Revised and effective as of November 6, 2023
Table of Contents
- What information do we collect?
- Why do we collect PI?
- Opt Out
- What do we use your information for?
- Do we disclose any information to outside parties?
- California Online Privacy Protection Act Compliance
- Children’s Online Privacy Protection Act Compliance
- Information Security
- Third Party Websites
- Terms and Conditions
- Your Consent
- Storage of Information
- How Long Do We Keep PI?
- Contact Us and Additional Information
- Nevada Privacy Rights
- U.S. State Privacy Notice (Including for California Residents)
- Information We Collect
- Use of PI
- Disclosures of PI for a Business Purpose
- Your Rights and Choices
- Access and Data Portability
- Opt Out of Sale, Sharing, or Targeted Advertising
- Limit Use and Disclosure
- Exercising Your Privacy Rights
- Right to Appeal
- Changes to Our Privacy Notice
- Contact Information
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. We may receive personal information from third parties. 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.
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.
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.
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, protect our or others’ rights, property, or safety, and to assess and implement mergers, acquisitions, or other business transactions that may result in a sale of some or all of our business assets.
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.
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. If you are a parent or legal guardian and you believe we have collected your child’s information in violation of applicable law, please contact us using the contact information below.
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.
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 (https://youradchoices.com/).
You may opt-out of being tracked online by certain companies listed at https://optout.aboutads.info/?c=2&lang=EN OR https://thenai.org/opt-out/. 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: https://policies.google.com/technologies/partner-sites. 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, https://youradchoices.com/appchoices.
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 may request that we restrict the use of 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 to restrict the use of your PI, even though it may include your PI. To request that we restrict the use of your PI, please send us a message on our website.
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.
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.
Effective Date: January 1, 2020 (Last updated March 21, 2023)
We 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, we collect (and have collected within the last twelve (12) months), the following categories of PI:
- Category A:Identifiers
- Examples: A real name, Internet Protocol address, email address, or other similar identifiers.
- Category B: Customer Records.
- 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 state or federal law.
- Examples: Age, age range.
- Category D: Internet or Other Electronic Network Activity Information
- Examples: Browsing history, clickstream data, information regarding your interactions with our Website or emails.
- Category E: Audio, Electronic, Visual, or Similar Information
- Examples: call recordings if you call in to our customer support line.
- Category F:Inferences
- Examples: Inferences on a consumer’s likely interests, such as whether they are likely to be interested in a particular transaction.
- Category G: Sensitive Personal Information
- Examples: Social Security Number, driver’s license number, precise geolocation.
Please note that PI may not include:
- Publicly available information from government records, or that we have a reasonable basis to believe was made available to the general public by you.
- De-identified or aggregated consumer information.
- Information excluded from the scope of state privacy laws, 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 or indirectly from you. For example, from forms you complete on our website or from your browsing of our Website.
- From our affiliates and subsidiaries.
- From our business partners.
- From our vendors and service providers.
- 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.
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.
- For analytics and improvement purposes.
- For marketing and promotional purposes.
- To protect our systems and rights, and the rights of others.
- To comply with the law, and legal processes.
- For auditing, reporting, and other internal operations.
- 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 we are otherwise permitted under applicable state privacy law.
- For other purposes described in this policy, including in the section titled “What Do We Use Your Information For?”
We do not collect, use, or disclose “sensitive personal information” beyond the purposes authorized by applicable state privacy law. Accordingly, we only use and disclose sensitive personal information as reasonably necessary and proportionate: (i) to perform our services requested by you; (ii) to help ensure security and integrity, including to prevent, detect, and investigate security incidents; (iii) to detect, prevent and respond to malicious, fraudulent, deceptive, or illegal conduct; (iv) to verify or maintain the quality and safety of our services; (v) for compliance with our legal obligations; (vi) to our service providers who perform services on our behalf; and (vii) for purposes other than inferring characteristics about you.
Retention of Personal Information
We retain your personal information for as long as needed or permitted, based on the reason we obtained it (consistent with applicable law). When deciding how long to keep your personal information, we consider whether we are subject to any legal obligations (e.g., any laws that require us to keep records for a certain period before we can delete them) or whether we have taken any legal positions (e.g., issued any legal holds or otherwise need to preserve the information). Rather than delete your data, we may also deidentify it by removing identifying details. Where we have committed to maintaining and using Personal Information in a deidentified form, we agree not to reidentify deidentified data except as permitted by applicable law.
We may disclose your PI:
- To our service providers or processors, 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.
In the preceding twelve (12) months, we have 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 applicable state privacy laws, particularly if we use third-party ad or tracking cookies. We may be considered to be “selling” information that we collect that contains or reflects personal identifiers, transactions, or inferences.
Residents of certain states may have the following rights regarding their PI, subject to certain exceptions and qualifications under their respective state laws.
You may have the right to request details about the personal information we have collected about you, such as whether we have collected personal information about you, the categories of sources, the purposes for which we have collected the personal information, the categories of recipients, and the specific pieces of personal information we have collected. You may also have the right to receive a copy of your personal information in a readily usable format.
You may have the right to request we correct incorrect or inaccurate PI, subject to restrictions regarding the determination of accuracy of the existing PI.
You may have the right to request deletion of your data unless an exception applies. Examples of exceptions include when we need to keep data to continue providing you service, meet legal obligations, detect fraud, investigate violations of our Terms of Service, or address security issues.
You may have the right to opt-out of the “sale” and “sharing” of your PI, or use of your PI for “targeted advertising” as those terms are defined under applicable state privacy law. Please see the Opt-Out section beginning on page one for opt-out instructions, and to exercise your “Do Not Sell or Share My Personal Information” rights.
You may also have the right to opt-out of “sales” and “sharing” of your personal information using an opt-out preference signal. If our Website detects that your browser or device is transmitting an opt-out preference signal, such as the “global privacy control”—or GPC— signal, we will opt that browser or device out of cookies on our Site that result in a “sale” or “sharing” of your personal information. If you come to our Website from a different device or from a different browser on the same device, you will need to opt-out, or use an opt-out preference signal, for that browser and/or device as well.
We do not engage in uses of sensitive personal information that would trigger the right to limit use and disclosure of sensitive personal information under applicable state privacy law.
Opt-Out of Profiling With Legal or Significant Effects
You may have the right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer. However, we do not engage in such activities as described under applicable state privacy law, so there is no need to exercise this right.
To exercise your privacy rights, please submit a request to us by using our privacy rights intake form. You can also contact us at 1-844-792-3987.
You may designate someone as an authorized agent to submit requests and act on your behalf. Authorized agents will be required to provide proof of their authorization in their first communication with us, and we may also require that the relevant consumer directly verify their identity and the authority of the authorized agent.
Unless otherwise permitted by applicable state privacy law, you may only make a request for access or data portability twice within a 12-month period. The 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. Therefore, we will need your first and last name, and email address. In some cases, we may request additional information to verify your identity, or where necessary to process your request. If we are unable to verify your identity after a good faith attempt, we may deny the request and, if so, will explain the basis for the denial.
We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
If we deny or reject your privacy rights request, you may have a right to appeal our decision if permitted by your state’s privacy law. To appeal our denial or rejection, please contact us at [email protected] and include in the subject line “Request to Appeal Privacy Right Request Decision.” Please provide us sufficient information to locate your privacy right request record, such as any unique number you were provided. Our privacy office will review your appeal request, and our decision, and will inform you of our decision.
We will not discriminate against you for exercising any of your privacy rights. Unless permitted by the applicable state privacy law, 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 applicable state privacy law that can result in different prices, rates, or quality levels. Any 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.
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: