Terms of Service

Effective Date: February 21, 2025

These Terms of Service (“Terms”) govern your access to and use of 24HourPawnShopNearMe.com (“Website”).

The Website is owned and operated by:

Adam Inc dba Amor Pawn Shop
10525 Long Beach Blvd
Lynwood, California 90262
Phone: 323-564-1500
Email: support@24hourpawnshopnearme.com

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Website immediately.


1. Ownership and Business Structure

The Website is owned, controlled, and operated exclusively by Adam Inc dba Amor Pawn Shop, a licensed California pawn broker operating in compliance with the California Financial Code and applicable laws.

Website development and promotional services are provided under contract by Aron Inc dba AY Web Consultant.

Aron Inc dba AY Web Consultant is an independent business-to-business (B2B) digital marketing agency. It does not:

  • Own or operate Amor Pawn Shop
  • Provide pawn brokerage services
  • Provide financial services
  • Approve or deny loans
  • Collect payments
  • Set interest rates
  • Handle pledged collateral
  • Participate in regulated pawn transactions

All regulated pawn services and financial transactions are conducted solely by Adam Inc dba Amor Pawn Shop at its licensed physical location.


2. Informational and Advertising Purpose

This Website is provided strictly for informational and advertising purposes.

No pawn loan or financial transaction is initiated, processed, or completed through this Website.

Nothing on this Website constitutes:

  • A loan offer
  • A loan commitment
  • A guarantee of approval
  • A binding lending agreement

All pawn transactions occur exclusively in person at:

10525 Long Beach Blvd
Lynwood, California


3. No Online Lending Activity

This Website does not:

  • Offer online lending
  • Conduct underwriting
  • Accept loan applications electronically
  • Process online loan payments
  • Provide financial account services

All legally required loan disclosures are provided in writing at the time of in-store pawn transaction.


4. No Guarantee of Loan Approval

Loan approval, collateral valuation, loan amount, and interest charges are determined in store.

Nothing on this Website guarantees approval or specific loan terms.


5. User Eligibility

You must be at least 18 years of age and legally capable of entering into binding agreements to use this Website.

By using this Website, you represent and warrant that you meet these requirements.


6. Acceptable Use

You agree not to:

  • Use the Website for unlawful purposes
  • Attempt unauthorized access to Website systems
  • Interfere with Website security
  • Upload malicious code
  • Misrepresent your identity
  • Use automated scraping tools

We reserve the right to restrict or terminate access for violations.


7. Intellectual Property

All Website content, including text, graphics, design, layout, logos, and structure, is protected by intellectual property laws.

You may not reproduce, distribute, modify, or republish Website content without prior written consent.


8. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Adam Inc dba Amor Pawn Shop disclaims all warranties, express or implied, including:

  • Merchantability
  • Fitness for a particular purpose
  • Accuracy or completeness
  • Continuous availability
  • Non-infringement

Use of the Website is at your sole risk.


9. Limitation of Liability

To the maximum extent permitted by law:

Adam Inc dba Amor Pawn Shop shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from use of the Website.

Total liability for any claim relating to Website use shall not exceed $100 or the amount paid by you to use the Website, whichever is less.


10. Indemnification

You agree to indemnify, defend, and hold harmless Adam Inc dba Amor Pawn Shop and its officers, employees, agents, contractors, and affiliates from any claims, damages, liabilities, losses, or expenses arising from:

  • Your violation of these Terms
  • Your misuse of the Website
  • Your violation of applicable laws
  • Your infringement of third-party rights

11. Regulatory Compliance

Pawn transactions are governed by the California Financial Code, including Sections 21200 through 21201.

These Terms do not modify or waive any non-waivable statutory rights applicable to in-store pawn transactions.

All legally required loan disclosures are provided in writing at the time of in-store transaction.


12. Arbitration and Waiver of Jury Trial

Any dispute arising out of or relating to these Terms or Website use shall be resolved exclusively through binding arbitration in the State of California.

Arbitration shall be conducted under the rules of the American Arbitration Association.

You waive:

  • The right to trial by jury
  • The right to participate in a class action
  • The right to participate in class-wide arbitration

Arbitration shall be conducted on an individual basis only.


13. Governing Law

These Terms shall be governed by the laws of the State of California.

If arbitration is deemed unenforceable, exclusive jurisdiction shall lie in courts located in Los Angeles County, California.


14. Force Majeure

Adam Inc dba Amor Pawn Shop shall not be liable for delays or failures caused by events beyond reasonable control, including natural disasters, government actions, internet disruptions, labor disputes, or public emergencies.


15. No Agency Relationship

Nothing in these Terms creates an agency, partnership, joint venture, employment, or fiduciary relationship between you and Adam Inc dba Amor Pawn Shop.


16. Modifications

We reserve the right to modify these Terms at any time.

Changes become effective upon posting.

Continued use of the Website constitutes acceptance of updated Terms.


17. Contact Information

Adam Inc dba Amor Pawn Shop
10525 Long Beach Blvd
Lynwood, California 90262
Phone: 323-564-1500
Email: support@24hourpawnshopnearme.com

This Website provides general information regarding pawn services offered at physical store locations in California. This Website promotes pawn services conducted in person at physical store locations. No online loans, payments, or financial transactions are processed through this Website. All pawn transactions must be completed in person and are subject to applicable California state laws and regulations.

Copyright © 24hoursPawnShopnearme. All rights reserved

Powered by Aron Inc dba AY Consultant

Loan Fees and Privacy Policy

Personal Loan Disclaimer. Regarding Pawnshop store California Notice of Charges CFC 21003

A loan consists of a 130 days repayment period. Please read Disclosure of Loan Interest Fees rates, Annual Percentage Rate (APR) with terms and conditions: https://www.24hourpawnshopnearme.com/loan-fees-and-privacy-policy.html A. We provide a minimum and maximum period for repayment Annual Percentage Rate (APR), which generally includes the interest rate plus fees and other costs for a year based on California Law. B. Representative example of the total cost of the loan, including all applicable fees C. This loan has 180 to-be-paid loans from the date the loan is issued All loan interests $2,500 and under are regulated by the California State. California State Interest The following is the California law on basic interest charges for pawnshops as of January 1, 2023. The actual law can be found in California Financial Code Section 21200.5. The description of the law below has been rewritten in laymen’s terms. A 2.5% interest charge per month on the principal (loan amount) of the loan, including, but not more than $225. A 2% interest charge per month on a principle loan amount of more than $225, including, but not more than $900. A 1.5% interest charge per month on a principal loan amount in excess of $900, including, but not more than $1,650. A 1% interest charge per month on a principal loan amount from $1,650 to $2,499. Loans $2,500 & Over Interest is Negotiable for all loans starting from $2,500-$30,000, we have special programs for high-valued loans and our interest rate is lower then other financial lenders. Loans or Buys $2,500 and over must be called in prior to coming due to security restrictions. APR Details An example of a loan with an amount financed of $525 would incur in a 33.14% APR and the total amount due at the end of 120 days in order to redeem your item will be $599.75.

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