Privacy Policy

Vaultmark Lending LLC (“Vaultmark,” “we,” “us,” or “our”) is an asset-backed specialty finance lender headquartered in New York, NY. We specialize in private liquidity secured exclusively by high-value luxury timepieces, fine estate jewelry, and natural diamonds.

Our clientele includes high-net-worth individuals, business founders, collectors, and family offices who demand uncompromised financial discretion. We treat all client identities, collateral manifests, appraisal dossiers, and transaction agreements under strict private wealth non-disclosure protocols. We do not commercialize, sell, rent, or publicly disclose client records.

To evaluate collateral, fulfill anti-money laundering (AML) legal compliance, and disburse capital, we collect only necessary and directly relevant information:

We process personal and collateral data strictly for lawful, contractual, and regulatory purposes:

• Underwriting & Market Valuation: Benchmarking item condition against secondary wholesale clearing data to formulate indicative and binding loan terms.
• Title & Provenance Verification: Checking item serial numbers against international registries (including lost and stolen watch and jewelry registries) to confirm clean, unencumbered ownership.
• Agreement Execution & Funding: Generating formal non-recourse Promissory Notes, Vault Custody Receipts, and disbursing same-day bank wires.
• Statutory Compliance: Satisfying mandatory Federal Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) sanctions screening.

Unlike traditional commercial banks, credit unions, or unsecured peer-to-peer lenders, Vaultmark Lending operates on a 100% asset-backed, non-recourse lending standard:

In the event that a borrower elects not to repay an advance, Vaultmark liquidates solely the pledged collateral through institutional auction or wholesale channels. The loan is extinguished with zero deficiency liability and zero reporting to credit rating bureaus.

Vaultmark Lending never sells, rents, licenses, or exchanges borrower data with data brokers, advertising networks, or third-party marketing affiliates.

We disclose information strictly to trusted institutional service providers under binding confidentiality agreements:

• Armored Logistics Carriers: Pledged items are shipped via Brink's, Malca-Amit, or priority express logistics under unbranded packaging with minimal declared manifests required for insurance coverage.
• Insurance Syndicates: Lloyd's of London insurance syndicates receive anonymized item appraisal values and vault serial inventory codes for policy underwriting.
• Depository Facilities: Pledged items stored at Brink's or Malca-Amit Class 3 depositories are referenced solely by serialized vault pouch numbers, preserving borrower anonymity.
• Legal & Regulatory Authorities: We disclose information only when strictly mandated by enforceable federal or state court subpoenas or valid statutory law enforcement requests.

We implement comprehensive administrative, physical, and technical safeguards to preserve data integrity:

• Encryption in Transit & at Rest: All digital submissions are transmitted using TLS 1.3 encryption and stored using AES-256 bit encrypted storage arrays.
• Role-Based Access Control: Only credentialed senior underwriters and compliance personnel with direct case assignments have access to borrower identity records.
• Physical Vault Custody: Collateral documentation and physical items are held inside Class 3 UL-rated institutional depositories protected by biometric verification and 24/7 dual-custody surveillance.

We retain borrower personal information only as long as necessary to fulfill the loan agreement and comply with applicable statutory financial recordkeeping mandates (typically 5 to 7 years following loan maturity under federal and state commercial finance regulations).

Upon expiration of mandatory statutory retention windows, all physical documents are destroyed via certified micro-cut shredding, and digital records are cryptographically wiped in accordance with NIST SP 800-88 guidelines.

Depending on your jurisdiction of residence (including California CCPA/CPRA, New York SHIELD Act, and other state privacy regulations), you have rights regarding your personal information:

• The right to request disclosure of what personal information is held on file.
• The right to request correction of inaccurate identity or banking data.
• The right to request deletion of non-statutory data following loan payoff and collateral return.