It is a collective term for a type of covert armor where ballistic fibers are installed directly into what seems to otherwise be regular attire. These clothes range in appearance and protection.
Yes. UARM produces several high-grade models ranging from lightweight and discreet T-shirts to full winter jackets with ballistic protection up to NIJ Level IIIa installed.
Yes. Civilians that have not been convicted of a violent felony can buy, own, and wear any type of body armor anywhere, excluding private property where it is otherwise stated.