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Privacy Policy

Effective Date: March 1, 2022

Welcome to the  Privacy Policy (the “Policy”).  For the purposes of this Policy, the terms  (“” “our,” “we” or “us”) refer to Kzoo Precious Metals, Inc. and (except for the purposes of this paragraph and as explicitly referred to elsewhere in the Policy) its parent in relation to the Kzoo Precious Metals business.   “You” or “your” refers to you, as a user of our services, including any use of our websites, whether operated by us or on our behalf (“Services”).  This Policy explains to you our practices regarding your Personal Information, including how we collect, use, and share your Personal Information, and your rights regarding the Personal Information we collect.  By using our Services, you indicate your acceptance of this Policy.

This Policy describes:

  • Personal Information We Collect
  • How We Collect Your Personal Information;
  • How We Use Your Personal Information;
  • How We Share Your Personal Information With Third Parties;
  • How We Protect Your Personal Information
  • Ability to Access, Update and Correct Personal Information
  • California Privacy Rights
  • Changes to the Policy; and
  • Questions About This Policy
  • Glossary

INFORMATION WE COLLECT

Kzoo Precious Metals collects information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, to any individual or a household (“Personal Information”). Kzoo Precious Metals also collects non-Personal Information that cannot be linked or associated with any individual person or household. When non-Personal Information is combined with other information so that it does identify an individual person, we treat that combination as Personal Information. We may collect, use, store and transfer different kinds of Personal Information about you, which we have grouped together as follows:

  • Identifiers such as your first name, last name, alias, username or similar unique personal identifier, account name, online identifier, and/or date of birth.
  • Contact Information such as your billing address, delivery address, email address and telephone numbers.
  • Financial Information such as bank account and routing numbers, credit or debit card information, payment details, or PayPal payment information.
  • Employment Information such as your company name.
  • Profile Data such as user name, password, details about the products you have purchased, payments you have made, and/or other details of products and services you have purchased from us in the past, purchase or product preferences, feedback and survey responses.
  • Technical Information such as internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access our Services.
  • Usage Data includes information about how you use our Services.
  • Marketing and Communications Information such as marketing campaign data, click throughs, your preferences and consent in receiving marketing from us and our third parties, and your communication preferences.

If You Fail To Provide Personal Information. Where we need to collect Personal Information by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.

Information You Provide To A Third Party.  The Services may include links and plug-ins to websites operated by third parties such as Facebook (Third-Party Sites”).  Kzoo Precious Metals does not control any Third-Party Sites and is not responsible for any information they may collect.  The information collection practices of a Third-Party Site are governed by its privacy policy. It is your choice to enter any Third-Party Site.  We recommend that you read its privacy policy if you choose to do so.

Children’s Privacy. The Services are intended for adult use only and is not directed towards children, minors, or anyone under the age of 18. If you are under the age of 13, you are not authorized to provide us with any Personal Information. If the parent or guardian of a child under 13 believes that the child has provided us with any Personal Information, the parent or guardian of that child should contact us at the email address below and to have this Personal Information deleted from our files.

HOW WE COLLECT YOUR PERSONAL INFORMATION

Information You Provide To Us:

Kzoo Precious Metals may collect Personal Information from you that you voluntarily provide to us in various ways, including, but not limited to:

  • Create an account with us
  • Place an order or purchase products from us or otherwise use our Services
  • Submit a Contact Us form
  • Use the chat feature or other interactive tools on our website
  • Call, email, or otherwise communicate with us
  • Otherwise interact with the Services

Information We Collect When You Use Our Services

Automated technologies or interactions. As is true of most websites, we receive and store certain types of Personal Information whenever you interact with us online. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. When you access and use our Services from your mobile devices, we receive data from that mobile device. This may include your device ID, location data, IP address and device type. You may manage how your mobile device and mobile browser share location information with us, as well as how your mobile browser handles cookies and related technologies by adjusting your mobile device privacy and security settings. Please refer to instructions provided by your mobile service provider or the manufacturer of your device to learn how to adjust your settings.

Cookies and Tracking Technologies. Cookies are small files that we or our service provider transfers to your computer’s hard drive through your web browser that enables us or our service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to help us understand how users use the Services. For example, cookies gather information about how long you spend on a web page so that we can understand what web pages are of most interest to users. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off cookies by adjusting your browser settings. Please read our Cookie Policy for more information. If you turn off your cookies, some of the features of the Services may not function properly.

Information We Collect From Third Parties

We collect Personal Information from various third parties, including those listed below. The collection, use, and disclosure of Personal Information received from third parties is governed by the privacy policies listed on the website where the information was submitted by the user. Third parties may send their own cookies and pixel tags to you and may collect information and use it in a way inconsistent with this Policy. Please carefully review these third-party privacy policies to understand how your information may be collected, used, and disclosed by these third parties.

Third Party Service Providers. We collect Personal Information from service providers including where we operate accounts on third-party platforms, such as call center and email platforms, and social media platforms.

Third Party Advertising Partners. We collect Personal Information received from third-party advertising partners, including partners who host and manage various online advertisements.

Google Analytics. We use third-party cookies provided by Google Analytics to assist us in better understanding our website visitors. These cookies collect IP address and usage data, such as the length of time a user spends on a page, the pages a user visits, and the websites a user visits before and after visiting our website. Based on this information, Google Analytics compiles data about website traffic and interactions, which we use to offer better user experiences and tools in the future. For more information on Google Analytics, visit https://support.google.com/analytics.

Third Party Cookies.  We may engage third-party service providers, including Google and Facebook, to serve ads to you about our products and services as you browse the Internet. These third-party providers may use their own cookies tags to track your online activities and purchases in order to deliver targeted advertising based on your interests.  

Your ‘Do Not Track’ Browser Setting. Some web browsers incorporate a Do Not Track (“DNT”) feature that signals to the websites that you visit that you do not want to have your online activity tracked. At this time, our website does not respond to DNT signals.  Other third-party websites may keep track of your browsing activities when they provide you with content, which enables them to customize what they present to you on their websites.

HOW WE USE YOUR PERSONAL INFORMATION

We will only use your Personal Information when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you.
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

Purposes For Which We Will Use Your Personal Information

Our primary purpose in collecting Personal Information is to provide you with a safe, smooth, efficient, and customized experience.

We have set out below, in a table format, a description of all the ways we plan to use your Personal Information, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your Personal Information for more than one lawful ground depending on the specific purpose for which we are using your Personal Information. Please contact us if you need details about the specific lawful ground we are relying on to process your Personal Information where more than one ground has been set out in the table below.

Purpose/Activity

Type of personal data

Lawful basis for processing including basis of legitimate interest

Collect and process payments and complete transactions

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Marketing and Communications

Performance of a contract with you

Provide the products, services, and customer support you request

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Marketing and Communications

Performance of a contract with you

Verify your identity and account information in connection with products or services you request

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary to comply with a legal obligation

(c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)

Provide you with recommendations for products and services that we believe would be of interest to you

(a) Identifiers

(b) Contact

(c) Employment

(d) Profile

(e) Usage

(f) Marketing and Communications

(g) Technical

Necessary for our legitimate interests (to develop our products/services and Kzoo Precious Metals )

Provide you with our newsletter if you have subscribed to it

(a) Identifiers

(b) Contact

(c) Employment

(d) Marketing and Communications

Performance of a contract with you

Assist you with setting up and managing your customer account with us

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Profile

(f) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary for our legitimate interests (for running Kzoo Precious Metals, provision of administration and IT services, network security

Resolve disputes

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Technical

(f) Profile

(g) Usage

(h) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary for our legitimate interests (for running Kzoo Precious Metals, provision of administration and IT services, network security

(c) Necessary to comply with a legal obligation

Troubleshoot problems, data analysis, testing, system maintenance, support, reporting and hosting data

(a) Identifiers

(b) Contact

(c) Employment

(d) Technical

(a) Necessary for our legitimate interests (for running Kzoo Precious Metals, provision of administration and IT services, network security, to prevent fraud and in the context of a reorganization or restructuring exercise)

(b) Necessary to comply with a legal obligation

Enforce our Terms and Conditions and the terms of this Policy

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Technical

(f) Profile

(g) Usage

(h) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary for our legitimate interests (for running Kzoo Precious Metals, provision of administration and IT services, network security

(c) Necessary to comply with a legal obligation

Customize, measure and improve our services and content

(a) Identifiers

(b) Contact

(c) Profile

(d) Employment

(e) Usage

(f) Marketing and Communications

(g) Technical

Necessary for our legitimate interests (to study how end users use our products/services, to develop them, to develop Kzoo Precious Metals and to inform our marketing strategy)

Inform you about our products, services, updates and promotional offers

(a) Identifiers

(b) Contact

(c) Profile

(d) Employment

(e) Usage

(f) Marketing and Communications

(g) Technical

Necessary for our legitimate interests (to develop our products/services and Kzoo Precious Metals )

To protect our interests, including establishing, exercising and defending legal rights and claims

(a) Identifiers

(b) Contact

(c) Profile

(d) Employment

(e) Usage

(f) Marketing and Communications

(g) Technical

(h) Marketing and Communications

(a) Necessary for our legitimate interests (for running Kzoo Precious Metals, provision of administration and IT services, network security, to prevent fraud and in the context of a reorganization or restructuring exercise)

(b) Necessary to comply with a legal obligation

As necessary to comply with legal requirements, to prevent fraud, to co-operate with law enforcement and regulatory authorities, and to stop other prohibited, illegal, or harmful activities

(a) Identifiers

(b) Contact

(c) Financial

(d) Employment

(e) Usage

(f) Technical

Necessary to comply with a legal obligation

For purposes disclosed at the time you provide/we request your Personal Information or as otherwise set forth in this Policy

As disclosed at the time your Personal Information is requested

As disclosed at the time your Personal Information is requested

HOW WE SHARE YOUR PERSONAL INFORMATION

We share your Personal Information with third parties only in the ways that are described in this Policy and with our business partners, suppliers and sub-contractors in order to provide you with our Services and perform any contract we enter into with them or you.

Information You Instruct Us to Share.  You may be presented with an option on our Service to have us send certain information to third parties or give them access to it. If you choose to do so, your Personal Information and other information may be disclosed to such third parties and all information you disclose will be subject to the third-party privacy policies and practices of such third parties.

Service Providers.  We may use third-party service providers to perform certain business services and may disclose Personal Information to such service providers as needed for them to perform these business services. Service providers are only allowed to use, disclose, or retain the Personal Information to provide these services and are prohibited from selling Personal Information. Business services provided include, but are not limited to, hosting services, software as a service, document management services, communications services such as email, text, and chat services, software and website development services, collection services, payment processing services, accounting and audit services, compliance services, quality control services, analytics services, call center services, and marketing services.

Internal Third Parties. We may share Personal Information with our parent company, subsidiaries, successors, assigns, licensees, affiliates, or business partners and others, including where disclosure of your Personal Information is needed to protect the employees, independent contractors, officers, directors, members, users, or shareholders of Kzoo Precious Metals who may use the Personal Information for the purposes described above.

Business Transactions. We may do business with third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your Personal Information in the same way as set out in this Policy.

Legal Process. Subject to applicable law, we may disclose information about you (i) if we are required to do so by law, regulation or legal process, such as a subpoena; (ii) in response to requests by government entities, such as law enforcement authorities; (iii) when we believe disclosure is necessary or appropriate to prevent physical, financial or other harm, injury or loss; or (iv) in connection with an investigation of suspected or actual unlawful activity.

Sales of Personal Information.  Like most companies, we allow certain third party advertising partners to place tracking technology such as cookies and pixels on our websites. This technology allows these advertising partners to receive information about your activities on our website, which is then associated with your browser or device. These companies may use this data to serve you more relevant ads as you browse the internet. Under some state laws, sharing data for online advertising may be considered a “sale” of information. Except for this sharing, Kzoo Precious Metals does not sell any of your information. Kzoo Precious Metals has no actual knowledge of any sales of Personal Information of minors under 16 years of age.

COMMUNICATIONS AND OPT OUT

By establishing an account, making a purchase, or registering to receive the Kzoo Precious Metals Newsletter, you consent to receive periodic commercial/promotional email communications from us. You may opt-out of receiving such promotional communications at any time by following the unsubscribe instructions contained in each email, or by contacting our customer service department. This opt-out will not apply to operational or informational emails related to your use of our Services. You may continue to receive promotional email messages for a short period while we process your request.

For individuals in the European Economic Area (“EEA”) or the United Kingdom, please see the Section entitled EEA and United Kingdom Privacy Rights in particular the Marketing paragraph of that Section for information relevant to them.

HOW WE PROTECT YOUR PERSONAL INFORMATION

Kzoo Precious Metals transmits information via industry-standard secure server (SSL) provided by Trustwave. This SSL creates the secure and encrypted https:// website address for our important pages like Checkout and the My Account area. When you see the https:// website address, you know the information you are in-putting is protected and secure. We also comply with payment card industry data security standards that require merchants to implement security measures for credit card information. We never have access to your credit card information, as it is tokenized following PCI-compliant standards.

We have implemented and maintain generally accepted industry standards to protect against the unauthorized access, use, modification, destruction or disclosure of your Personal Information both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure.

ABILITY TO ACCESS, UPDATE AND CORRECT PERSONAL INFORMATION

Kzoo Precious Metals wants your Personal Information to be complete and accurate. By using the Services, you represent and warrant that all information you provide on any registration form or otherwise in connection with your use of the Services will be complete and accurate, and that you will update that information as necessary to maintain its completeness and accuracy. To confirm the completeness and accuracy of, or make changes to, your Personal Information, please contact us at info@kzoobullion.com.

CALIFORNIA PRIVACY RIGHTS

California Consumer Privacy Act. The California Consumer Privacy Act of 2018 (“CCPA”) provides California residents with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.

Upon verification of your identity you may:

  • No more than twice in any 12-month period, request disclosure of the following information:
    • Categories of Personal Information we collect.
    • Categories of sources from which Personal Information is collected.
    • Categories of Personal Information sold or disclosed to third parties.
    • Categories of third parties with whom such Personal Information is sold or disclosed.
    • Business or commercial purpose for collecting or selling Personal Information.
    • Specific pieces of Personal Information we collect.
  • Request deletion of your Personal Information, subject to the exceptions provided by law.
  • Opt-out from having your Personal Information sold to third parties, if applicable.

Requests can be submitted by calling our toll free number 989-423-1018 or emailing us at info@kzoobullion.com. You can opt out of having your Personal Information sole to third parties by clicking on the “Do Not Sell My Info” link on our website.

Please note that these rights apply only to select California consumers and exclude job applicants, employees, and business contacts. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. Except where you have provided an agent with a Power of Attorney pursuant to Sections 4000 – 4465 of the California Probate Code, when using an authorized agent you must: (1) provide the agent with signed permission clearly describing their authority to make a request on your behalf; (ii) verify your own identity; and (iii) directly confirm that you have provided the authorized agent permission to submit the request. That agent must also be able to verify their identity with us and provide us with their authority to act on your behalf.

The verifiable consumer request initiated by you or your authorized agent must:

  • Include your full legal name, email, and phone number, which we will need to contact you in order to verify that you are the person about whom we collected Personal Information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you.  Making a verifiable consumer request does not require you to create an account with us.  One of our representatives will contact you in order to verify your identity. Depending on the nature of the request, we may require additional verification actions be taken, including but not limited to providing a signed declaration under penalty of perjury that you are the consumer whose Personal Data is the subject of the request. We will only use this information to verify the requestor’s identity or authority to make the request.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  • Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 ).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.

The CCPA provides the right to be free from discrimination if you choose to exercise your rights under the statute, and we will not discriminate by:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Other California Privacy Rights.  California residents have the right to receive information that identifies any third party companies or individuals that Kzoo Precious Metals has shared your Personal Information within the previous calendar year, as well as a description of the categories of Personal Information disclosed to that third party. You may obtain this information once a year and free of charge by contacting us at the address below.

EEA AND UNITED KINGDOM PRIVACY RIGHTS

This Section is relevant to you if you are located in the EEA or in the United Kingdom. In so far as this Section is inconsistent with or conflicts with any other part of this Policy the terms of this Section will apply if you are located in the EEA or in the United Kingdom. This Section does not apply if you are not located in the EEA or in the United Kingdom.

Marketing. We strive to provide you with choices regarding certain Personal Information uses, particularly around marketing and advertising.

Promotional offers from us. We may use your Identifiers, Employment and Contact Information and, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

We may use your Identifiers, Employment and Contact Information and, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

Third-party marketing. We will get your express opt-in consent before we share your Personal Information with any third party for marketing purposes.

Opting out. You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us at any time.

Where you opt out of receiving marketing messages, this will not apply to emails of a non-promotional nature and which relate to a product/service subscribed for, product/service experience or other transactions.

Change of Purpose

We will only use your Personal Information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your Personal Information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your Personal Information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

How Long Will You Use My Personal Data For?

We will only retain your Personal Information for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your Personal Information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for Personal Information, we consider the amount, nature and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of your Personal Information, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

CHANGES TO PRIVACY THE POLICY

Kzoo Precious Metals may update this Policy at any time by posting additions or modifications on the Kzoo Precious Metals website. In the event Kzoo Precious Metals changes, modifies, amends, or replaces this privacy policy, the effective date, located above, will change. Where changes to this Privacy will have a fundamental impact on the nature of how we collect, use, or share your data, we will give advance notice of such changes.

QUESTIONS ABOUT THIS POLICY

You may contact Kzoo Precious Metals directly if you have any questions about our Policy. Please contact our Compliance Officer at PO Box 1305 Midland, MI 48641 or e-mail info@kzoobullion.com.

GLOSSARY

Controller means the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of Personal Information.

External Third Parties

  • Service providers acting as processors who provide website hosting, website testing, IT and system administration services.
  • Professional advisers acting as processors or joint controllers.
  • Regulators and other authorities acting as processors or joint controllers who require reporting of processing activities in certain circumstances.

Lawful Basis

Legitimate interest which means the interest of the foundations in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your Personal Information for our legitimate interests. We do not use your Personal Information for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.

Performance of contract which means processing your Personal Information where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.

To comply with a legal obligation which means processing your Personal Information where it is necessary for compliance with a legal obligation that we are subject to.

Processing means any operation or set of operations which is performed on Personal Information or on sets of Personal Information, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

Processor means a natural or legal person, public authority, agency or other body which processes Personal Information on behalf of the controller.

 

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