MEMORANDUM **

Plaintiff Dorothy Durbin appeals the district court’s grant of summary judgment in favor of Defendant Hartford Life Insurance Company (“Hartford”). On de novo review, Baccei v. United States, 632 F.3d 1140, 1144 (9th Cir. 2011), we affirm.

1. Even if Plaintiffs financial abuse claim were not time-barred, an issue that we need not decide, there is no evidence that Hartford “retained]” Plaintiffs property. See Cal. Welf. & Inst.Code § 15610.30(a)(1) (“‘Financial abuse’ of an elder ... occurs when a person or entity ... retains real or personal property of an elder ... for a wrongful use.... ”). Pacific Standard Life Insurance Company and Hartford issued the loans in 1990, 1992, and 1997. Although those acts may have violated the contract, in none of these instances did Hartford (or its predecessor) keep the funds.

2. Plaintiff cannot show that Hartford,' in 2011, had a legal duty to repay the loans and, therefore, that it retained property for a “wrongful use.” Id. Not every financial taking or withholding constitutes financial abuse of an elder, especially when the elder has no legal right to the proper *826 ty. See Stebley v. Litton Loan Servicing, LLP, 202 Cal.App.4th 522, 134 Cal.Rptr.3d 604, 608 (Ct.App. 2011) (noting that it is not “wrongful use” for “a commercial lender to ... take collateral, or to foreclose on collateral when a debt is not paid” (internal quotation marks omitted)).

AFFIRMED.