Revised and effective as of May 21, 2021
What information do we collect?
We collect personal information, including personally identifiable information (collectively “Personal Information” or “PI”) PI from you when you register on our Website, place an order, subscribe to our newsletter or fill out a form.
When ordering or registering on our Website, as appropriate, you may be asked to enter or provide any of the following information: name, e-mail address, mailing address, phone number, and credit card information.
Why do we collect PI?
We collect your PI in an effort to ensure that we provide you with excellent customer service and for other purposes we describe below. Your PI also allows us to communicate with you about offers, promotions, and other marketing programs and news that may be of interest to you.
If you wish to opt-out of marketing communications, please click here to opt out.
If you wish to Opt-Out of us communicating your name, address or other PI to our trusted third–party marketing partners for purposes of sharing data for their (or their clients’) commercial reasons, please click here.
What do we use your information for?
Any of the PI we collect from you may be used in any of the following ways:
- To improve customer service
The information you provide helps us to more effectively respond to your customer service requests and support needs.
- To process transactions
If you choose to purchase a product from us, we will ask for certain PI in order to complete the transaction. Such information will include your name, telephone number, billing address and credit card number and related information. Such PI is necessary for us to fulfill your orders, to bill you for the transaction, to communicate with you about your order, and for marketing purposes. Additionally, to address any problems we encounter when processing your order, your PI may be used to contact you should such a need arise.
- To send periodic emails or contact our customers by phone
The phone number and email address you provide may be used to communicate information to you, respond to your inquiries, and/or other requests or questions.
- For improved marketing efforts
The PI you provide to us, as well as data about your USMR order(s), may be combined with other information such as, without limitation, your past purchase history and other relevant demographic facts. This information is found in USMR’s records and other various sources. It may be provided to trusted third-party marketing partners who we share data with for commercial purposes, in an effort to more efficiently communicate relevant marketing offers to you via email, direct mail, social media ads, phone calls and the like. It may also be shared with other trusted vendors whose clients’ services and/or products may be of interest to you: you may go to the “Opt Out” section above to prevent that sharing .
Do we disclose any information to outside parties?
Yes, as detailed in the “For improved marketing efforts” paragraph, we do share your PI with trusted third-party marketing partners for purposes of sharing data for commercial reasons (including those of their clients). We may also release your information when we believe release is appropriate to comply with the law, enforce our Website policies, or protect our or others’ rights, property, or safety.
We share any information we collect, including PI, with our service providers, such as companies we use for billing, accounting, marketing, security, hosting, tech and customer support, data enhancement and general website maintenance and operations, as well as vendors who help us comply with legal requirements and prevent fraud.
California Online Privacy Protection Act Compliance
Children’s Online Privacy Protection Act Compliance
Individuals under the age of 18 are not permitted to use our services without the supervision of a parent or legal guardian. We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), and we do not intentionally collect any information from anyone under 18 years of age. Our Website, products and services are all directed to people who are at least 18 years old or older.
We are committed to the security of the PI you provide to us. We have implemented technical and other measures to protect the information you provide to us. Security measures, however, are not perfect and we do not guarantee complete security of your PI. We accept no liability for any dissemination of PI.
Third Party Websites
Terms and Conditions
Please also visit our User Agreement and Ordering Policies and Procedures, which establish the use, disclaimers, and limitations of liability governing the use of our website
Information Obtained from Mobile Devices
We use as a guide the Self-Regulatory Principles for Online Behavior Advertising as administered by the Digital Advertising Alliance (aboutads.info).
You may opt-out of being tracked online by certain companies listed at www.aboutads.info/choices/ OR www.networkadvertising.org/managing/opt_out.asp. Also, you can learn more about online behavioral advertising at these websites. If you opt-out, you will still receive generic advertisements, but they will not be delivered to you by such companies from whom you have opted out. This process relies upon an opt-out cookie, for each browser and each device, so if you delete your cookies or use a different computer, you will have to repeat this process.
We may from time-to-time send you push notifications to your mobile device in order to communicate with you and advise you of current offers and promotions. To ensure that you receive timely notification of such communications and promotions, we need to collect certain information from your device.
We use mobile analytics software to allow us to better understand the functionality of our mobile application on your device. This software may detail information such as how often you use the application, events that occur within the application, usage, performance data, and sources from which the application was downloaded. We do not link the information we store within the analytics software to any PI you submit within the mobile application.
We may also work with third parties that collect data about your use of our website and other sites or apps over time for non-advertising purposes subject to applicable privacy policies. We use Google Analytics to retrieve and analyze combined anonymous user information. Information about Google Analytics can be found at: www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of data generated by your use of the Sites by going to: http://tools.google.com/dlpage/gaoptout.
To opt out, you can use the opt out methods listed in the Opt Out section or go to AppChoices, http://www.aboutads.info/appchoices.
Storage of Information
How Long Do We Keep PI?
We may retain your PI in accordance with our data retention policies. We may keep it as long as needed to provide you with services, comply with legal obligations, enforce our agreements, or to resolve disputes.
You can request us to stop using your PI; however, we may keep some of your PI to allow us to comply with your request not to use it. For example, we must keep your request not to use your PI, even though it may include your PI.
Contact Us and Additional Information
U.S. Money Reserve
P.O. Box 170340
Austin, TX 78717
Customer Service: 1-855-832-9570
Email: [email protected]
For additional information about the sharing of PI, please see the DMA Guidelines for Ethical Business Practices.
Nevada Privacy Rights
As a Nevada resident, you may submit a request directing us not to make certain disclosures of PI we maintain about you. Please see the Opt Out section above for opt-out instructions.
Privacy Notice for California Residents
Effective Date: January 1, 2020 (Last updated May 21, 2021)
Please see the Opt Out section beginning on page one for opt-out instructions, and to exercise your California “Do Not Sell My Personal Information” rights.
Information We Collect
Our Website and our Account Executives collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“PI”). In particular, our website has collected the following categories of PI from its consumers within the last twelve (12) months:
- Category A: Identifiers
- Examples: A real name, Internet Protocol address, email address, or other similar identifiers.
- Category B: PI categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
- Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some PI included in this category may overlap with other categories.
- Category C: Protected classification characteristics under California or federal law.
- Examples: Age, age range.
- Category D: Inferences
- Examples: Inferences on a consumer’s likely interests, such as whether they are likely to be interested in a particular transaction.
Please be aware that PI does not include:
- Publicly available information from government records.
- De-identified or aggregated consumer information.
- Information excluded from the CCPA’s scope, like:
- health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- PI covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
We obtain the categories of PI listed above from the following categories of sources:
- Directly from you. For example, from forms you complete on our website or from information given by you directly to our Account Executives.
- Indirectly from you.
- From various third-party marketing partners or data compilers for purposes of sharing data for our own or for others’ commercial reasons, as described in paragraph titled Disclosures of PI.
Use of PI
We may use, or disclose the PI we collect for one or more of the following business purposes:
- To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that PI to respond to your inquiry. If you provide your PI to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your PI or as otherwise set forth in the CCPA.
- For other purposes described in this policy, including in the section titled “What Do We Use Your Information For?”
We may disclose your PI:
- To our service providers, such as companies we use for billing, accounting, marketing, security, hosting, tech and customer support, data enhancement and general website maintenance and operations, as well as vendors who help us comply with legal requirements and prevent fraud.
- To trusted third-party marketing partners for purposes of sharing data for our own, their own or their clients’ commercial reasons.
Disclosures of PI for a Business Purpose
In the preceding twelve (12) months, Company has disclosed PI to our trusted third-party marketing partners who we share data with for commercial purposes. The PI that you provide to us and information about your order may be combined with other personally identifiable information from our records and other sources. This information will be used to make our future marketing efforts more efficient. This information may also be shared with our trusted third-party marketing partners who we share data with for our own, their own, or their clients’ commercial purposes whose products or services we feel may be of interest to you. Sometimes, this sharing may be considered a “sale” under the CCPA: we may “sell” information we collect that regards or reflects personal identifiers, transactions or inferences.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their PI. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your PI over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you (where applicable):
- The categories of PI we collected about you.
- The categories of sources for the PII we collected about you.
- Our business or commercial purpose for collecting or selling that PII.
- The categories of third parties with whom we share that PII.
- The specific pieces of PII we collected about you (also called a data portability request).
- If we sold or disclosed your PII for a business purpose, two separate lists disclosing:
- sales, identifying the PII categories that each category of recipient purchased; and disclosures for a business purpose, identifying the PII categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your PI that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your PI from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the PI, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending us a message on our website. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your PI. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected PI or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with PI if we cannot verify your identity or authority to make the request and confirm the PI relates to you. We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt, and to process our “opt out” within 15 days where the CCPA applies. If we require more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your PI that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will also inform our trusted third-party marketing partners who we share data with for commercial purposes, within this 45-day period.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your PI’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
We comply with California’s “Shine the Light” law (Civil Code Section § 1798.83) by providing the opt-out described above: if you opt-out as described, we will not provide your personally identifiable information to third parties for direct marketing purposes.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which we collect and use your information described herein, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us as follows: