Terms & Conditions

Pledge Financial LLC 

Revised: May 6, 2026

These terms and conditions (“Terms and Conditions”) apply to your access to, and use of, the services of Pledge Financial LLC, and its subsidiaries and affiliated companies or brands (collectively, “Company”, “us”, “our” or “we”), including without limitation all Company-owned or operated physical store locations (collectively, the “Stores”), the website available at pledgefs.com and any other Company affiliated website (collectively, the “Websites”), mobile applications offered by the Company (“Apps”), or engage with us in other related ways (collectively, the “Services”). For the avoidance of doubt, these Terms and Conditions serve as the baseline terms governing all Company Stores, Websites, and Apps, regardless of their individual branding or geographic location. Certain affiliated Websites or brands may publish additional Website-specific or brand-specific terms (“Supplemental Terms”). Where Supplemental Terms apply, they are incorporated into and form part of these Terms and Conditions for that particular Website or brand. In the event of any conflict between these Terms and Conditions and the Supplemental Terms, these Terms and Conditions shall control. These Terms and Conditions do not alter in any way the terms or conditions of any other agreement you may have with Company, or its affiliates and/or partners, for products, services or otherwise. 

ACCEPTANCE OF TERMS

Please read these Terms and Conditions and our Privacy Policy (collectively, the “Terms”) carefully before using the Services. By using the Services, you represent that you are at least eighteen (18) years of age and agree to be legally bound by these Terms. Your use of the Services and any information you provide or that is gathered by Company or third parties is governed by the Privacy Policy, which is incorporated herein by reference. We may update these Terms at any time, as reflected by the revised date at the top of this page, and will post updates to our Websites. Your continued use of the Services following any changes constitutes acceptance of the updated Terms.

If you do not agree to these Terms, please do not use the Services, and promptly exit the Services. 

USE OF OUR SERVICES

It is a condition of your use of the Services that you do not:

  1. Use the Services for any unlawful, fraudulent, or deceptive purpose;
  2. Interfere with or disrupt the Services or attempt to gain unauthorized access; 
  3. Scrape, data-mine, or systematically collect content from the Services; or
  4. Impersonate any person or provide false information.

We may suspend or terminate your access to the Services at any time, without notice, if we believe you have violated these Terms or any applicable law. 

INTELLECTUAL PROPERTY

All content available through the Services, including text, graphics, logos, icons, images, and designs are the property of Company or its content suppliers and are protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or exploit any content without our written permission. You are prohibited from using any content from the Services for the purposes of developing, training, or operating artificial intelligence or machine learning systems. 

TRANSACTION, PRODUCTS AND PRICING 

Products are pre-owned and sold as-is unless otherwise stated. Photos may not depict the exact item. Prices and availability may change without notice and vary by location. We may correct pricing or description errors.

All pawn, title, and hard money loans, sales, purchases, and layaway transactions are subject to applicable state and federal laws. Interest rates, terms, and conditions vary by item value, loan type, location, and state requirements. Valid government-issued ID is required for transactions. Company may decline any item or transaction. Valuations reflect item characteristics, market conditions, and resale value, and are not appraisals.

DISCLAIMER OF WARRANTIES

COMPANY PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS. COMPANY, ITS AFFILIATES, AGENTS, AND LICENSORS (COLLECTIVELY, THE “COMPANY PARTIES”) DISCLAIM ALL WARRANTIES AND CONDITIONS, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, COMPANY DOES NOT WARRANT THAT THE SERVICES WILL (1) BE UNINTERRUPTED; (2) BE FREE FROM INACCURACIES, ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS; (3) MEET YOUR REQUIREMENTS; OR (4) OPERATE IN THE CONFIGURATION OR WITH THE HARDWARE OR SOFTWARE YOU USE. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK. 

YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY NOR ANY PARTICIPANT ON THE SERVICES PROVIDES PROFESSIONAL ADVICE OF ANY KIND, AND ANY INFORMATION, CONTENT OR MATERIALS MADE AVAILABLE VIA THE SERVICES ARE FOR INFORMATIONAL PURPOSES ONLY AND ARE USED OR RELIED UPON SOLELY AT YOUR OWN RISK.

EXCLUSION OF DAMAGES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NONE OF THE COMPANY PARTIES WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS, LOST DATA OR LOSS OF GOODWILL), OR ANY DAMAGES OF ANY KIND, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE LEGAL THEORY (WHETHER CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, COMPANY WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING OUT OF (1) YOUR FAILURE TO COMPLY WITH THESE TERMS; (2) CONTENT POSTED TO THE SERVICES BY YOU OR ANY THIRD PARTY; OR (3) ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER OF THE SERVICES.

LIMITATION OF LIABILITY

IN NO EVENT WILL THE COMPANY PARTIES’ AGGREGATE LIABILITY TO YOU IN CONNECTION WITH THE WEBSITES, APPS, STORES, SERVICES, OR THESE TERMS EXCEED THE AMOUNT (IF ANY) PAID BY YOU TO COMPANY IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT WHICH GAVE RISE TO THE LIABILITY, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. NOTHING IN THESE TERMS LIMITS LIABILITY FOR WILLFUL MISCONDUCT, GROSS NEGLIGENCE, OR WHERE SUCH LIMITATION IS PROHIBITED BY LAW. 

APPLICABILITY OF DISCLAIMERS, EXCLUSIONS AND LIMITS

BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF DAMAGES, COMPANY’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW OF SUCH JURISDICTION. IN ADDITION, BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN WARRANTIES, THE DISCLAIMERS SET FORTH ABOVE MAY NOT APPLY TO YOU.

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS WITH RESPECT TO CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

THIRD PARTY WEBSITES AND FUNCTIONALITIES

THE SERVICES MAY CONTAIN LINKS TO THIRD-PARTY WEBSITES OR SERVICES, OR MAKE AVAILABLE TOOLS PROVIDED BY THIRD PARTIES (COLLECTIVELY, “THIRD-PARTY RESOURCES”). COMPANY DOES NOT CONTROL ANY THIRD-PARTY RESOURCES AND MAKES NO WARRANTIES REGARDING THEM. YOUR USE OF ANY THIRD-PARTY RESOURCES IS AT YOUR OWN RISK AND GOVERNED BY THE APPLICABLE THIRD-PARTY’S TERMS AND POLICIES. THE INCLUSION OF ANY THIRD-PARTY RESOURCE ON OR THROUGH THE SERVICES DOES NOT IMPLY ENDORSEMENT BY COMPANY, AND COMPANY IS NOT RESPONSIBLE FOR YOUR DEALINGS WITH ANY THIRD PARTY. 

INDEMNIFICATION

You agree to indemnify and hold harmless the Company Parties, and at Company’s option defend the Company Parties, from and against any damage, loss, cost or expense (including without limitation, legal fees and costs) incurred in connection with any third-party claim, demand, proceeding or action (“Claim”) brought against any of the Company Parties arising out of your use of the Services or any alleged breach by you of any provision of these Terms, or the infringement by you, of any intellectual property or other right of any person or entity. If you are obligated to indemnify any of the Company Parties, Company may, in its sole and absolute discretion, control the defense and disposition (including its possible settlement) of any Claim at your sole cost and expense. Without limitation of the foregoing, you will not settle, compromise, or in any other manner dispose of any Claim without the written consent of Company.

DISPUTE RESOLUTION 

PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, TO HAVE A JURY TRIAL, AND TO PARTICIPATE IN A CLASS ACTION.

Agreement to Arbitrate. By using the Services or engaging in any transaction or relationship with Company, you agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, any transaction with Company, or any data Company collects in connection therewith (collectively, “Disputes”) shall be resolved exclusively by final and binding arbitration administered by JAMS under the JAMS Arbitration Rules & Procedures then in effect (the “Applicable Rules”), available at www.jamsadr.com. You consent to the JAMS Mass Arbitration Procedures and Guidelines where applicable. Company’s rights under this section inure to the benefit of its parent companies and owners.

Informal Resolution. Before initiating arbitration, both parties will make reasonable efforts to resolve any Dispute informally for at least thirty (30) days after written notice.

Arbitration Procedures. The arbitration shall be conducted before a single arbitrator selected under the Applicable Rules. The Arbitrator shall have exclusive authority to resolve any dispute relating to the validity, interpretation, or enforceability of this arbitration provision. Proceedings shall be held in New York, New York; provided that for claims not exceeding $10,000, arbitration shall be conducted on documents only unless either party requests a hearing. The Arbitrator shall apply New York law consistent with the Federal Arbitration Act, may entertain any dispositive motion consistent with applicable rules of procedure, and shall issue a written award with findings and conclusions. Judgment on the award may be entered in any court of competent jurisdiction.

Batch Arbitration. If seventy-five (75) or more substantially similar claims are filed against Company within close temporal proximity by or with the assistance of a coordinated group, JAMS shall administer them in batches of twenty-five (25), each batch treated as a single consolidated arbitration with one arbitrator, one set of fees per side, and one procedural calendar. Any dispute over whether batching applies shall be decided by a JAMS-appointed arbitrator whose fees are shared equally. This process does not authorize class, collective, or mass arbitration beyond what is set forth in this section.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

Provisional Remedies. Nothing herein prevents either party from seeking provisional or injunctive relief in aid of arbitration from a court of competent jurisdiction.

Severability. If any part of this arbitration provision is deemed invalid or unenforceable, the remainder shall continue in full force and effect.

Modification. Company may modify this arbitration provision upon thirty (30) days’ notice, effective only prospectively for Disputes arising after such notice.

GOVERNING LAW 

These Terms shall be construed and enforced in accordance with and governed by the laws of the State of New York (without giving effect to any conflicts or choice of laws or provisions thereof that would cause the application of the domestic substantive laws of any other jurisdiction). For any claim or proceeding not subject to the arbitration provision above, the parties expressly and irrevocably acknowledge and agree that the federal and state courts located in New York, New York shall be the exclusive venues, and each further agree to submit to the exclusive jurisdiction of the federal and state courts located in New York, New York, relating to any disputes between them arising either directly or indirectly out of or relating to these Terms. THE PARTIES WAIVE ALL RIGHTS TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING INSTITUTED IN CONNECTION WITH THESE TERMS.

SEVERABILITY

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms, and these Terms shall be construed as if such invalid, illegal, or unenforceable provision had never been contained herein. 

WAIVER

The failure of Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Company. 

CONTACT US

If you have any comments, feedback, or questions, including the resolution of a complaint regarding the Services, or if you are seeking further information regarding the Services, the Company can be contacted at info@pledgefs.com. 

California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.