Terms of Use (Website)

1) Who we are. Cascade NC (“Company,” “we,” “us,” “our”) operates this website at https://www.cascadenc.com.

2) Eligibility & acceptable use. You must be 18+ to use the Site or submit a pawn/sell inquiry. You agree not to upload or offer items prohibited by law (e.g., stolen, counterfeit, hazardous, or otherwise unlawful goods) or to use the Site for any unlawful purpose.

3) Estimates & non-binding content. Online prices, quotes, gold/silver/platinum estimates, and content on the Site are informational only and not binding offers. Final values require in-person testing, verification of ownership, and valid government ID.

4) Accounts, submissions, & reviews. If you submit photos, descriptions, serial numbers, reviews, or messages (“User Content”), you grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute that content in connection with the Site and our business. You represent you own or are authorized to share it. We may moderate or remove User Content in our discretion.

5) Intellectual property. All Site content is owned by us or our licensors and protected by law. You may not copy, frame, scrape, or mirror content without written permission.

6) Third-party services. Links to third parties (payments, maps, texting platforms, analytics, etc.) are provided “as is.” We are not responsible for their content, policies, or availability.

7) Disclaimers & limitation of liability. The Site is provided “as is” and “as available” without warranties of any kind to the maximum extent permitted by law. To the fullest extent permitted, we disclaim indirect, incidental, special, consequential, or punitive damages, and our total liability shall not exceed the amount you paid (if any) to use the Site.

8) Indemnification. You agree to hold harmless and indemnify us from claims arising out of your misuse of the Site or violation of these Terms.

9) Governing law & venue. These Terms are governed by the laws of the State of North Carolina, with exclusive venue in the state or federal courts located in Mecklenburg County, NC.

10) Dispute resolution (optional arbitration). Optional—keep this only if you want arbitration: Any dispute will be resolved by binding arbitration administered by [AAA/JAMS] in Mecklenburg County, NC. You and we waive class actions. Either party may bring a qualifying claim in small-claims court.

11) Changes. We may update these Terms at any time. Continued use after posting means you accept the updated Terms.

12) Contact. Cascade NC, 4436 Park Road, Charlotte, NC 28209 • (704) 525-4646 • info@cascadenc.com

Privacy Policy (Pawn & Secondhand) • Last updated: October 10, 2025

1) Scope. This policy explains how we collect, use, share, and retain information via our Site, texting, in-store systems, and required pawn/secondhand reporting.

2) Information we collect.

• Contact details (name, phone, email, address).
• Government ID and identifiers (as required by NC pawn/secondhand laws).
• Item descriptions, photos, serial numbers, and related documentation.
• Security data (CCTV in-store), device/cookie/IP data online, payment information.
• Communications with us (calls, texts, emails, forms, reviews).

3) Why we collect it.

• To verify identity and lawful ownership; prevent fraud and theft.
• To comply with applicable laws and local reporting requirements for pawn and secondhand transactions.
• To provide services, process payments, and customer support.
• With consent, to send marketing communications (you can opt out).

4) Sharing.

• Service providers (POS, ticketing, texting platforms, payment processors, website/IT).
• Law enforcement and regulators as required or permitted by law.
• Business transfers (e.g., sale/merger) consistent with this policy.

5) Retention. We retain records for the periods required by North Carolina law and applicable local ordinances. CCTV footage is retained for security and legal obligations for a commercially reasonable period.

6) Your choices.

• Access/Correction: You may request access to and correction of your personal information.
• Marketing Opt-Out: Reply STOP to texts; use unsubscribe links for email; or contact us.
• Cookies: See our Cookie Notice for choices about analytics/ads cookies.

7) Texting (TCPA). By providing your phone number and clicking Submit, you consent to receive transactional and marketing text messages from us. Consent is not a condition of purchase. Message/data rates may apply. Frequency varies. Reply STOP to opt out; HELP for help.

8) Security. We use reasonable administrative, technical, and physical safeguards. No system is 100% secure.

9) Children. We do not knowingly collect data from children under 13, and transactions are limited to adults.

10) State privacy rights. Depending on your state, you may have additional rights (access, deletion, portability, appeal). To exercise rights, contact us at info@cascadenc.com or (704) 525-4646. If your state requires a “Do Not Sell/Share” option for targeted advertising, use the “Do Not Sell/Share My Info” link in our footer (if applicable).

11) Changes & contact. We may update this policy; material changes will be posted on the Site. Contact: Cascade NC, 4436 Park Road, Charlotte, NC 28209 • info@cascadenc.com.

North Carolina Pawn & Secondhand Disclosures (Charlotte, NC) • Last updated: October 10, 2025

This summary is provided for transparency and customer education. Your pawn ticket or purchase record controls, and North Carolina law governs.

1) Nature of a pawn loan. A pawn is a collateralized loan. You receive funds secured by your item; we retain possession until you redeem. No credit check.

2) Charges & caps (NC).

• Interest: up to 2% of the principal per month and anything under $500.00 is 22% monthly interest rate.
• Service/Storage/Insurance/Appraisal: monthly fees allowed, but total fees (excluding interest) may not exceed 20% of principal, and may be capped by statute per month (e.g., $100 first month; $75 second; $75 third; $50 each month thereafter). Your pawn ticket shows exact amounts.
• Returned-check fees may apply as allowed by law.

3) Term, grace & sale.

• Minimum original term: 30 days.
• If not redeemed, pledged goods may be sold or otherwise disposed of after the period allowed by law (commonly 60 days past maturity). Your pawn ticket states the maturity date and any grace period.

4) Records & holds.

• We maintain transaction records and provide required information to local law enforcement (Charlotte-Mecklenburg Police Department) in the manner and time frames they authorize (including electronic reporting).
• Items may be subject to law-enforcement holds. We cooperate fully with lawful investigations.

5) Care of pledged goods. We exercise reasonable care of pledged goods in our possession and will return them upon payoff and identification. Pledged goods are not sold or removed before the time allowed by law.

6) Prohibitions & eligibility.

• No transactions with anyone under 18; valid government ID required.
• Certain property cannot be pledged or purchased under NC law (examples include some titled vehicles, manufactured housing, etc.).

7) Military customers. We comply with protections for covered servicemembers and dependents under federal and state law (including, where applicable, the Military Lending Act).

8) Secondhand purchases. When we buy items outright (not as a loan), we verify identity, collect required details, and report as required by law. Some items may be subject to a police hold before resale.

9) No obligation to redeem. You are not required to redeem or make payments. Non-redemption may result in forfeiture as permitted by law; title may transfer to us upon forfeiture, consistent with NC law.

10) Contact. Cascade NC, 4436 Park Road, Charlotte, NC 28209 • (704) 525-4646 • info@cascadenc.com