Term and Conditon & Privacy Policy

01Acceptance of these terms

By visiting our website or doing business with Traders Loan & Jewelry, you agree to these Terms & Conditions. If you do not agree, do not use this website or our services.

02Who we are

Traders Loan & Jewelry is a licensed California pawnbroker and licensed federal firearms dealer (FFL). We follow the California Pawn Act, California Business & Professions Code §§21600–21667, ATF regulations, the CPRA/CCPA privacy laws, the Gramm-Leach-Bliley Act (Regulation P), IRS reporting requirements, and all other applicable federal, state, and local laws.

03Eligibility to use our services

To make a pawn loan, sell items, or purchase firearms, you must:

• Be at least 18 years old for general transactions, and 21 for firearms purchases.
• Provide valid and verifiable government-issued identification.
• Be legally able to enter into a contract.
• Comply with all federal, state, and local laws.

04Pawn loans and purchasing personal property

All pawn loans and purchases follow the California Pawn Act and BPC §21600–21667. This includes:

Loan terms

• Loan period, interest rates, storage fees, and charges follow California law and are disclosed on your pawn ticket.
• You receive a written contract for every transaction.
• Items not redeemed within the statutory period may be sold as allowed under California law.
• You may extend or renew loans as permitted by statute.

Reporting requirements

We report required transaction information to law enforcement as required by California law, including — but not limited to — property descriptions, serial numbers, and seller/pawner information.

05Firearms transactions

We follow all ATF rules, California firearm laws, and federal regulations including:

Background checks

• Firearm buyers must complete ATF Form 4473.
• We conduct background checks through NICS and California DOJ.
• Firearms cannot be transferred until all waiting periods and approvals are complete.

Denials and holds

Storage, handling, and safety

• Firearms left for repair or consignment follow federal acquisition/disposition rules.
• Firearms must be picked up by the same person who initiated the transaction.
• We may refuse service to anyone who appears unsafe or noncompliant.

06IRS Form 8300 reporting

Federal law requires us to file IRS Form 8300 for cash transactions totaling $10,000 or more, whether in a single transaction or in related transactions. We must collect additional identifying information from customers involved in reportable transactions.

07Jewelry services

Jewelry repairs, appraisals, cleaning, and custom work follow agreed-upon written instructions. We are not responsible for underlying flaws or pre-existing conditions in stones, metals, or settings.

08Your responsibilities

By using our website or services, you agree to:

• Provide accurate and truthful information.
• Only offer items you legally own.
• Not misuse our website or attempt to breach its security.
• Follow all applicable laws.

09Website content

Our website content is for general informational purposes only. Product availability, pricing, descriptions, and images are subject to change without notice. We strive for accuracy, but errors can occur. We reserve the right to correct mistakes.

10No warranties

All services and website content are provided "as is." We do not guarantee uninterrupted access, error-free content, or that the website is free of harmful code.

11Limitation of liability

To the fullest extent permitted by law, Traders Loan & Jewelry is not liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of this website or our services, even if advised of the possibility of such damages.

Our total aggregate liability for any claim arising from a specific transaction will not exceed the greater of (a) the amount you paid us for that transaction, or (b) $500.

Nothing in this section limits liability that cannot be limited under California law, including liability for gross negligence, fraud, or willful misconduct, or liability arising under the California Pawn Act or federal firearms regulations.

12Links to other websites

We may link to third-party sites. We do not control or endorse their content or privacy practices. Use them at your own risk.

13Intellectual property

All website text, images, logos, and graphics are owned by Traders Loan & Jewelry or used with permission. You may not copy or reuse them without written permission.

14Indemnification

You agree to indemnify, defend, and hold harmless Traders Loan & Jewelry, its owners, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your breach of these Terms;
• Your violation of any law or third-party right, including misrepresentation of ownership of any item pawned, sold, or presented for purchase;
• Any firearm transferred to you following completion of required background checks; or
• Your misuse of our website or services.

15Governing law and venue

These Terms & Conditions, and any dispute arising from your use of this website or our services, are governed by the laws of the State of California, without regard to conflict-of-law principles. Any legal action or proceeding arising out of these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.

16Changes to these terms

We may update these Terms at any time. Updates take effect when posted on this page.

17Contact us

For questions about these Terms: