Purchase Agreement & Terms

Purchase Agreement & Terms

Once you have placed an order with Ready Coins (ReadyCoins.com), you have entered into a binding agreement. If you cancel your order for any reason; your credit card will be charged a $30.00 cancellation fee as well as the difference between your confirmed price and our market ask price. (Our Ask to Ask price.)

• Your ReadyCoins.com order will automatically be canceled if we do not receive payment within five business days. Your credit card will be charged a $30.00 cancellation fee as well as the difference between your confirmed price and our current market ask price.
• We recommend mailing your payment immediately. Or, using 2-3 day priority mail through the U.S. Postal Service to ensure delivery within five business days.
• Ready Coins reserves the right to refuse an order if your payment is not received within five business days after the order is placed.
• We reserve the right to refuse an order if our quoted price is incorrect, due to computer-related problems.
• All credit card order returns are subject to a 7.00% restocking fee.
• For more detailed information please read our Frequently Asked Questions.

Order Cancellation Policy
Once we have issued a confirmation number, all prices are locked-in whether buying from us or selling to us. It is not our intention to enter into buying and/or selling transactions, accepting the risks involved only to have them cancelled. However, we realize rare situations happen where orders need to be cancelled. Should you elect to cancel and/or offset your order, you must do so during normal business hours of 9:00 – 5:00 EST Monday – Friday. All cancellations are subject to our market loss policy plus a $30.00 (USD) cancellation fee. Cancellations may only be approved over the telephone, at which time you will be given a cancellation number. At that time, if any market loss to Ready Coins has occurred, it will be calculated and added to the $30.00 (USD) cancellation fee. If applicable, any cancellation fee and/or market loss will be charged to your credit card for the full amount due, as per User Agreement. No future orders may be permitted until any market loss is paid in full. Any market gain on cancellations shall remain the property of Ready Coins.

Market Loss Policy
When purchasing from Ready Coins, once we have issued a confirmation number, the price is locked in for you and the transaction may not be cancelled, but only offset at our current ask price. Any deficit between the price at which we sold to you and the offsetting purchase price and/or prices, is your responsibility only if your item(s) is cancelled or returned. That amount will be charged to you, plus a $30.00 (USD) cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of Ready Coins.
When selling to Ready Coins, once we have issued a confirmation number, the price is locked in for you and the transaction may not be cancelled, but only offset at our current buy price. Any deficit between the price at which we bought from you and the offsetting purchase price and/or prices, is your responsibility if we do not receive your items That amount will be charged to you, plus a $30.00 (USD) cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of Ready Coins.

Outside the U.S.
Ready Coins not only sells gold and silver, but we also offer a large inventory of other Precious Metals products. You can shop online with competitive prices, affordable shipping rates and world-class customer service for our international customers.
For our international customers, we make it easy to set up a payment, keep the privacy of your payment method, ship directly to your door on the other side of the globe and give you our satisfaction guarantee with every order. For additional questions, please contact info@ReadyCoins.com

What is the minimum order amount?

Minimum Order: $20.00 (credit card) & $1,000 (bank wire) USD

What currencies are accepted?

USD

What form of payment does Ready Coins accept?

• $20.00 – $1,000 USD (credit card)
  • $1,000 + USD (bank wire)

Do you accept credit cards?

Yes. We do accept credit cards for payment. Ready Coins recommends paying for smaller orders by credit card. Credit card orders exceeding $1,000 (USD) are not accepted until you are an established customer. All credit card orders are reviewed on an order by order basis. In addition, we will only ship to the credit card billing address. Please confirm that the ship to address is the same as the mailing address in your online account before placing credit card orders. We reserve the right to refuse any order deemed questionable or of significant risk to Ready Coins regardless of payment method and price confirmation.

How do I sell to Ready Coins?

Currently we can only purchase from international customers if the items are being stored at a Citadel Depository.

Will I have to pay duties or taxes when I receive my order?

All duties and taxes must be paid by the customer on delivery. You may be subject to taxes and/or duties for your order. Please consult your local customs broker for more information on duty and tax rates.
You may find this link helpful when researching your country’s taxes.

Does Ready Coins declare the value of the package on Customs Forms?

We always declare the full value of the shipment on any customs form. There are no exceptions to this rule.

What are the shipping costs for Singapore?
Shipping costs are $7.99 USD plus an additional $0.25 USD per troy ounce weight surcharge. Currently, all of our shipments are shipped FedEx International Economy or UPS Worldwide Expedited and must be shipped to a physical address. We do not typically accept orders from international customers using freight forwarding services such as Vpost addresses. If orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost. Additionally, customers living outside of FedEx or UPS normal delivery zones may incur an Extended Area Surcharge.
For additional information, please review our general international FAQ’s Or, if you require further assistance, please send your inquiry to info@ReadyCoins.com or call (561)529-3012 to speak directly with one of our customer service representatives.

What is your return policy?
We guarantee your satisfaction at Ready Coins. We provide all our customers with a refund, return and/or exchange policy on everything we sell including all bullion and certified coins. This right is limited to ten (10) days from the date on which the customer receives their items. The refund, return and/or exchange policy only applies to customers who notify our Customer Service Department by telephone at (561) 529-3012 within ten (10) days from the date on which the customer receives their item and keeps the item in its original packaging. The Customer Service Department will give you instructions on how to return your items.

Shipping and handling charges are non-refundable. For returns, you must carefully package the product, you are responsible for the cost of return shipping. Ready Coins reserves the right, at its sole discretion, to reject any return that does not comply with these requirements.
We want our customers to be pleased with their purchases. If for any reason you have a problem, please feel free to call our offices and discuss it with us. We will always do our best to accommodate you. We do charge a 7% restocking fee on all credit card orders returned. If an exchange is requested, we reserve the right to find an acceptable replacement or refund your money if an acceptable replacement is not available.
On returning bullion related items, the customer may (at Ready Coins discretion) be required to pay for any market loss on their returns. Any market gain on refunds shall remain the property of Ready Coins.

Pricing or Typographical Errors – We work hard to provide accurate product and pricing information. However, pricing or typographical errors may occur. In the event that an item is listed at an incorrect price or with incorrect information due to an error in pricing or product information, Ready Coins shall have the right, at our sole discretion, to refuse or cancel any orders placed for that item. If an item is incorrectly priced, we will either contact you for instructions or cancel your order and notify you of such cancellation. Prices and availability are subject to change without notice.

Additional Terms – Additional terms relating to certain products (such as prices, methods of payment, our policies with respect to returns, refunds, and cancellations and/or exchanges) may be posted on the Site on the pages describing the products.
How do I obtain a Return Authorization Number?

Should you elect to return an item from your order, you must do so during normal business hours of 9:00 – 5:00 EST Monday – Friday. All returns must be done over the telephone only, at which time you will be given a Return Authorization Number. Once your return is received, if any market loss to Ready Coins has occurred, it will be calculated. You will not be charged the $30.00 (USD) cancellation fee to return an item or items. However you may (at Ready Coins discretion) be required to pay for any market loss (Our market loss policy) on your returns. If applicable, you may elect to pay the market loss by credit card or, we will invoice you and you will have thirty days to pay the market loss in full. No future orders may be permitted until that amount is paid in full. Any market gain on cancellations shall remain the property of Ready Coins.

Are there risks?
All investments involve risk – coins and bullion are no exception. The value of a bullion coin (e.g., American Eagles or Canadian Maple Leafs) is affected by many economic factors, including the current market price of bullion the perceived scarcity of the coins and other factors. Some of these factors include the quality and current demand and general market sentiment. Therefore, because both bullion and coins can go down as well as up in value, investing in them may not be suitable for everyone. Since all investments, including bullion and coins, can decline in value, you should understand them well, and have adequate cash reserves and disposable income before considering a bullion or coin investment.

Is Gold, Silver, Platinum or Palladium taxable?
Ready Coins does not collect any tax when your order is shipped outside the state of Florida. You should consult your tax advisor for specific taxation advice in your jurisdiction. State taxes may be applicable.

Can Ready Coins store my gold, silver, platinum or palladium for me?
Yes. When you buy Precious Metals products from Ready Coins, you can choose to have them delivered directly to a high-security, private storage facility, managed by some of the world’s largest and most recognized names in secure vaulting solutions. You can call a Customer Service Representative at (561) 529-3012 Monday through Friday, 9am to 5pm (ET).

Do you report my purchase of precious metals to the IRS?
Ready Coins is not required to report our sales transactions to the IRS or any other federal, state or local agencies unless you fall under the Form 8300 requirement.

User Agreement
By using the website www.ReadyCoins.com and other services provided by Ready Coins, including placing sales orders from Ready Coins, placing purchase orders to Ready Coins, you are agreeing to the following terms, including, without limitation, the terms available by hyperlink (the “User Agreement”). These terms apply to all orders, sales and purchases, whether made through the website, by telephone or otherwise.

This agreement contains 12 sections. The headings and subheadings below are for reference only and do not limit the scope of each section. Some capitalized terms have specific definitions in section 12 (Definitions).

1. Buying From Us
   2. Sending Your Payment
   3. Shipping Your Product
   4. International Orders
   5. Return Policy
   6. Risks
   7. Selling To Us
   8. Market Loss Policy
   9. Binding Contract
   10. General Provisions
   11. Definitions

This User Agreement governs your sale and purchase transactions, including placement of sales orders from Ready Coins and purchase orders to Ready Coins, as applicable, and are incorporated by reference into and made part of the ReadyCoins.com website.

1. Buying from Us
2. Minimum Sales Orders

There is no minimum sales order for shipments within the U.S., regardless of the payment method. For any sales order shipped to Canada, our minimum is $200.00 (USD) per transaction. The minimum sales order amount for shipments to Europe, Asia, Australia and New Zealand is $1,000.00 (USD) per transaction.

There is no maximum sales order. However, Ready Coins reserves the right to request a ten percent (10%) deposit on sales orders deemed “significant” by Ready Coins in its sole discretion, before we will accept and confirm the sales order and lock in prices. On sales orders greater than $500,000.00 (USD), we recommend that you contact our Sales Department at (000) 000-0000 (Press 1 for Sales) to determine if a deposit will apply.

1. Sales Order Price Confirmations

o When buying online from us, the price at which your sales order is submitted is the locked-in price. There are no added commissions. The only charges Ready Coins adds, are for shipping, handling and insurance. Your confirmation number will be in your return email. The sales order price is locked-in for 5 business days on sales orders under $10,000.00 (USD) and for 3 business days on sales orders of more than $10,000.00 (USD). That is the time you have to make your payment to Ready Coins. You must ensure that your payment is dated within 24 hours of the time of your confirmed sale and received by Ready Coins within 5 Business Days of your confirmed Sale on Sales Orders under $10,000 (USD) and 3 Business Days of your confirmed Sale on Sales Orders more than $10,000.00 (USD) to realize your locked-in price.

1. Cancellations of Sales Orders with Ready Coins

Once we have issued a Sales Order confirmation, (a) all prices are locked-in, and (b) there is a binding contract between us for your transaction and, as a result, any market risk for breach is transferred to you at the time the Sales Order is confirmed. This is a benefit to you because you know your price at your Sales Order confirmation time and we believe this is one of the key benefits of transacting with Ready Coins. You have no right to cancel your Sales Order(s). However, if you default in your performance of payment, shipment or any other act required, we may cancel your Sales Order(s). We reserve the right to cancel any Sales Order at any time and for any reason.

Any Sales Order cancellations are subject to our Market Loss Policy plus a thirty-five dollar ($30.00 USD) cancellation fee. Sales Order cancellations will be confirmed, and you will be given a cancellation number. At that time, if any Market Loss to Ready Coins has occurred, it will be calculated and added to the $30.00 cancellation fee. If applicable, you agree you have full responsibility and liability to Ready Coins for any cancellation fee and/or Market Loss and you agree to remit immediately (upon notice) to Ready Coins good funds for any cancellation fee and/or Market Loss. No future Orders by you may be permitted unless and until any Market Loss is paid in full. Any Market Gain on Sales Order cancellations vests in and shall remain the property of Ready Coins. Upon written confirmation by Ready Coins of your payment of the $30.00 cancellation fee plus the Market Loss, we will forgive further action against and your responsibility for any breach by you and all resulting damages owed to Ready Coins.

1. Sales Order Changes

Because a Sales Order may not be changed, we suggest you take the time up front to make sure what you want is exactly what you request from us as reflected in your Sales Order.

1. Sales Order Payment Requirements

When you buy from us, you must ensure that your payment is received by Ready Coins within 5 Business Days from the date your Sales Order is placed for Sales Orders under $10,000.00 (USD) and within 3 Business Days from the date your Sales Order is placed for Sales Orders of more than $10,000.00 (USD) to realize your locked-in price. If you default and payment is not timely received by Ready Coins, Ready Coins reserves the right in its sole discretion to (a) accept your payment; (b) refuse your payment and cancel your Sales Order; (c) close your account; and/or (d) preclude you from placing future trades or from making future Sales from Ready Coins.

It is always best to send us your payment immediately to complete your transaction with Ready Coins and avoid any possible default so you can realize the locked-in price as of your confirmation time. When making payment by mail or wire, we recommend making payment the same day your Sales Order is placed and, when mailing payment, that you use a courier service that offers priority delivery and which provides you with a tracking number to ensure timely delivery and tracking capabilities.

If you default and your payment is not timely received by Ready Coins and a decline in the market price occurs, you will be liable for any Market Loss per our Market Loss Policy. You agree you have full responsibility and liability to Ready Coins for any cancellation fee and/or Market Loss. Any Market Gain on cancellations shall vest in and remain the property of Ready Coins.

2. Sending Your Payment

Payment instructions will be issued online on the final page of the online Sales Order process and again by email after you place your Sales Order. Payment must be dated within 24 hours of your Sales Order date. If you default and you do not meet these requirements, Ready Coins reserves the right to cancel Sales Orders. Ready Coins does not accept C.O.D. Sales Orders. We reserve the right to refuse or cancel any Sales Order at any time, including if it is deemed questionable or of significant risk to Ready Coins regardless of payment method and price confirmation and in such case, you waive any right to any claim or actual damages of any kind or nature whatsoever.

1. Payment Options

Depending upon the Sales Order amount, you may pay by some or all of the following payment methods: credit card, bank wire, certified check, cashier’s check or personal check. More specifically:

Sales Order

Amount Accepted Payment Types Payment Due (from date Sales Order placed)
$50 – $1,000 Credit Card, Cashier’s Check, Personal Check, Money Order 5 Business Days
$1,001 – $5,000 Credit Card, Bank Wire, Cashier’s Check, Personal Check, Money Order 5 Business Days
$5,001 – $10,000 Bank Wire, Cashier’s Check, Personal Check 5 Business Days
$10,001 – $25,000 Bank Wire, Cashier’s Check, Personal Check 5 Business Days
$25,001 – $250,000 Bank Wire, Personal Check 5 Business Days
$250,001 + Bank Wire 3 Business Days

Credit card Sales Orders for any amount(s) are reviewed on an order by order basis. In Ready Coins sole discretion, your credit card Sales Order(s) may be subject to additional documentation or screening and are subject to our pre-approval, in our sole discretion. Ready Coins has the right to refuse any credit card payment in its sole discretion.

1. Cash Discounts

If you pay for Sales Order(s) by bank wire, certified check, cashier’s check or personal check, we provide a 3% cash discount off our list price. The prices shown for each Product on the Website are the list prices which already reflect the 3% cash discount. The price is higher if you choose and we approve credit card payment.

1. Collection Period on Checks

We deposit all certified checks and cashier’s checks for collection and the typical period before we authorize shipment is from 5-10 Business Days. Personal checks are deposited for collection and the typical period before we authorize shipment is from 5-10 Business Days, regardless of when such checks may clear the banking system.

1. Wiring Funds

Once you have placed a Sales Order and we have issued a confirmation number, we will provide you wire instructions, including our bank name, ABA routing number and account number.

1. Good Funds Policy

Good funds is the day we receive your direct bank wire, and from 5-10 Business Days from the day we receive your cashier’s check, certified check or personal check. Additional delays may occur for checks if your bank does not cooperate in assisting us with the information needed to verify your transaction.

1. Credit Cards

We may accept, but are not obligated to accept, credit card payments for Sales Order(s). We do recommend paying for smaller Sales Orders by credit card. All credit card Sales Order requests are reviewed on an order by order basis. In addition, we will only ship to the credit card billing address. Please confirm that the ship to address is the same as the mailing address in your online account before placing credit card Sales Orders. We reserve the right to refuse any Sales Order deemed questionable or of significant risk to Ready Coins regardless of payment method and price confirmation and in such case, you waive any right to any claim or actual damages of any kind or nature whatsoever. We do not accept credit card payments for international Sales Orders. Ready Coins has the right to refuse any credit card payment in its sole discretion.

1. ACH or Online Payments for Sales Orders

We do not accept ACH transactions for Sales Orders. We do accept online bill payments in check form only. They will be treated the same as a personal check regarding shipment date. We will ship the Products(s) 5-10 Business Days after we receive the check.

1. Currencies

We currently accept payments for Sales Orders in US Dollars.  Payment amounts must equal prices quoted in USD.

3. Shipping Your Product

Your Sales Orders are shipped by us, in our discretion, by Registered/Insured U.S. Mail, UPS, Federal Express or another common carrier. Each package is fully insured. Packages sent registered and insured mail can take on average 5-10 Business Days to receive.

1. Estimated U.S. Shipping, Handling and Insurance Charges

•  $9.95 (USD) for Sales Orders of Up to $499.99 (USD)
  •  $14.95 (USD) for Sales Orders of $500.00 to $4,999.99 (USD)
  •  Free for Sales Orders of $5,000.00 (USD) and over

1. Insurance for Sales Orders

Ready Coins insures all of its Sales Order shipments to you for the sale value of the enclosed Product purchased from Ready Coins, subject to the following limitations. We must be notified of a lost package within thirty (30) days from the ship date of your order. Should anything happen while your package is in transit to you, you might be permitted to claim coverage under our insurance policy provided that you directly receive the package from the common carrier. Neither we, nor our insurance company, accepts (and we specifically disclaim) responsibility if you have left instructions with any carrier or delivery service to leave parcels for you without the need for your signature. Nor do we, nor our insurance company, accept (and we specifically disclaim) responsibility if you have given any carrier or delivery service instructions to leave your package with someone else, such as a building manager, neighbor, or a drop-off location such as Mail Boxes Etc., The UPS Store, or similar third party drop off locations. In any such case, your package will not be covered for insurance by Ready Coins or our insurance carrier. If you do not receive the package directly from the common carrier, you agree to take all reasonable actions to assist in recovery of the package, including but not limited to filing out reports (and/or police reports) and providing all information needed or that may be requested to assist in recovery of the package. If you do not fully cooperate in recovery efforts, neither Ready Coins, nor our insurance company or carrier, will have any liability to you.

When we ship to you, if Products are lost or damaged in transit, it is our responsibility to pursue any claim with the insurance company. If we determine the package is lost or damaged, we file a claim. Once the claim is filed, we reserve the right to re-ship your items or refund your money at our discretion, and Ready Coins shall have no further responsibility or liability to you. If there is any disruption in the delivery of a package to you, you agree to cooperate with us in any investigation or claim process and to take every reasonable action requested of you in the process. Failure to fully cooperate will jeopardize coverage that may be provided to you.

1. Back Ordered Items

Supply and demand problems occasionally occur in our business. From time to time, we have more buyers than sellers. If this should happen, we reserve the right to delay delivery of your Sales Order(s) up to 28 calendar days (from your expected shipping date) to fill your Sales Order. Provided that you have not defaulted in any term of your completed transaction, even if the price were to rise, your price is locked-in. We will deliver Bullion (non-Numismatic) Product within 28 calendar days. If your Sales Order included a Numismatic or supply item from Ready Coins and we are sold out, we will either place it on back order, attempt to locate another or refund your original sales price, in our sole discretion. If a refund is provided or there is any delay in sending your Products, you waive any right to any claim or actual damages of any kind or nature whatsoever.

4. International Orders
5. Duties and Taxes

All duties and taxes must be paid by the customer on Sales Order(s) delivery. You may be subject to taxes and/or duties for your Sales Order from Ready Coins. Please consult your local customs broker for more information on duty and tax rates.

All shipping amounts listed below are approximations. Please call us for the most current shipping charges.

Ready Coins always declares the full value of the shipment on any customs form. There are no exceptions to this rule.

1. International Delivery Requirements

If your Sales Order is returned to Ready Coins due to your refusal to pay duties or taxes, or if the carrier (for example, Federal Express or UPS) was unable to deliver your Sales Order, you agree you are responsible for any return shipping fees, additional duties, or applicable taxes for returning the package back to Ready Coins. In addition, if your package is returned to Ready Coins, we will not reship your Sales Order unless and until we are paid in full for any return shipping costs, duties, taxes we have had to pay or advance for you as well as any subsequent re-ship fees back to you.

International returns on Sales Orders are very costly and we strongly suggest making yourself aware of any duties or taxes before packages are shipped to avoid surprises. In addition, we strongly suggest making yourself available to the delivery company so your package is not returned to Ready Coins, subjecting you to unnecessary taxes, duties, shipping costs or delays. Delays for Sales Order re-ships could take 4-6 weeks or longer to complete when packages are not received as they should be. If you have any questions about your international shipment, please send an inquiry to info@ReadyCoins.com.

1. Canada

Shipping charges for Sales Orders to Canada are approximately $34.95 (USD) plus an additional estimated $0.15 (USD) per troy ounce weight surcharge. Currently, all of our shipments to Canada must be shipped to a physical address and a delivery zone surcharge may apply. We do not typically accept Sales Orders by or to international customers using freight forwarding services, such as Vpost addresses. If Sales Orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such Sales Orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost.

You may find this link to Revenue Canada documentation helpful when researching Canadian tax policies.

Canadian minimum Sales Order: $200.00 (USD)

1. Europe

We currently ship Sales Orders to Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Ireland, Isle of Man, Italy, Jersey, Luxembourg, Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweeden, Switzerland and United Kingdom.
o Shipping charges for Sales Orders to Europe are approximately $49.95 (USD) plus an additional estimated $0.25 (USD) per troy ounce weight surcharge. Currently, all of our Sales Order shipments must be shipped to a physical address and a delivery zone surcharge may apply. We do not typically accept Sales Orders by or to international customers using freight forwarding services, such as Vpost addresses. If Sales Orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such Sales Orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost.

Europe minimum Sales Orders: $1,500.00 (USD)

1. Asia

We currently ship Sales Orders to China Brunei, Hong Kong, Japan, Macau, Malaysia, Philippines, Singapore, South Korea, Taiwan and Thailand.

Shipping charges for Sales Orders to Asia are approximately $49.95 (USD) plus an additional estimated $0.25 to $0.30 (USD) per troy ounce weight surcharge, depending upon the country. Currently, all of our Sales Order shipments must be shipped to a physical address and a delivery zone surcharge may apply. We do not typically accept Sales Orders by or to international customers using freight forwarding services, such as Vpost addresses. If Sales Orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such Sales Orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost.

Asia minimum Sales Orders: $1,500.00 (USD)

1. Australia

Shipping charges for Sales Orders to Australia are approximately $49.95 (USD) plus an additional estimated $0.25 (USD) per troy ounce weight surcharge. Currently, all of our Sales Order shipments must be shipped to a physical address and a delivery zone surcharge may apply. We do not typically accept Sales Orders by or to international customers using freight forwarding services, such as Vpost addresses. If Sales Orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such Sales Orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost.

Australia minimum Sales Orders: $1,500.00 (USD)

1. New Zealand

Shipping charges for Sales Orders to New Zealand are approximately $49.95 (USD) plus an additional estimated $0.30 (USD) per troy ounce weight surcharge. Currently, all of our Sales Order shipments must be shipped to a physical address and a delivery zone surcharge may apply. We do not typically accept Sales Orders by or to international customers using freight forwarding services, such as Vpost addresses. If Sales Orders are placed online with Vpost or freight forwarding addresses, all risk of loss for such Sales Orders is borne by you once Ready Coins delivers your product to the freight forwarding service or Vpost.

New Zealand minimum Sales Orders: $1,500.00 (USD)

5. Return Policy

We want our customers to be satisfied with their sales at Ready Coins. At your request, we may, but are not obligated to, provide you with an opportunity to exchange a Product for an identical Product in the event of a material defect. If we agree to do so, such exchange must be made within fourteen (14) Business Days from the date on which the customer receives his or her Product(s) and only to those customers who timely and properly notify our Customer Service Department by telephone at (561) 529-3012, and who receive written confirmation that the exchange request has been approved. If approved, the Customer Service Department will give you instructions on how to exchange your items.

Shipping and handling charges are non-refundable. For approved exchanges, you must follow all instructions provided by Customer Service, including carefully packaging the Product. You are responsible for the cost of return shipping and the risk of loss during the return shipment as part of the exchange. Ready Coins reserves the right, at its sole discretion, to reject any exchange that does not comply with these requirements. If an exchange is requested, we reserve the right to accept or refuse the exchange request in our sole discretion, and to require you to pay for any Market Loss on approved exchanges. Any Market Gain on refunds shall vest in and remain the property of Ready Coins.

6. Risks

All investments involve risk; Coins and Bullion are no exception. The value of a Bullion Coin (e.g., American Eagles or Canadian Maple Leafs) is affected by many economic factors, including the current market price of Bullion the perceived scarcity of the Coins and other factors. Some of these factors include the quality and current demand and general market sentiment.

Therefore, because both Bullion and Coins can go down in price as well as up, investing in them may not be suitable for everyone. Because all investments, including Bullion and Coins, can decline in value, you should understand them well, and have adequate cash reserves and disposable income before considering a Bullion or Coin investment. Please consult your financial advisor.

Ready Coins does guarantee that every item that we sell is genuine and that all Precious Metal items do contain the weight, fineness, and purity that we have advertised. However, all investments, of every type, involve some level of risk and Precious Metals are no exception. Like many markets, the Precious Metals market is speculative, and it is unregulated. The value of any Bullion item is generally determined by current spot price of the underlying Precious Metal, and by the supply and demand for these particular items. These prices will fluctuate throughout the day while the Precious Metals market is open. If you are considering purchasing Precious Metals as an investment, you should assess the stability of the current market and contact your financial advisor for all advice.

7. Selling to Us
8. Minimum Transaction Size for Purchase Orders

When you sell your items to us, our minimum Purchase Order amount is $1,000.00 (USD).

1. Physical Delivery for Purchase Orders

You may deliver your Precious Metals to one of our pre-approved depositories or drop off locations by pre-arranged appointment only. To make a delivery appointment, please call us at (561) 529-3012.

1. Delivery Terms for Purchase Orders

Once your Purchase Order is confirmed, you may not cancel and are obligated to send the agreed to quality and quantity of Precious Metals to Ready Coins. After confirmation, your Purchase transaction to Ready Coins may be cancelled by Ready Coins if you default in the performance of any of these requirements: (a) you do not call and provide us with the registered mail or other tracking number by the end of Business Day following confirmation of the Purchase Order to us; (b) we do not receive the Precious Metals which are part of such Purchase Order to us within 5 Business Days; and/or (c) Precious Metals are received but do not meet the quality standards, agreed quantity and/or for other non-compliance by you. Additionally, if your Purchase Order transaction obligation(s) are not met and/or your Purchase Order transaction is cancelled by Ready Coins, you agree you are responsible for and liable to cover any Market Loss we might or do incur by accepting the Purchase Order to buy from you. This is covered in our Market Loss Policy. Furthermore, in our sole discretion, you may not be permitted to buy from or sell to us in the future. If you call and provide us with the registered mail or tracking number as required, and we do not receive the items within 5 Business Days from the date the delivery to us was initiated and the delay is due to the USPS, UPS or Federal Express, we may, but are not obligated to, extend the deadline on a case by case basis and in our sole discretion. We reserve the right to cancel any Purchase Order at any time and for any reason. All risk of loss in any Purchase Order transaction is borne by you until Ready Coins takes actual physical custody and control of each and all of the Product(s) that are the subject of the Purchase Order.

1. Payments to You for Purchase Orders

When we receive the package containing your Purchase Order items, and after we have confirmed the quality, quantity and otherwise the entire accuracy of the transaction, we will typically send you the payment due within 3-5 Business Days in one of the following ways. You can select the payment method as described below that best suits your needs. Payment options for Purchase Orders of less than $5,000.00 (USD) are:

1. Check sent priority mail (you are responsible for a $7.95 (USD) priority fee which will be applied);
   2. Check sent first class mail; or
   3. Funds sent by ACH

Payment options for Purchase Orders of $5,000.00 (USD) or more are:

1. Bank Wire (you are responsible for a $25.00 (USD) priority fee which will be applied);
   2. Check sent priority mail (you are responsible for a $7.95 (USD) priority fee which will be applied);
   3. Check sent first class mail; or
   4. Funds sent by ACH
2. Cancellation of Purchase Orders

Once we have issued a Purchase Order confirmation number (a) all prices are locked-in, and (b) there is a binding contract between us for your transaction and, as a result, any market risk for breach is transferred to you at the time the Purchase Order is confirmed. This is a benefit to you because you know your price at your Purchase Order confirmation time and we believe this is one of the key benefits of transacting with Ready Coins. You have no right to cancel Purchase Order(s). However, if you default in your performance of shipment, quality, quantity or any other act required to complete the Purchase Order transaction as required, we may cancel your Purchase Order(s). We reserve the right to cancel any Purchase Order at any time and for any reason.

All Purchase Order cancellations are subject to our Market Loss Policy plus a thirty dollar ($30.00 USD) cancellation fee. Purchase Order cancellations will be confirmed, and you will be given a cancellation number. At that time, if any Market Loss to Ready Coins has occurred, it will be calculated and added to the $30.00 cancellation fee. If applicable, you agree you have full responsibility and liability to Ready Coins for any cancellation fee and/or Market Loss and you agree to remit immediately (upon notice) to Ready Coins good funds for any cancellation fee and/or Market Loss. No future Orders may be permitted until any Market Loss is paid in full. Any Market Gain on Purchase Order cancellations vests in and shall remain the property of Ready Coins, and Ready Coins shall have no responsibility to you for Market Gain. Upon written confirmation by Ready Coins of your payment of the $35.00 cancellation fee plus the Market Loss, we will forgive further action against you and your responsibility for any breach by you and all resulting damages owed to Ready Coins.

1. Purchase Order Fees

When you sell your items to us there are no hidden fees or charges. The prices quoted are the prices we will pay.

8. Market Loss Policy

When you buy from Ready Coins, once we have issued a Sales Order confirmation number, you have a binding contract, the transaction price is locked-in and any corresponding market risk is transferred to you. This is a benefit to you because you know your price at your Sales Order confirmation time and we believe this is one of the key benefits of transacting with Ready Coins. If you default in your performance of payment, shipment or any other act required by you, we may cancel your Sales Order(s). If your Sales Order(s) is cancelled, you agree you have full responsibility and liability to Ready Coins for any Market Loss, plus a thirty dollar ($30.00 USD) cancellation fee. You must also pay, and have full responsibility and liability to, Ready Coins for all fees and costs associated with Ready Coins efforts in collecting from you. Any Market Gain on Sales Order cancellations shall vest in and remain the property of Ready Coins, and Ready Coins shall have no responsibility to you for Market Gain. We reserve the right to cancel any Sales Order at any time and for any reason. All future Sales Orders will be held for shipment until any/all outstanding Market Loss and/or cancellation fee balances have been paid in full.

When you sell to Ready Coins, once we have issued a Purchase Order confirmation number, you have a binding contract, the transaction price is locked-in and the corresponding market risk is transferred to you. This is a benefit to you because you know your price at your Purchase Order confirmation time and we believe this is one of the key benefits of transacting with Ready Coins. If you default in your performance of shipment, quality or quantity or any other act required by you, we may cancel your Purchase Order(s). If your Purchase Order(s) is cancelled, you agree you have full responsibility and liability to Ready Coins for any Market Loss, plus a thirty dollar ($30.00 USD) cancellation fee. You must also pay, and have full responsibility and liability to, Ready Coins for all fees and costs associated with Ready Coins efforts in collecting from you. Any Market Gain on Purchase Order cancellations shall vest in and remain the property of Ready Coins, and Ready Coins shall have no responsibility to you for Market Gain. We reserve the right to cancel any Purchase Order at any time and for any reason.

9. Binding Contract

Once you have placed a Sales Order to buy from READY COINS or a Purchase Order to sell to Ready Coins, you have entered into a binding contract.

10. General Provisions
11. Absence of Relationship

The sole relationship between Ready Coins and you is that of buyer-seller. No other relationship, including, without limitation, any agent-principal relationship, any employee-employer relationship, any franchisee-franchisor relationship, any joint venture relationship or any partnership relationship, between Ready Coins and you exists.

1. Additional Items

Additional terms relating to certain Products (such as prices, methods of payment, our policies with respect to returns, refunds, and cancellations and/or exchanges) may be posted on the site on the pages describing the Products.

1. Assignment

You may not assign any of your rights or obligations under this User Agreement without the prior written consent of Ready Coins, which may be granted or withheld by Ready Coins in its sole discretion. This contract, including but not limited to the User Agreement, shall be binding on all permitted assigns and successors of Ready Coins and you.

1. Confidentiality

You shall hold the existence and terms of all your transactions with Ready Coins, including, without limitation, the existence of any disagreement or dispute and the existence and the terms of any resolution thereof, in strictest confidence and you shall not disclose any such information to any person or entity unless (a) such disclosure is required by applicable law or regulation or (b) such disclosure is required by a court or other tribunal of competent jurisdiction. If you become aware that you may be required to make any disclosure of such information, including, without limitation, as a result of the receipt of a subpoena or other compulsory process, you shall promptly notify, in writing, Ready Coins and you shall cooperate, in good faith, with Ready Coins in obtaining a protective order or other appropriate relief, if any, with respect to such disclosure.

1. Dispute Resolution

It is Ready Coins goal that any disagreement or dispute be resolved expeditiously. We encourage you to contact Customer Service at (000) 000-0000 if you have any concerns and to try to resolve this amicably between us. If an amicable resolution cannot be reached, you agree that any and all disagreements and disputes between us shall be resolved in accordance with the following paragraphs:

1. Forum Selection and Governing Law.

The federal and state courts located in Martin County, Florida, shall have exclusive jurisdiction of all actions arising out of or relating to the transactions between you and Ready Coins, including but not limited to the User Agreement. All such disputes shall be resolved exclusively in such federal and state courts, as appropriate, in that jurisdiction. You hereby consent to personal jurisdiction and venue in those federal and state courts for the purpose of resolving any disagreements or disputes between us and waive all objections to the jurisdiction of such federal and state courts. Any action arising out of or relating to the User Agreement shall be governed by, and interpreted in accordance with, the laws of the State of Oklahoma, without regard to conflict of laws principles.

2. Waiver of Jury Trial; Arbitration.

Both Ready Coins and you hereby waive the right to a trial by jury in connection with any dispute arising out of or relating to the User Agreement and the transactions between them. Both Ready Coins and you also waive any arbitration requirements to which they might otherwise be subject.

1. Force Majeure

If Ready Coins cannot perform any obligation hereunder as a result of any event that is beyond its control, Ready Coins delay or failure to perform such obligation shall be excused and Ready Coins shall not be liable for any damages as a result of, or in connection with, such delay or such failure.

1. Further Assurances

You shall execute and deliver such other documents and take such other actions as may be reasonably requested by Ready Coins to carry out your obligations under the User Agreement.

1. Notices

Except as otherwise provided herein, all notices and other communications to Ready Coins shall be directed to Ready Coins, 2740 SW Martin Downs Blvd Suite 231 Palm City, FL 34990 and all other notices and other communications to you shall be directed, at the option of Ready Coins, to the address that you provided to Ready Coins at the time of your registration.

1. Recording of Phone Conversations

Ready Coins may record phone conversations between us, and you expressly consent to the recording of such phone conversations.

1. Absence of Waivers

A decision or a failure by Ready Coins to take action with respect to any non-compliance by you of your obligations to Ready Coins or to insist upon strict adherence to any term in the User Agreement, does not affect the ability of Ready Coins with respect to any other non-compliance by you, and does not waive or limit Ready Coins right thereafter to insist upon strict adherence to that or any other term, whether of a similar or dissimilar nature.

1. Pricing or Typographical Errors

We work hard to provide accurate Product and pricing information to you. However, pricing or typographical errors may occur. In the event that an item is listed at an incorrect list price or with incorrect information due to an error in pricing or Product information, Ready Coins shall have the right, at our sole discretion, to refuse or cancel any Sales Orders or Purchase Orders placed by or sent to you for that item. We will either contact you for instructions or cancel your Sales Order or Purchase Order and notify you of such cancellation. Prices and availability are subject to change without notice. If a refund is provided or there is any delay in sending you your Products or your payment, as the case may be, you waive any right to any claim or actual damages of any kind or nature whatsoever.

1. Security

Ready Coins takes security very seriously. Our security measures protect the loss, misuse and alteration of all information under our control. Our system is based on the SSL (Secure Socket Layer) encryption standard. Provided you are using an SSL-compliant browser such as Microsoft Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari, you’ll be able to conduct fully-protected transactions that encrypt all of your personal information, including credit card number, name and address, so it cannot be read as the information travels from you to Ready Coins. Furthermore all of the customer data we collect is protected against unauthorized access. See our Privacy Policy for additional information.

1. Section Headings

The section headings are included for ease of reference and do not affect the interpretation or the scope of the User Agreement.

1. Severability

The User Agreement is intended to be enforceable to the fullest extent permitted by applicable law. If any term of the User Agreement is held to be unenforceable for any reason, such unenforceability shall not affect the other terms of the User Agreement, and the term that would otherwise be unenforceable shall be enforced to the fullest extent that it would be enforceable.

1. Amendment

Ready Coins may amend the User Agreement at any time by posting the amended terms on the Website and such amendments shall become effective immediately.

1. Entire Agreement

The User Agreement, the Privacy Policy and confirmations of the Sale or Purchase transactions hereunder set forth the entire understanding between Ready Coins and you with respect to the subject matter of our transactions.

1. User Content and Conduct

At times, if and where applicable at the Website, you may be invited to post User Content. You understand that all User Content, whether you have publicly posted on a forum or privately transmitted to another or to us, is your sole responsibility. Though the Website is designed to be a safe place to share such User Content, Ready Coins cannot guaranty that other users will not misuse the User Content that you share. If you have any User Content that you would like to keep confidential or do not want others to use, do not post it to the Website. Under no circumstances will Ready Coins be liable in any way for any User Content, including, but not limited to, any errors or omissions in any User Content, or for any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed or otherwise transmitted via the Website. The Ready Coins entities are not responsible for a user’s misuse or misappropriation of any User Content you posted at the Website.

By posting any User Content at the Website, you hereby grant Ready Coins and its designees a royalty-free, fully paid-up, perpetual, irrevocable, non-exclusive and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, combine with other works, create derivative works from, distribute, perform, edit and display such User Content (in whole or part), throughout the world in any form, media, or technology now known or later developed. You specifically waive any “moral rights” in and to the User Content. The foregoing grant includes, without limitation, any copyrights and other intellectual property rights in and to your User Content. You represent and warrant that: (a) you own the User Content posted by you or otherwise have the right to grant the license set forth in this section; and (b) the posting of your User Content at the Website does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person. You agree to pay for all royalties, fees, and any other monies owing any person by reason of any User Content you post at the Website.

You acknowledge and agree that Ready Coins may preserve User Content and may also disclose User Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claim(s) or assertion(s) that any User Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of Ready Coins, its users and the public. You understand that the technical processing and transmission of the Website, including your User Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.

You agree to each of the conditions in this Agreement and further agree that each of these conditions applies forever and broadly with regard to Ready Coins worldwide. Posting of User Content to or through the Website, including ideas or disclosures of opinions, is voluntary on your part. No confidential or contractual relationship is established by your posting of User Content or is to be implied by our review or subsequent use of your User Content. Ready Coins shall not be liable for any disclosure of any User Content, including opinion(s) or suggestion(s), you post to or through the Website. Ready Coins shall be entitled to unrestricted use of any User Content it may receive from you at the Website, for any purpose whatsoever, commercial or otherwise, without compensation to you as the provider of the User Content.

You agree that you will not use the Website to:

1. upload, post, email or otherwise transmit any User Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
   2. harm minors in any way;
   3. impersonate any person or entity, including, but not limited to a representative of Ready Coins, or falsely state or otherwise misrepresent your affiliation with a person or entity;
   4. forge headers or otherwise manipulate identifiers in order to disguise the origin of any User Content transmitted through the Website;
   5. upload, post, email or otherwise transmit any User Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
   6. upload, post, email or otherwise transmit any User Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
   7. upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas that are designated for such purpose;
   8. upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, emulate, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
   9. disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Website are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real-time exchanges;
   10. interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies or regulations of networks connected to the Website;
   11. “stalk” or otherwise harass another; or
   12. collect or store personal data about other Website users.

You understand that by using the Website, you may be exposed to User Content created by others that is offensive, indecent or objectionable. Ready Coins does not endorse or have control over User Content. User Content is not reviewed by Ready Coins prior to posting and does not reflect the opinions or policies of Ready Coins. Ready Coins makes no representations or warranties, express or implied as to User Content or the accuracy and reliability of User Content or any other material or information that you may access through the Website. Ready Coins assumes no responsibility for monitoring the Website for inappropriate submissions or conduct. If at any time Ready Coins chooses, in its sole discretion, to monitor the Website, Ready Coins nonetheless assumes no responsibility for User Content, has no obligation to modify or remove any inappropriate User Content, and has no responsibility for the conduct of the Website users submitting any such User Content. Notwithstanding the foregoing, Ready Coins and its designees shall have the right to remove any User Content that violates this Agreement or is otherwise objectionable, in Ready Coins sole discretion. You agree that you must evaluate, and bear all risks associated with, the use of any User Content, including any reliance on the accuracy, completeness, or usefulness of such User Content. In this regard, you acknowledge that you may not rely on any User Content.

You are solely responsible for your interactions with other Website users. Ready Coins reserves the right, but has no obligation, to monitor disputes between you and other Website users and to terminate your Website access if Ready Coins determines, in its sole discretion, that doing so is prudent.

11. Definitions

The following terms have the following meanings in the User Agreement:

1. Ready Coins

The term ” Ready coins” means Ready Coins., a Florida DBA.

1. Bullion

The term “Bullion” means the term that is used to describe (1) Gold, Silver, Platinum or Palladium Coin(s), bar(s) or round(s) which closely follow spot prices and have little or no Numismatic value (such as restrikes); and (2) the form in which metal is shaped such as bars, ingots or wafers.

1. Business Day(s)

The term “Business Day(s)” means a day other than a Saturday, a Sunday or a day that is a holiday under the federal law of the United States of America and/or the laws of the State of Oklahoma.

1. Coin(s)

The term “Coin(s)” means a stamped piece of metal of a known weight and fineness issued by a sovereign government.

1. Fair Market Value

The term “Fair Market Value” means the Fair Market Value of the Product as determined by Ready Coins, in its reasonable discretion, as of 5:00 p.m., Central Time, on the date of cancellation of the Sales Order or the Purchase Order.

1. Market Gain

The term “Market Gain” means:

1. When a Sales Order or Sale, as the case may be, is cancelled by Ready Coins, Market Gain occurs when the Fair Market Value of the Product(s) on the date of the cancelled Sales Order or Sale is greater than the original sales price of the Product(s) as it appears on the cancelled Sales Order.
2. When a Purchase Order or Purchase, as the case may be, is cancelled by Ready Coins, Market Gain occurs when the Fair Market Value of the Product(s) on the date of the cancelled Purchase Order or Purchase is less than the original purchase price of the Product(s) as it appears on the cancelled Purchase Order.
3. Market Loss

The term “Market Loss” means:

1. When a Sales Order or Sale, as the case may be, is cancelled by Ready Coins, Market Loss occurs when the Fair Market Value of the Product(s) on the date of the cancelled Sales Order or Sale is less than the original sales price of the Product(s) as it appears on the cancelled Sales Order.
2. When a Purchase Order or Purchase, as the case may be, is cancelled by Ready Coins, Market Loss occurs when the Fair Market Value of the Product(s) on the date of the cancelled Purchase Order or Purchase is greater than the original purchase price of the Product(s) as it appears on the cancelled Purchase Order.
3. Numismatic Coins

The term “Numismatic Coins” means a Coin, the price of which depends more in its (their) rarity, condition, dates, and mint marks than on their gold or silver content, if any.

1. Numismatic

The term “Numismatic” means the study or collection of anything used as a medium of exchange – especially Coins and paper money.

1. Order(s)

The term “Order(s)” means, as applicable, a confirmed Sale by a customer or Purchase by Ready Coins, whether such Order was made through the Website, by telephone, in person or otherwise.

1. Precious Metal(s)

The term “Precious Metal(s)” means Gold, Silver and Platinum along with the Platinum group of elements: rhodium, osmium, ruthenium, Palladium and iridium. Precious Metals are characteristically lustrous, ductile, rare and nonreactive.

1. Product(s)

The term “Product(s)” means a Product that is the subject of an Order. A Product may include, without limitation, Bullion, a Coin, whether Numismatic, Semi-Numismatic or not, a Precious Metal, and/or supplies.

1. Purchase(s)

The term “Purchase(s)” means the acquisition of Product(s) by Ready Coins from a customer, whether made through the Website, by telephone, in person or otherwise, with the number, quality and price confirmed. A Purchase is distinct from the acquisition by a customer from Ready Coins of a Product, which is treated as a Sale hereunder.

1. Purchase Order(s)

The term “Purchase Order(s)” means an Order placed by Ready Coins with a customer for the acquisition by Ready Coins of Product(s) from the customer.

1. Sale(s)

The term “Sale(s)” means the acquisition of Product(s) by a customer from Ready Coins , whether made through the Website, by telephone, in person, or otherwise, with the number, quality and price confirmed. A Sale is distinct from the acquisition by Ready Coins from a customer of a Product, which is treated as Purchase hereunder.

1. Sale Order(s)

The term “Sale Order(s)” means an Order placed by a customer with Ready Coins for the acquisition by the customer of Product(s) from Ready Coins.

1. Semi-Numismatic

The term “Semi-Numismatic” means a Coin that has both Bullion and Numismatic value.

1. User Content

The term “User Content” means content posted by you on the Website, including without limitation any images or testimonials.

1. Website

The term “Website” means the websites located at WWW.ReadyCoins.com

Privacy Policy

Ready Coins respects your privacy. We will never willfully disclose individually identifiable information about our customers to any third party, except in the limited circumstances permitted by this policy.

Ready Coins does not sell, rent, or loan any personally identifiable information regarding its customers to any third party. Any information you give us is held with the utmost care and security, and will not be used in ways to which you have not consented.

This privacy policy (“Privacy Policy”) applies solely to information collected through the Ready Coins family of web sites, web pages, interactive features, applications, widgets, blogs and their respective contents at the following URLs: ReadyCoins.com in addition to Twitter, Facebook or other social networking sites, and their respective contents, whether accessed via computer, mobile device or other technology (collectively, the “Sites”). The Sites are offered by Ready Coins and its parent, subsidiary and affiliated companies, Site developers and other promotional partners (collectively, “Silver Now,” or “we”, “us”, “our”).

This Privacy Policy explains what information may be collected through the Sites, how such information may be used and/or shared with others, how we safeguard it and how you may access and control its use in connection with our marketing communications and activities. Please read this Privacy Policy carefully, because by using the Sites you are acknowledging that you understand and agree to the terms of this Privacy Policy. In addition, please review our User Agreement, which governs your use of the Sites and any content you submit to the Sites.

1. Information We Collect On Our Sites
   2. How We Use The Information We Collect
   3. Sharing Of Information
   4. Information We Receive From Third Parties
   5. Your Choice And Access
   6. Advertising/Behavioral Targeting; How To Opt-Out
   7. Children
   8. Security Of Your Information
   9. Other Sites
   10. Consent To Processing And Transfer Of Information
   11. Changes
   12. Contact Us
2. Information We Collect On Our Sites
3. Information You Provide To Us

The Sites may ask you to provide information that could reasonably be used to contact you or to identify you personally (such as your name, e-mail address, telephone number, or home address (“Personal Information”)). For example, Ready Coins may collect Personal Information when you register on the Sites, request information, submit comments or participate in some promotion, survey or other feature of the Sites, or otherwise communicate or interact with us. The Sites may also ask you to provide other information about yourself, such as demographic information (gender, zip code, age, etc.) or certain information about your preferences and interests. If we combine demographic or other information we collect about you with Personal Information about you, we will treat the combined information as Personal Information. To the extent the Sites allows you to apply to become a customer of READY COINS, additional information may be requested and collected from you via customer application forms and other forms. If you do not want your Personal Information collected, please do not submit it.

1. Information We Collect Automatically

Whenever you visit or interact with the Sites, Ready Coins, as well as any third-party advertisers and/or service providers, may use a variety of technologies that automatically or passively collect information about how the Sites are accessed and used (“Usage Information”). Usage Information may include, in part, browser type, operating system, the page served, the time, and the preceding page views. This statistical data provides us with information about the use of the Sites, such as how many visitors visit a specific page on the Sites, how long they stay on that page, and which hyperlinks, if any, they “click” on. This information helps us keep our website fresh and interesting to our visitors and tailor content to a visitor’s interests. Usage Information is generally non-identifying, but if Ready Coins associates it with you as a specific and identifiable person, Ready Coins treats it as Personal Information.

Ready Coins also automatically collects your IP address or other unique identifier (“Device Identifier”) for the computer, mobile device, technology or other device (collectively, “Device”) you use to access the Sites. A Device Identifier is a number that is automatically assigned to your Device when you access a web site or its servers, and our computers identify your Device by its Device Identifier.

The technologies used on the Sites to collect Usage Information, including Device Identifiers, may include, without limitation:

1. Cookies

Cookies are data files placed on a Device when it is used to visit the Sites. Ready Coins, or our third-party advertising service providers, may place cookies or similar files on your Device for security purposes, to facilitate site navigation and to personalize your experience while visiting our Sites. Cookies allow us to collect technical and navigational information, such as browser type, time spent on our Sites and pages visited. Cookies also allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Sites. If you would prefer not to accept cookies, you can change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; or set your browser to automatically not accept any cookies. However, please be aware that some features and services on our Sites may not work properly because we may not be able to recognize and associate you with your Ready Coins account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

2. Pixel tags

A pixel tag is a transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed. In addition, a pixel tag may tell your browser to get content from another server. In order to ensure the safekeeping of your information, network advertising companies and publishers are not permitted to directly collect Personal Information on our Sites.

Ready Coins has implemented and uses Google Analytics for Display Advertisers and Google Display Network (DoubleClick). Google Analytics collects anonymous data about your interaction with our website via the DoubleClick cookie and through the standard Google Analytics implementation. Anonymous data may be used for purposes including delivering to you banner advertisements and other advertising tailored to your interests when you visit certain websites and selecting offers and products to display to you when you visit our website.

3. How We Use the Information We Collect

Ready Coins uses the information we collect about and from you for a variety of business purposes, including for example, to: respond to your questions and requests; provide you with access to certain areas and features of the Sites; verify your identity; communicate with you about your account and activities on the Sites and, in our discretion, changes to any Ready Coins policy; tailor content, advertisements, and offers we serve you; improve the Sites and for internal business purposes; process applications and transactions; and for purposes disclosed at the time you provide your Personal Information or otherwise with your consent.

4. Sharing of Information

Except as provided in this Privacy Policy, we will not provide any of your Personal Information to any third parties without your specific consent. We may share non-Personal Information, such as aggregate user statistics, demographic information, and Usage Information with third parties. We may also share your information as disclosed at the time you provide your information, as set forth in this Privacy Policy and in the following circumstances:

1. Third Parties Providing Services On Our Behalf

In order to carry out your requests, to make various features, services and materials available to you through the Sites, and to respond to your inquiries, we may share your Personal Information, or Usage Information with third parties that perform functions on our behalf (or on behalf of our partners), such as companies or individuals that: host or operate our Sites; analyze data; provide customer service; advertisers; sponsors or other third parties that participate in or administer our promotions or provide marketing or promotional assistance (such as in connection with winner selection, prize fulfillment, and as required by law, such as on a winners list).

1. Your Agreement To Have Your Personal Information Shared

While on our Sites, you may have the opportunity to opt-in to receive information and/or marketing offers from someone else or to otherwise consent to the sharing of your information with a third party. If you agree to have your Personal Information shared, your Personal Information will be disclosed to the third party and the Personal Information you disclose will be subject to the privacy policy and business practices of that third party.

1. Business Transfers

Your Personal Information may also be used by us or shared with our subsidiaries, affiliates and other entities in the family of companies controlled by Ready Coins. for internal reasons, primarily for business and operational purposes. As we continue to develop our business, we may sell or purchase assets. If another entity acquires us or all or substantially all of our assets, or assets related to the Sites, Personal Information, Usage Information, and any other information that we have collected about the users of the Sites may be disclosed to such entity as part of the due diligence process and will be transferred to such entity as one of the transferred assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered an asset of ours and as such may be sold or transferred to third parties.

1. Legal Disclosure

Ready Coins may transfer and disclose information, including your Personal Information, Usage Information and Device Identifier (including IP address), to third parties to comply with a legal obligation; when we believe in good faith that the law requires it; at the request of governmental authorities conducting an investigation; to verify or enforce our User Agreement or other applicable policies; to respond to an emergency; or otherwise to protect the rights, property, safety, or security of third parties, visitors to our Sites or the public.

5. Information We Receive from Third Parties

Ready Coins may receive information about you from third parties. For example, if you are on another web site and you opt-in to receive information from Ready Coins, that web site will forward to us your e-mail address and other information about you so that we may contact you as requested. You may also choose to participate in a third party application or feature (such as one of our Facebook or Twitter applications or a similar application or feature on a third party web site) through which you allow us to collect (or the third party to share) information about you, including Personal Information. In addition, we may receive information about you if other users of a third party web site give us access to their profiles and you are one of their “connections” or information about you is otherwise accessible through your “connections” web page, profile page, or similar page on a social networking or other third party web site or interactive service.
o We may also supplement the information we collect about you through the Sites with outside records from third parties in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to purchase products or services that we believe may be of interest to you. We may combine the information we receive from these third parties with information we collect through the Sites. In those cases, we will apply this Privacy Policy to any Personal Information received, unless we have disclosed otherwise.

6. Your Choice and Access
7. Opting Out

You may always direct us not to share your Personal Information with third parties, not to use your Personal Information to provide you with information or offers, or not to send you newsletters, e-mails or other communications by: (i) sending us an e-mail at remove@ReadyCoins.com with the word “Remove” as the subject header; (ii) calling us at (000) 00-0000; or (iii) following the removal instructions in the communication that you receive. Your opt-out request will be processed within 30 days of the date on which we receive it.

• You can opt out of attribution modeling by clicking here.
• You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Preferences Manager.
• You can find out more about how Google uses cookies in advertising and opt-out via the following links: Google Display Network (DoubleClick) & Google Analytics Opt-out Browser Add-on
• If you wish to verify, correct, or update any of your personal information collected through the Sites, you may edit your profile preferences or contact us at the above address or e-mail. In accordance with our routine record keeping, we may delete certain records that contain Personal Information you have submitted through the Sites. We are under no obligation to store such
• Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data because of backups and other reasons.

1. Do Not Track Signals

California law requires us to let you know how we respond to web browser Do Not Track (DNT) signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time. We await the result of work by the privacy community and industry to determine when such a response is appropriate and what form it should take.

7. Advertising/Behavioral Targeting; How to Opt-Out

Ready Coins licenses technology to serve advertisements on its own Sites and within its content as that content is served across the Internet. In addition, Ready Coins may use third party network advertisers to serve advertisements and third party analytics vendors to evaluate and provide us with information about the use of the Sites and viewing of our content. We do not share Personal Information with these third parties, but ad network providers, the advertisers, the sponsors, and/or analytics service providers may set and access their own cookies, pixel tags and similar technologies on your Device and they may otherwise collect or have access to information about you, including Usage Information. We and our network advertisers may target advertisements for products and services in which you might be interested based on your visits to both the Sites and other web sites. We may use a variety of companies to serve advertisements.

Please note that even if you choose to remove your information (opt out), you will still see advertisements while you are browsing online. However the advertisements you see may be less relevant to you and your interests. Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.

8. Children

The Sites are not directed to children under 18. We do not knowingly collect personally identifiable information from anyone under 18 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 18, we will make reasonable efforts to delete such information from our records.

9. Security of Your Information

We use certain reasonable security measures to help protect your Personal Information. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Sites and provide us with your information at your own risk.

10. Other Sites

The Sites may contain links to other sites that we do not own or operate. This includes links from advertisers, sponsors and partners that may use our logo(s) as part of a co-branding agreement. We do not control, recommend or endorse and are not responsible for these sites or their content, products, services or privacy policies or practices. These other web sites may send their own cookies to your Device, they may independently collect data or solicit Personal Information and may or may not have their own published privacy policies. You should also independently assess the authenticity of any site which appears or claims that it is one of our Sites (including those linked to through an email or social networking page).

11. Consent to Processing and Transfer of Information

The Sites are operated in the United States. Given that we are an international business, our use of your information necessarily involves the transmission of data on an international basis. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that information we collect may be transferred to and processed in the United States. By using the Sites, or providing us with any information, you consent to the collection, processing, maintenance and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen.

12. Changes

Please note, we may change information on the Sites and/or this Privacy Policy, at any time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Sites. However, Ready Coins will use your Personal Information in a manner consistent with the Privacy Policy in effect at the time you submitted the information, unless you consent to the new or revised policy.

12. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at the address provided in Section 11H of the User Agreement.