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Privacy Policy

Effective Date. This Privacy Policy was last updated as of September 25, 2017.

Lloyd Associates, Incorporated doing business as Lloyd Gems (“we”, “our” or “us”) respect and are fully committed to protecting our customers’ privacy.

This privacy policy ("Policy") applies to all of our activities, including, but not limited to our websites, mobile sites, services, applications, platforms and tools where this Policy appears or is linked including our "Websites".

This Policy is intended to inform you of the following:

  1. Information we collect
  2. How we use the information we collect
  3. Information we share
  4. How we protect your information
  5. Opt out choices
  6. Access Rights, Correction, and Retention
  7. Children’s Privacy
  8. Links to third party sites and services
  9. Notice to California Residents
  10. Data Transfers
  11. Policy Modifications and Updates
  12. Our Contact Information

We want you to fully understand the terms and conditions of this policy.  It is important that you read this Policy carefully when doing business with us, for example, in correspondence, via our websites, e-mail, text, live chat, telephone, or by any/or all other electronic means.   You are accepting and consenting to our practices and policy and agree to the use of your information as provided by you and described within this Privacy Policy. 

You may not use our websites if you do not agree with this Policy or our practices. We reserve the right to make changes to this Policy from time to time, and these changes will be incorporated into our Website Terms of Use. Your continued use of our websites constitutes your acceptance of any changes and we encourage you to review this Policy periodically.

 1.   Information we collect

Personal information:

This is collected in many ways, for example, when you provide it on the telephone, on our Websites, through our apps and social media channels, at our events, through your participation in surveys, via text messages or by any other means. Some examples of the types of personal information that we collect may include the following:

  • Username and password when you create an account with us
  • Contact information including name, postal address, email address, and mobile or other telephone number
  • Payment information such as credit card number, expiration date, authorization number or security code, delivery address, and billing address
  • Purchase, return, wish list and transaction information
  • Inquiries, comments and history or any other content you provide including photographs
  • Your device information
  • Personal or professional information including your interests, date of birth, anniversary date, demographics (gender, occupation, income and marital status), your feedback with our products, and your contact preferences
  • Your social media information
  • Information that  you provide to us to contact your friends or other people
  • Information that we may obtain from our third-party service providers

Visits to our websites:

We can also collect information when you visit our Websites, open our emails, use our apps or interact with our related tools, widgets or plug-ins.  We may also use automated means such as cookies, web beacons and web server logs to collect certain information.

The information collected in this manner may include your IP address, unique device identifier, browser characteristics, domain and other system settings, search queries, device characteristics, operating system type, language preferences, referring URLs, actions taken on our site, dates and times of website visits, metadata and other information associated with other files stored on your device.

Through these automated collection methods, we obtain "clickstream data," which is a log of the links and other content on which a visitor clicks while browsing a website. We may link certain data elements we have collected through automated means, such as your browser information, with other information we have obtained about you to let us know, for example, whether you have opened an email we sent to you. You can change your cookies settings in your browser however, please note that without cookies you may not be able to use all of the features of our Websites.

We may use local shared objects to collect and store information about your preferences and how you interact with our Websites and Apps. These technologies help us recognize you, customize or personalize your shopping experience, store items in your online shopping cart between visits, and analyze the use of our services and solutions to make them more useful to you.

These types of technologies also allow us to aggregate demographic and statistical data and compilations of information, which may include personal information, and provide this information to our business partners and service providers that provide products and services to us.

Internet-based advertising:

On our Website, we may collect information about your online activities for use in providing you with advertising about products and services tailored to your individual interests. We also may obtain information for this purpose from third-party websites on which our ads are served. This section of our Policy provides details and explains how to exercise your choices.

You may see our ads on other websites because we use third-party ad networks, such as Facebook ( to serve our ads. Through such ad networks, we can target our messaging to users through demographic, interest-based and contextual means.

We can track your online activities over time by collecting information through automated means, including through the use of third-party cookies, web server logs, pixels and web beacons.

The networks use this information to show you advertisements that may be tailored to your individual interests. The information our ad networks may collect on our behalf includes data about your visits to websites that serve our advertisements, such as the pages or advertisements you view and the actions you take on the websites.

This data collection takes place both on our Website and on third-party websites that participate in these ad networks. This process also helps us track the effectiveness of our marketing efforts. You can always opt out of these services by clicking on their links.

Social Media:

When you connect with social media though the Website, you may link with social media platforms and social media plug-ins (e.g., the Facebook "Like" button, "Share to Twitter" button) (collectively, "Social Media"). When accessing services through a Facebook or other social media account, we may (depending on the applicable user privacy settings) automatically have access to information provided to or through the social media platform. We may collect and use this information for the purposes described in this Policy or at the time the information was collected.

Third Party providers:

Information collected directly by the third party providers of the features are subject to their privacy policies or notices of those providers. We are not responsible for those providers' information and privacy practices.  Also the providers of third-party apps, tools, widgets and plug-ins on our websites and apps, such as Facebook “Like” buttons, also may use automated means to collect information regarding your interactions with these features. This information is collected directly by these providers of the features and is subject to the privacy policies or notices of these providers. To the extent permitted by applicable law, we are not responsible for these providers’ information practices.

Location of Devices:

We also may collect information about the location of the mobile device or tablet used to access the Website ("Location Data"). Location Data includes: (a) the location of the mobile device or tablet derived from GPS or WiFi use; (b) the IP address of the mobile device or tablet or internet service used to access the Website; and (c) other information made available by a user or others that indicates the current or prior location of the user, such as geotag information in photographs.

We will inform you if a specific Website, app or service collects precise Location Data. If you do not want us to collect Location Data from your device, please delete the app or disable the location settings on your device or tablet. Note, however, that disabling the location setting may affect your ability to access and use that application.

Information we collect will only be used as described in this Policy. If you choose not to provide certain information, we may not be able to provide you with requested products, services or information.

 2.   How we use the information we collect

Generally information collected from you may be used in one or more of the following ways to provide our Websites and their contents to you as follows:

  • to deliver the products and services that you have ordered including, as applicable, order confirmation, billing, and delivering products or services
  • to process and track orders
  • to provide customer support and respond to comments, questions, or concerns
  • to prevent and detect fraud and other unlawful activity, claims and other liabilities
  • to perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others
  • to improve or develop new services and product offerings;
  • to identify, offer, and contact you with personalized content and advertising, including newsletters, articles, product or service alerts, new product or service announcements, savings awards, event invitations, and other information;
  • to conduct market research, surveys, and similar inquiries to help us understand trends and customer needs across product categories or customer groups;
  • to communicate with you via e-mail, postal mail, telephone and/or otherwise about products or services that may be of interest to you either from us, our affiliates or third parties;
  • to alert you about a correction of an offer, promotion, or advertisement;
  • to verify your eligibility, enter you in sweepstakes and promotions and deliver prizes
  • to keep a record of our interactions with you if you place an order or otherwise deal with our representatives over the telephone or online
  • to notify you of changes to our Website or any products or services we offer
  • to comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations and our policies.
  • To enforce our terms and conditions; and otherwise manage our business and facilitate your transactions.

 We may also use the information in other ways for which we describe at the time of collection.

In addition, we may use information collected through cookies, web beacons, pixels, web server logs and other automated means for purposes such as (a) customizing our users' visits to our Website, (b) delivering content tailored to our users' interests and the manner in which our users browse our Website, and (c) managing our Website and other aspects of our business. To the extent required by applicable law, we will obtain your consent before collecting information using cookies or similar automated means.

  • Cookies. We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain personal information although it will enable us to relate your use of this site to information that you have provided. The only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. We use cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site. However, you do need cookies to place an order, participate in an auction, post ratings or reviews, log in, or access the “My Account” section.


  • Web beacons. Web beacons are small, transparent graphics that are placed on our website to track how you arrive at our website and what you do at the website. We may use web beacons to track web affiliate sales, customers' browsing activities at our website, or to compile sales and statistical data. This information assists us in making your shopping experience more efficient


We may use third-party analytics services on our websites and apps, such as those of Google Analytics ( ). The analytics providers that administer these services use technologies such as cookies, web server logs and web beacons to help us analyze your use of our Website. The information collected through these means (including IP address) may be disclosed to these analytics providers and other relevant third parties who use the information, for example, to evaluate use of the Website..

To learn more about these analytics services and how to opt out, please visit the relevant websites listed here:


3.   Information We Share

We do not disclose personal information we collect about you, except as described in this Policy.

 Third-party Service Providers: We use third-party service providers in various aspects of our business, and we may share your personal information with them as necessary for them to perform their functions. For example, service providers may assist us with order fulfillment, package delivery, credit card issuance, the providing of warranties, credit card processing, customer service, website functionality or promotions. They may collect personal or non-personal statistics about our users, and have access to personal information needed to perform their functions, but may not use it for other purposes. In addition, we may use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site or to present special offers to you when you visit our website. They may collect anonymous information about your visits to our Web site, and your interaction with our products and services. They may also use information about your visits to this and other Web sites to target advertisements or offers for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major web sites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user.

Sharing Information with Affiliated Companies: We share customer information that we collect with our Affiliated Companies, including personal information. Our Affiliated Companies generally have privacy policies similar to ours or agree to be bound by our privacy policy before any customer information is provided to them.

Other Websites: We often provide links to other websites. If you choose to visit any of these sites, please understand that they have their own privacy policies and you may wish to review them. This Policy applies only to information collected by this website and by us.

Other Disclosures: We may disclose personal information when we are required or requested to do so by law, court order, subpoena, legal process, or other government or law enforcement authority or regulatory agency to establish, exercise, enforce or apply our rights and agreements; defend against legal claims, or when we believe in good faith that disclosing this information is necessary or advisable, including, for example, to protect the rights, property or safety of our website, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. We may also share information in order to investigate, prevent or take action regarding illegal activities.

With your Consent: We will share personally identifiable information with certain specific third party marketers when you accept an offer from them or otherwise consent for us to do so. Such personally identifiable information may include your name, credit/debit card number and expiration date, physical and email addresses and other billing information, as well as other information that you consent to provide.

Privacy Policies of Third Parties:  Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information. In addition to restrictions imposed under this Policy upon third parties use of personal information obtained from us, the third parties’ privacy policies will also govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy.

Sale of Business: We may also share or transfer information, including your personal information, in connection with the sale, transfer, acquisition, merger, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy or other change or ownership or control by our company or any affiliated company (in each case, whether in whole or in part). When one of these events occurs, we will use reasonable efforts to notify users before information is transferred or becomes subject to different privacy practices.


 4.   How we protect your information

We understand the importance of securing and protecting your personal information. We maintain reasonable administrative, technical and physical safeguards designed to secure your personal information provided to us against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

To help protect the integrity and privacy of the personal information you provide we use Secure Sockets Layer (SSL) encryption technology, the industry standard for secure online transactions, to encrypt your personal credit information, including your credit card number, before it travels over the Internet.

You should also take care with how you handle and disclose your personal information and should avoid sending personal information through insecure e-mail. If you receive an e-mail that looks like it is from us asking you for your personal information, do not respond. We will never request your password, username, credit card information, or other personal information through e-mail.

We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we have taken steps to safeguard your information disclosed or transmitted to us, we cannot guarantee, or should you expect, that your personal information, searches, or other communications will always remain secure.

 5.   Opt-Out Choices

You can make certain choices in connection with the personal information we collect about you, such as how we use the information and how we communicate with you.

Mailing Lists: To update your preferences, you can ask us to remove your information from our mailing lists, exercise your rights, or submit a request via email at or You can also unsubscribe from our mailing lists by following the "Unsubscribe" link in our emails. We will honor all opt-out requests on a timely basis, however, there may be a delay between submission of such request and actual removal from our mailing lists, as these lists are generated well in advance of our actual mailings.

Text Messaging Services: When you sign up for one of our text messaging programs, you are expressly consenting to receive text messages on your cell phone or other mobile device about our products, services, and/or programs which may be sent by automated means. Text messages will only be sent to the mobile phone number used to opt into the applicable text message program. Details on how many messages you should expect to receive are provided at the time of enrollment. In some instances, you may have the opportunity to reply to a message, which may result in additional response messages. Your consent to enrollment in any text message program is not a condition of purchase. For information about a text message program you may text HELP to the applicable short code. Message and data rates may apply. We do not charge a fee for our text message programs and assume no responsibility for charges by your carrier that you may incur when you sign up to receive text messages from us. You may opt out of a text message program at any time by texting STOP to the applicable short code. You will receive a final confirmation message to confirm that you will no longer receive text messages from the applicable text message program unless you opt back into such program. Some of our text messaging services have additional terms and conditions that will apply in addition to the description above.

Opting out of communications does not affect our communication with you via telephone or e-mail regarding orders or other sales or service transactions.
Registration, Newsletters and Opt-Out: When you register on our website, you will be asked if you would like to receive information on our products, services and promotions and information about similar products and services offered by third parties we have selected. You can indicate your interest by checking the box indicated in the subscription services center. You may opt out of receiving these promotional emails by deleting the check mark next to the option to receive promotional emails found in the subscription center. You can also sign up for our newsletter on our website by inserting your email address into a box marked for that purpose. You may unsubscribe from our email services whenever you like by using the opt out link on our email correspondence. You can also contact us via email at or and tell us that you want to opt-out from our email list at

Service-Related Emails:  We reserve the right to send you service-related announcements on rare occasions when it is necessary to do so. For example, if our service is temporarily suspended for maintenance, we might send you an email. Generally you can’t opt out of these communications unless you deactivate your account.

Transaction-specific Emails: If you provide your email address when placing an order, either online or via our call center, you will receive transaction-based emails including but not limited to order confirmation and shipment confirmation.

Do Not Track Policy: Some browsers have a "do not track" feature that lets you tell websites that you do not want your online activities tracked. At this time, the Websites do not respond to web browser “do not track” requests or similar signals that users may employ.

Consent:  By providing information on or through a Website you are consenting to the collection, use and disclosure of such personal information as described in this Policy. You may withdraw your consent at any time by following the procedure described in the Choice/Opt-Out section above.

In addition, your use of the Website constitutes consent (a) to be contacted about your account through any contact information you provide, including cell phone numbers, even if the number is on a Do Not Call list, and even if you are charged under your phone plan and (b) to the use of any automatic telephone dialing system and/or a prerecorded message when contacted.

Site Optimization and Usage Tracking: In order to assure your visits to our websites are completely satisfactory, our system automatically identifies which browser you are using, the IP (Internet Provider) you used for access, and your Operating System. We do not collect any personal information from your hard drive. We also track user traffic patterns throughout our website. We use tracking information to determine which areas of our site users like and don’t like based on traffic to those areas, as well as the kinds of products that most interest our customers. We do not track what individual users read, but rather how well each page performs overall. This helps us continue building a better site for you. To do this, we use web beacons and cookies (discussed below). We contract with third parties to help manage and optimize our Internet business and communications. If you do not want to help us learn how to improve our site, products, offers and marketing strategy, you can “opt out” of our ability to analyze such data by clicking the following link and following the instructions provided.

Social Networking and Blogs: .When you post an entry on a web log (“blog”) hosted by, created by or associated with Lloyd Associates, Incorporated and/or dba Lloyd Gems or submit content to us (such as reviews, photos or videos), we may publish the information you provide. All such postings and content are subject to our policy.

 6.   Access Rights, Correction, and Retention

Access Rights:  If you have registered or have an account with us this will enable you to access and check your personal information at any time to make sure that is accurate, complete and up to date on our websites. 

Correction: You can correct or update the information in your customer profile by clicking on the My Account link on our websites and following the instructions provided to you. You may also email us at or so that we could update your information.

Retention: Please note that you can request having your personal information removed from our database.  However, we may retain your personal information for as long as we think is necessary or advisable, and we reserve the right to retain it to the full extent not prohibited by law.


7.   Children’s Privacy

We are committed to protecting the privacy of minors under the age of 18 years and this website is only intended for users over the age of 18. Persons between the ages of 13 and 18 (minors) may only use this website with the consent of a parent or guardian. We do not knowingly collect any personal information from people under the age of 13.

If we become aware that a minor has submitted personal information to us through any part of the site, we will delete such personal information as soon as reasonably possible upon discovery.

 8.   Links to third party sites and services

This Website may contain links to third party websites operated by individuals or companies unrelated to us. Please be aware that we are not responsible for the privacy practices of such third party websites. We provide links to these websites for your convenience only and you access them at your own risk. We recommend that you review the privacy policies and terms of use posted on and applicable to such third party websites prior to utilizing them.

Supplementation of Information. In order to provide our services to you, we may supplement the personal information you submit to us with information from third party sources. For example, for credit card payments, we may communicate with a company that processes credit card payments and utilize services which help us verify your identity. This supplemental information may also include information we obtain from other third party sources.


9. Notice to California Residents

California Civil Code Section 1798.83:  If you are a California resident and your business relationship with us is primarily for personal, family or household purposes, you may request certain data regarding our disclosure, if any, of personal information to third parties for their third parties’ direct marketing purposes.   Please send an e-mail message to with “Request for California Privacy Information” in the subject line. You may make such a request free of charge once per calendar year. If applicable, we will provide you via e-mail with a list of the categories of personal information disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year, along with the third parties’ names and addresses. Please note that not all personal information sharing is covered by Section 1798.83’s requirements


10. Data Transfers

When we obtain information about you, we may transfer, process, and store such information in the United States and other countries, both within and outside of the European Economic Area. By providing us with your information, you consent to the transfer to, and to the processing and storage of your information in, countries outside of your country of residence, which may have different data protection laws than those in the country in which you reside.


11. Policy Modifications and Updates

Lloyd Associates, Incorporated, also doing business as Lloyd Gems (“we”, “our” or “us”) reserve the right to modify and update this Privacy Policy when applicable to reflect changes in our practices and/or policies.

We will notify you of significant changes by posting a prominent notice on our websites indicating at the top of the Notice when it was most recently updated.  You should check our websites (Lloyd Associates, Inc. and Lloyd Gems to find the most current version of our Privacy Policy.  Your continued use of the Lloyd Associates, Inc. and Lloyd Gems web sites will be subject to the then-current privacy policy.


12. Our Contact Information


If you have any questions regarding our Privacy Policy, you can email us at or  


Thank you for visiting our websites at lloyd- and

©2017 Lloyd Associates, Inc. dba Lloyd Gems.