TERMS & CONDITIONS

Last Updated: August 2026
Website: https://tradersloanandjewelry.com
Business Name: Traders Loan & Jewelry
Location: Reseda, California
Services Offered: Pawn loans, buying and selling of personal property, jewelry services, and firearms transfers and sales.

California Pawnbroker License #19420789 | Federal Firearms License (FFL) #9-95-037-02-6G-02020 | LA Business Tax Registration #0000041291-0001-5

Must be 18+ for general transactions, 21+ for firearms purchases. Ages verified with valid government ID.

Traders Loan & Jewelry is committed to digital accessibility and aims to conform to WCAG 2.1 Level AA.

ACCESSIBILITY: Traders Loan & Jewelry is committed to ensuring our website is accessible to individuals with disabilities. We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. If you encounter any barrier to accessing content or services on this website, please contact us at 818-345-8696 or at 18505 Sherman Way, Reseda, CA 91335, and we will work to address the issue promptly.

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1. Acceptance 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.

2. Who 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.

3. Eligibility 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.

4. Pawn 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.

5. Firearms 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

If the government places a delay or denial on your background check, we must follow that determination. No exceptions.

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.

6. IRS 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.

7. Jewelry 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.

8. Your 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.

9. Website 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.

10. No 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.

11. Limitation 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.

12. Links 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.

13. Intellectual 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.

14. Indemnification

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.

15. Governing 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.

16. Changes to These Terms

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

17. Contact Us

For questions about these Terms: Visit 18505 Sherman Way, Reseda, CA 91335 or call at 818-345-8696.

PRIVACY POLICY

This Privacy Policy explains how Traders Loan & Jewelry collects, uses, and protects your information. It covers our compliance with:

California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA), including the regulations that took effect January 1, 2026
Gramm-Leach-Bliley Act (GLBA), including Regulation P
FTC data privacy and advertising rules
ATF regulations for firearms transactions
IRS Form 8300 reporting requirements

1. Information We Collect

Information You Give Us

Name
Address
Phone number
Email
Government-issued ID
Date of birth
Signature
Payment information
Descriptions of items pawned, sold, or purchased
Firearms transaction details (required by ATF)
ATF Form 4473 information (stored as required by federal law)
IRS Form 8300 information for qualifying cash transactions

Information Collected Automatically

When you visit our website, we may collect:

IP address
Browser type
Device information
Pages visited
Cookies or similar tracking tools

We use this data to improve website performance and user experience.

2. How We Use Your Information

We use personal information to:

Process pawn loans, purchases, and sales
Complete required federal and state paperwork
Verify your identity
Meet legal and reporting obligations
Communicate with you about your account
Improve our website and services
Prevent fraud and maintain security

We do not sell your personal information.

3. Information Sharing

Required by Law

We share information only as required by law, including:

Reporting pawn and secondhand dealer transactions to law enforcement (California BPC §21600–21667)
ATF-required firearm acquisition and disposition reports
ATF Form 4473 storage and inspection requirements
DOJ background checks
IRS Form 8300 reporting for cash transactions over $10,000
Subpoenas, warrants, or court orders

Service Providers

We may share limited information with trusted vendors who help operate our website, process payments, or maintain business operations. These providers must protect your information and may not sell it. If we work with any analytics or advertising vendors that qualify as data brokers, we identify them here, we do not currently work with any data brokers.

No Selling of Personal Data

We do not sell, rent, or trade your personal information.

4. Your Privacy Rights (California Residents)

Under the CCPA/CPRA, you have the right to:

Know what personal information we collect
Request a copy of your information
Request that we correct inaccurate information
Request that we delete information (unless law prohibits deletion)
Opt out of data sharing that qualifies as a “sale” or “share” (including cross-context behavioral advertising)
Limit the use of sensitive personal information
Not face discrimination for exercising your rights

Because we are a financial institution under GLBA, some CCPA/CPRA rights do not apply to data collected for pawn loans and financial transactions. Because we are an FFL, firearm transaction information cannot be deleted or altered.

If you are under 16, or if you provide us with date-of-birth information indicating you are under 16, that information is treated as sensitive personal information and is subject to additional protections under California law.

5. How to Exercise Your Rights

Phone: 818-345-8696
Address: 18505 Sherman Way, Reseda, CA 91335

We will verify your identity before fulfilling your request.

Deletion Requests

You may request deletion of your personal information by contacting us using the methods above. We will verify your identity before processing your request. We will respond within 45 days of receiving a verifiable request, which we may extend by an additional 45 days when reasonably necessary, with notice to you.

We cannot delete information we are legally required to retain, including:

ATF Form 4473 records (20-year federal retention requirement)
Firearms acquisition/disposition records (permanent retention)
Pawn transaction records (per California Pawn Act retention periods)
IRS Form 8300 reports (5-year retention)

Where deletion is legally restricted, we will notify you of the specific exemption that applies and will delete or de-identify any remaining information that is not subject to a retention requirement.

6. How We Protect Your Information

We use reasonable administrative, technical, and physical safeguards to protect your information. This includes encryption, secure storage, restricted access, and staff training.

Firearms records and pawn records are stored in accordance with ATF and California requirements.

7. Data Retention

We keep information only as long as required by law or as needed for business purposes:

ATF Form 4473: 20 years
Firearms acquisition/disposition log: Permanent
Pawn records: Statutory retention per California law
IRS 8300 reports: 5 years
General customer records: As needed for business operations

8. Children’s Privacy

Our services are not intended for children under 16, and we do not knowingly collect their data outside of the ID- and age-verification information necessary to complete a lawful transaction with an adult customer. Any information collected from a consumer under 16 in the course of a transaction is treated as sensitive personal information as described in Section 4.

9. Cookies, Tracking, and Your Opt-Out Choices

We use cookies to analyze website traffic and improve functionality. You may disable cookies in your browser, but some features may not work.

If our website uses any analytics or advertising tool that shares information with third parties in a way that qualifies as a “sale” or “share” under California law, we provide a “Your Privacy Choices” link in the website footer where you can opt out. We honor Global Privacy Control (GPC) signals as an opt-out preference where legally required.

10. Third-Party Links

Links on our website may point to third-party sites. Their privacy practices are not ours. Review their policies before sharing information with them.

11. Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted on this page with a new “Last Updated” date.

12. Contact Us

For questions about this Privacy Policy or your privacy rights: Visit 18505 Sherman Way, Reseda, CA 91335 or call 818-345-8696.

Terms & Conditions and Privacy Policy