Terms of Service

Last updated: July 8, 2026 — placeholder draft

1. Acceptance of terms

[PLACEHOLDER] Agreement to these terms by using the Ladderpay website and services; eligibility requirements.

2. The service

[PLACEHOLDER] Ladderpay provides underwriting, plan-document, payment collection, and remittance services for installment plans offered by participating businesses. Ladderpay is not the lender; plans are between the business and its customer.

3. Accounts and acceptable use

[PLACEHOLDER] Account responsibilities, prohibited conduct, accuracy of submitted information.

4. Disclaimers and limitation of liability

[PLACEHOLDER] Warranty disclaimers, liability caps, indemnification.

5. Governing law & contact

[PLACEHOLDER] Governing law and dispute resolution. Questions: hello@ladderpay.ai.