details you gave. They receive the name and delivery address needed for your orders and invoices. We may refuse or withdraw verification, and so bidding, when the information cannot be confirmed or appears false.

4. Bidding

• Timed sales. Each lot closes at the time shown on it. Lots close one after another, in catalogue order. A bid placed in the last minutes of a lot pushes its closing back, as stated in the sale’s conditions, so everyone has a fair last word.
• Maximum bids. You set the most you are willing to pay. Numirama bids for you, one increment at a time, only as far as needed to keep you in the lead, and never above your maximum. Your maximum stays private.
• A bid is a commitment. Once placed, a bid cannot be withdrawn or lowered. If you are the highest bidder when the lot closes, and any reserve set by the house is met, you have bought the lot.
• Ties. When two maximums are equal, the one placed first leads.
• Bidding limit. Your account has a bidding limit: the total of the lots you lead must stay within it. Contact us to raise it.
• Houses do not bid on their own lots, and their staff cannot bid on them. Bidding to raise a price artificially, or agreeing with others not to bid, is forbidden.
• Pauses. If bidding cannot be trusted (for instance when the payment partner is down), Numirama may pause every sale. Bids are refused during the pause, and closing times are moved back by its length when bidding resumes.

Unless a sale states otherwise, bids rise by these increments:

5. Price, fees and currency

The price of a lot you win is the sum of:

• the hammer price, the amount of the winning bid;
• the house’s buyer’s premium, a percentage of the hammer price set by the house, VAT included, shown on every lot before you bid;
• shipping, at the house’s flat insured rate for your country, shown before you bid.

Numirama charges buyers nothing. Each house sells in its own currency, and that is what you pay. Prices converted into another currency on the site are an indication only, at the European Central Bank’s rate of the day.

6. Payment

When a sale is over, you receive one statement from the house for every lot you won in it. You pay it to the house, by card through the house’s payment provider or by bank transfer to the house’s account, within the house’s payment term (7 days unless the house states otherwise). Paying online adds the payment service’s fee, shown before you pay. Numirama sends the reminders. While a statement is past its due date you cannot bid; if it stays unpaid, the house may cancel the sale of the lots and offer them to other bidders, and we may suspend your account.

7. Delivery and receipt

The house ships your piece, insured, to the address you gave, and you can follow the parcel on Numirama. Check the parcel when it arrives. If something is wrong (missing, damaged, or not as described), tell the house within 14 days of delivery, with photographs; if you cannot agree, Numirama helps you settle it.

8. Right of withdrawal

If you buy as a consumer, you can withdraw from the purchase within 14 days of receiving the piece, without giving a reason, as EU consumer law provides for distance sales by professionals. Tell the house through your purchases, then send the piece back, in the condition you received it, within 14 days. You are refunded the price, including the standard shipping cost, within 14 days of the house receiving it back. Unless the house says otherwise, the cost of returning the piece is yours.

9. Authenticity

Houses guarantee the authenticity of every piece they sell on Numirama for life. If a piece is shown not to be genuine, it is refunded in full, whenever this is established; the question is decided by an independent expert when the house disputes it. This guarantee adds to your rights under the law; it never reduces them.

10. What houses commit to

Houses describe each piece accurately (with photographs of both faces), set honest estimates, respect the law on cultural goods, including the provenance of ancient coins, ship promptly and handle returns and complaints. A house that fails to may be suspended from Numirama.

11. What is not allowed

• Bidding without intending to pay, or on someone else’s behalf without saying so.
• Bidding to raise a price, or agreeing with others to keep prices down.
• Using several accounts, or another person’s account.
• Disrupting the service, scraping it at scale, or getting around its limits.

We may refuse bids, suspend or close an account that breaks these terms, after telling you why unless the law prevents it.

12. Liability

The house is responsible for the pieces it sells and for their description. Numirama is responsible for running the marketplace with care: keeping bids, closing times and payments as described in these terms. Neither of us limits liability where the law does not allow it, in particular towards consumers.

13. Changes to these terms

We may change these terms. We tell you by email at least 30 days before a change takes effect; bids placed before then remain under the terms in force when they were placed. If you do not accept the new terms, you can close your account.

14. Law and disputes

These terms are governed by French law. Write to us first at [contact@…]: most questions are settled there. If you are a consumer and we cannot agree, you can refer the dispute free of charge to our consumer mediator, [Consumer mediator] ([Mediator website]). You may also go to court; as a consumer, you keep the protection of the law of the country where you live.

How we handle your personal data is described in the privacy policy.