Privacy Policy

Revised: May 6, 2026

This policy (“Privacy Policy”) describes how and why Pledge Financial LLC, and its subsidiaries and affiliated companies or brands (collectively, “Company,” “we,” “us,” or “our”) collect, use, store, disclose, and otherwise process your personally identifiable information (“Personal Information”) when you transact with any Company-owned or operated physical store locations (collectively, the “Stores”), visit the website available at pledgefs.com and any other Company affiliated website (collectively, the “Websites”), use mobile applications offered by the Company (the “Apps”), or engage with us in other related ways (collectively, the “Services”). Certain Company-affiliated Websites may publish additional Website-specific or brand-specific policies (“Supplemental Policies”). Where Supplemental Policies apply, they are incorporated into and form part of this Privacy Policy for that particular Website or brand. In the event of any conflict between this Privacy Policy and the Supplemental Policies, this Privacy Policy shall control. 

BY USING THE SERVICES, YOU AGREE YOU HAVE READ AND AGREE TO THIS PRIVACY POLICY IN ITS ENTIRETY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

WHAT INFORMATION DO WE COLLECT?

We collect Personal Information that you provide to us directly and information that is collected automatically when you visit our Websites, use our Services, subscribe to our communications, or otherwise interact with us. We also collect information when you contact us for customer support or other inquiries. We use this information to operate and improve our Services and Websites, process and fulfill transactions, communicate with you and respond to inquiries.

Personal Information you disclose to us.

The Personal Information we collect depends on the context of your interactions with us and the Services, the choices you make, and the products or features you use. We receive and store any information you knowingly provide to us when you sign up for our contact lists, make a purchase, submit an inquiry or fill out any online forms. The Personal Information we collect may include the following:

  • name; 
  • email address; 
  • address; 
  • city/state/ZIP;
  • phone number; 
  • payment information (e.g., card type, last four digits, expiration date, tokenized payment identifier) for transactions; 
  • government-issued identification information (e.g., driver’s license number, state ID number) as required by applicable law for pawn and lending transactions; and 
  • any other identifiers which you may voluntarily provide or be prompted to provide in connection with accessing or using the Services.

We also automatically collect certain information when you use our Services, such as your IP address, browser type, device information, operating system, and general location inferred from your IP address. Under many U.S. state privacy laws, an IP address is considered Personal Information, and we treat it as such. We use this information to maintain and secure our Services, for analytics and reporting, and to improve your experience. We may collect more precise location data from your device; if we do, we will first obtain your consent or provide you with the opportunity to opt out as required by applicable law. 

HOW DO WE PROCESS YOUR INFORMATION? 

We process your Personal Information for a variety of reasons, depending on how you interact with our Services, including:

  • to deliver and facilitate delivery of the Services, providing customer service, and operating the Websites; 
  • to respond to user inquiries and provide support; 
  • to send administrative information, such as updates about our products and Services, changes to our Terms, and other transactional or service-related notices;
  • to request feedback about your use of the Services; 
  • to send you marketing, promotional, and notification communications consistent with your preferences; 
  • to evaluate and improve our Services, products, marketing, and your experience, including identifying usage trends, measuring campaign effectiveness, and optimizing our Websites and offerings; 
  • to comply with our legal obligations, including state and federal pawn and lending regulations, and to protect against fraud and unauthorized transactions; and 
  • for other purposes disclosed to you at the time of collection.

Sensitive Personal Information.

We may collect government-issued identification for pawn and lending transactions which may be considered “Sensitive Personal Information” under applicable law. We do not sell or share such information. We also do not use or disclose Sensitive Personal Information for purposes that would require offering the right to limit under California law. If this changes, we will provide separate notices and, where required, offer the right to limit use and disclosure. 

Profiling and Automated Decision-Making.

We do not use automated decision-making that produces legal or similarly significant effects without human involvement. 

WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION?

We may share your Personal Information with third-party vendors, service providers, contractors, or agents (collectively, “third parties”), who may perform services for us or on our behalf and require access to such information to do that work. The categories of third parties we may share Personal Information with include:

  • service providers and advertising partners. We may disclose Personal Information to vendors, service providers, contractors, processors, and advertising partners that perform services for us or on our behalf and require access to such information to do that work. 
  • billing and payment. We use third-party payment processors to assist us in processing your payment information securely. 
  • business transfers. We may share or transfer your Personal Information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
  • legal obligations. We may disclose information you provide, including your Personal Information, to comply with law, protect rights and safety, or prevent fraud.

COOKIES 

We may use cookies and similar technologies on our Websites to ensure functionality, maintain security, and to understand how visitors interact with our Services. Cookies are small text files placed on your device when you visit a website, allowing it to recognize your device and store information about your preferences or past actions. We also use local and session storage, which store data locally on your device for security and functionality purposes. 

Types of Cookies: 

  • Strictly Necessary Cookies: Essential for the Websites to function (e.g., session identifiers, security tokens, load balancing). These cannot be disabled.
  • Performance Cookies: Help us understand how visitors interact with the Websites by collecting analytics and usage data.
  • Functionality Cookies: Enable enhanced features and personalization, such as remembering your preferences across visits.
  • Targeting Cookies: Used to identify unique visitors and track sessions over time for advertising and analytics purposes.

Managing Your Cookie Preferences. 

You can manage or delete cookies through your browser settings at any time. Please note that disabling strictly necessary cookies may affect Website functionality. For more information about cookies, visit www.allaboutcookies.org. Our Services do not respond to Do Not Track signals at this time. 

THIRD PARTY WEBSITES

THE WEBSITES AND/OR SERVICES MAY CONTAIN LINKS TO THIRD-PARTY OWNED AND/OR OPERATED WEBSITES OR RESOURCES (COLLECTIVELY, “THIRD-PARTY RESOURCES”). WE ARE NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR THE CONTENT OF ANY THIRD-PARTY RESOURCE. We suggest that you contact these third parties directly for information regarding their privacy, security, and data collection and distribution policies prior to providing them with any information. We are not responsible for managing third-party communications; if you no longer wish to receive communications from a third party, please contact that third party directly.

Affiliates. We may disclose Personal Information about you to our affiliates for the purpose of being able to offer you related or additional products and services. Any information relating to you that we provide to our affiliates will be treated by those affiliates in accordance with this Privacy Policy and our Terms and Conditions.

HOW LONG DO WE KEEP YOUR INFORMATION?

We retain Personal Information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to satisfy legal, account, or reporting requirements (including applicable state and federal pawn and lending regulations), and then delete or de-identify it consistent with applicable law. We may retain data for longer where required to comply with legal obligations, resolve disputes, or enforce our agreements. 

HOW DO WE KEEP YOUR INFORMATION SAFE?

We use reasonable technical, organizational, and administrative safeguards to protect the Personal Information we process including encryption in transit, access controls, and monitoring. Despite our safeguards, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security. If we become aware of a data breach affecting Personal Information, we will investigate and provide notice as required by applicable law.

DO WE COLLECT INFORMATION FROM MINORS?

The Services are intended for users who are eighteen (18) years or older. We do not knowingly collect Personal Information from anyone under that age. If we learn that we have done so, we will promptly delete it or take steps to de-identify such information as required by law. If you believe we may have collected Personal Information from a minor, please contact us at info@pledgefs.comwith “Minor Data Collected Notification” in the subject line. 

Pursuant to 47 U.S.C. Section 230(d) as amended, Company hereby notifies you that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available from the Electronic Frontier Foundation website located at http://www.eff.org. 

WHAT ARE YOUR PRIVACY RIGHTS?

Depending on your state of residence, you may have the right to: (a) access your Personal Information; (b) correct inaccuracies; (c) request deletion; (d) opt out of the sale or sharing of your Personal Information and targeted advertising (if applicable); (e) request portability of your Personal Information in a readily usable form; (f) limit the use of your Sensitive Personal Information to purposes authorized by applicable law; and (g) withdraw consent to processing. You may designate an authorized agent to submit a request on your behalf. If you use an authorized agent, we may require proof of authorization and may still verify your identity directly. 

To exercise any of these rights, please email us at info@pledgefs.com. We will respond within the timeframe required by applicable law. We will not discriminate against you for exercising your rights. If we deny your request, you may appeal by emailing us, and if your appeal is denied, you may contact your state Attorney General. 

GOVERNING LAW

This Privacy Policy and your use of the Websites and Services will be governed by and construed in accordance with the laws of the State of New York, without regard to conflict-of-law rules or principles. Any dispute that is not subject to arbitration or small claims court will be resolved exclusively in the state or federal courts located in New York, New York, and the parties consent to the personal jurisdiction and venue of those courts. Any dispute, claim, or controversy arising out of or relating to this Privacy Policy, the Services, or any data Company collects in connection therewith is subject to the binding arbitration provision set forth in the Company’s Terms and Conditions, which is incorporated herein by reference. By using the Services, you acknowledge and agree that you have read and are bound by that arbitration provision, including the class action waiver contained therein.

SEVERABILITY

If any part of this Privacy Policy is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect. 

DO WE MAKE UPDATES TO THIS NOTICE?

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you either by prominently posting notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information. If the changes materially affect your rights, we will provide additional notice and, where required, obtain your consent.

HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have any questions about this Privacy Policy, please contact us at info@pledgefs.com.