Disclosures

This page provides operator and legal disclosures for LoanAgainstWatches (loanagainstwatches.com).

Effective date: May 2026

Operator

loanagainstwatches.com is operated as a generic marketing platform by LoanAgainstWatches. We connect customers with licensed lenders for collateral-backed loans. Most loans facilitated through our network are originated in California and underwritten by licensed California pawnbroker partners. Out-of-state clients are coordinated through our travel program for in-person appraisal in California. We do not originate loans, hold collateral, or set loan terms — those are functions of the partner lender selected at appraisal. Contact: [email protected].

What this site does — and does not do

LoanAgainstWatches is a marketing platform. We connect customers seeking collateral-backed loans against luxury watches, jewelry, fine art, gold, and other high-value assets with licensed lenders.

We do not:

Originate loans
Set loan terms, rates, or fees
Hold a customer's collateral
Make final lending decisions

These are all done by the originating licensed lender that quotes you after you submit a request.

How a typical engagement works

You submit a quote request through this site (description, photos, location)
We refer your request to a licensed lender appropriate for your asset and location
The licensed lender reviews and contacts you with preliminary terms
If you proceed, you arrange in-person appraisal — typically at our flagship California location, or at the licensed lender's premises
The licensed lender makes the final loan offer and originates the loan if you accept

Some assets and customers may require physical inspection before any binding offer can be made. The licensed lender controls that process.

FTC §255 — Affiliate / referral disclosure

We may receive referral compensation from licensed lender partners when a customer connection results in a funded loan. This is disclosed pursuant to FTC 16 CFR §255 (Guides Concerning the Use of Endorsements and Testimonials in Advertising). Compensation does not affect what we tell you about your loan or the lender — final terms come from the lender, not from us.

General loan information disclaimer

Figures, ranges, examples, and timelines shown anywhere on this site are general guidance only. They are not loan offers, commitments, or guarantees. Actual offers, eligibility, rates, fees, loan-to-value percentages, term lengths, and funding times are determined by the licensed lender at appraisal and stated in the loan documents you sign.

Service area

LoanAgainstWatches markets services across the United States. The actual licensed lender providing your loan must be licensed in the jurisdiction where the loan is originated. We do not currently offer service outside the United States.

For most customers, the most efficient path is in-person appraisal at the California flagship location of our primary lending partner. Customers who cannot or prefer not to travel to California may be referred to a licensed lender closer to them, when available, or to an insured-shipping appraisal arrangement.

No legal, tax, or financial advice

Information on this site is for general marketing purposes. It is not legal advice, tax advice, or personalized financial advice. Consult your own counsel and advisors for advice specific to your situation.

Updates

We may update terms, policies, and disclosures from time to time without prior notice. Material changes will be reflected on this page with a new "Effective date."

Contact for legal matters

Address legal correspondence to:

LoanAgainstWatches — Legal [email protected]

We will route to counsel as appropriate.

Disclosures.