Privacy Policy
This Privacy Policy describes how Luxury Asset Lenders ("we", "us", or "our") collects, uses, and shares information about you when you visit luxuryassetlenders.com or interact with our services. Luxury Asset Lenders is a marketing platform connecting customers with licensed lenders for collateral-backed loans. Most if not all loans are originated in California by licensed pawnbroker partners and conducted in accordance with California state laws.
Effective date: May 2026
Last updated: May 2026
1. Information we collect
Information you provide directly
When you submit a quote request, contact form, or otherwise interact with our services, we may collect:
- Name and contact information (email address, phone number)
- Asset information (description, photographs, estimated value, condition)
- Location information you choose to provide (city, state, ZIP)
- Any additional details you include in messages to us
Information collected automatically
When you visit our sites, we automatically collect limited technical data:
- IP address (truncated for analytics)
- Browser type and version, operating system, device type
- Pages visited, time on page, referring URL
- Approximate geographic location (city/region, derived from IP)
Cookies and similar technologies
See our Cookie Policy for full detail. Briefly: we use a small number of first-party cookies for site functionality and, with your consent, analytics cookies (Google Analytics 4) and advertising cookies (Meta Pixel).
2. How we use your information
We use information you provide to:
- Connect you with a licensed lender appropriate for your asset and location
- Respond to your inquiry or quote request
- Improve our marketing services and website
- Comply with legal obligations and protect against fraud or abuse
We do not sell your personal information for monetary consideration. See Section 7 below regarding the broader CCPA definition of "sharing."
3. How we share your information
With lender partners
When you submit a lead through our sites, we share your information with one or more licensed lender partners in our network so they can quote you. The recipient lender is selected based on your asset type, location, and our network coverage.
If you don't want your information shared with lender partners, do not submit a quote request. Once submitted, sharing with the appropriate lender(s) is necessary to provide the service you requested.
With service providers
We use third-party service providers for hosting (Cloudflare), email (Google Workspace), analytics (Google Analytics 4), and advertising (Meta). These providers have their own privacy practices. They process information on our behalf under contractual data-processing terms.
Legal compliance
We may disclose information if required by law, subpoena, or court order, or if necessary to protect rights, property, or safety.
4. Data retention
- Lead submissions: retained for up to 24 months after last interaction, then archived or deleted
- Server logs: 90 days
- Analytics data: per Google Analytics 4 default retention (currently 14 months)
- Cookies: per Cookie Policy
5. Your rights — California (CCPA / CPRA)
If you are a California resident, you have the following rights:
- Right to know what personal information we collect, use, share, and disclose
- Right to delete personal information we have collected (with limited exceptions)
- Right to correct inaccurate personal information
- Right to opt out of "sale" or "sharing" for cross-context behavioral advertising
- Right to limit use of sensitive personal information
- Right to non-discrimination for exercising your rights
To exercise any of these rights, email hi@luxuryassetloans.com with the subject line "CCPA Request" and describe your request. We will verify your identity (typically by asking you to confirm details from a recent submission) and respond within 45 days.
Do Not Sell or Share My Personal Information
We do not sell personal information for monetary consideration. We may "share" personal information for cross-context behavioral advertising under the broader CCPA/CPRA definition (specifically: through Meta Pixel and Google Analytics with advertising features enabled, when you have consented via our cookie banner).
To opt out of this "sharing":
- Click "Decline non-essential" on our cookie banner; or
- Email us at hi@luxuryassetloans.com with subject "Do Not Share"
We will honor Global Privacy Control (GPC) browser signals as an opt-out request.
6. Your rights — other states
Residents of states with comprehensive privacy laws (currently including but not limited to Colorado, Connecticut, Virginia, Utah, and Texas) have rights similar to CCPA. To exercise rights, follow the same process described in Section 5.
7. Security
We use industry-standard measures to protect your information: HTTPS encryption in transit, secure email handling, access controls on our systems, and least-privilege data sharing with partners. No system is perfectly secure; we cannot guarantee absolute security.
8. Children
Our services are not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has submitted information, contact us and we will delete it.
9. Changes to this policy
We may update this policy. Material changes will be reflected here with a new "Last updated" date. We may also notify you of material changes through the site or by email if you have a recent inquiry on file.
10. Contact
For privacy questions or requests:
Luxury Asset Lenders — Privacy
hi@luxuryassetloans.com