TERMS & CONDITIONS

Last Updated: June 2025
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.

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 allowed by law, Traders Loan & Jewelry is not liable for:
• Website downtime or errors
• Loss of data
• Indirect or consequential damages
• Damages arising from your misuse of our website or services

Our total liability will not exceed the amount you paid us, if any, for the specific transaction involved.

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. Changes to These Terms

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

15. Contact Us

For questions about these Terms:
18505 Sherman Way, Reseda, CA 91335

CALL: 818-345-8696

PRIVACY POLICY

Last Updated: June 2025

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)
• 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.

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”
• 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.

5. How to Exercise Your Rights

We will verify your identity before fulfilling your request.

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.

9. Cookies and Tracking

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

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:

18505 Sherman Way, Reseda, CA 91335