Privacy Policy

Last updated: July 8, 2026 — placeholder draft

1. Information we collect

[PLACEHOLDER] Describe the categories of personal information Ladderpay collects from visitors, applicants, and plan holders — contact details, application data, credit signals obtained via soft pull, payment history, and usage analytics.

2. How we use information

[PLACEHOLDER] Underwriting and term recommendations, plan servicing and collection, communication, legal compliance, and product improvement.

3. Sharing

[PLACEHOLDER] Service providers (credit bureaus, payment processors), the business offering your plan, and legal requirements. Ladderpay does not sell personal information.

4. Your rights

[PLACEHOLDER] Access, correction, deletion, and opt-out rights; state-specific disclosures (CCPA/CPRA etc.).

5. Contact

Questions about this policy: hello@ladderpay.ai.