Terms & Conditions
Last updated: 4/14/2025
By using our website and services, you agree to the following terms and conditions:
General Use:
- You must be at least 18 years old to transact loans and sales with us.
- You agree to provide accurate information when using our services.
Purchases & Payments:
- All sales are final unless otherwise noted.
- We accept cash, major credit cards, and other approved payment methods.
- Layaway terms are as outlined at the time of purchase.
Returns, Exchanges & Warranties:
- Items can be returned within 30 days for store credit or exchange.
- Returned items must be in the same condition as when they were purchased.
- Items are sold as-is unless otherwise stated.
- Jewelry and electronics may come with store-tested assurance; details provided at purchase.
Pawn & Loan Services:
- Collateral loan terms are based on item value and in accordance with Arizona law.
- Interest and fees apply. Full terms are provided at the time of the loan.
Firearms & Transfers:
- Firearm transactions are subject to federal and state regulations.
- Buyer must comply with all legal requirements.
Limitation of Liability:
- We are not liable for indirect or consequential damages.
- Our liability is limited to the purchase price of the item or service.
Intellectual Property:
- All content on our site is owned by Heritage Loan Co. or used with permission.
- You may not reproduce or distribute any materials without consent.
Governing Law:
- These terms are governed by the laws of the State of Arizona.
Contact Us: If you have any questions about these terms, please contact us at info@heritageloanco.com.