TERMS & CONDITIONS

By accessing and using our Website and/or purchasing from NATIONWIDE COIN AND BULLION RESERVE, INC. (“NCBR”) you agree to each of the Terms and Conditions (“TAC”) set forth herein and expressly disclaim any reliance on representations made by NCBR during said transaction.

FACTS, RISKS AND POLICIES THAT COLLECTORS AND PURCHASERS SHOULD KNOW:

DIVERSIFICATION.
NCBR recommends that coins, rare currency and bullion should only be part of a diversified portfolio.

HOLDING PERIOD.

If you are purchasing coins, rare currency or bullion for investment purposes, they should be considered a long-term investment. NCBR believes that rare coins and currency should be held for at least 3-5 years and, preferably, 5-10 years to maximize your potential for gains. Any specific holding period may be affected by current market conditions which may require a longer or shorter holding period.

LIQUIDATION/BUY-BACK POLICY.

When you decide to sell your coins or currency, NCBR appreciates the opportunity to purchase them at our current bid/buy price. NCBR is familiar with the quality and marketability of the items sold by NCBR, and does not charge any additional fees or commissions when making such purchases. Depending upon market conditions and your original purchase price, you may receive less than what you paid for the coins and currency.

The law prohibits guaranteeing to repurchase coins. Therefore, NCBR’s buy-back policy is not a guarantee and is subject to change without notice.

DELIVERY.
All packages shipped to NCBR’s clients are insured. Your acquisitions will be delivered within twenty eight (28) days of payment of good funds (unless your State requires a different delivery period). If a shipment is lost or damaged, at NCBR’s option, NCBR will either replace the items or refund your purchase price.

Please inspect the shipment thoroughly upon receipt to ensure you have received your order and that the items track the description on your delivery invoice. Any variance from your order must be reported within five (5) days of receipt of your shipment and you must have all original packing materials intact.

RISK.
All investments involve risk. Coins, currency and bullion are no exception. The precious metals, rare coin and rare currency markets are speculative, unregulated and volatile. Prices for these items may rise or fall over time. The value of a bullion coin is largely determined by the current spot or market price of bullion. This price fluctuates throughout the trading day. NCBR does not guarantee any client buying for investment purposes will be able to sell for a profit in the future. Bullion, rare coins and currency can go down as well as up in value. These items may not be suitable for everyone. NCBR does not determine the suitability of any specific person to purchase rare coins or currency or bullion.

The value of a numismatic or rare coin is determined by multiple factors which can and do fluctuate independently from bullion prices. These factors include: the perceived scarcity of the coin, its quality, current demand, market sentiment and economic factors.

You should consult with your independent financial advisor regarding whether an investment in rare coins or currency or bullion is right for you. You should not acquire any products from NCBR if you are not competent or qualified to make your own financial decisions. You should obtain a thorough understanding of the coin and bullion items before you acquire these items as a collector or investor. You should evaluate its current market value, potential for appreciation and liquidity. Since rare coins, currency and bullion can decline in value, you should have adequate cash reserves and disposable income before you consider acquiring coin, currency or precious metals. Early withdrawal from accounts or securities which may result in substantial penalties or fees is not recommended. You should consult with your independent financial advisor before disposing of any security, annuity, Certificate of Deposit or other investment to acquire rare coins, currency or bullion.

The prices charged by NCBR are subject to change based on market conditions. Prices are set internally based upon analysis of a variety of factors and are not necessarily tied to the prices quoted by any other organization. The price differential or “spread” between NCBR’s selling price (the “ask” price) and the buy-back price (the “bid” price) is often referred to as a “transaction cost.” The profit before operating expenses may be more or less than the spread based on various factors including, but not limited to: quantity purchasing, favorable or unfavorable purchases and positive and negative market conditions. NCBR acts as a principal, not as a broker, and generally owns the coins and precious metals it buys and sells.

NCBR does not recommend exchanging rare coins and/or currency (trading one coin or currency for another) unless you fully understand the costs involved in the buy and the sell transactions including, among other things, the spread for each item involved in any exchange transaction, since you must overcome both spreads before you make a profit.

RETURN POLICY.

For your protection and convenience, NCBR provides clients with the right to a refund on their first transaction for coins and currency without any reason whatsoever (this refund policy does not apply to bullion purchases.) To receive a refund, the client must notify NCBR of his or her cancellation of their first transaction within ten (10) calendar days from the date the written trade confirmation is mailed to the customer (based upon the postmark) or delivered to a third-party carrier such as Federal Express. Notice must be in writing via US Postal Service, facsimile or email and sent no later than the last day of the refund period as determined by the postmark if mailed, date of fax transmission if faxed, or date of email as set forth in the email header. All other transactions are final upon taped confirmation by a NCBR representative and are not subject to cancellation. (Your State may have additional refund and cancellation rules which supersede NCBR’s refund policy, above; please consult the terms and conditions set forth on the back of your invoice for specific rules which may apply to your purchase.)

ACCOUNT MANAGERS.

The Account Managers at NCBR are generally commissioned salespersons. Their commissions are usually greatest on rare coins and semi-numismatic coins and least on bullion related items. Their work experience, knowledge, background and training vary widely. They and/or NCBR may receive, from time to time, undisclosed compensation for recommending specific coin or currency items (including but not limited to contests, cooperative advertising, and trading profits in coins that they may own and/or sell). NCBR’s personnel are not licensed as investment advisors and are not authorized to recommend the purchase or sale of any product as an investment or sell any other product other than the items specifically sold by NCBR. Check with a licensed professional with expertise in a particular market before making a decision to buy or sell any security, bond, annuity or financial instrument. Further, NCBR’s personnel are not tax advisors and may not provide any advice regarding taxability, tax rates or related issues for any product NCBR sells. You should consult with your tax advisor regarding any questions about the tax implications of buying or selling bullion, rare coins or currency.

GRADING.
NCBR uses the numerical Sheldon Scale grading system which rates uncirculated rare currency and uncirculated coins from 1 to 70. Typically, the higher the grade, the more a coin or currency is priced. The grade assigned to a coin reflects its strike, luster, marks, scratches and overall eye appeal. Grading is a subjective art and subject to the opinion of the person grading the coin or currency. Thus, grading can and does vary from rare coin firm to rare coin firm, from grading service to grading service and from expert to expert. A difference of one grade (e.g., MS64 to MS65) can result in a significant change in the valuation of a rare coin or currency. Grading standards may continue to change, becoming more or less stringent. Grades and descriptions of rare coins and currency are opinions based on standards and interpretations that can and do change over time, not statements of fact or guarantees.

When you acquire a coin or currency from NCBR that is independently graded by a third party grading service, such as Professional Coin Grading Service (PCGS) or Numismatic Guaranty Corporation (NGC) for coins and Currency Grading & Certification Incorporated (CGC), Paper Money Guaranty (PMG) or PCGS Currency for rare currency, please note that NCBR relies entirely on the expertise/determination of the grading service and upon definitions provided by these independent grading services, including definitions of such terms as PCGS’ “First Strike®” which refers to coins packaged and delivered by the US Mint in the thirty (30) day period following the initial sales date of a new product. NCBR does not re-grade or independently evaluate the product’s grade in its sealed holder, although from time to time NCBR does remove items from their sealed holder and re-submits them to the grading services. NCBR reserves the right to deliver independently graded coins that have been graded by an independent grading service of its choice, such as PCGS or NGC. NCBR guarantees that the rare coins and other items it sells are genuine. NCBR EXPRESSLY DISCLAIMS ANY OTHER WARRANTIES OR REPRESENTATIONS WITH RESPECT TO COINS OR OTHER ITEMS, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

FOR YOUR PROTECTION.

Telephone calls may be monitored and/or recorded in an effort to assure quality control and policy compliance.

Your privacy is important to NCBR.  If at any time you no longer wish to be contacted by a NCBR representative, please call or write and ask to be placed on NCBR’s Do Not Call list.

DISCLAIMER OF WARRANTIES.

NCBR MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE WEBSITE OR ITS CONTENT. NCBR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH REGARD TO THE WEBSITE, ITS CONTENT, AND ANY ITEM FURNISHED OR TO BE FURNISHED BY NCBR. NATIONWIDE COIN AND BULLION RESERVE, INC. DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE WILL BE CORRECTED. NATIONWIDE COIN AND BULLION RESERVE, INC. DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF ITS CONTENT, OR THAT ANY ERRORS IN ITS CONTENT WILL BE CORRECTED. THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

LIMITATION OF LIABILITY.

IN NO EVENT WILL NCBR BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) THE USE OF OR INABILITY TO USE THE WEBSITE OR ITS CONTENT, (II) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE WEBSITE; (III) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE WEBSITE AND/OR ITS CONTENT, (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (V) ANY OTHER MATTER RELATING TO THE WEBSITE OR ITS CONTENT, EVEN IF NCBR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE WEBSITE, ITS CONTENT, OR WITH THE PROVISIONS OF THIS TAC, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, NATIONWIDE COIN AND BULLION RESERVE, INC.’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

ARBITRATION; FORUM.

ALL CLAIMS AND DISPUTES ARISING UNDER OR RELATING TO THIS AGREEMENT ARE TO BE SETTLED BY BINDING ARBITRATION IN THE STATE OF TEXAS, COUNTY OF HARRIS. THE ARBITRATION SHALL BE CONDUCTED ON A CONFIDENTIAL BASIS PURSUANT TO THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION. ANY DECISION OR AWARD AS A RESULT OF ANY SUCH ARBITRATION PROCEEDING SHALL BE IN WRITING AND SHALL PROVIDE AN EXPLANATION FOR ALL CONCLUSIONS OF LAW AND FACT AND SHALL INCLUDE THE ASSESSMENT OF COSTS, EXPENSES AND REASONABLE ATTORNEYS’ FEES. ANY SUCH ARBITRATION SHALL BE CONDUCTED BY AN ARBITRATOR EXPERIENCED IN PRECIOUS METALS AND SHALL INCLUDE A WRITTEN RECORD OF THE ARBITRATION HEARING. THE PARTIES RESERVE THE RIGHT TO OBJECT TO ANY INDIVIDUAL WHO SHALL BE EMPLOYED BY OR AFFILIATED WITH A COMPETING ORGANIZATION OR ENTITY. AN AWARD OF ARBITRATION MAY BE CONFIRMED IN A COURT OF COMPETENT JURISDICTION.

GENERAL PROVISIONS:

ENTIRE AGREEMENT/NO WAIVER.

These TAC constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by NCBR of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

ENFORCEMENT/ CHOICE OF LAW.

If any part of these TAC is or are determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this TAC, all of which will remain in full force and effect. Any and all disputes relating to this TAC, (including its interpretation, application, validity, performance and breach) in whatever jurisdiction action may be brought, shall be governed by, construed and enforced in accordance with the laws of the State of Texas. The parties herein waive trial by jury and agree to submit to the personal jurisdiction and venue of a court of subject matter jurisdiction located in Houston, Harris County, Texas. In the event that litigation results from or arises out of this Agreement or the performance thereof, the parties agree to reimburse the prevailing party’s reasonable attorney’s fees, court costs, and all other expenses, whether or not taxable by the court as costs, in addition to any other relief to which the prevailing party may be entitled. In such event, no action shall be entertained by said court or any court of competent jurisdiction if filed more than one year subsequent to the date the cause(s) of action actually accrued regardless of whether damages were otherwise as of said time calculable.

PRIVACY POLICY 

INTRODUCTION 

Your privacy is important to us. We want you to be informed about the ways in which we protect, use and share the personal information that we collect from you when you use our website or services. Please read this Privacy Policy (the “Policy”) carefully to understand our policies and practices regarding the information we collect, why we collect it, and how we will treat it. 

This Policy applies to information we collect on the website and associated domains of (the “Website”) and when you otherwise interact with or use our services (the “Services”) online. 

If you do not agree with our policies and practices, you should not access or use the Website or any other part of the Services. By visiting the Website or using the Services, you agree to this Policy and consent to collection and use of your information as described herein. 

PERSONAL INFORMATION WE COLLECT 

Nationwide Coin & Bullion Reserve collects information from you when you visit the Website and when you use or interact with one or more of our Services. You provide some of this information directly, such as when you register on the Website, place an order, enter a contest or sweepstakes, respond to a survey or communication such as e-mail, or participate in another Website feature. We get some of it by collecting data about your interactions, use and experience with our Services and the Website. 

The information we collect can include the following: 

Name and contact information. Your First and last name, email address, postal address, phone number, and other similar contact data. 

Payment information. Data to process payments, such as your credit card number and the security code associated with your credit card or other payment instrument. 

Gift recipient information. We also collect information about gift recipients so that we can full gift purchases you make. The information we collect about gift recipients is not used for marketing purposes. 

Cookies. Like many websites, we use “cookies” to enhance your experience and gather information about visitors and visits to our websites. Please refer to the “Do we use ‘cookies’?” section below for information about cookies and how we use them. 

NOTE: Our Website is not intended for children under 13 years of age. No one under age 13 may provide any [personal] information to [or on] the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not [use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use]. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at info@nationwidecoins.com. 

HOW WE USE PERSONAL INFORMATION 

We may use the information we collect from you when you register, purchase products, enter a contest or promotion, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: To personalize your site experience and to allow us to deliver the type of content and product offerings in which you are most interested. To 

allow us to better service you in responding to your customer service requests. To quickly process your transactions. To administer a contest, promotion, survey or other site feature. If you have opted-in to receive our e-mail newsletter, we may send you periodic e-mails. If you would no longer like to receive promotional e-mail from us, please refer to the “How can you opt-out, remove or modify information you have provided to us?” section below. If you have not opted-in to receive e-mail newsletters, you will not receive these e-mails. Visitors who register or participate in other site features such as marketing programs and ‘members-only’ content will be given a choice whether they would like to be on our e-mail list and receive e-mail communications from us. 

We receive names and mailing addresses from third parties for direct mail marketing purposes. We share personal data with 3rd party marketing partners for the sole use of developing commonly used marketing programs for commercial use only. If you wish to opt out of your data being shared with 3rd parties, please email us at dfogo@nationwidecoins.com. 

HOW AND WHEN WE SHARE PERSONAL INFORMATION 

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice, except as described below. We may provide others who provide us with services we use in operating our website, conducting our business, or servicing you (such entities are “Service Providers”) with your personally identifiable information only as necessary for Service Providers to provide us with such services. Below, we provide links to privacy policies for Service 

Providers for your review to see how such Service Providers have represented to us how Service Providers treat information they have obtained. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. You agree that we may share your personal information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred. 

Non-personally identifiable information, such as aggregate data or other data where your personal information is not included may be provided to other parties for marketing, advertising, or other uses. 

Our current Service Providers’ privacy policies can be viewed here: 

Call Rail (call tracking) – https://www.callrail.com/privacy/ 

SharpSpring (marketing automation) – https://sharpspring.com/legal/privacy/ 

HOW WE SECURE PERSONAL INFORMATION 

We implement a variety of security measures to maintain the safety of your personal information. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confedential. When you place orders or access your personal information, we over the use of a secure server. All sensitive/credit information you supply is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our databases to be only accessed as stated above. 

COOKIES AND SIMILAR TECHNOLOGIES 

Cookies are small text that a website or its service provider places on your device through your Web browser . Cookies enable the website’s or service provider’s systems to recognize you and capture and remember certain information. Some cookies are placed by third parties acting on our behalf or are placed on our Website with our permission as part of letting such third parties recognize you and capture certain information about you that is then utilized to target advertising to you. You can choose to have your device warn you each time a cookie is being sent, or you can choose to turn on all cookies. You do this through your browser (like Internet Explorer, Google Chrome or Safari) settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify your cookies. If you turn cookies on, you won’t have access to many features that make your site experience more efficient and some of our services will not function properly. However, you can still place orders over the telephone by contacting customer service. 

We may from time to time contract with third party vendors to provide ads to our customers on our behalf via the Internet or to send direct mail to customers whom we think may be interested in our products or services. In order to do so, such vendor may collect anonymous information about your visits to our website using a “cookie”. Third-party vendors may then pool the anonymous information that they collect from our website with other sources of information, which may include your name and 

mailing address, for purposes of determining whether you might be interested in receiving direct mail 

(https://nationwidecoins.com) 

To opt-out of receiving our direct mail (or marketing), you may send us an email at dfogo@nationwidecoins.com, call us at 281-977-0472 or contact us at Nationwide Coin & Bullion Reserve, Attn: Donald Fogo – Compliance Director, 2000 S. Dairy Ashford, Suite 170 Houston TX, 77077. 

Pages of our the Website and our e-mails may contain small electronic items known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). 

We use cookies for several purposes, including: 

Maintaining Your Shopping Cart. We use cookies to help us remember and process the items in your shopping cart. 

Storing Your Preferences and Settings. Cookies are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. 

Improving Our Website. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can over better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. 

The particular third parties who provide advertising services to us and can track or collect information from you through the use of cookies on our Website are the following: Google, Facebook and AdRoll. 

Google’s use of data about you is further described here: https://policies.google.com/technologies/partner-sites 

Further information about Facebook’s data use policies can be found here: https://www.facebook.com/full_data_use_policy 

You can elect to opt out of receiving targeted advertising provided through services provided by AdRoll by visiting the NAI website opt-out page here: http://www.networkadvertising.org/choices/ or the DAA opt-out page here: 

http://www.aboutads.info/ and if you are located in Europe, you can visit the EDAA opt-out page here: 

http://youronlinechoices.eu/. 

YOU MAY OPT-OUT, REMOVE OR MODIFY INFORMATION YOU HAVE PROVIDED TO US 

To modify your e-mail subscriptions, please let us know by modifying your preferences in the “My Account” section. Please note that due to email production schedules you may receive any emails already in production. To delete all of your online account information from our database, sign into the “My Account” section of our site and remove your shipping addresses, billing addresses & payment information. Please note that we may maintain information about an individual sales transaction in order to service that transaction and for record keeping. Third party links In an attempt to provide you with increased value, we may include third party links on our site. These linked sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these linked sites (including if a specific link does not work). Changes to our policy If we decide to change our privacy policy, we will post those changes on this page. Policy changes will apply only to information collected after the date of the change. This policy was last modified on June 20, 2018. 

Barchart Disclaimer 

Copyright © 2018. All market data (https://www.barchart.com/solutions/) is provided by Barchart Solutions. 

Futures: at least 10 minute delayed. Information is provided ‘as is’ and solely for informational purposes, not for trading purposes or advice. To see all exchange delays and terms of use, please see disclaimer (https://www.barchart.com /solutions/terms). 

QUESTIONS AND FEEDBACK 

We welcome your questions, comments, and concerns about privacy. Please send us any and all feedback pertaining to privacy, or any other issue. Online Policy Only This online privacy policy applies only to information collected through our website and not to information collected online. 

CHANGES TO THIS POLICY 

We will modify this Policy: 

if we start collecting substantially new types of personal information; 

if we materially change how we handle your data; or 

to comply with material changes in any applicable laws or regulations that come into effect. 

The revised Policy will be posted on the Website and we may notify you of such changes via email in accordance with this Policy. Your continued use of the Website or Services after we make changes to this Policy is deemed to be acceptance of those changes, so please check the Policy periodically for updates.