Last updated: 2026-05-06 · Version 0.1 — mirror of in-store notice
GLBA Privacy Notice
This notice applies to pawn loan customers and other financial-product customers of Tarboro Pawn. If you only use our online storefront or submit an appraisal request without taking a loan, see our general Privacy Policy instead.
Why we're giving you this notice
Federal law — the Gramm–Leach–Bliley Act (GLBA, 15 U.S.C. §§6801–6809) and the Federal Trade Commission's implementing rule (16 CFR Part 313, the “Privacy Rule”) — requires us to tell you what nonpublic personal information (NPI) we collect about you, how we use it, with whom we share it, and what your rights are.
Information we collect
We may collect the following NPI when you take a pawn loan or otherwise establish a financial-customer relationship with us:
- Information you give us directly: name, address, phone, email, date of birth, government-issued identification number, employer, and signature.
- Information about the transaction: pawn loan amount, interest rate, fees, item description, payment history.
- Information from third parties: identity verification results, OFAC screening results, and (for high-value transactions) BSA/SAR-related screening.
How we use your information
- To service your loan or transaction.
- To comply with North Carolina pawn law, federal Bank Secrecy Act, OFAC, the Military Lending Act (where applicable), the Equal Credit Opportunity Act, and other applicable laws.
- To protect against fraud and unauthorized transactions.
- To respond to lawful requests from law enforcement.
With whom we share your information
We do not sell your NPI. We may share NPI only in the following limited circumstances:
- To complete the transaction: payment processors (Square), identity verification providers, and government screening services (OFAC).
- As required by law: police investigations, court orders, FinCEN reports, IRS information returns (Form 8300 for cash transactions over $10,000), and NC pawn statute reporting.
- To service the account: our internal staff on a need-to-know basis, and our outside auditors and attorneys.
We do not share NPI for joint marketing with non-affiliated third parties and we do not share NPI with affiliates for their marketing purposes. Therefore, federal law does not give you the right to limit such sharing.
How we protect your information
- Physical, electronic, and procedural safeguards meeting the standards of 16 CFR Part 314 (the FTC Safeguards Rule).
- Encryption of identification images and PII at rest using AES-256.
- Annual employee training on confidentiality.
- Access logging on every read of sensitive data.
Retention
We retain pawn-loan records for at least 7 years as required by NC pawn law and the federal Bank Secrecy Act. After the retention period expires, we securely destroy the records.
Your rights
- You may request a copy of the NPI we hold about you.
- You may request that we correct inaccurate NPI.
- You may opt out of any future affiliate-marketing sharing (currently we do not share for that purpose).
- If you believe we have failed to protect your NPI, you may file a complaint with the Federal Trade Commission at ftc.gov.
Contact
Questions about this notice or your NPI? Contact us.
Notice: This page is a placeholder mirror of the in-store GLBA notice. The final text will be reviewed by a North Carolina–licensed attorney with consumer-financial expertise before public launch and reconciled against the in-store version generated by services/glba_privacy.py.