Generated by All in One SEO Pro v5.0.0.1, this is an llms-full.txt file, used by LLMs to index the site. # Luxury Asset Capital Leverage your past, not your future. ## Posts ### [Inside The Pawn Shop For The Ultra-Rich](https://luxuryassetcapital.com/inside-the-pawn-shop-for-the-ultra-rich/) **Published:** April 19, 2026 **Author:** admin **Content:** ##### From rare Rolexes and Birkin bags to multimillion-dollar art collections, wealthy borrowers are unlocking quick cash from luxury assets—skipping banks and paperwork in favor of speed and discretion. Inside a climate-controlled room at lender Luxury Asset Capital’s Manhattan office, rows of Hermès handbags line the shelves: Mini Kellys in exotic skins worth roughly $75,000 each, diamond-encrusted Birkin bags and other limited-edition pieces that are worth six figures. Nearby, a first edition of *The Catcher in the Rye* (which can sell for as much as $50,000) sits alongside contemporary artwork, including a Yoshitomo Nara drawing, worth more than $200,000. Down the hall, safes hold scores of Rolex watches, diamonds and gold jewelry, all meticulously tagged and sealed. And none of it is for sale. #### [Check out the full article here >](https://www.forbes.com/sites/sergeiklebnikov/2026/04/19/inside-the-pawn-shop-for-the-ultra-rich/) [![Graphic text that reads 'AS SEEN IN Forbes' with 'Forbes' in a large black serif font.](https://luxuryassetcapital.com/wp-content/uploads/asseenin.png "asseenin | Luxury Asset Capital")](https://www.forbes.com/sites/sergeiklebnikov/2026/04/19/inside-the-pawn-shop-for-the-ultra-rich/) **Categories:** Press --- ### [5 Things Every CEO Should Know About Navigating The World Of Finance](https://medium.com/authority-magazine/5-things-every-ceo-should-know-about-navigating-the-world-of-finance-with-dewey-burke-d7d0a8468878) **Published:** February 8, 2022 **Author:** admin **Excerpt:** Never lose sight of the fact that you are in the business of helping people. As a lender, it’s easy sometimes to get hung up in the metrics of the business, whether it’s the conversion rate of our marketing programs to our average loan size or the size of our aggregate loan portfolio **Categories:** Press --- ### [Buy, Sell, Hold: Spotlight #49 – Katelyn Conlon – Chief Revenue Officer at Luxury Asset Capital](https://www.youtube.com/watch?v=4KGN-VQulRk) **Published:** February 4, 2024 **Author:** admin **Excerpt:** On this week’s Buy, Sell, Hold: Spotlight, Katelyn Conlon, Chief Revenue Officer of Luxury Asset Capital is our guest. She and Host Darin Roberge talk the company’s origin, their mission and the advantages of leveraging stored and/or unused collectibles and luxury assets. **Content:** On this week’s Buy, Sell, Hold: Spotlight, Katelyn Conlon, Chief Revenue Officer of Luxury Asset Capital is our guest. She and Host Darin Roberge talk the company’s origin, their mission and the advantages of leveraging stored and/or unused collectibles and luxury assets. **Categories:** Press --- ### [Fox Business Network Interview with Luxury Asset Financing Expert Dewey Burke](https://www.youtube.com/watch?v=BfFIAF394OU&t) **Published:** February 5, 2024 **Author:** admin **Excerpt:** NEW YORK -- The alternative finance market is a dynamic and rapidly evolving industry that is changing the way individuals and businesses access funding and invest their money. With the global alternative finance market valued at $173.9 billion in 2022, and projected to reach $920.9 billion by 2032 it is no surprise luxury asset financing has become a booming industry. As prices for luxury goods climb, Business Owners, CEO's, and high-net-worth individuals are looking to fund new ventures without having to sell their prized possessions. Dewey Burke is the Founder and Chief Executive Officer of Luxury Asset Capital, a leader in the alternative finance segment that provides loans using borrowers' luxury assets as collateral. Under his leadership, the company acquired its two largest competitors, Borro (January 2019) and Beverly Hills and New York Loan Company (December 2021). Their brands have loaned over one billion dollars to tens of thousands of clients across the country, making Luxury Asset Capital the nation's largest privately-held provider of non-bank loans that use borrowers' luxury assets as collateral. **Content:** NEW YORK — The alternative finance market is a dynamic and rapidly evolving industry that is changing the way individuals and businesses access funding and invest their money. With the global alternative finance market valued at $173.9 billion in 2022, and projected to reach $920.9 billion by 2032 it is no surprise luxury asset financing has become a booming industry. As prices for luxury goods climb, Business Owners, CEO’s, and high-net-worth individuals are looking to fund new ventures without having to sell their prized possessions. Dewey Burke is the Founder and Chief Executive Officer of Luxury Asset Capital, a leader in the alternative finance segment that provides loans using borrowers’ luxury assets as collateral. Under his leadership, the company acquired its two largest competitors, Borro (January 2019) and Beverly Hills and New York Loan Company (December 2021). Their brands have loaned over one billion dollars to tens of thousands of clients across the country, making Luxury Asset Capital the nation’s largest privately-held provider of non-bank loans that use borrowers’ luxury assets as collateral. **Categories:** Press --- ### [Luxury Asset Capital Announces Two Strategic Acquisitions](https://www.businesswire.com/news/home/20220324005687/en/Luxury-Asset-Capital-Announces-Two-Strategic-Acquisitions) **Published:** March 24, 2022 **Author:** admin **Excerpt:** DENVER--(BUSINESS WIRE)--Luxury Asset Capital®, a leading provider of alternative financing, today announced its acquisition of Beverly Loan Company **Categories:** Press --- ### [Luxury Asset Capital Establishes Luxury and Collector Car Division in Beverly Hills](https://www.businesswire.com/news/home/20220519005770/en/Luxury-Asset-Capital-Establishes-Luxury-and-Collector-Car-Division-in-Beverly-Hills) **Published:** May 20, 2022 **Author:** admin **Excerpt:** BEVERLY HILLS, Calif.--(BUSINESS WIRE)--Luxury Asset Capital®, a leading provider of alternative financing, today announced the establishment of its Luxury and Collector Car Division. **Categories:** Press --- ### [Luxury Asset Capital Announces Key Initiatives to Accelerate Growth](https://www.businesswire.com/news/home/20191030005673/en/Luxury-Asset-Capital-Announces-Key-Initiatives-Accelerate) **Published:** February 8, 2022 **Author:** admin **Excerpt:** DENVER--(BUSINESS WIRE)--Luxury Asset Capital®, a leading provider of alternative financing, today announced several key initiatives to sustain its rapid growth rate, including strategic marketing and sales hires, opening a New York City office, and entering into a definitive agreement to purchase a competitor in the alternative financing market. **Categories:** Press --- ### [Luxury Asset Capital Acquires and Relaunches Borro](https://debanked.com/2020/02/luxury-asset-capital-acquires-and-relaunches-borro/) **Published:** February 8, 2022 **Author:** admin **Excerpt:** Luxury Asset Capital, the Denver-based lender that secures financing against goods such as Ferraris and Rolexes, has announced this month that it has acquired Borro and will be relaunching borro.com. LAC did not disclose the purchase price. **Categories:** Press --- ### [Luxury Asset Capital Acquires and Re-Launches Borro Private Finance](https://www.businesswire.com/news/home/20200213005156/en/Luxury-Asset-Capital-Acquires-Re-Launches-Borro-Private) **Published:** February 8, 2022 **Author:** admin **Excerpt:** Strong brands, financial stability, and service excellence establish Luxury Asset Capital as the clear leader in non-bank lending using the borrower’s luxury assets as collateral. **Categories:** Press --- ### [WatchBox And Luxury Asset Capital Let You Borrow Against Your Best Watch](https://www.forbes.com/sites/lauriekahle/2018/12/07/watchbox-and-luxury-asset-capital-let-you-borrow-against-your-best-watch/?sh=2c2f14687450) **Published:** February 8, 2022 **Author:** admin **Excerpt:** WatchBox, the Philadelphia-based e-commerce platform for buying, selling, and trading pre-owned luxury watches has partnered with alternative financing specialist Luxury Asset Capital to offer fast cash to watch owners who wish to unlock the value of their collections rather than seek traditional lines of credit. **Categories:** Press --- ### [WatchBox launches specialty financial services with Luxury Asset Capital](https://usa.watchpro.com/watchbox-launches-specialty-financial-services-luxury-asset-capital/) **Published:** December 15, 2021 **Author:** admin **Excerpt:** WatchBox has partnered with Luxury Asset Capital™ to provide specialty financial services to enable its clients quick access to capital. The capital will be backed by luxury timepieces or other luxury assets held as loan collateral by Luxury Asset Capital. WatchBox hopes the move can allow its customers to realise a broader range of options for their timepieces. **Categories:** Press --- ### [The Business of Collateralizing Luxury Goods](https://finance.yahoo.com/video/business-collateralizing-luxury-goods-214414858.html) **Published:** February 8, 2022 **Author:** admin **Excerpt:** Dewey Burke, Luxury Asset Capital CEO, joins The Final Round highlighting the changes in the alternative lending space with high-net-worth individuals and the company's business model. **Categories:** Press --- ### [20 Minutes With: Dewey Burke, Founder & CEO of Luxury Asset Capital](https://www.barrons.com/articles/20-minutes-with-dewey-burke-founder-ceo-of-luxury-asset-capital-01594662638) **Published:** February 8, 2022 **Author:** admin **Excerpt:** At a time when traditional lenders have become overwhelmed and bogged down with high volume and government programs, collectors with valuable luxury assets—watches, jewelry, gems, cars, and more—have an alternative borrowing outlet with collateral lending firms, such as Luxury Asset Capital. **Categories:** Press --- ### [Luxury Asset Capital and Vintage Motor Management Partner](https://www.businesswire.com/news/home/20200304005471/en/Luxury-Asset-Capital-Vintage-Motor-Management-Partner) **Published:** February 8, 2022 **Author:** admin **Excerpt:** The partnership provides a range of expert services for collectors and enthusiasts using their automobiles as collateral for Luxury Asset Capital loans **Categories:** Press --- ## Pages ### [Home](https://luxuryassetcapital.com/) **Published:** December 16, 2021 **Author:** admin **Content:** ["Inside the Pawn Shop for the Ultra Rich" — **Read our exclusive feature in Forbes.**](https://luxuryassetcapital.com/inside-the-pawn-shop-for-the-ultra-rich/) Apply Now ## Leverage ## your ## past, ## not ## your ## future... ### About ### Us Luxury Asset Capital® is the leading provider of confidential non-bank loans that use borrowers’ luxury assets as collateral. The company serves clients through its highly trusted brands including Borro, Beverly Loan Company, Palm Beach Loan Company and New York Loan Company, providing short-term loans that fund in 1-2 business days using a borrower’s luxury asset(s) as collateral. Our brands have loaned over one billion dollars to tens of thousands of clients across the country making Luxury Asset Capital the nation’s largest privately-held provider of non-bank loans that use borrowers’ luxury assets as collateral. ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) ![Image](https://luxuryassetcapital.com/wp-content/uploads/palm-beach-loan_logo-scaled.png) ## OUR BRANDS ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) Serving clients in all 50 states through its industry-leading online lending platform, Borro makes it possible to obtain a loan using luxury assets as collateral from the convenience of a client’s home. With Borro, luxury assets (with the exception of cars and real estate) that are used as loan collateral are securely shipped and insured to its headquarters at Borro’s expense for expert valuation and secure storage. The loan contract is sent via DocuSign for clients to complete electronically, and funds are wired to a borrower’s bank, with the entire process typically taking 1-2 business days. Clients may also visit one of the company’s physical locations in [**New York, Denver, or Beverly Hills**](#contact) to conduct business with Borro. Please call [**(720) 458-6788**](tel:7204586788) or visit [**borro.com**](https://www.borro.com) for more information or to apply for a loan. [BORRO.COM](https://borro.com/) ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) New York Loan Company provides loans using luxury assets as collateral to clients in the New York Metropolitan area located in private offices near Bryant Park between 6th Avenue and Broadway. Clients can bring in luxury assets for immediate expert valuation and loan funding. Please call [**(212) 997-5626**](tel:2129975626) or visit [**newyorkloan.com**](https://newyorkloan.com/) for more information or to schedule an in-person appointment with one of our New York Loan Client Engagement specialists. [newyorkloan.com](https://newyorkloan.com/) ![Image](https://luxuryassetcapital.com/wp-content/uploads/palm-beach-loan_logo-scaled.png) Palm Beach Loan Company provides loans using luxury assets as collateral to clients in the South Florida region from its offices in Palm Beach. Clients can bring in luxury assets for immediate expert valuation and loan funding. Please call [(561) 907-8899](tel:5619078899) or visit [palmbeachloan.com](http://palmbeachloan.com) for more information or to schedule an in-person appointment with one of our Palm Beach loan specialists. [palmbeachloan.com](https://palmbeachloan.com/) ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) Beverly Loan Company provides loans using luxury assets as collateral to clients in the greater Los Angeles region from its offices in the Beverly Hills Bank of America Building, located on the corner of Santa Monica Boulevard and Beverly Drive. Clients can bring in luxury assets for immediate expert valuation and loan funding. Please call [**(310) 275-2555**](tel:3102752555) or visit **[beverlyloan.com](https://www.beverlyloan.com/)** for more information or to schedule an in-person appointment with one of our Beverly Hills loan specialists. [beverlyloan.com](https://www.beverlyloan.com/) ## Our Lending Process Our experts evaluate the assets intended to be used as loan collateral and provide capital based on a loan to value (LTV) ratio of typically 50-70% of its current secondary market value. Upon execution, we take possession of the asset (or in some cases just the title) and store the asset (or become a lienholder), and wire the capital. Assets can be shipped to us (we pay for secure and fully insured shipping) or brought to our [**New York, Denver, or Beverly Hills office locations**](#contact). ![Image](https://luxuryassetcapital.com/wp-content/uploads/adam-bignell-FmFNtk_c4BQ-unsplash-scaled-1-e1645027506791.jpg)Luxury Watches ![Image](https://luxuryassetcapital.com/wp-content/uploads/matheus-bardemaker-1aL_hnQb_wc-unsplash-scaled-1-e1645027599685.jpg)Luxury & Classic Cars ![Image](https://luxuryassetcapital.com/wp-content/uploads/sabrinna-ringquist-Y_bxfTa_iUA-unsplash-e1645028020611.jpg)Fine Jewelry & Diamonds ![Image](https://luxuryassetcapital.com/wp-content/uploads/pexels-michael-steinberg-366551-e1645027822175.jpg)Gold & Precious Metals ![Image](https://luxuryassetcapital.com/wp-content/uploads/mona-siswanto-Q61Hg6oh_8Q-unsplash-1-1-e1645027645105.jpg)Designer Handbags & Accessories ![Image](https://luxuryassetcapital.com/wp-content/uploads/matteo-vistocco-mJUpopBUGsg-unsplash.jpg)Fine Art ![Image](https://luxuryassetcapital.com/wp-content/uploads/webaliser-_TPTXZd9mOo-unsplash-e1628536169563.jpg)Luxury Real Estate ![Image](https://luxuryassetcapital.com/wp-content/uploads/avengers.jpg)Premier Auction Collateral Any assets we take possession of are stored in secure locations with the utmost care and privacy. Our interest rates are, on average, 2-4% per month based on the asset type, loan amount, and term of the loan requested by our clients. Upon repayment of the principal loan and any outstanding monthly fees, we return the asset or can maintain storage until clients decide to draw capital again. [Learn More](#contact) ## OUR TEAM ![Image](https://luxuryassetcapital.com/wp-content/uploads/dewey.jpg)Dewey Burke Founder & CEO ![Image](https://luxuryassetcapital.com/wp-content/uploads/brian.jpg)Brian Cornick Chief Financial Officer ![Image](https://luxuryassetcapital.com/wp-content/uploads/katelyn-hs.jpg)Katelyn Conlon Chief Revenue Officer ![Image](https://luxuryassetcapital.com/wp-content/uploads/2021/12/richard-1024x768.jpg)Richard Shults Chief Valuation Officer GIA Graduate Gemologist ![Image](https://luxuryassetcapital.com/wp-content/uploads/erinwilson.jpg)Erin Wilson Head of Marketing and Strategic Partnerships ![Image](https://luxuryassetcapital.com/wp-content/uploads/chloe.jpg)Chloe Kilburn, M.A. Executive Vice President of Fine Art Head of New York Office ![Portrait of a woman wearing large rectangular glasses and a dark button-down shirt, facing the camera with a neutral expression.](https://luxuryassetcapital.com/wp-content/uploads/caitlin.png)Caitlin St John Senior Vice President of Valuations ![Professional headshot of a woman with dark hair, glasses, and a black blazer, smiling softly against a white background.](https://luxuryassetcapital.com/wp-content/uploads/mitzy-2.jpg)Mitzy Colledge Senior Director of Client Management ![Image](https://luxuryassetcapital.com/wp-content/uploads/ryan-2.jpg)Ryan Richter Senior Director Head of Palm Beach Office ![Image](https://luxuryassetcapital.com/wp-content/uploads/kim.jpg)Kim Mrvos Vice President of Client Relations ![Image](https://luxuryassetcapital.com/wp-content/uploads/conner.jpg)Conner Cole, GG GG Vice President, Head of Collector Car Division & Beverly Hills Office ![Image](https://luxuryassetcapital.com/wp-content/uploads/deah-hs.jpg)Deah Jones, GD (GIA) Director of Client Management ![Image](https://luxuryassetcapital.com/wp-content/uploads/brad.jpg)Brad Powell, GD (GIA) Senior Director of Valuation ![Professional headshot of a smiling woman in a white blouse, looking at the camera.](https://luxuryassetcapital.com/wp-content/uploads/update-becky.jpg)Becky McDonnell, GD (GIA) Senior Director of Client Engagement ![Smiling woman with shoulder-length hair in a black V-neck top, looking at the camera.](https://luxuryassetcapital.com/wp-content/uploads/jen-new.jpg)Jennifer Brown Senior Director of Client Engagement ![Image](https://luxuryassetcapital.com/wp-content/uploads/katie.jpg)Lizzie Franco Sr. Director of Fine Art New York Office Manager ![Black-and-white headshot of a woman with long wavy hair, wearing a blazer and a subtle necklace, looking at the camera with a soft smile.”] ,](https://luxuryassetcapital.com/wp-content/uploads/amanda.jpg)Amanda Berg Senior Director of Client Management ![Image](https://luxuryassetcapital.com/wp-content/uploads/Ryan-1.jpg)Ryan Laurence Director of Client Management ![Image](https://luxuryassetcapital.com/wp-content/uploads/rita-bw.jpg)Rita Azaryan Senior Director of Client Engagement ![Image](https://luxuryassetcapital.com/wp-content/uploads/carlos-hs.jpg)Carlos Ramirez Director of Client Management ![Image](https://luxuryassetcapital.com/wp-content/uploads/alison-hs.jpg)Alison Daley Director of Valuations and Inventory Sales ![Image](https://luxuryassetcapital.com/wp-content/uploads/laura.jpg)Laura Serrano Senior Director of Accounting ![Image](https://luxuryassetcapital.com/wp-content/uploads/christina.jpg)Christina Lobato Staff Accountant ## NEWS [![Featured image for “Inside The Pawn Shop For The Ultra-Rich”](https://luxuryassetcapital.com/wp-content/uploads/dewey.png)## Inside The Pawn Shop For The Ultra-Rich From rare Rolexes and Birkin bags to multimillion-dollar art collections, wealthy borrowers are unlocking quick cash from luxury assets—skipping banks…](https://luxuryassetcapital.com/inside-the-pawn-shop-for-the-ultra-rich/)[![Featured image for “Fox Business Network Interview with Luxury Asset Financing Expert Dewey Burke”](https://luxuryassetcapital.com/wp-content/uploads/fb.png)## Fox Business Network Interview with Luxury Asset Financing Expert Dewey Burke NEW YORK — The alternative finance market is a dynamic and rapidly evolving industry that is changing the way individuals…](https://www.youtube.com/watch?v=BfFIAF394OU&t)[![Featured image for “Buy, Sell, Hold: Spotlight #49 – Katelyn Conlon – Chief Revenue Officer at Luxury Asset Capital”](https://luxuryassetcapital.com/wp-content/uploads/Screenshot-2024-02-05-at-1.34.32 PM.png)## Buy, Sell, Hold: Spotlight #49 – Katelyn Conlon – Chief Revenue Officer at Luxury Asset Capital On this week’s Buy, Sell, Hold: Spotlight, Katelyn Conlon, Chief Revenue Officer of Luxury Asset Capital is our guest. She…](https://www.youtube.com/watch?v=4KGN-VQulRk)[![Featured image for “Luxury Asset Capital Establishes Luxury and Collector Car Division in Beverly Hills”](https://luxuryassetcapital.com/wp-content/uploads/business.png)## Luxury Asset Capital Establishes Luxury and Collector Car Division in Beverly Hills BEVERLY HILLS, Calif.–(BUSINESS WIRE)–Luxury Asset Capital®, a leading provider of alternative financing, today announced the establishment of its Luxury and…](https://www.businesswire.com/news/home/20220519005770/en/Luxury-Asset-Capital-Establishes-Luxury-and-Collector-Car-Division-in-Beverly-Hills)[![Featured image for “Luxury Asset Capital Announces Two Strategic Acquisitions”](https://luxuryassetcapital.com/wp-content/uploads/business.png)## Luxury Asset Capital Announces Two Strategic Acquisitions DENVER–(BUSINESS WIRE)–Luxury Asset Capital®, a leading provider of alternative financing, today announced its acquisition of Beverly Loan Company…](https://www.businesswire.com/news/home/20220324005687/en/Luxury-Asset-Capital-Announces-Two-Strategic-Acquisitions)[![Featured image for “The Business of Collateralizing Luxury Goods”](https://luxuryassetcapital.com/wp-content/uploads/yahoo.png)## The Business of Collateralizing Luxury Goods Dewey Burke, Luxury Asset Capital CEO, joins The Final Round highlighting the changes in the alternative lending space with high-net-worth…](https://finance.yahoo.com/video/business-collateralizing-luxury-goods-214414858.html)[![Featured image for “20 Minutes With: Dewey Burke, Founder & CEO of Luxury Asset Capital”](https://luxuryassetcapital.com/wp-content/uploads/penta.png)## 20 Minutes With: Dewey Burke, Founder & CEO of Luxury Asset Capital At a time when traditional lenders have become overwhelmed and bogged down with high volume and government programs, collectors with…](https://www.barrons.com/articles/20-minutes-with-dewey-burke-founder-ceo-of-luxury-asset-capital-01594662638)[![Featured image for “5 Things Every CEO Should Know About Navigating The World Of Finance”](https://luxuryassetcapital.com/wp-content/uploads/authority.png)## 5 Things Every CEO Should Know About Navigating The World Of Finance Never lose sight of the fact that you are in the business of helping people. As a lender, it’s easy…](https://medium.com/authority-magazine/5-things-every-ceo-should-know-about-navigating-the-world-of-finance-with-dewey-burke-d7d0a8468878)[![Featured image for “Luxury Asset Capital and Vintage Motor Management Partner”](https://luxuryassetcapital.com/wp-content/uploads/business.png)## Luxury Asset Capital and Vintage Motor Management Partner The partnership provides a range of expert services for collectors and enthusiasts using their automobiles as collateral for Luxury Asset…](https://www.businesswire.com/news/home/20200304005471/en/Luxury-Asset-Capital-Vintage-Motor-Management-Partner)[![Featured image for “Luxury Asset Capital Acquires and Relaunches Borro”](https://luxuryassetcapital.com/wp-content/uploads/debanked.png)## Luxury Asset Capital Acquires and Relaunches Borro Luxury Asset Capital, the Denver-based lender that secures financing against goods such as Ferraris and Rolexes, has announced this month…](https://debanked.com/2020/02/luxury-asset-capital-acquires-and-relaunches-borro/)[![Featured image for “Luxury Asset Capital Acquires and Re-Launches Borro Private Finance”](https://luxuryassetcapital.com/wp-content/uploads/business.png)## Luxury Asset Capital Acquires and Re-Launches Borro Private Finance Strong brands, financial stability, and service excellence establish Luxury Asset Capital as the clear leader in non-bank lending using the…](https://www.businesswire.com/news/home/20200213005156/en/Luxury-Asset-Capital-Acquires-Re-Launches-Borro-Private)[![Featured image for “WatchBox And Luxury Asset Capital Let You Borrow Against Your Best Watch”](https://luxuryassetcapital.com/wp-content/uploads/forbes.png)## WatchBox And Luxury Asset Capital Let You Borrow Against Your Best Watch WatchBox, the Philadelphia-based e-commerce platform for buying, selling, and trading pre-owned luxury watches has partnered with alternative financing specialist Luxury…](https://www.forbes.com/sites/lauriekahle/2018/12/07/watchbox-and-luxury-asset-capital-let-you-borrow-against-your-best-watch/?sh=2c2f14687450) ## CONTACT US Serving clients in all 50 states through our industry-leading online lending platform or visit us in person at one of our flagship locations. **Call, email, or visit us today!** ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) ### Beverly Hills 9440 S. Santa Monica Boulevard | Suite 101 Beverly Hills, CA 90210 **[310.275.2555](tel:3102752555)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) ### New York 110 West 40th Street New York, NY 10018 **[212.997.5626](tel:2129975626)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/palm-beach-loan_logo-scaled.png) ### Palm Beach 555 N. Congress Ave Boynton Beach, FL 33426 **[561.907.8899](tel:5619078899)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) ### Denver 4100 E Mississippi Ave | Suite 1850 Denver, CO 80246 **[720.458.6788](tel:7204586788)** --- ### [Referral](https://luxuryassetcapital.com/the-lux-exchange/referral/) **Published:** September 16, 2025 **Author:** admin **Content:** ## The ## Lux ## Exchange ## Referrals [Learn More](#process) ### Thank You For ### Your Purchase #### You Have Amazing Taste - Take 5% off your next purchase You are invited to indulge, not only do YOU get 5% off your next purchase today, you also can refer a friend to us, and you both get 10% off a purchase! To claim discounts, please email **** with your full name, date of previous purchase, and code: **LuxFriend1850** ### Online Alternative ### Financing #### Luxury Asset Capital is a leader in the fast-growing online alternative financing market. Through its retail sales brand, The Lux Exchange, the company is very active in the retail exchange of luxury assets, buying and selling millions of dollars of luxury goods. Examples of what we sell: Fine Jewelry, Watches, GIA Certified Diamonds, Precious Metals, Designer Handbags & Luxury Accessories, Antique Items, Designer Clothing, Collectables, and more. ![Image](https://luxuryassetcapital.com/wp-content/uploads/vc.png)[Explore Vestiaire](https://us.vestiairecollective.com/profile/30795795/?sortBy=relevance&tab=items-for-sale)[![Image](https://luxuryassetcapital.com/wp-content/uploads/vest.png)](vestiairecollective.com/profile/30795795) ![Image](https://luxuryassetcapital.com/wp-content/uploads/ebay-logo.png)[Explore Ebay](https://www.ebay.com/str/pawngodeals)[![Image](https://luxuryassetcapital.com/wp-content/uploads/ebay.png)](http://ebay.com/str/pawngodeals) ![Image](https://luxuryassetcapital.com/wp-content/uploads/etsy-logo.png)[Explore Etsy](https://www.etsy.com/shop/theluxexchange/?etsrc=sdt)[![Image](https://luxuryassetcapital.com/wp-content/uploads/etsy.png)](theluxexchange.etsy.com) ![Image](https://luxuryassetcapital.com/wp-content/uploads/buya-1.png)[Explore Buya](https://www.buya.com/Store/LUXURY-ASSET-CAPITAL/846)[![Image](https://luxuryassetcapital.com/wp-content/uploads/buya.png)](buya.com/Store/LUXURY-ASSET-CAPITAL/846) ## CONTACT US Serving clients in all 50 states through our industry-leading online lending platform or visit us in person at one of our flagship locations. **Call, email, or visit us today!** ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) ### Beverly Hills 9440 S. Santa Monica Boulevard Suite 101 Beverly Hills, CA 90210 **[310.275.2555](tel:3102752555)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) ### New York 50 West 47th Street Suite 319 New York, NY 10036 **[212.997.5626](tel:2129975626)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) ### Denver 4100 E Mississippi Ave Suite 1850 Denver, CO 80246 **[720.458.6788](tel:7204586788)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/map.png) --- ### [The Lux Exchange](https://luxuryassetcapital.com/the-lux-exchange/) **Published:** September 16, 2025 **Author:** admin **Content:** ## The ## Lux ## Exchange [Learn More](#process) ### Online Alternative ### Financing #### Luxury Asset Capital is a leader in the fast-growing online alternative financing market. Through its retail sales brand, The Lux Exchange, the company is very active in the retail exchange of luxury assets, buying and selling millions of dollars of luxury goods. Examples of what we sell: Fine Jewelry, Watches, GIA Certified Diamonds, Precious Metals, Designer Handbags & Luxury Accessories, Antique Items, Designer Clothing, Collectables, and more. ![Image](https://luxuryassetcapital.com/wp-content/uploads/vc.png)[Explore Vestiaire](https://us.vestiairecollective.com/profile/30795795/?sortBy=relevance&tab=items-for-sale)[![Image](https://luxuryassetcapital.com/wp-content/uploads/vest.png)](vestiairecollective.com/profile/30795795) ![Image](https://luxuryassetcapital.com/wp-content/uploads/ebay-logo.png)[Explore Ebay](https://www.ebay.com/str/pawngodeals)[![Image](https://luxuryassetcapital.com/wp-content/uploads/ebay.png)](http://ebay.com/str/pawngodeals) ![Image](https://luxuryassetcapital.com/wp-content/uploads/etsy-logo.png)[Explore Etsy](https://www.etsy.com/shop/theluxexchange/?etsrc=sdt)[![Image](https://luxuryassetcapital.com/wp-content/uploads/etsy.png)](theluxexchange.etsy.com) ![Image](https://luxuryassetcapital.com/wp-content/uploads/buya-1.png)[Explore Buya](https://www.buya.com/Store/LUXURY-ASSET-CAPITAL/846)[![Image](https://luxuryassetcapital.com/wp-content/uploads/buya.png)](buya.com/Store/LUXURY-ASSET-CAPITAL/846) ## CONTACT US Serving clients in all 50 states through our industry-leading online lending platform or visit us in person at one of our flagship locations. **Call, email, or visit us today!** ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) ### Beverly Hills 9440 S. Santa Monica Boulevard Suite 101 Beverly Hills, CA 90210 **[310.275.2555](tel:3102752555)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) ### New York 50 West 47th Street Suite 319 New York, NY 10036 **[212.997.5626](tel:2129975626)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) ### Denver 4100 E Mississippi Ave Suite 1850 Denver, CO 80246 **[720.458.6788](tel:7204586788)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/map.png) --- ### [Line of Credit](https://luxuryassetcapital.com/line-of-credit/) **Published:** May 5, 2022 **Author:** admin **Content:** ## Luxury ## Asset ## Capital ## Line ## of ## Credit [Learn More](#process) ### Luxury Line of ### Credit #### A Revolving Line of Credit For Ongoing, Immediate Access to Capital Whenever you Need it Luxury Asset Capital’s Luxury Line of Credit is the loan product for clients who require ongoing, same-day access to capital. Our credit line is based on our valuation of one or more luxury assets that are securely stored by us as collateral at no cost\* as long as your Luxury Line of Credit account is in effect. Interest is paid monthly on the loan balance at a fixed interest rate. * Except automobiles and very large size assets **Features**- Immediate funding after account setup - No personal guarantee - No credit check or lengthy paperwork - Credit lines up to $5,000,000 **Benefits**- Apply once, revolve credit line to borrow multiple times - Same-day access to capital through just a phone call - Free secure storage of your asset except\* [Contact Us To Learn More](#contact) ![Image](https://luxuryassetcapital.com/wp-content/uploads/image.png) ## CONTACT US Serving clients in all 50 states through our industry-leading online lending platform or visit us in person at one of our flagship locations. **Call, email, or visit us today!** ![Image](https://luxuryassetcapital.com/wp-content/uploads/Beverly-Loan-logo-large.png) ### Beverly Hills 9440 S. Santa Monica Boulevard Suite 101 Beverly Hills, CA 90210 **[310.275.2555](tel:3102752555)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/NY-Loan-logo-med.png) ### New York 50 West 47th Street Suite 319 New York, NY 10036 **[212.997.5626](tel:2129975626)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/borro-logo.png) ### Denver 4100 E Mississippi Ave Suite 1850 Denver, CO 80246 **[720.458.6788](tel:7204586788)** ![Image](https://luxuryassetcapital.com/wp-content/uploads/map.png) --- ### [Privacy Policy](https://luxuryassetcapital.com/privacy-policy/) **Published:** December 15, 2021 **Author:** admin **Content:** ## Privacy Policy **PRIVACY POLICY** **Last Updated February, 2020** This Privacy Policy (the “Privacy Policy”) only applies to websites which are owned, controlled and/or operated by or on behalf of Luxury Asset Capital LLC and/or its subsidiaries (together, (“LAC” or “we,” “our,” or “us”) (however accessed and/or used, whether via personal computers, mobile devices or otherwise, collectively, the “Websites”), or other interactive features or protocols that are owned or operated by LAC and are available through the Websites or that interact with the Websites and post this Privacy Policy. Unless otherwise defined herein, capitalized words shall have the meanings assigned to such terms set forth in the Terms of Service available at Terms of Use, which incorporates this Privacy Policy. This Privacy Policy does not apply to websites, applications or other services that do not display or link to this Privacy Policy or that display or link to different privacy statements. **This Policy uses the following definitions:** “Personal Information” is data as that is reasonably linked to a particular person, computer, or device. “Anonymous Information” is data and information that is not reasonably linked to a particular person, computer, or device. “Affiliates” are companies related to LAC by common ownership or control. They can be financial and nonfinancial companies. “Non-affiliates” are companies not related by common ownership or control. They can be financial and nonfinancial companies. “Joint marketing” is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. The purpose of this Privacy Policy is to disclose to you the Personal Information we may collect through the Websites, how we may collect it, how we use it, with whom we may share it, and how we protect it. **What Information We Collect** We collect Personal Information that you submit to us voluntarily through our Websites, our services, and through your online and offline communications with us. **Information you provide to Us.** We may collect your name, email address, mailing address, phone number, credit card information, driver’s license number, passport number, social security number and other Personal Information when you use our Websites and services. This information may be collected when you register on any of our Websites, place an order, subscribe to a newsletter, respond to a survey, fill out a form, use Live Chat, open a Support Ticket, enter information on our Websites, or utilize our services. When you use our Websites and/or services, you may be asked to provide additional information, including your birthdate, photo identification information, a description of personal property related to your use of our services, and a signed Declaration of Ownership of such property. If you wish to use an automated clearinghouse (ACH) service to receive payments, we collect your bank account number and routing information from you through an electronic form on the Websites or by mail, if you send us a voided check. **Information from Social Networking Sites**. Our Websites include interfaces that allow you to connect with social networking sites (each a “SNS”). If you connect to a SNS through our Websites or if you access our Websites through a SNS, you authorize us to access, use and store the information that you agreed the SNS could provide through your settings on that SNS. We will access, use and store that information in accordance with this Privacy Policy. You can revoke our access to the information you provide through the SNS by amending the SNS settings in your SNS account through the applicable SNS. **Information You Disclose Publicly.** If you volunteer information or create a public profile in the course of your participation in our community features such as our blog or other forms of public communication and interaction (“Website Forums”) or submit comments, photographs, text or other content to us (“User Generated Content”), it may be published online or offline (including on-air, on a CD or DVD, through wireless distribution and transmission of soft copies, or any other media or format currently existing or hereafter developed), and we may publish your name, voice, likeness and other Personal Information in connection with publishing the content or a portion of the content, and we may use the content and any excerpt from the content in connection with advertising, marketing, publicity and promotional activities. Please be aware that when you share Personal Information in a public Website Forum, we cannot ensure the security of that information and it will be publicly available and you may receive unsolicited messages from other parties. Please exercise caution when disclosing Personal Information through the Website Forums. Your use of any Website Forum and submission of any User Generated Content is subject to our Terms of Use. Please note that the terms in this paragraph governing User Generated Content may not apply to information provided to us under a separate agreement, such as a Repurchase Agreement or offline contract entered into by you and LAC (“Contract”). To the extent that any of the terms set forth herein conflict with the terms of any Contract, the terms of such Contract shall govern. **Information Provided by Third Parties**. We may also get information about you from third parties, for example, from companies that collect data and customer lists. **Information Collected Through Cookies, Pixels, Web Beacons and Other Technologies.** When you visit our Website, we may collect information through about your usage and activity on our Websites through the use of cookies, pixels and other technologies. Cookies are small text files stored on your browser by a website to recognize that browser and remember user preferences and other information. Cookies help us to improve our Websites and your experience. For example, we use cookies to: - Remember and process your orders and use of our services. - Understand and save user preferences for future visits. - Compile aggregate data about site traffic and site interactions in order to offer better experiences on our Websites and to develop tools in the future. A pixel is a line of code that is used on the Websites to attribute online activities to a device or browser. The use of a pixel allows us to record, for example, that a device or browser has visited a particular page on our Website. Web beacons are small graphic images or other web programming code, also known as “1×1 GIFs” or “clear GIFs”. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to the Websites, to monitor how users navigate the Websites, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed. Since this information may be collected when you are signed in to our services, this information may be associated by us with Personal Information that we have collected from you. **Personal Information from Other Sources**. Where permitted by applicable law, we may collect information about you from other sources and we may add it to the information that you provide to us through the Websites. For example, we may receive identity verification information from our service providers to confirm your identity as part of the registration process. Please note that all of the information we collect about you may be combined, including to help us tailor our communications to you and to develop or improve content and services across the Websites. This Privacy Policy does not cover the practices of third parties, including those that may disclose information to LAC. If we combine information we receive from those other sources with Personal Information we collect through the Websites, we will apply this Privacy Policy to any Personal Information received, unless we have disclosed otherwise. **How We Use Information We Collect** We only use payment and identity verification information that you provide to us, such as credit card numbers, bank account numbers and driver’s license numbers, as necessary for completing the transaction and for performing the services for which it is expressly provided. We generally use other information we collect from or about you: - To personalize your experience and to allow us to deliver the type of content and product offerings that we believe are likely to be of most interest to you; - To improve our Website, services and security in order to better serve you; - To respond to your comments, questions, and customer service requests; - To communicate with you about and enable you to participate in contests, sweepstakes, promotions, rewards, upcoming events, and other news about products and services offered by LAC, its Affiliates, and our selected partners; - To quickly process your transactions; - To request ratings and reviews of services or products; - To follow up with you after previous correspondence (live chat, email or phone inquiries); and - To link or combine it with other information we receive from third parties, to help understand your needs and provide you with better service. - To prevent potentially prohibited or illegal activities; and - For marketing and advertising purposes. - For any other purposes disclosed to you at the time we collect your information or pursuant to your consent. **How We Share and Disclose Your Personal Information** Except as otherwise disclosed at the time you provide your information; the following outlines the ways in which your information may be shared with others: **With Your Consent**. With your consent, we may share your Personal Information with Affiliates, joint ventures and other business partners. For example, the Websites may offer access to relevant services if you agree to have your information shared with third parties so they can contact you about related products and services. **Authorized Third Parties Providing Services on our Behalf**. We may use third party service providers to assist us in processing your information and/or to support our services and/or the Websites, such as customer support services, clearing and processing credit card payments, e-mail and text message deployment services, data hosting services, data processing services, business analytics services, marketing services, and to provide certain products or services that you have requested. These authorized third parties shall be permitted to collect and process your personal information for the purpose of performing their contracted function(s) and for no other purpose. **Sweepstakes, Contests and Promotions.** We may offer sweepstakes, contests, and other promotions through the Web Sites that may require registration. If you choose to enter a sweepstakes, contest or other promotion, subject to the terms and conditions of such promotion your personal information may be disclosed to third parties who help design administer and implement such promotion, including, without limitation, in connection with winner selection, prize fulfillment, and aggregated analysts and as required by law, such as on a winners list. Also, by entering a promotion, you are agreeing to the official rules that govern that promotion, which may contain specific requirements of you, including, except where prohibited by law, allowing the sponsor(s) of the promotion to use your name, voice and/or likeness in advertising or marketing associated with the promotion. All terms applicable to the particular promotion will be made available to you at the time you enter the promotion. **Administrative and Legal Reasons.** We may transfer and disclose your information, including Personal Information and Anonymous Information, to third parties: (i) in the event we are required to respond to subpoenas or other legal process or if in our good faith opinion such disclosure is required by law; (ii) at the request of governmental authorities conducting an investigation; (iii) to protect and/or defend the Websites’ Terms of Use or other policies applicable to the Websites; or (iv) to protect the personal safety, rights, property or security of LAC or any individual. We may also use IP address or other device identifiers to identify users, and may do so in cooperation with copyright owners, internet service providers, wireless service providers or law enforcement agencies in our discretion. To the extent permitted or required by law, such disclosures may be carried out without notice to you. **Other LAC Businesses**. We may share information we collect about you within the family of LAC Websites and with other LAC-affiliated entities, so we can provide you with information about products and services that might interest you. **Business Transfers**. LAC shares information collected through the Websites with and among the Websites and our corporate family. We may buy or sell a company, some of a company’s assets, a Website or Websites or several of the companies in our corporate family may merge with one another, be otherwise reorganized or be acquired by another company. If we negotiate and/or complete such a corporate transaction, we may share or transfer some or all of your information and we reserve the right to disclose and transfer your information, including Personal Information, in connection with such corporate transactions and other corporate changes. **Information Retention** We will keep your information for a reasonable period for the purposes set out above. **How to Opt-Out of Cookies, Promotional Emails, Text Messages** **Cookies.** You can adjust your browser settings to refuse or remove cookies. However, by doing so, you may not be able to access or use certain features on the Websites or take advantage of all services. If you choose to block or delete cookies, you can still place orders over the telephone by contacting customer service at info@borro.com Personal Information provided over the telephone to customer service is subject to the terms of this Policy. **Emails.** You may opt out of receiving promotional emails from us by following the instructions in those emails. If you opt out, we may still send you non-promotional emails, such as emails about your accounts or our ongoing business relations. You may also send requests about your contact preferences and changes to your information including requests to opt-out of sharing your Personal Information with third parties by emailing info@borro.com **Text Messages.** If you have provided us with your prior express written consent to receive marketing telephone calls and text messages made using an automatic telephone dialing system (auto-dialer) and/or an artificial or prerecorded voice, you may opt out at any time. If you do not wish to receive marketing telephone calls and/or text messages, including calls or texts made using an auto-dialer or an artificial or prerecorded voice, you may express your choice to opt-out by emailing info@borro.flywheelsites.com. You may also opt out of such calls and texts by texting STOP in response to a marketing text from us. Following your STOP text message, you will receive one additional confirmation text message stating that you’ve opted out. **Choices Regarding Your Personal Information** **Limit Information Sharing.** If you are a customer of LAC, you have the right to limit how we share some of your Personal Information. Upon request, you can limit how we share your Personal Information: (1) For our Affiliates’ everyday business purposes —Information about your creditworthiness; (2) For our Affiliates to market to you; (3) For our Non-affiliates to market to you. The following chart provides details about your choices: **Reasons we can share your Personal Information** **Does LAC Share?** **Can you limit this sharing?** **For our everyday business purposes—** Yes No such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus **For our marketing purposes—** Yes No to offer our products and services to you **For joint marketing with other financial companies** No We do not share **For our Affiliates’ everyday business purposes—** Yes No information about your transactions and experiences **For our Affiliates’ everyday business purposes—** No We do not share information about your creditworthiness **For our Affiliates to market to you** Yes Yes **For Non-affiliates to market to you** No We do not share To limit information sharing, please call us at 720.230.0820. If you limit sharing, your choices will apply to everyone associated with your account. Also, please note that if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. **Accessing, Correcting, and Deleting Your Information.** You may change certain of the Personal Information in your customer account (if any) by logging in to your account and editing it, provided that it remains accurate, complete, and up to date. Additionally, you are entitled to know what Personal Information we hold about you and to have any inaccuracies in your Personal Information corrected. For these purposes, please contact us at info@borro.com. Please allow 30 days for a response. You may also request that LAC delete or destroy your Personal Information. We will delete or destroy any Personal Information that we have collected about you, provided there is no ongoing transaction and solely to the extent permitted by law. For these purposes, please contact us at info@luxuryassetcapital.com. Please allow 30 days for a response. **Your California Privacy Rights** **Data Collection.** We do not knowingly allow third parties to collect Personal Information about your online activities when you use our Websites and services for purposes of online behavioral tracking. **Do Not Track.** California law requires us to disclose how we respond to browser “Do Not Track” signals or other similar choice mechanisms relating to online behavioral tracking. We have not yet developed a response to browser “Do Not Track” signals, and do not change any of our data collection practices when we receive such signals. We will continue to evaluate potential responses to “Do Not Track” signals in light of industry developments or legal changes. **Links and Third-Party Websites** We may include or offer third-party products or services on our Websites or link to third-party websites. We do not control those third-party sites and are not responsible for the technology, content, privacy policies or practices in connection with those sites. You should carefully review the privacy policies that apply to any third-party sites you access from our Websites. **How We Protect Your Information** We have implemented reasonable organizational, technical, physical and administrative steps designed to protect Personal Information against loss, misuse, unauthorized access or disclosure. Despite our efforts, no method of transmission of information over the internet or storage of information is guaranteed to be completely secure. While we strive to protect your information, we cannot guarantee its security and shall not be liable for any breach of security in regards to your information. FOR THE AVOIDANCE OF DOUBT, EXCEPT AS REQUIRED BY APPLICABLE LAW OR THE PCI STANDARDS, WE EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO ENSURING, GUARANTEEING OR OTHERWISE OFFERING ANY DEFINITIVE PROMISE OF SECURITY IN CONNECTION WITH YOUR PERSONAL INFORMATION. **Children’s Privacy (Children’s Online Privacy Protection Act)** Neither our services nor Websites are developed for or directed at children under the age of 13. We do not knowingly collect information from children under the age of 13. If you believe a child has provided us with Personal Information and you would like to have the information removed, please contact us at info@borro.com. **Changes to This Policy** We may change this Policy from time to time. If we make any changes to this Policy, we will change the “Last Updated” date above. If we make any material change(s) to the Policy, we will post a notice on our Websites prior to such changes(s) taking effect. **Contact Us** Should you have any questions or concerns regarding this Privacy Policy, please contact us at , 720.230.0820, or: Luxury Asset Capital LLC 4100 E Mississippi Ave, Suite 1850 Denver, CO 80246 **Privacy Policy Updates** If we make any changes to this Privacy Policy, we will change the “Last Updated” date above. If we make any material change(s) to the Privacy Policy, we will post a notice on our Websites prior to such changes(s) taking effect. --- ### [Terms of Use](https://luxuryassetcapital.com/terms-of-use/) **Published:** December 16, 2021 **Author:** admin **Content:** ## Terms of use **TERMS OF USE** **Last Updated: June 6, 2022** IMPORTANT! PLEASE CAREFULLY READ THESE TERMS OF USE (“TOU”) BEFORE USING THE WEBSITES, AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. These TOU only apply to the websites which are owned, controlled, and/or operated by or on behalf of Luxury Asset Capital LLC and/or its subsidiaries (“LAC” or “we,” “our,” or “us”), however accessed and/or used, whether via personal computers, mobile devices, or otherwise (the “Websites”), or other interactive features or protocols that are owned or operated by LAC and are available through the Websites or that interact with the Websites or that interact with the Websites and post these TOU. You agree to these TOU by accessing or using the Websites, registering for, or using any of the products or services offered on the Websites (“Services”), by accepting, uploading, submitting or downloading any information or content from or to the Websites, or by otherwise expressly agreeing to these TOU. **THESE TERMS OF USE INCLUDE AN ARBITRATION PROVISION AND CLASS ACTION WAIVER. CAREFULLY REVIEW THE SECTION ENTITLED “Dispute Resolution – Arbitration and Class Action Waiver” BEFORE YOU AGREE TO THESE TERMS.** The Websites are intended exclusively for residents of the United States ages 18 and above. IF YOU DO NOT CONSENT TO BE BOUND BY ALL OF THESE TOU, DO NOT USE THE WEBSITES OR OTHERWISE AGREE TO THESE TOU. 1. **Modifications** We may modify these TOU at any time without notice to you by posting revised TOU on our Websites, and such modification will be effective upon posting by LAC on the Websites. If we make any changes to these TOU, we will change the “Last Updated” date above. Your continued use of our Websites after LAC posts a revised TOU constitutes your binding acceptance of these TOU, including any modifications that we make. Your use of the Website will be governed by the TOU in place on the date you access the Website. It is therefore important that you review these TOU regularly to ensure you are updated as to any changes. 2. **Privacy Policy; Additional Terms; Additional Agreements** Our Privacy Policy (“Privacy Policy”) describes our practices concerning data that you provide or that we collect about you through the Websites or the Services, and you consent to our use of data in compliance with the Privacy Policy. Our Privacy Policy is posted on the Websites and available by clicking here: . Some of the Services may be subject to additional terms (“Additional Terms”). Additional Terms applicable to the Service, will be posted online at the time you attempt to utilize the particular Service, provided offline when you provide information in person or by telephone, and shall be included in any repurchase agreement or other contract that you enter into with us (the “Additional Agreements”). Your use of those Services is subject to those Additional Terms and Additional Agreements, which are incorporated into these TOU by reference. In the event of an inconsistency between these TOU and any Additional Terms and/or Additional Agreements, the provisions of the Additional Terms and/or Additional Agreements take precedence and control. In the event of an inconsistency between any Additional Terms and any Additional Agreement, the provisions of the Additional Agreement shall take precedence and control. For example, sellers may submit an application through the Websites for consideration of a repurchase agreement and enter in ACH payment information for use if such repurchase agreement is accepted. Each payment made will be subject to (i) any Additional Terms posted online, and (ii) the terms and conditions set forth in the Additional Agreement. 3. **Website Content and Ownership** The past, present and future content on the Websites, including, without limitation, organization, graphics, text, images, technology, applications, artwork, information, data, designs, compilations, and the trademarks, logos, domain names, trade names, service marks and trade identities; any and all copyrightable material (including source and object code); and all other materials related to the Websites, including, without limitation, the “look and feel” of the Websites (collectively, “Content”), are protected by applicable U.S. copyright laws, international conventions, other applicable copyright laws and other proprietary (including, but not limited to, intellectual property) rights and are owned or controlled by LAC, its subsidiaries, affiliates or its licensors. Except as expressly set forth in these TOU or otherwise expressly granted to you in writing by LAC, no rights (either by implication, estoppel or otherwise) are granted to you. Any and all rights to use any Content not expressly granted to you under this TOU are hereby reserved for LAC and/or its subsidiaries, affiliates or its licensors. Nothing contained in this TOU will affect, impair, or limit in any way LAC’s rights to exploit fully any or all of the Content. The Websites and the Content are intended solely for personal, non-commercial use. You may download or copy the Contents and other downloadable materials displayed on the Sites for your personal use only. No right, title or interest in any downloaded Content is transferred to you as a result of any such downloading or copying. Except pursuant to the express limited grant of rights hereunder, you are prohibited from copying, reproduction, alteration, rearrangement, sale, leasing, renting, distributing, redistributing, modifying, downloading, exchanging, creating of derivative works, uploading, posting, transmitting, publishing or otherwise exploiting the Content, directly or indirectly, including removing or altering the Content. You agree to abide by any and all additional copyright notices, information, or restrictions contained in any part of the Websites (including the Content) or as LAC may impose from time to time. Moreover, you agree that you will not remove any proprietary notices or labels contained in or on the Content. Copying, archiving or storing any part of the Websites for a purpose that is not permitted by these TOU is expressly prohibited without prior written permission from LAC or the applicable copyright holder as identified on the Websites. You acknowledge and agree that you will not acquire or claim any rights in the Content, or aid or abet anyone else in doing so. The terms of this paragraph do not apply to information you submit to the Websites in connection with any Services or User Upload Information addressed below. The information contained on the Websites is intended for general information purposes only. We have made reasonable efforts to ensure that the information on the Websites is accurate at the time of posting, however there may be inaccuracies and occasional errors. We make no representations or warranties about the information provided on or through this Website, including but not limited to information obtained through links to any third-party websites, and we do not assume any responsibility for updating information provided on or through the Websites. We accept no liability for any inaccuracies or omissions in the Websites and any decisions based on information contained in the Websites are the sole responsibility of the user. 4. **Restrictions; Termination** You agree not to use our Websites or Services to: - Promote surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise). - Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others. - Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information. - Upload, or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consent to do the same. - Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party. - Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another. - Restrict or inhibit any other user from using and enjoying our Websites and Services. - Harvest or otherwise collect information about others, including e-mail addresses. - Violate any applicable laws or regulations. - Create a false identity for the purpose of misleading others. - Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of the Services or other user or usage information or any portion thereof. LAC reserves the right, at any time and without notice, to modify, alter, suspend or terminate all or any part of the Websites and to restrict or prohibit access to them. LAC shall not be liable to any party for such modification, alteration, suspension, restriction or termination. If you object to any of the terms set forth in these TOU, you must discontinue use of the Websites. Sections 1 through 3 and 5 through 17 will survive any termination of your access to the Website, whether we terminate your access or you voluntarily discontinue your use. You agree that we will not be liable to you or any third party for taking any of these actions. 5. **Compliance with Law** You shall not use the Websites for any illegal purposes. You agree not to send any unsolicited promotional or advertising material, spam or similar materials or any volume messages and/or interfere with the operation of the Websites or with the enjoyment of the Websites by other users. 6. **Links to Third Party Sites** The presence of links to third party sites does not constitute or imply endorsement by LAC of the opinions or views expressed by these linked websites, and LAC does not verify, endorse, or take responsibility for the accuracy, currency, completeness or quality of the content contained in these sites. Furthermore, LAC is not responsible for the quality or delivery of the products or services offered, accessed, obtained by or advertised by or through such third-party sites. To the extent that third party sites collect personally identifiable information from you, please be advised that in no event shall LAC assume or have any responsibility or liability for the manner in which such information is collected or for any claims, damages, or losses, whether in contract, tort (including negligence) or otherwise, arising out of it in connection with your access to and/or use of those sites. In no event will LAC be liable to you for any direct, indirect, incidental, consequential, or special loss or other damage arising out of or in connection with your use of such third-party site(s). 7. **Copyrights and Copyright Agent** If you believe that material posted on the Websites infringes your copyrights, please provide our copyright agent the following information required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (“DMCA”): (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyright work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (c) identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact the complaining party; (e) a statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Our copyright agent for notice of claims of copyright infringement on or regarding the Websites can be reached as follows: Service Provider: Luxury Asset Capital LLC Ellen Reilly Reilly Intellectual Property Law Firm 1325 East 16th Avenue, Denver, Colorado 80218 (303)839-8700 [www.patentsdenver.com](http://www.patentsdenver.com) Upon receipt of a Notification, service provider will take such action as appropriate under the DMCA. 8. **Registration; Contract for Purchase with Option to Repurchase.** Registration. Joining and registering on our Websites is free. To become a registered member (“Member”), we ask you to provide certain Personal Information, as further described in our Privacy Policy. You agree to provide accurate, complete, and up-to-date Personal Information during the registration process, and to maintain the accuracy of such information while you use the Services. When you sign up to become a Member, you will be asked to choose a username and password, which will enable your access to the Service. You are solely responsible for any and all use of your username and password and for maintaining their confidentiality. You agree not to provide your username and password to any other person or to use another member’s username and password at any time. You agree to notify us immediately if you suspect any unauthorized use of or access to your username and password. You are responsible for any use or misuse of your account or the Services or the Websites resulting from any third party using a password or username issued to you. If you apply to enter into a Contract for Purchase with Option to Repurchase, we will ask you for additional Personal Information in the application. Contract for Purchase with Option to Repurchase. We may provide you with an opportunity to apply to enter into a Contract for Purchase with Option to Repurchase. LAC reserves the right to refuse any application at any time prior to the execution of the Contract for Purchase with Option to Repurchase by both parties. Applications are available on the “Application” tab of the Websites. Please review the Additional Terms prior to submitting an application. You will be required to provide a current, government issued ID in order to execute a Contract for Purchase with Option to Repurchase (or other type of pawn agreement). 1. Restrictions on our Services. There are some limitations on our Services. We reserve the right to accept applications in our sole discretion. We do not accept certain types of tangible personal property, as further described on our Websites or by calling us at the number shown on our Websites. We reserve the right to refuse to accept certain types of tangible personal property as collateral at our sole discretion. 2. Fees and other Charges. We charge fees for our Services. You will be given an opportunity to review and accept the fees that will be charged in connection with each Contract for Purchase with Option to Repurchase. Please review our Additional Terms and any terms set forth in the Contract for Purchase with Option to Repurchase before you enter into the Contract for Purchase with Option to Repurchase. We will charge you applicable taxes, if any. All fees and currency amounts are quoted in U.S. Dollars. 3. Shipping Policy. Shipping and handling of assets is addressed in the Additional Terms, which you must read and accept prior to submitting an application. 4. Your Authority. By submitting an application, you represent and warrant that you have good and marketable title to the property, free of all encumbrances of any kind. 9. **Payment Obligation and Credit Card Authorization** When online payment for Services pursuant to an Additional Agreement is offered through the Websites, you will be prompted to authorize us to charge the bank account that you provide in accordance with the terms of the Additional Agreement(s). Once payments have been charged, they are nonrefundable except in accordance with the terms of the Additional Agreement(s). You will also be responsible for paying any authorized payments charged to your account by someone who authorizes a debit from your account without your permission, even if your bank does not cover such costs. If we do not receive payment from your bank, you agree to pay all amounts due upon our demand in accordance with the terms of the Additional Agreement. ACH CCD payments shall be governed by the Operating Rules of the National Automated Clearing House Association (“NACHA”). 10. **Your Conduct on our Websites** If we request registration information from you, you will provide us with true, accurate, current, and complete information. If you create a user account, you agree to accept responsibility for all activities that occur under your account or password, if any, and agree you will not sell, transfer or assign your user account. You will promptly update your registration to keep it accurate, current, and complete. If we issue you a password, you may not reveal it to anyone else. You may not use anyone else’s password. You are responsible for maintaining the confidentiality of your accounts and passwords. You agree to immediately notify us of any unauthorized use of your passwords or accounts or any other breach of security. You also agree to exit from your accounts at the end of each session. We will not be responsible for any loss or damage that may result if you fail to comply with these requirements. 11. **Indemnification** You agree to defend, indemnify and hold harmless LAC, its subsidiaries, affiliates, and the directors, officers, employees, shareholders, members, owners, vendors, partners, contractors, agents, licensors, successors, assigns, or other representatives of each of them (“LAC Parties”) with respect to any and all actions, claims, demands, investigations, liabilities, losses, damages, judgments, settlements, deficiencies, interests, penalties, fines, costs and expenses of whatever kind, including reasonable attorneys’ fees, arising out of or relating to these TOU, including, without limitation: (a) your use of the Websites; (b) your violation of these TOU, any Additional Terms, or any law, rule, or regulation, including, without limitation, those relating, intellectual property infringement, defamation, or authorization; or (c) your use of the Content. You will cooperate as fully and reasonably as required by LAC in the defense of any claim. Notwithstanding the foregoing, LAC retains the exclusive right to assume the exclusive defense and control of any matter for which you are required to indemnify us and/or settle, compromise and pay any and all claims, demands, proceedings, suits, actions or causes of actions which are brought against LAC herein under the terms and provisions of this Section, and in no event shall you settle any such claim in any way that is adverse to LAC or requires any payment or admission of fault by LAC without LAC’s prior written approval. 12. **Disclaimers** We disclaim any responsibility for the deletion, the failure to store, the mis-delivery, or the untimely delivery of any information or material. We disclaim any responsibility for any harm resulting from downloading or accessing any information or material on the Internet using search results from our Websites. We disclaim any responsibility for, and if you subscribe to one of our fee-based services you will not be entitled to a refund as a result of, any service outages that are caused by our maintenance on the servers or the technology that underlies our Websites, failures of our service providers (including telecommunications, hosting, and power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of nature, war, civil disturbance, or any other cause beyond our reasonable control. THE WEBSITES, INCLUDING, WITHOUT LIMITATION, ALL CONTENT AND FUNCTIONS MADE AVAILABLE ON OR ACCESSED THROUGH OR SENT FROM THE WEBSITES, ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW, LAC MAKES NO REPRESENTATION OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER (EXPRESS OR IMPLIED) ABOUT: (A) THE WEBSITES; (B) THE CONTENT ON OR AVAILABLE THROUGH THE WEBSITES; (C) THE FUNCTIONS MADE ACCESSIBLE ON OR ACCESSED THROUGH THE WEBSITES; (D) THE MESSAGES AND INFORMATION SENT FROM THE WEBSITES BY USERS; (E) ANY PRODUCTS OR SERVICES OFFERED VIA THE WEBSITES, INCLUDING, BUT NOT LIMITED TO, HYPERTEXT LINKS; AND/OR (F) SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE WEBSITES OR ANY LINKED SITE. LAC DOES NOT WARRANT THAT THE WEBSITES, ANY OF THE WEBSITES’ FUNCTIONS, OR ANY CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE WEBSITES OR THE SERVERS THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. LAC DOES NOT WARRANT THAT YOUR ACTIVITIES OR USE OF THE WEBSITES IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND IN ANY EVENT, LAC SPECIFICALLY DISCLAIMS SUCH WARRANTIES. YOU UNDERSTAND THAT BY USING ANY OF THE FEATURES OF THE WEBSITES, YOU ACT AT YOUR OWN RISK, AND YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS OR USE THE WEBSITES OR THE CONTENT. FURTHER, LAC DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND TITLE. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR WEBSITES AND THE ACCURACY OR COMPLETENESS OF ITS CONTENT. LAC, AND ITS DIRECTORS, OFFICERS, EMPLOYEES, OR OTHER REPRESENTATIVES SHALL NOT BE LIABLE FOR THE USE OF THE WEBSITES, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES, SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO THIS AGREEMENT. 13. **Limitation of Liability** YOU UNDERSTAND AND AGREE THAT LAC LIMITS ITS LIABILITY IN CONNECTION WITH YOUR USE OF THE WEBSITES AS SET FORTH BELOW: TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL LAC BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, ECONOMIC, PUNITIVE, CONSEQUENTIAL, OR STATUTORY DAMAGES) THAT ARE DIRECTLY OR INDIRECTLY RELATED TO: (1) THE WEBSITES OR THE CONTENT; (2) THE USE OF, INABILITY TO USE, OR PERFORMANCE OF THE WEBSITES; (3) ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY LAC OR LAW ENFORCEMENT AUTHORITIES REGARDING YOUR USE OF THE WEBSITES OR CONTENT; (4) ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OWNERS; (5) ANY ERRORS OR OMISSIONS IN THE WEBSITES’ TECHNICAL OPERATION, EVEN IF FORESEEABLE OR EVEN IF LAC HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, STRICT LIABILITY TORT (INCLUDING, WITHOUT LIMITATION, WHETHER CAUSED, IN WHOLE OR IN PART, BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, OR THEFT OR DESTRUCTION OF THE WEBSITES), OR UNDER FEDERAL OR STATE STATUTES OR REGULATIONS. IN NO EVENT WILL LAC BE LIABLE TO YOU OR ANYONE ELSE FOR LOSS OR INJURY, INCLUDING, WITHOUT LIMITATION, DEATH OR PERSONAL INJURY. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL LAC’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100). THE PARTIES AND INDIVIDUALS ARE NOT RESPONSIBLE FOR ANY DAMAGE TO ANY USER’S COMPUTER, MODEM, CELL PHONE, HARDWARE, SOFTWARE, OR OTHER EQUIPMENT OR TECHNOLOGY INCLUDING, WITHOUT LIMITATION, DAMAGE FROM ANY SECURITY BREACH OR FROM ANY VIRUS, BUGS, TAMPERING, FRAUD, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE OR ANY OTHER TECHNICAL OR OTHER MALFUNCTION. YOUR ACCESS TO AND USE OF THIS WEBSITE IS AT YOUR RISK. IF YOU ARE DISSATISFIED WITH THE WEBSITE OR ANY OF THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THE WEBSITES OR THE CONTENT. BY ACCESSING ANY OF THE WEBSITES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU EXPRESSLY WAIVE, THE BENEFITS OF ANY LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES THAT A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR CONSUMER DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE. **CALIFORNIA RESIDENTS**—IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.” **ACCESSING FROM NEW JERSEY**—IF YOU ARE ACCESSING THE WEBSITES FROM NEW JERSEY, YOU (A) ASSUME ALL RISKS OF LOSSES OR DAMAGES RESULTING FROM YOUR USE OF, OR INABILITY TO USE, THE SITES; (B) IRREVOCABLY WAIVE ALL LOSSES OF INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR INCIDENTAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, THOSE RESULTING FROM LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION) THAT MAY OCCUR AS A RESULT OF YOUR USE OF THE SITES OR YOUR RECEIPT OF EMAILS AND TEXT MESSAGES FROM US; (C) EXPRESSLY AGREE TO RELEASE AND DISCHARGE LAC AND ITS AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, SUCCESSORS, OR ASSIGNS FROM ANY AND ALL CLAIMS OR CAUSES OF ACTION RESULTING, DIRECTLY OR INDIRECTLY, FROM YOUR USE OF THE SITES OR YOUR RECEIPT OF EMAILS AND TEXT MESSAGES FROM US; AND (D) YOU VOLUNTARILY GIVE UP OR WAIVE ANY RIGHT THAT YOU MAY OTHERWISE HAVE TO BRING A LEGAL ACTION AGAINST US FOR LOSSES OR DAMAGES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR OTHER LEGAL THEORY, INCLUDING ANY CLAIM BASED ON ALLEGED NEGLIGENCE ON THE PART OF LAC AND ITS AFFILIATES AND ITS AND THEIR AGENTS AND EMPLOYEES. YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ THIS “WAIVER AND RELEASE” AND FULLY UNDERSTAND THAT IT IS A RELEASE OF LIABILITY. 14. **Governing Law, Venue and Jurisdiction** THESE TOU, WITH THE EXCEPTION OF CERTAIN MATTERS GOVERNED BY THE FEDERAL ARBITRATION ACT AS SPECIFIED IN PARAGRAPH 16, SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF COLORADO, WITHOUT REGARD TO ANY CONFLICTS OF LAWS RULES AND SPECIFICALLY WILL NOT BE GOVERNED BY THE UNITED NATIONS CONVENTIONS ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS, IF OTHERWISE APPLICABLE. You agree that jurisdiction over and venue in any legal action or proceeding directly or indirectly arising out of or relating to the Websites, your Use or Access thereof, or these TOU, to the extent the action or proceeding is not subject to arbitration under paragraph 16, must be exclusively in the state or federal courts located in Denver, Colorado, and you hereby consent and submit to the exclusive personal jurisdiction and venue of these courts located in Denver, Colorado for any such legal proceeding. 15. **Authority** You represent that you have all requisite power and authority to agree to be bound by these TOU, and to perform all of the acts and obligations set forth in these TOU. 16. **Dispute Resolution – Arbitration and Class Action Waiver** PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. YOU AGREE THAT BY USING THIS WEBSITE OR OTHERWISE AGREEING TO THESE TOU, YOU AND LAC ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. YOU AND LAC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE PROCEEDING. ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. You and LAC agree that any and all claims and disputes arising from or relating in any way to the subject matter of these TOU, your use of the Website, or your and LAC’s dealings with one another in connection with the Websites shall be finally settled and resolved through BINDING INDIVIDUAL ARBITRATION as described in this section. This agreement to arbitrate is intended to be interpreted broadly. The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association (“AAA”), as modified by this section. The arbitration will be conducted by Judicial Arbiter Group, Inc. (“JAG”) using one arbitrator with substantial experience in resolving commercial contract disputes, who shall be selected from the appropriate list of JAG arbitrators in accordance with the Arbitration Rules and Procedures of JAG. If JAG is unable or unwilling to arbitrate a dispute, then the dispute may be referred to any other arbitration organization or arbitrator that you and LAC both agree upon in writing or that is appointed pursuant to section 5 of the Federal Arbitration Act (“FAA”). For any claim where the total amount of the award sought is $10,000 or less, the arbitrator, you, and LAC must abide by the following rules: (a) the arbitration shall be conducted solely based on telephone or online appearances and/or written submissions; and (b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties. If the claim exceeds $10,000, the right to a hearing will be determined by the AAA rules, and the hearing (if any) must take place in the County of Denver, State of Colorado. The arbitrator’s ruling is binding and may be entered as a judgment in any court of competent jurisdiction, or application may be made to such court for judicial acceptance of any award and an order of enforcement, as the case may be. YOU AND WE AGREE THAT “CLAIMS” AND “DISPUTES” SUBJECT TO THIS ARBITRATION PROVISION ARE TO BE GIVEN THE BROADEST POSSIBLE MEANING AND INCLUDE CLAIMS OF EVERY KIND AND NATURE, INCLUDING, BUT NOT LIMITED TO, INITIAL CLAIMS, COUNTERCLAIMS, CROSS-CLAIMS AND THIRD-PARTY CLAIMS, AND CLAIMS BASED ON ANY CONSTITUTION, STATUTE, REGULATION, ORDINANCE, COMMON LAW RULE (INCLUDING RULES RELATING TO CONTRACTS, TORTS, NEGLIGENCE, FRAUD OR ANY OTHER INTENTIONAL WRONGS) AND EQUITY. THEY INCLUDE CLAIMS AND DISPUTES THAT SEEK RELIEF OF ANY TYPE, INCLUDING DAMAGES AND/OR INJUNCTIVE, DECLARATORY, OR OTHER EQUITABLE RELIEF. There is no judge or jury in arbitration. Generally, arbitration procedures are simpler and more limited than rules applicable in court and review by a court is limited. Neither you nor LAC will be able to have a court or jury trial or participate in a class action or class arbitration. You and LAC each understand and agree that by agreeing to resolve any dispute through individual arbitration, YOU AND LAC ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL. ANY DISPUTE SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION, OR ANY SIMILAR PROCEEDING. The arbitrator may not consolidate the claims of multiple parties. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OF USE, YOUR USE OF THE WEBSITES, OR YOUR AND LAC’S DEALINGS WITH ONE ANOTHER must be commenced in arbitration within one (1) year after the cause of action accrues. After that one (1)-year period, such cause of action or claim is permanently barred. Some jurisdictions do not allow time limitations other than those set forth in such state’s statute of limitations laws. In such cases, the applicable statute of limitations provided for under the laws of such state shall apply. You and we agree that all challenges to the validity and applicability of the arbitration provision—i.e. whether a particular claim or dispute is subject to arbitration—shall be determined exclusively by the arbitrator. Notwithstanding any provision in these terms to the contrary, you and we agree that if the class-action waiver above is deemed invalid or unenforceable, neither you nor we are entitled to arbitration and any proceeding shall be brought and proceed exclusively in the state and federal courts of competent jurisdiction located in the County of Denver, State of Colorado. If the arbitration provision in this section is found unenforceable or to not apply for a given dispute, then the proceeding shall be brought and proceed exclusively in the state and federal courts of competent jurisdiction located in the County of Denver, State of Colorado, and you and we agree to submit to the personal jurisdiction of each of these courts for the purpose of litigating such claims or disputes, and you and we still waive any right to a jury trial and waive any right to initiate or proceed in a class or collective action. You also remain bound by any and all limitations on liability and damages included in these TOU. This arbitration agreement and class action waiver shall survive termination of your use of the Websites and/or termination of our dealings with you. This arbitration agreement involves interstate commerce and, therefore, shall be governed by the FAA, 9 U.S.C. §§ 1-16, and not by state law. THE ARBITRATOR WILL FOLLOW APPLICABLE SUBSTANTIVE LAW TO THE EXTENT CONSISTENT WITH THE FAA, APPLICABLE STATUTES OF LIMITATION AND APPLICABLE PRIVILEGE RULES, AND SHALL BE AUTHORIZED TO AWARD ALL REMEDIES AVAILABLE IN AN INDIVIDUAL LAWSUIT UNDER APPLICABLE SUBSTANTIVE LAW, INCLUDING, WITHOUT LIMITATION, COMPENSATORY, STATUTORY, AND PUNITIVE DAMAGES, AS WELL AS, DECLARATORY, INJUNCTIVE, AND OTHER EQUITABLE RELIEF—INCLUDING PUBLIC INJUNCTIVE RELIEF AND ATTORNEYS’ FEES AND COSTS. Information on AAA and how to start arbitration can be found at www.adr.org or by calling 800-778-7879. AN INTENDED BENEFICIARY OF THIS ARBITRATION PROVISION MAY ENFORCE IT IN FULL WITH RESPECT TO ANY CLAIMS BETWEEN THEM ON THE ONE HAND AND YOU ON THE OTHER ARISING FROM OR IN ANY WAY RELATING TO THE WEBSITES, OUR DEALINGS WITH YOU, OR THIS ARBITRATION PROVISION. INTENDED BENEFICIARIES ARE OUR AGENTS, PRINCIPALS, REPRESENTATIVES, DIRECTORS, OFFICERS, SHAREHOLDERS, GOVERNORS, MANAGERS, AND MEMBERS. INTENDED BENEFICIARIES ALSO ARE OUR PARENTS, SUBSIDIARIES, AFFILIATES, PARTNERS, LICENSEES, ATTORNEYS, PREDECESSORS, SUCCESSORS, JOINT VENTURERS, CONTRACTORS, ASSIGNS, DESIGNEES, SERVICERS, AND SERVICE PROVIDERS. A SERVICE PROVIDER IS ANY THIRD-PARTY PROVIDING US OR ANY INTENDED BENEFICIARY ANY GOODS OR SERVICES ARISING OUT OF OR IN ANY WAY RELATING TO THE WEBSITES, OUR DEALINGS WITH YOU, OR THIS ARBITRATION PROVISION. INTENDED BENEFICIARIES INCLUDE PAST, PRESENT, AND FUTURE PERSONS LISTED IN THIS PARAGRAPH. THIS ARBITRATION PROVISION MAY BE ENFORCED BY OR AGAINST ANY PERSON OR ENTITY PURPORTING TO BRING CLAIMS ON YOUR BEHALF, INCLUDING ANY AGENT, REPRESENTATIVE, GUARDIAN, OR TRUSTEE. THIS ARBITRATION PROVISION MAY ALSO BE ENFORCED BY OR AGAINST ANY PERSON OR ENTITY WHO ACQUIRES ANY RIGHT OR INTEREST THAT, BUT FOR THE TRANSFER OF THE RIGHT OR INTEREST, WOULD HAVE BELONGED TO US OR AN INTENDED BENEFICIARY OF THIS ARBITRATION PROVISION, INCLUDING, BUT NOT LIMITED TO, ANY PERSON WHO ACQUIRES OWNERSHIP OF OR THE RIGHTS TO ANY CONTRACT BETWEEN YOU AND US. IF YOU WISH TO OPT-OUT OF THE AGREEMENT TO ARBITRATE, *WITHIN 45 DAYS* OF WHEN YOU FIRST USE OUR WEBSITES OR SERVICES, OR FIRST SUBMIT THROUGH THE WEBSITES OR SERVICES A REQUEST FOR INFORMATION, YOU MUST SEND US A LETTER OR EMAIL STATING, “REQUEST TO OPT-OUT OF AGREEMENT TO ARBITRATE” AT THE FOLLOWING MAILING OR EMAIL ADDRESS AND MUST INCLUDE YOUR FULL NAME AND MAILING ADDRESS: Luxury Asset Capital LLC Attn: Kim Mrvos 4100 E Mississippi Ave, Suite 1850 Denver, CO 80246 Email: In the event you opt out of the arbitration provision, you agree to litigate exclusively in the state or federal courts of competent jurisdiction located in the County of Denver, State of Colorado and you agree to submit to the personal jurisdiction of each of these courts for the purpose of litigating such claims or disputes, and you still waive your right to a jury trial, waive your right to initiate or proceed in a class or collective action, and remain bound by any and all limitations on liability and damages included in these TOU. 17. **Miscellaneous** We may be required by state or federal law to notify you of certain events. You hereby acknowledge and agree that such notices will be effective upon our posting them on our Websites or delivering them to you via email. You may update your email address by visiting the Services where you have provided contact information. If you do not provide us with accurate information, we will not be responsible for failure to notify you. These TOU—including all Additional Terms, conditions, and policies on the Services that are incorporated into these terms by reference and, if applicable, any Additional Agreements—constitute the entire agreement between you and us and supersede all prior agreements with respect to the subject matter hereof. LAC’s failure to exercise or enforce any right or provision of these TOU shall not constitute a waiver of such right or provision. If any part of these TOU is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the TOU shall continue in effect. --- ## Categories ### [Press](https://luxuryassetcapital.com/category/press/) ---