Terms

Terms of service

In effect 26 September 2026. An agreement between you and Snowpack Numismatics, Colorado, USA (“we”), for your use of Numikeep.

1. Who we are, and what this is

Numikeep is an app for cataloguing a coin collection: what you own, what you paid, what it is worth today, where it is kept, and what you want done with it. It is operated by Snowpack Numismatics, a coin dealer based in Colorado.

By creating an account you agree to these terms. If you do not, do not use the app — and if something here seems wrong to you, write and tell us, because we would rather fix a bad term than enforce one.

2. You must be 18

You need to be at least 18 and able to enter a contract. You are responsible for what happens under your account.

3. It is free

Cataloguing, valuations, location tracking, the legacy plan and export are free, with no trial, tier or card. We are not selling you software and we are not selling your data. We undertake not to sell, rent, license or share your collection or your personal information with anybody, and no change to these terms will make that permissible — if we ever wanted to, we would have to ask you, one account at a time.

We make money if you one day decide to sell a coin and think of us. If you never do, the app works exactly the same, permanently. If we ever build something genuinely specialist that costs money to run, that might be paid, and what you already use will not become paid retroactively.

4. Signing in, and getting back in

There are four ways into your account: your password, your fingerprint or face, a single-use link we email you, and a backup phrase the app can generate for you. You are responsible for keeping all of them to yourself — anybody holding one of them can open your collection.

If you lose your password, we can help. Numikeep is an ordinary account rather than a vault only you can open, so a lost password or phone does not mean a lost record. It also means we can see your collection. Our privacy policy sets out exactly who can and when, and you should read §2 of it before deciding this app is for you.

Two undertakings on our side, which are commitments and not just descriptions:

• We will never ask you for your password or backup phrase — not by email, not on the phone, not to verify your identity. We do not need them. Anybody who asks is not us.
• We will not restore access to an account without being satisfied you are its owner. The same door that lets us help you back in is the door somebody could try to walk through pretending to be you, and we would rather be slow about it than sorry.

Keep your email address current. It is how we reset your password, and it is how we reach you about the legacy countdown — §7 explains why that second one is not a formality.

Your coins are not affected by any of this. They are in your safe, not in our app. What is at stake is the record of them, and you can export that whenever you like.

5. Valuations are estimates

Values shown are CPG retail prices sourced from Greysheet / Collectors Universe, matched to the grade and CAC tier you entered, and used with attribution. Metal content values are calculated from live spot prices.

• They are estimates for guidance, not appraisals. We are not acting as your appraiser and this is not a certified valuation for insurance, probate or tax purposes. If you need one of those, get one — we will happily tell you who does them properly.
• They are not an offer to buy at that price, from us or anybody.
• They depend on what you entered. If the grade or the catalogue match is wrong, the number will be wrong, and we cannot check your coin from here.
• Melt value is a floor, not a price. A coin worth more than its metal should never be sold for its metal.
• Nothing in Numikeep is investment advice. Coins can fall in value, and market prices move for reasons no app predicts.

We show when a price was last updated and flag anything stale, because a confident number from two years ago is how people get talked down at the counter.

6. Coin identification

The app can help identify a coin from photographs. It is an assistant, not an authority: it will sometimes be wrong, particularly on raw coins, varieties and anything unusual. Every identification is yours to confirm or correct, and the app is built to let you record a coin it could not identify at all rather than block you. Do not rely on it to authenticate a coin or to detect a counterfeit.

7. The legacy plan

You may print access cards for someone — an heir, an executor, a trustee — so they can be given read-only access to your inventory if they ever need it. This is the part of the product with real-world consequences, so it gets said carefully.

It controls access, not ownership

Numikeep decides one thing: who may read a list of coins. It does not transfer, gift or bequeath anything. Who owns your coins after you die is decided by your will, your trust and the law of your state — never by a setting in an app.

Colorado, like most states, has adopted a version of the Revised Uniform Fiduciary Access to Digital Assets Act. Under it, a designation made in an online tool such as this one can govern who may access your account, and may take precedence over a general instruction in a will. That makes it important — and it makes it important that the two agree. Give cards to people consistent with your estate plan, and tell whoever drafted it that this exists. Access here that contradicts your will helps nobody and may create exactly the argument you were trying to prevent.

Anyone holding a card can start the clock

An access card is ten words and a QR code. Anyone who has the card can use it to start a 30-day countdown — we do not know or check who they are. So keep your cards where you would keep the key to your safe: with your will, in the safe, or in a safe deposit box. If one is lost or stolen, cancel it in Settings; it stops working immediately.

The moment a card is used, we email you, and then every day until the countdown ends — and if you add a mobile number, we text you at the start, in the last few days, when it opens and every time the card is used. You can stop it with one tap at any point — and at any point after it ends, which also signs out anyone already looking. The countdown only begins once our first email to you has gone out; if we cannot send it, we keep trying and the clock does not start. Until the countdown ends, the card opens nothing at all. Once it ends, the card opens a read-only view, and we email you every time it is used.

No one at Snowpack can speed that up, stop it for you, or skip the waiting period — and we cannot make an exception for you either, including in a genuine emergency. The mechanism is only trustworthy if it is not discretionary. If we could override it, so could anyone who compromised our credentials, and then it would protect nobody.

This means it can open while you are perfectly alive — if somebody holding a card starts the countdown, and you ignore or never see thirty days of emails (for example because your email address is out of date). The result is that someone holding your card sees a read-only list of your coins, including where they are kept. Keep your email address current and your cards safe; that is the honest failure mode and you should know it exists.

What the heir gets

A read-only inventory: each piece, what you paid, an estimated current value, where it is kept, and any instructions you left. They cannot change anything, add anything, or use your account. They receive information, not authority — a list of coins is not a claim to them.

8. Selling to us — and our conflict of interest

We are a coin dealer. We show you what your coins are worth, we can see what you own, and we would also like to buy it. That is a genuine conflict of interest, so here is what we undertake — these are promises, not descriptions:

• We do not go looking. Nobody here browses collections to find things worth buying, and we do not run reports, searches or alerts over user collections for any commercial purpose whatsoever.
• We do not make unsolicited offers on what we can see. If we approach you about a coin, it will be because you showed it to us.
• Values in the app come from a third-party price guide, not from us. We do not mark them down to make our offers look better, and what you own does not change what you are shown.
• Showing us a coin is always a deliberate act, one coin at a time. Nothing in the app nags you to do it.
• An offer from us is just an offer. It expires, you can decline it, and declining changes nothing about the app.
• If a coin belongs with a specialist who is not us, the app is built to record that, and we think it should.

If we ever break the first two, that is a straightforward breach of these terms and we would expect to be held to it.

If you accept an offer, that forms a separate agreement for that sale or consignment — shipping, insurance, payment and returns are covered by the terms we send with it, not by this page. Until you accept, nothing is owed by anyone.

Once you have shown us a coin, a person here has seen it. Withdrawing the offer stops us showing it to our buyers going forward, and we will delete our copy of the photographs, but we cannot undo having looked.

9. Using the app properly

Do not use Numikeep to:

• catalogue or launder stolen property, or misrepresent coins you offer us;
• break into anyone else's account or vault, or file a legacy claim you have no right to file;
• attack, overload or reverse-engineer the service, or scrape the price data we license from Greysheet for redistribution;
• break the law.

We may suspend an account that does these things. We do not monitor collections looking for reasons to, and we are not going to start: a suspension follows a report, a payment dispute, or behaviour visible in how an account is used.

10. Availability, and if we ever stop

This is a free service and we do not promise it will always be up, bug-free, or unchanged. We may add, alter or remove features.

If we ever shut Numikeep down, we will give you at least 90 days' notice and keep export working the whole time, and we will delete what we hold rather than sell it or transfer it to anyone. Export exists precisely so that a copy of your catalogue is always yours to take, without asking us and without depending on us still being here.

11. No warranty

Numikeep is provided “as is”. To the fullest extent the law allows, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that valuations are accurate, that identifications are correct, or that the service will be uninterrupted or error-free.

12. Limits on what we owe you

Being plain about this, because it is the part most likely to matter: we cannot take on the risk of your collection's value. A free app cataloguing six figures of gold cannot insure that gold, and any promise otherwise would be one we could not keep.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, nor for lost profits, lost data, or the value of coins sold for less than you hoped. Our total liability arising out of these terms or your use of Numikeep is limited to the greater of the amount you paid us for the app in the previous twelve months (which is zero) or one hundred US dollars.

This does not limit liability for fraud, for wilful misconduct, or for anything else that the law does not permit us to limit — including, in some states, no limitation at all. Where that is the case, the law wins and this paragraph does not.

Separately, and regardless of the above: if you sell coins to us, the terms of that sale govern that transaction and this section does not cap what we owe you for it.

13. Connecting other apps

You can connect other apps to your collection, by pasting a key or with “Connect with Numikeep”. What a connected app can and can't see is set out in §8 of our privacy policy; in short, it can add coins and change only the coins it added, and — only if you allow it — see which coins you have. It never sees where your coins are kept or what you paid.

Connecting an app is your decision, and so is trusting it. We don't make those apps and aren't responsible for what they do with information you let them see, or for coins they add, change or remove within what you allowed. You can disconnect an app at any time in Settings, and resetting your password disconnects all of them. We may disable any app, or any key, that misuses Numikeep or breaks these terms.

If you build an app that connects to Numikeep, you agree to the developer rules at numikeep.com/developers, and we may withdraw your access if you don't follow them.

14. Colorado law

These terms are governed by the law of the State of Colorado, without regard to its conflict-of-laws rules, and the state and federal courts in Colorado are the venue for any dispute. Nothing here removes a right you have under the consumer law of the place you live.

If any part of these terms is unenforceable, the rest stays in force.

15. Changes

If we change these terms materially, we will email you before it takes effect. Continuing to use Numikeep after that means you accept the change; if you do not, export your collection and close your account, and we will part on good terms.

16. Contact

our contact form. A person reads it. See also our privacy policy.

Snowpack Numismatics · Colorado, USA