Privacy Policy

Effective Date: June 2026

At St. Charles Pawn Shop (“we,” “us,” or “our”), your privacy matters. This Privacy Policy explains what we collect, why we collect it, how we use it, and the choices you have. It applies to our website and in-store services. By using our site or visiting our store, you agree to this Policy.

1) Information We Collect

Contact Details: Name, phone number, email, mailing address when you contact us or complete forms.
Transaction Data: Items bought/sold/pawned, serial numbers, receipts, loan records, photos of items.
Identity Verification: Government-issued ID as required by law for pawn transactions and secondhand sales.
Payment Details: Card brand and last four digits (we do not store full card numbers on our systems).
Website Usage: IP address, pages viewed, time on page, device/browser info, and cookies (see Cookies below).
Communications: Emails, texts, and messages you send to us; call notes if you phone the store.
Security Footage: In-store video surveillance for safety, loss prevention, and compliance.

2) How We Use Information

Provide services: process pawn loans, buys/sales, layaways, repairs, and customer support.
Meet legal obligations: recordkeeping and reporting required for pawn/secondhand transactions.
Protect our customers and business: prevent fraud, verify identity, secure our premises and systems.
Improve the site and store operations: troubleshoot, analyze traffic, and enhance user experience.
Communicate with customers regarding transactions, appointments, inquiries, and important updates.

3) How We Share Information

We do not sell or rent your personal information. We may share limited data with:

Service providers who help run our website, payments, or IT services under confidentiality obligations.
Law enforcement agencies, regulators, or government authorities when legally required.
Parties involved in a business transfer if we sell, merge, or reorganize the business.

4) Cookies & Analytics

Our site uses cookies and similar technologies to help the website function properly, remember preferences, and understand website traffic. We may use analytics tools to understand how visitors use our website, such as which pages are viewed and how users navigate the site. This information helps us improve website performance and user experience.

You can manage or disable non-essential cookies through our cookie consent settings or through your browser settings. Some website features may not function properly if cookies are disabled.

5) Data Retention

We keep pawn and secondhand transaction records, including ID scans, for the periods required by applicable laws. Website and marketing data is kept only as long as needed for the purposes described in this Policy or as required by law. Security camera footage is retained for a limited time unless needed for an investigation.

6) Your Choices

Marketing: You may opt out of promotional emails or texts by following unsubscribe instructions or contacting us directly.
Cookies: You may manage cookie preferences through our cookie banner or browser settings.
Access/Update: Contact us to request access to certain information we maintain about you or to correct inaccuracies, subject to verification and applicable law.
Deletion: We will delete information we are not legally required to keep after verifying your identity.

7) Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No system is completely secure, but we take reasonable measures to protect the information entrusted to us.

8) Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children.

9) Third-Party Links

Our website may contain links to third-party websites that we do not control. Their privacy practices are governed by their own policies.

10) Changes to This Policy

We may update this Privacy Policy from time to time. The Effective Date above reflects the most current version. Material changes will be posted on this page.

11) Contact Us

St. Charles Pawn Shop
Phone: (636) 946-6192
Email: info@stcharlespawnshop.com

If you have questions, requests, or concerns regarding this Privacy Policy, please contact us using the information above.