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This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details to help you with your experience.
When do we collect information?
We collect information from you when you register on our site, place an order, subscribe to a newsletter, respond to a survey, fill out a form, Use Live Chat, Open a Support Ticket or enter information on our site.

Provide us with feedback on our products or services

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

      • To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
      • To improve our website in order to better serve you.
      • To allow us to better service you in responding to your customer service requests.
      • To quickly process your transactions.
      • To send periodic emails regarding your order or other products and services.
      • To follow up with them after correspondence (live chat, email or phone inquiries)

How do we protect your information?

We do not use vulnerability scanning and/or scanning to PCI standards.
We only provide articles and information. We never ask for credit card numbers.

We use regular Malware Scanning.

We do not use an SSL certificate
      • We do not need an SSL because:
Payment is made through Checks or Paypal

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
      • Help remember and process the items in the shopping cart.
      • Understand and save user’s preferences for future visits.
      • Keep track of advertisements.
      • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled. It won’t affect the user’s experience that make your site experience more efficient and may not function properly.
However, you will still be able to place orders .

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

Third-party links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We use Google AdSense Advertising on our website.
Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.
We have implemented the following:
      • Remarketing with Google AdSense
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.
You will be notified of any Privacy Policy changes:
      • On our Privacy Policy Page
Can change your personal information:
      • By logging in to your account
How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking?
It’s also important to note that we allow third-party behavioral tracking
COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under the age of 13 years old.
Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
      • Within 1 business day
We will notify the users via in-site notification
      • Within 1 business day
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:
      • Send information, respond to inquiries, and/or other requests or questions
      • Process orders and to send information and updates pertaining to orders.
      • Send you additional information related to your product and/or service
      • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
To be in accordance with CANSPAM, we agree to the following:
      • Not use false or misleading subjects or email addresses.
      • Identify the message as an advertisement in some reasonable way.
      • Include the physical address of our business or site headquarters.
      • Monitor third-party email marketing services for compliance, if one is used.
      • Honor opt-out/unsubscribe requests quickly.
      • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at
      • Follow the instructions at the bottom of each email.

and we will promptly remove you from ALL correspondence.

Contacting Us

 If there are any questions regarding this privacy policy, you may contact us using the information below.

http://www.ross-simonsgoldexchange.com
333 Pearsall Avenue, Suite 201

Cedarhurst, NY 11516

USA
customerservice@ross-simonsgoldexchange.com
877-307-9113

The Terms and Conditions contained herein (“The Agreement”) shall be binding on each and every customer (“Customer” or “Seller” or “You”) of Refinement Services. These Terms & Conditions are subject to change without notice. Current Terms and Conditions are available by going to www.Ross-SimonsGoldExchange.com and clicking on Terms & Conditions. Any such changes will be immediately posted on Ross-SimonsGoldExchange.com, and apply as soon as they are posted.

For the purpose of this Agreement, Ross-SimonsGoldExchange.com and Refinement Services shall be referred to collectively as “We” or “Us.” What We purchase shall be referred to as “jewelry,” “precious metals,” “gold,” “content,” “goods,” “items,” “material” or “shipment.”

Refinement Services purchases your gold jewelry and other gold items for refining only, not for resale. The payout value We pay to each Seller is based upon the total weight and purity or karat grade (pure precious metal content) contained in the material purchased, factored with the precious-metal market value according to the current London Fix (the price at which gold is set during two daily bidding sessions in London) – not on the material’s potential value if resold intact. For this reason, We cannot pay for pearls, gemstones, or other non-precious metal material in the jewelry. We may, at our sole discretion, return your merchandise if We determine the value of the stones outweighs the value of the gold. We do not accept items which are new or appear to be new (i.e. contain price tickets or other manufacturing tags or tickets.

For questions or for Customer Service, You may contact us via e-mail at CustomerService@Ross-SimonsGoldExchange.com or by telephone at 1-877-307-9113. However, e-mails will be the primary form of communication between Refinement Services and the Customer. E-mails sent from Refinement Services to the Customer will be conclusive and binding.

How Your Gold is Exchanged for Cash

  1. Obtain a registration number from Refinement Services by requesting a Ross-Simons Gold Exchange’s Kit from www.ross-simonsgoldexchange.com. Material will not be accepted for purchase without a valid registration number.
  2. Follow the instructions supplied in the kit for sending your gold or precious metal items to Refinement Services.
  3. When Refinement Services receives your package, You will receive an email.
  4. Your gold is unpacked, weighed, and tested to determine the content of your gold. The packing and weighing is recorded on video webcam and can be viewed online.
  5. The payout value We offer is based on the current London Fix (the price at which gold is set during two daily bidding sessions in London). As soon as a value for your gold is determined, You will receive an email with the amount. If this offer is acceptable to You, You do not have to do anything further. A check will be mailed to You within twenty-four (24) hours. If You dispute the amount offered by Refinement Services or want to cancel your transaction You may do so at this point. In addition, if You are dissatisfied with the amount, You may return your check to Us within 14 days from the date of issuance of the check and We will return your merchandise to You. (See “Material Return” below.)

Requirements for Use

You must be at least twenty-one (21) years of age, in order to sell jewelry or other precious metal items to Ross-Simons.com. In addition, you must be the actual legal owner of any and all precious metals, jewelry, or other property sold, or attempted to be sold, to Ross-Simons.com, and you must be acting on your own behalf and not as an agent or representative of any other person or any company. We may request documentation of proof of age or ownership. We only accept items made from the precious metals gold, silver, and platinum, which are either pure or are in solid alloys of known compositions. We do not accept items made primarily from non-precious base metals, whether they are plated with precious metals or not. By shipping your goods to Ross-Simons.com, you accept all terms and conditions set forth herein and those described on our website, which are subject to change. Ross-Simons Gold Exchange may, at its sole discretion, elect not to distribute Gold Exchange kits or shipping labels to any customer or address that we feel does not abide by the terms of the program. Additionally, we may, at our sole discretion, elect not to accept shipments from any customer or address that we feel does not abide by the terms of the program.

Guaranty Against Loss

Ross-Simons.com will guaranty against loss of the total contents when properly shipped to Ross-Simons.com, in accordance with the instructions and procedures established by Ross-Simons.com, and subject to the Terms and Conditions herein. We reserve the right to reject delivery of any mail, envelope or package which appears to be damaged, opened, or tampered-with, and any such mail, envelope or package will be returned by the postal service or courier service to the Customer. Ross-Simons.com shall have no liability to any Customer for any such attempted delivery or return of any such items.

Limitation of Liability

This limitation of liability shall be binding on each and every Customer and on any third party, including, but not limited to, the Customer and the Customer’s successors, assigns, insurance carriers and any other individual or entity asserting any right or claim relating to Customer’s transaction with Refinement Services. No Liability for Property in Refinement Services Possession: In no event shall Refinement Services be liable for any damages from the loss or destruction of property in its possession for any reason – including negligence – except as stated in this Agreement. In no event shall Refinement Services be liable to any third party, including any insurance carrier, nor shall Refinement Services be liable for any subrogation claim brought by the Customer’s insurance carrier. By submitting an item to Refinement Services, the Customer expressly and specifically waives any such subrogation claim on his or her behalf, as well as on the behalf of his or her insurance carrier.

Insurance Limitations on Property Shipped: Items sent to Refinement Services using a valid shipping label obtained from www.ross-simonsgoldexchange.com or by ordering from the toll-free number 1-877-307-9113, are insured with the carrier for a maximum value of five hundred dollars ($500). It is the Customer’s responsibility to have carrier electronically scan their package into the carrier’s tracking system to ensure that carrier accepted possession of package. If You believe your precious-metal jewelry or other material is worth more than $500, We recommend that You contact us for further instructions.

Any merchandise returned will be insured for $500 or the amount of the appraised value as determined by Refinement Services if the appraised value exceeds $500, and posted on-line as part of the normal process defined above if the value exceeds $500.

Claims for any losses that occur during shipment are subject to the filing of an appropriate claim and the approval of such claim by the carrier and/or its insurance company. If You believe your precious-metal jewelry or other material is worth more than $500, We recommend that You contact us for further instructions.

No Other Liability: Refinement Services shall not be liable to anyone for any damages, including, but not limited to, incidental, consequential, punitive, loss of profit or opportunity – other than as set forth herein above. By submitting your items, You explicitly and expressly accept this limitation of liability.

Return Insurance Liabilities

Any merchandise returned to You will be insured for $500 or the appraised value, if the appraised value exceeds $500, as determined by Refinement Services, regardless of what the merchandise was insured for when initially submitted by You to Refinement Services – unless Refinement Services is otherwise notified by e-mail or fax by You prior to Refinement Services shipment of the returned merchandise, and You agree to pay for the cost of any extra insurance requested. Refinement Services shall, in its sole discretion, choose the return carrier, insurance amount and receipt-verification method for each transaction.

Choice of Law, Waiver, and Claims

The Agreement shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. Ross-Simons.com’s failure to exercise or enforce any right or provision of the Agreement will not be deemed to be a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect. You agree that, regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services offered by Ross-Simons.com must be filed within one (1) year after such claim or cause of action arose, or be forever barred. Any such claim or cause of action must be filed in the State of New York. Ross-Simons.com shall be entitled to reimbursement for any and all costs incurred by it in defending any civil action filed, or attempted to be filed, in any jurisdiction outside of the State of New York, including but not limited to, attorney’s fees incurred by Ross-Simons.com.

Acceptance of Transaction by Customer

If your payment is cashed or deposited in a bank or financial institution, this will constitute an acceptance by You of the terms offered by Refinement Services and your acceptance of the transaction, at such time this transaction will be final and your material will be processed for refinement.

Material Return

If You change your mind about selling your material, or are dissatisfied with the amount of the payment You received, You may cancel the transaction or decline the payment amount offered by Refinement Services. To do so, You must notify us immediately. Go to www.ross-simonsgoldexchange.com or call 1-877-307-9113 and notify us of your intention to cancel the transaction. You must also return the un-cashed/un-deposited check to us by mail within 14 days from issuance of the check, and We will return your material to You. If We do not hear from You within 14 days of the date on the check We sent You, the transaction will be final, and your material will be processed for refinement and can no longer be returned to You.

This time limitation cannot be waived for any reason. Refinement Services will not be responsible for any loss or damage of any kind if the time limitation is not strictly followed.

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