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NEWS & FEATURED ARTICLES
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© 2008-2025 First Fidelity Reserve. All rights reserved
Texas Telemarketing Registered #2010-0011 • Texas Registered Precious Metal Dealer #0101312 • Beaumont Registered Precious Metal Dealer #2012-03
DISCLOSURE, RETURN POLICY, TRANSACTION AGREEMENT AND TERMS & CONDITIONS
IMPORTANT NEW CUSTOMER DISCLOSURES AND AGREEMENT TO ARBITRATE
(1) All statements, opinions, pricing, and ideas herein are believed to be reliable, truthful and accurate to the best of First Fidelity Reserve's knowledge at this time. They are not guaranteed in any way by anybody and are subject to change over time. First Fidelity Reserve disclaims and is not liable for any claims or losses, which may be incurred by third parties while relying on information published herein. Individuals should not look at this publication as giving finance or investment advice or information for their individual suitability.
(2) All readers of Coin Market Advisory are advised to independently verify all representations made herein or by its representatives for your individual suitability before making your investment or collecting decisions.
(3) Coin collecting and investing are only meant for those who are personally and financially suited. First Fidelity Reserve does not recommend financing any purchase or spending more than you can afford to lose if your investment goes down in value. First Fidelity Reserve does not recommend customers pay a penalty for early withdrawal from any investment to purchase coins. Numismatic purchases are affected, in part, by economic and market conditions. While First Fidelity Reserve's competitive pricing, margins and market strategy approach the market with specific attention to the areas we recommend, we impress upon the customer to perform his or her own due diligence in deciding on the amount and type of their numismatic position and independently verify all representations.
(4) As with all investments, the value of the coins could go up or down. First Fidelity Reserve and its representatives do not offer any implied or assumed promises.
(5) First Fidelity Reserve considers coin collecting and investment to be a mid to long-term investment. As with all investments, past performance is not a guarantee of future returns. Further, you understand the coin market is speculative and unregulated and you could lose money if you have to sell these coins in the short run, say a year or two. First Fidelity Reserve recommends a hold time of five to ten years or more. While offering no guarantee of growth in any time frame, First Fidelity Reserve wants the customer to understand that holding numismatic coins shorter than the recommended hold time could result in losses, while longer holding periods, such as 5-10 years or more increase the chances a coin's value can rise. First Fidelity Reserve strongly encourages you to view informational videos at FirstFidelityReserve.com including "Choosing the Right Dealer and Understanding Coin Pricing."
(6) Our 100% Satisfaction Guarantee is: If you are not 100% satisfied with your purchase, you may return it in its original packaging within thirty (30) days of receipt for a full refund except on special orders or bullion orders. Specific exceptions to the thirty (30) day return privilege must be approved by management in writing.
(7) Other returns of numismatic items outside the thirty (30) day return privilege may be subject to a restocking fee of up to 20% or repurchase at First Fidelity Reserve's buy price at the time of return.
(8) Our policy is that payments for refunds on coins received and confirmed for liquidation will be processed in 10-15 business days unless specified otherwise by management in writing.
(9) Although many areas of numismatics lend themselves to third party grading and authentication, third party certification does not eliminate all risks associated with the grading of coins.
(10) Arbitration: First Fidelity Reserve strives to resolve customer complaint issues directly with customers in an expeditious manner. In the event an amicable resolution cannot be reached, you and First Fidelity Reserve agree to accept binding arbitration. Any controversy or claim arising out of or relating to transactions between you and First Fidelity Reserve shall be resolved by binding arbitration pursuant to the Federal Arbitration Act and administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules in Jefferson County, Texas and judgment on the award rendered by the Arbitrator may be entered in any court having jurisdiction thereof. It is understood you and First Fidelity Reserve waive any right to a jury trial. YOU AND FIRST FIDELITY RESERVE agree THAT ALL CLAIMS SHALL be brought in the party's individual capacity and not as a class member in any purported class or representative proceeding.
(11) In order to stay abreast of changing market conditions, YOU AUTHORIZE First Fidelity Reserve TO contact you from time to time by phone or TEXT regarding items of interest.
(12) All phone conversations between you and First Fidelity Reserve are recorded.
(13) All transactions and communication between First Fidelity Reserve, its employees, and you are only conducted through First Fidelity Reserve business address and business telephone numbers.
(14) You understand it is your responsibility to contact the First Fidelity Reserve 100% Customer Service Standard Hotline between 8:30 A.M. & 5:00 P.M. CST Monday through Friday and speak with a manager regarding any issues or complaints that you may have. The toll free 100% Customer Service Standard Hotline is 877-877-2256.
(15) Some experts recommend that in typical times, a diversified investor's portfolio contain a rare coin and precious metals component of 5% minimum to 25% maximum. Customers should not look at our written materials or our recommendations as giving personalized legal or investment advice.
(16) You understand pricing of coins may vary based upon quantity and quality of coins purchased, type of coins purchased and other factors. You understand payment terms may vary based upon dollar amount of transaction, type of coin purchased, advertised offers and other factors. You understand all advertised offers are subject to inventory limitations of advertised product. You understand delivery time may vary based upon payment methods used.
(17) Coin values are constantly changing and estimated verbal indications of value may vary due to multiple factors. The company cannot be responsible for any indications used for valuation and purchasing of customer coins unless its offer is in writing and confirmed according to the company's policies and procedures.
(18) You understand and acknowledge all transactions between you and First Fidelity Reserve are processed in Jefferson County, Texas.
(19) Reproduction or quotation of this newsletter is prohibited without written permission of First Fidelity Reserve. Coin Market Advisory is published by First Fidelity Reserve®, 130 Shakespeare, Beaumont, Texas 77706.
(20) If any of the terms and conditions in this disclosure are unacceptable to you, please utilize our return Privilege.
(Rev. 1.5.15)
COIN TRANSACTION AND WEBSITE USER AGREEMENT
1. By electing to utilize the services provided by First Fidelity Reserve
(“First Fidelity”) including making purchases from First
Fidelity or making sales to or trades with First Fidelity, you are
agreeing to the following terms. These terms apply to all orders, all
purchases, sales and trades made by telephone, through the website
or otherwise.
2. Before you may place an order to purchase, sell or trade coins with
First Fidelity through an online transaction, you must read and accept
all of the terms included in this Agreement. If you have placed an
order to purchase, sell or trade coins with First Fidelity via telephone
and the terms of this Agreement are unacceptable to you, please utilize
the return privilege referenced in Paragraph 4. Otherwise, you acknowledge
acceptance of all terms of this Agreement.
3. You represent and warrant to First Fidelity that you have sufficient
experience and knowledge to make informed decisions to purchase from
and/or sell and/or trade coins to First Fidelity. You acknowledge you
are making your own decision to purchase coins from First Fidelity
or sell or trade coins to First Fidelity. You further acknowledge First
Fidelity is not making any recommendations with respect to your online
transactions. Additionally, you acknowledge all statements, opinions,
and pricing relayed to you by First Fidelity representatives are believed
to be reliable, truthful and accurate, but they are not guaranteed
in any way and are subject to change without notice. You acknowledge
that First Fidelity advises, and you have had the opportunity to perform
your own due diligence in deciding the amount and type of your coin
transaction and numismatic position. You understand and acknowledge
that past performance is not a guarantee of future returns. You acknowledge
that First Fidelity advises, and you have had the opportunity to independently
verify all representations made via the First Fidelity website, via
email, via First Fidelity publications or from First Fidelity representatives.
You acknowledge First Fidelity is not liable for any claims or losses
which might be incurred while relying on information published by First
Fidelity.
4. You acknowledge that you are subject to a variety of risks which
are beyond the control of First Fidelity, and you expressly acknowledge
First Fidelity is not liable or responsible for those risks, which
include, but are not limited to price volatility. You understand and
acknowledge as with all investments, the value of coins could go up
or down. You understand and acknowledge the coin market is speculative
and unregulated and you could lose money if you sell your coins in
the short term. You understand and acknowledge First Fidelity considers
coin collecting and investment to be a mid to long term investment.
You understand and acknowledge coin values are affected in part by
economic and market conditions and you are willing to assume the risk
associated with your coin transactions. You understand and acknowledge
First Fidelity does not offer any express, assumed or implied promises
regarding future performance, profit or growth of your coin purchase
collection or investment. You understand and acknowledge First Fidelity
recommends a hold time for coin purchases of five to ten years or more.
You acknowledge First Fidelity does not guarantee a profit or growth
in any time frame. You acknowledge and understand third party grading
and authentication of numismatics does not eliminate all risks associated
with the grading of coins.
You understand if you are not 100% satisfied with your purchase, you
may return it in its original packaging within thirty (30) days of
receipt for a full refund except on special orders or bullion orders.
You understand returns of numismatic items outside of the thirty (30)
day return privilege may be subject to a restocking fee of up to 20%
or repurchase at First Fidelity’s buy price at the time of return.
You understand and accept First Fidelity’s policy that payments
for refunds on coins received and confirmed for liquidation will be
processed in 10-15 business days unless otherwise specified by management
in writing.
5. You acknowledge and understand some experts in typical times recommend
a diversified investor’s portfolio contain a rare coin and precious
metals component of 5% minimum to a maximum of 25%. You shall independently
determine what percentage is appropriate for you and your personal
circumstances.
6. Although First Fidelity takes great care to provide accurate product
and pricing information, pricing or typographical errors may occur.
In the event an item is listed with incorrect information or an incorrect
price due to an error in information or pricing, First Fidelity reserves
the right at their sole discretion to refuse or cancel any order placed
for that item. If an item is incorrectly priced, First Fidelity will
contact you for instructions or cancel your order and notify you of
such cancellation. Prices and availability of products are subject
to change without notice.
7. You accept and acknowledge First Fidelity’s Privacy Policy.
8. You acknowledge that you are personally and financially suited for
coin collecting and investing. You understand and acknowledge First
Fidelity does not recommend financing any coin purchase or spending
more than you can afford to lose if your investment declines in value.
You expressly acknowledge any decision by you to finance coin purchases
or spend more than you can afford to lose is solely your decision despite
First Fidelity recommendations to the contrary. You acknowledge and
agree that no warranties or guarantees have been made to you regarding
the coins purchased from First Fidelity.
9. You acknowledge and understand First Fidelity does not recommend
you pay a penalty for early withdrawal from any investment to purchase
coins. You expressly acknowledge any decision by you to withdraw money
from an investment and pay an early withdrawal penalty is solely your
decision despite First Fidelity recommendations to the contrary.
10. You acknowledge and understand First Fidelity has the right to
refuse an order when the confirmed price is incorrect, due to computer
related problems, pricing error, incorrect item descriptions or sudden
movements in the precious metal market. Furthermore, First Fidelity
reserves the right to refuse or cancel any order deemed questionable,
suspicious, or of significant risk to First Fidelity regardless of
payment method and price confirmation.
11. You accept and acknowledge First Fidelity’s Terms and Conditions for
customers and website visitors.
12. THE FORMATION OF THIS AGREEMENT CONSTITUTES THE MAKING OF THIS
CONTRACT IN JEFFERSON COUNTY, TEXAS. REGARDLESS OF THE MANNER, TIMING
OR LOCATION OF DELIVERY OR RECEIPT OF ACCEPTANCE OF THIS AGREEMENT,
THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE STATE OF TEXAS.
SUBJECT TO THE ARBITRATION AGREEMENT IN PARAGRAPH 13, ANY LEGAL ACTION
OR PROCEEDING BETWEEN YOU AND FIRST FIDELITY OR WITH RESPECT TO THIS
AGREEMENT OR ANY TRANSACTION HEREUNDER SHALL BE BROUGHT EXCLUSIVELY
IN THE COURTS OF THE STATE OF TEXAS LOCATED IN JEFFERSON COUNTY OR
OF THE UNITED STATES OF AMERICA FOR THE EASTERN DISTRICT OF TEXAS.
BY ACCEPTANCE OF THIS AGREEMENT, YOU AND FIRST FIDELITY HEREBY ACCEPT,
GENERALLY AND UNCONDITIONALLY, THE JURISDICTION OF THESE COURTS. YOU
AND FIRST FIDELITY WAIVE ANY OBJECTION, INCLUDING ANY OBJECTION TO
THE VENUE OR BASED ON THE GROUNDS OF FORUM NON CONVENIENS, THAT YOU
OR FIRST FIDELITY MAY NOW OR HEREAFTER HAVE TO ANY SUCH ACTION OR PROCEEDING
IN SUCH JURISDICTIONS.
13. YOU AND FIRST FIDELITY AGREE TO ARBITRATE IN A FINAL BINDING MANNER PURSUANT TO THE FEDERAL ARBITRATION ACT AND ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES IN JEFFERSON COUNTY, TEXAS ALL CONTROVERSIES BETWEEN YOU AND FIRST FIDELITY, ITS OWNERS, REPRESENTATIVES OR AGENTS THAT CANNOT BE AMICABLY RESOLVED BY DIRECT NEGOTIATION OR THROUGH PRE-ARBITRATION MEDIATION, ARISING OUT OF OR RELATING IN ANY WAY TO ANY TRANSACTION WITH FIRST FIDELITY, YOUR ACCOUNT, OR ANY SERVICE PROVIDED BY FIRST FIDELITY TO YOU. JUDGMENT ON THE AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED IN ANY COURT HAVING JURISDICTION THEREOF. YOU AND FIRST FIDELITY UNDERSTAND THAT BOTH PARTIES WAIVE ANY RIGHT TO A JURY TRIAL.
14. IF ANY PARTY UNSUCCESSFULLY RESISTS ARBITRATION UNDER PARAGRAPH
13 OR THE CONFIRMATION OR ENFORCEMENT OF AN ARBITRATION AWARD RENDERED
PURSUANT TO THIS AGREEMENT, THEN ALL COSTS, ATTORNEYS’ FEES AND
EXPENSES INCURRED BY THE OTHER PARTY OR PARTIES IN COMPELLING ARBITRATION
OR CONFIRMING OR ENTERING THE AWARD SHALL BE FULLY ASSESSED AGAINST
AND PAID BY THE RESISTING PARTY.
15. YOU ACKNOWLEDGE AND AGREE THAT REGARDLESS OF ANY STATUTE OR LAW
TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION YOU MAY HAVE ARISING
OUT OF, RELATING TO, OR CONNECTED TO COIN PURCHASES, COIN SALES OR
ANY OTHER TRANSACTIONS BETWEEN YOU AND FIRST FIDELITY MUST BE FILED
WITHIN ONE CALENDAR YEAR AFTER SUCH TRANSACTION OR FOREVER BE BARRED.
NOTWITHSTANDING THE IMMEDIATELY PRECEDING SENTENCE, IF THE LAW OF THE
APPLICABLE JURISDICTION HAS A “DISCOVERY RULE” WHEREBY
ACCRUAL OF SUCH CLAIM IS DEFERRED WHICH IS APPLICABLE TO ONE OR MORE
CLAIMS, THEN THE ONE YEAR LIMITATION PERIOD SPECIFIED HEREIN SHALL
BEGIN RUNNING FROM THE DATE OF ACCRUAL FOR SUCH CLAIM OR CLAIMS AS
DETERMINED BY THE LAW OF THE APPLICABLE JURISDICTION, IT SHALL REMAIN
FULLY ENFORCEABLE AS TO ALL OTHER CLAIMS.
16. YOU ACKNOWLEDGE, UNDERSTAND AND ACCEPT THAT FIRST FIDELITY’S
LIABILITY IN ALL CLAIMS WHETHER THEY SOUND IN TORT, CONTRACT, WARRANTY
OR OTHERWISE, SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR
THE COINS IN DISPUTE LESS THE COINS’ FAIR MARKET VALUE AS OF
THE DATE ANY ARBITRATION PROCEEDING IS COMMENCED. UNDER NO CIRCUMSTANCES
SHALL First Fidelity BE LIABLE TO YOU FOR INDIRECT, INCIDENTIAL, ADDITIONAL,
PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES.
17. YOU AND FIRST FIDELITY AGREE THAT ALL CLAIMS SHALL BE BROUGHT IN
THE PARTY’S INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER IN
ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
18. You acknowledge and confirm you are of legal age and capacity to
enter into this Agreement. If you are acting in a capacity other than
as an individual, you represent that you are fully authorized to act
on the owner’s behalf.
19. You accept and acknowledge First Fidelity’s Disclosures which
are included with each Invoice to you and appear on the website.
20. You understand, acknowledge and accept that there is a price differential
or “spread” between First Fidelity’s selling price
(the “ask price”) and First Fidelity’s buyback price
(the “bid price”) for coins First Fidelity needs. First
Fidelity’s “bid price” is the price it pays to customers
for a coin. First Fidelity’s “ask price” is the price
it charges customers for a coin. The spread is calculated by subtracting
the bid price from the ask price and then dividing the difference by
the ask price. ([Ask – Bid] ÷ Ask). You understand, acknowledge
and accept First Fidelity’s current spread on common bullion
coins typically ranges from 1% to 5%. First Fidelity’s current
spread on the most common date antique coins typically ranges from
10% to 15%. First Fidelity’s current spread on the rarest coins
typically ranges from 33% to 38%.
21. You understand and agree that First Fidelity may, in First Fidelity’s
discretion, but is not obligated to do so, monitor or record your telephone
conversations with First Fidelity for quality control and First Fidelity’s
protection.
22. You understand First Fidelity employees may from time to time discuss
the general direction of various financial markets, but neither First
Fidelity nor its representatives can guarantee or predict any market
movement.
23. You understand First Fidelity does not offer advice on the tax
treatment of purchasing, selling or trading bullion or rare coins.
You understand you must consult with your tax advisor regarding such
matters.
24. When you provide a check as payment, you authorize us to either
use information from your check to make a one-time electronic fund
transfer from your account or to process the payment as a check transaction.
When we use information from your check to make an electronic fund
transfer, funds may be withdrawn from your account as soon as the same
day you make your payment, and you will not receive your check back
from your financial institution.
25. You authorize representatives from First Fidelity to contact you
via phone, text or email to discuss items of interest.
26. Market Loss Policy. When you make a bullion purchase through our
online store, you have entered into a binding contract for the purchase
at the agreed upon price. If you choose to cancel the transaction or
default on payment or if you default on any other act required of you,
you agree that you have full responsibility to First Fidelity for any
Market Loss plus a $30 cancellation fee. You will also be fully responsible
and liable to First Fidelity for any and all fees or costs associated
with collecting from you. Any market gain shall belong to the company.
All pending or future orders shall be held for shipment until all cancellation
fees and Market Loss amounts are fully paid.
27. Payments for transactions are due no later than three (5) business
days from the date the order is placed online. (Ex. 1, order Placed
on Monday, payment is due no later than the following Monday; Ex. 2,
order placed on Friday, payment is due no later than the following
Friday.)
28. When you choose to pay for an online purchase by using a personal
check, we require a credit card on file to enforce our Market Loss
Policy, cancellation fee and to verify your identity.
29. Bullion and Special Order Cancellation Policy. The 30 day refund
policy does not apply to bullion or special orders. On bullion or special
orders, all prices are locked in at the time of purchase on the online
store and upon receipt of good funds for phone orders. If you choose
to cancel a purchase of bullion or special order products, you must
do so by contacting us via phone at (800) 336-1630 during regular business hours. Cancellation
of an order cannot be accomplished without speaking to a manager. You
may not cancel an order by leaving a message with the answering service
or voicemail. All cancelled bullion or special order transactions are
subject to our Market Loss Policy plus a $30 cancellation fee. When
you speak to the manager regarding the cancellation, any market loss
will be calculated and added to the $30 cancellation fee. The cancellation
fee and any market loss will be charged to your credit card. Any market
gain on cancelled orders shall belong to the company.
30. When you choose to pay for an online purchase by using wire transfer,
we require a credit card on file to enforce our Market Loss Policy,
cancellation fee and to verify your identity.
31. Force Majeure. If First Fidelity is unable to perform any obligation
hereunder as a result of any event beyond its control, First Fidelity’s
delay or failure to perform such obligation shall be excused and First
Fidelity shall not be liable for any damages as a result of such delay
or failure to perform.
32. You shall hold the existence and terms of all your transactions
with First Fidelity, including, without limitation, the existence of
any disagreement or dispute and the existence and terms of any resolution
thereof in the strictest confidence and you shall not disclose or publish
on the internet or elsewhere, any such information to any person or
entity without written consent of First Fidelity, or an order by a
court of competent jurisdiction. If you become aware you may be required
to make a disclosure, you shall promptly notify First Fidelity in writing
and shall cooperate in good faith with First Fidelity in obtaining
a protective order or other appropriate relief, if any, with respect
to such disclosure.
33. Severability. This Coin Transaction and Website User Agreement
is intended to be enforceable to the fullest extent permitted by applicable
law. If any term of this Agreement is held to be unenforceable for
any reason, such unenforceability shall not affect the other terms
of this Agreement.
34. Amendment. First Fidelity may amend this Agreement at any time
by posting the amended terms on the website. Except as otherwise provided
in this Agreement, the amended terms will become automatically effective
thirty (30) days after their initial posting on the website. You acknowledge
and agree that it is your responsibility to review the Website and
this Coin Transaction and Website User Agreement periodically, and
to be aware of any modifications. Your continued use of this Website
and/or your continued use of any services provided by First Fidelity
after such modifications will constitute your acknowledgement of the
Modified Coin Transaction and Website User Agreement and your agreement
to abide and be bound by the Modified Coin Transaction and Website
User Agreement. This Agreement may not be otherwise amended except
by written agreement between First Fidelity and you.
Privacy Statement
PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING THIS WEBSITE YOU ACCEPT THE PRACTICES DESCRIBED BELOW.
Thank you for accessing our website ("Site") operated by First Fidelity Reserve, Ltd. ("FFR"). We respect your privacy and want to protect your personal information. By visiting the Site directly or through another site, you accept the practices described in this Policy.
As we update and expand our Site and services, this Policy will be amended to protect your privacy. Please check the Site periodically for updates and feel free to contact us at any time with questions or suggestions regarding this Policy. If you have questions or concerns regarding this Policy, please contact us by email at info@FirstfidelityReserve.com or writing to the following address: First Fidelity Reserve, 130 Shakespeare, Beaumont, Texas 77706. When corresponding with us please reference your customer number.
- Information Gathering.
We collect information from you in multiple ways on this Site. The primary objective in collecting personal information from you is to provide you the best possible customer experience. For example, we can use your personal information to help us create content that is most relevant to you or alert you to new information, products, and services that we offer.
- Email Addresses. You may be required to provide your email address for purposes including but not limited to: registering for information or to access certain information, sign up for email news alerts and special offers; or to order a product online.
- Registration on our Site. If you choose to purchase a product online, we will ask for your name, telephone number, billing address and credit card number and related information. This personal information is necessary for billing purposes, to fulfill your orders, to communicate with you about your order and the Sites, and for internal marketing purposes. If a problem arises while processing your order, your personal information may be used to contact you. We may also use your personal information to verify the delivery or credit card information or otherwise conduct due diligence to ensure proper processing of your order and to minimize the risk of fraudulent transactions. We may verify your personal information including addresses or telephone numbers using third party providers.
- Social Security Numbers. We only collect Social Security Numbers when it is legally required to perform a service such as providing goods related to a self-directed IRA or as required by applicable law.
- Log Files. The Site server automatically recognizes the Internet URL from which you access the Site. We may also log your Internet protocol (“IP”) address, Internet service provider, and date/time stamp for system administration, order verification, internal marketing, and system troubleshooting purposes. (An IP address may indicate the location of your computer on the Internet.)
- Cookies and Other Technology. The Site, like most websites, employs cookies to assist your navigation of the Site, recognize you and your access privileges, and track your Site usage.
- Information Use and Disclosure.
- We will use your personal information to communicate with you about your orders, requests for information and deliveries. Also, we may send you a confirmation email when you register or order with us. You may submit your email address for reasons such as sign up for email news alerts and special offers or to request free information about acquiring our products. If you submit your email address, we use it to deliver the information to you. We always permit you to unsubscribe or opt out of future emails (see the opt out section below for more details). Because we have to communicate with you about orders that you choose to place, you cannot opt out of receiving emails related to your orders.
- We use your personal information to process your order, provide requested information and provide you with customer service. We may internally use your personal information to improve the Sites’ content and layout, to improve outreach and for our own marketing efforts (including marketing our services and products to you), and to determine general marketplace information about visitors to the Site.
- We do not sell, rent, trade, license or otherwise disclose your specific personal information or financial information to anyone other than to affiliates under our control with the exception of:
- Information provided to shipping entities to ensure delivery of your orders.
- Additionally we must provide your credit card number to financial-services corporations such as credit card processors.
- We may disclose personal information in response to requests from law enforcement officials conducting investigations; subpoenas; a court order; or if we are otherwise required to disclose such information by law. We also will release personal information where disclosure is necessary to protect our legal rights, enforce our Terms of Use or other agreements, or to protect ourselves or others. For example, we may share information to reduce the risk of fraud or if someone uses or attempts to use the Site for illegal reasons or to commit fraud.
Data Security
The security and confidentiality of your information is important to us. We have implemented certain technical, administrative, and physical security measures designed to help protect customer information from unauthorized access and improper use. This is an ongoing process and, from time to time, we review our security procedures in order to consider appropriate new technology and methods. Please be aware that despite a company’s best efforts, no security measures are perfect or impenetrable.
We are committed to providing you a safe, risk free environment. We use some of the most sophisticated security software available on the market and have done everything reasonably possible to ensure that any personal information you share with us will not be misappropriated. Should you ever suspect an unauthorized party has obtained or used your personal information, please contact us immediately. We will investigate the matter thoroughly. Any time that you discover or suspect fraud, you should contact your credit card company immediately.
The Site incorporates physical, electronic, and administrative procedures to safeguard the confidentiality of your personal information, including Secure Sockets Layer (“SSL”) for all financial transactions through the Site. We use SSL encryption to protect your personal information online, and we also take several steps to protect your personal information in our facilities. Personal information may be printed or otherwise stored in a non-electronic form. Employees who need access to your personal information to perform a specific job are permitted access to your personal information. Finally, we may rely on third-party service providers for the physical security of some of our computer hardware. We believe that their security procedures are adequate. For example, when you visit the Site, you access servers that are kept in a secure physical environment, behind a locked cage and an electronic firewall.
Our site is not directed to individuals under the age of eighteen (18) and we request that these individuals do not provide personal information through our site. We do not knowingly collect information from children under thirteen (13) without parental consent.
FFR does not guarantee complete security either online or offline.
Opt Out/Corrections
Upon your request, we will (a) correct or update your personal information; and/or (b) stop sending emails to your email address. You can make these requests at the customer information section of the Site or by calling FFR at (800) 336-1630 or emailing your request to info@firstfidelityreserve.com.
Monitoring/Recording of Telephone Calls
You understand and agree that FFR may, at FFR’s discretion, but is not obligated to do so, monitor or record your telephone conversations with FFR for quality control and for FFR’s protection. Unless otherwise agreed by FFR in writing, FFR does not consent to the recording of telephone conversations by you or any third party. You understand that not all telephone lines or calls are recorded and FFR does not guarantee that any recordings of any particular telephone calls will be retained or be capable of being retrieved.
Updates to this Policy
WE MAY CHANGE, MODIFY, AMEND, SUSPEND, TERMINATE OR REPLACE THIS PRIVACY POLICY FROM TIME TO TIME. IN THE EVENT THIS PRIVACY POLICY IS CHANGED, MODIFIED, AMENDED OR REPLACED, THE EFFECTIVE DATE, LOCATED ABOVE, WILL CHANGE. YOUR CONTINUED USE OF THE WEBSITE AFTER A CHANGE IN THE EFFECTIVE DATE OF THIS PRIVACY POLICY CONSTITUTES YOUR ACKNOWLEDGEMENT AND ASSENT TO THE UPDATED POLICY.
BY USING THIS WEBSITE, YOU REPRESENT AND WARRANT THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THE TERMS OF THIS PRIVACY POLICY.
Questions or Comments.
If you have any comments or questions about our security and privacy statement, please call us at (877) 877-2256 or email our Customer Service Department at info@firstfidelityreserve.com.
Return Policy
You understand if you are not 100% satisfied with your purchase, you may return it in its original packaging within thirty (30) days of receipt for a full refund except on special orders or bullion orders. You understand returns of numismatic items outside of the thirty (30) day return privilege may be subject to a restocking fee of up to 20% or repurchase at First Fidelity Reserve's buy price at the time of return. You understand and accept First Fidelity Reserve's policy that payments for refunds on coins received and confirmed for liquidation will typically be processed in 10-15 business days unless otherwise specified by management in writing.
TERMS AND CONDITIONS
AS USED IN THESE TERMS AND CONDITIONS, THE TERM "YOU" SHALL MEAN ANY VISITOR TO THE SITE AND/OR CUSTOMER OF FIRST FIDELITY RESERVE.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THIS SITE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS SITE.
First Fidelity Reserve ("FFR") operates this Website (the "Site") to provide online access to information about FFR and its products. By accessing and using this Site, you agree to each of the terms and conditions set forth herein ("Terms and Conditions"). Additional terms and conditions applicable to specific areas of this Site or to particular content or transactions are also posted in particular areas of the Site and, together with these Terms and Conditions, govern your use of those areas, content or transactions. These Terms and Conditions, together with applicable additional terms and conditions, are referred to as this "Agreement".
FFR reserves the right to modify this Agreement at any time without giving you prior notice. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Agreement as modified. The last date these Terms and Conditions were revised is set forth at the bottom of this page.
Use of Site
You may use this Site, and the information, writings and images on the Site solely for your non-commercial, personal purposes and/or to learn about FFR products. No right, title or interest in any content is transferred to you, whether as a result of downloading such content or otherwise. FFR reserves complete title and full intellectual property rights in all content. Except as expressly authorized by this Agreement, you may not use, alter, copy, distribute, transmit, or derive another work from any content obtained from the Site except as expressly permitted by these Terms and Conditions.
Copyright
The Site and the content are protected by U.S. copyright laws, and belong to FFR, its licensors, contributors or third parties. The copyrights in the content are owned by FFR or other copyright owners who have authorized their use on the Site.
Trademarks
You are prohibited from using any of the marks or logos appearing throughout the Site without permission from the trademark owner, except as permitted by applicable law.
Links to Third-Party Sites
Links on the Site to third party websites or information are provided solely as a convenience to you. If you use these links, you will leave the Site. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by FFR of the third party, the third-party Site, or the information contained therein. FFR is not responsible for the availability of any such Site. FFR is not responsible or liable for any such Site or the content thereon.
Linking to this Site
Prior to linking to this site, you must first obtain FFR’s written permission. Requests to link to the Site should be sent to info@FirstfidelityReserve.com. Unless specifically authorized by FFR, you may not connect "deep links" to the Site, i.e., create links to this Site that bypass the home page or other parts of the Site. You may not mirror or frame the home page or any other pages of this Site on any other Site or web page.
Downloading Files
FFR cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection by software viruses or other harmful computer code, files or programs.
Disclaimer of Warranties
FFR MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE OR THE CONTENT. FFR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SITE, THE CONTENT, AND ANY PRODUCT FURNISHED OR TO BE FURNISHED VIA THE SITE OR BY FFR TO YOU AFTER YOU HAVE VIEWED THE SITE. FFR DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE SITE WILL BE CORRECTED. FFR DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE AND THE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
Limitation of Liability
IN NO EVENT WILL FFR 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 SITE OR THE CONTENT, (II) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SITE; (III) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SITE AND/OR THE CONTENT, (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (V) ANY OTHER MATTER RELATING TO THE SITE OR THE CONTENT, EVEN IF FFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE CONTENT, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
Indemnification
You understand and agree that you are personally responsible for your behavior on this Site. You agree to indemnify, defend and hold harmless FFR, its parent companies, subsidiaries, affiliated companies, joint venturers, business partners, licensors, employees, agents, and any third-party information providers to the service from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys' fees, resulting from or arising out of your use, misuse, or inability to use the Site, the service, or the content, or any violation by you of this Agreement.
Privacy
By accessing this Site you accept and acknowledge FFR’s Privacy Policy.
User Conduct
You agree to use the Site only for lawful purposes. You agree not to take any action that might compromise the security of the Site, render the Site inaccessible to others or otherwise cause damage to the Site or the content. You agree not to add to, subtract from, or otherwise modify the content, or to attempt to access any content that is not intended for you. You agree not to use the Site in any manner that might interfere with the rights of third parties. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site. You agree to abide by all applicable local, state, national, and international laws and regulations in your use of the Site. Our Site is available only to individuals who are permitted to use it under applicable law. If you do not qualify, please do not use our Site. You agree to be solely responsible for your actions and the contents of your transmissions through the Site. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity.
Coin Transaction and Site User Agreement
By accessing this Site you accept and acknowledge the Coin Transaction and Site User Agreement.
Typographical Errors or Inaccuracies
The Site may contain technical inaccuracies or typographical errors or omissions. We are not responsible for typographical, pricing, product information, advertising or other errors on the Site. Advertised prices and available quantities are subject to change without notice. We reserve the right to make changes, corrections and/or improvements to the products and programs described on the Site at any time without notice.
Lost Transaction Information and Communication Errors
We are not responsible for communication malfunctions, failures, or difficulties, or lost, stolen, or misdirected, transmissions, messages or entries, or the security of any such communications. Further, we are not responsible for incorrect or inaccurate entry information, whether caused by user(s) or by any of the equipment or programming associated with the Site, or by any technical or human error that may occur in the processing of any information related to the Site. We are not responsible for any damages that may arise as a result of any orders you request or make on this Site which are not processed or accepted for any reason.
No Financial Tax or Legal Advice Provided
The Site and content are not intended to and do not constitute financial, legal or tax advice. Please seek the advice of professionals as necessary regarding the evaluation of any content on this Site. You should consult with your appropriate legal, financial or tax advisor regarding issues arising from the acquisition or disposition of precious metals, rare coins, rare currency and any financial investment. The information on this Site is not intended as an offer or solicitation for the purchase of any stock, any other security or any financial instrument or to provide any investment service or investment advice in any jurisdiction. You acknowledge that FFR advises and you have the opportunity to perform your own due diligence in deciding the amount and type of your coin transaction and numismatic position. You acknowledge that FFR advises and you have the opportunity to independently verify all representations made via the FFR website, via email, via FFR publications or from FFR representatives.
Timeliness of Information
All materials that are contained on the Site were, to the best of our knowledge, timely and accurate when first presented. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. We have no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site.
ARBITRATION
YOU AND FFR AGREE TO ARBITRATE IN A FINAL BINDNG MANNER PURSUANT TO THE FEDERAL ARBITRATION ACT AND ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES IN JEFFERSON COUNTY, TEXAS ALL CONTROVERSIES BETWEEN YOU AND FFR, IT’S OWNERS, REPRESENTATIVES OR AGENTS THAT CANNOT BE AMICABLY RESOLVED BY DIRECT NEGOTIATION OR THROUGH PRE-ARBITRATION MEDIATION ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS AND CONDITIONS OR ANY TRANSACTION WITH FFR, YOUR ACCOUNT, OR ANY SERVICE PROVIDED BY FFR TO YOU. IT IS UNDERSTOOD THAT YOU AND FFR WAIVE ANY RIGHT TO A JURY TRIAL. YOU AND FFR AGREE that all claims shall be brought in your or FFR’s individual capacity and not as a class member in any purported class or representative proceeding.
Limitation of Actions
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, relating to, or connected with your use of the Site, coin purchase, coin sales or any other transactions between you and FFR must be filed within one calendar year after such claim or cause of action arises, or forever be barred.
Termination
We will have the right to terminate your access to the Site if we reasonably believe you have breached any of these Terms and Conditions. Following termination, you will not be permitted to use the Site and we may, in our discretion, cancel any outstanding product orders. If your access to the Site is terminated, we reserve the right to exercise whatever means we deem necessary to prevent unauthorized access to the Site, including, but not limited to, technological barriers, IP mapping, and direct contact with your Internet Service Provider. These Terms and Conditions will survive indefinitely unless and until we choose to terminate it, regardless of whether any account you open is terminated by you or us or if you have the right to access or use the Site.
General Provisions
Entire Agreement/No Waiver. These Terms and Conditions constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by FFR of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
Correction of Errors and Inaccuracies. The content may contain typographical errors or other errors or inaccuracies and may not be complete or current. FFR therefore reserves the right to correct any errors, inaccuracies or omissions and to change or update the content at any time without prior notice. FFR does not, however, guarantee that any errors, inaccuracies or omissions will be corrected.
Enforcement/ Choice of Law/ Choice of Forum. If any part of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this Agreement, all of which will remain in full force and effect. Any and all disputes relating to these Terms and Conditions, FFR's Privacy Policy, FFR’s Coin Transaction and Site User Agreement, any coin purchase, coin sales or other transactions between you and FFR, your use of the Site, any other FFR Site, the Service, or the content are governed by, and will be interpreted in accordance with, the laws of the State of Texas, without regard to any conflict of laws provisions.
Claims of Copyright Infringement. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider's Designated Agent.
I do agree.