Terms and Conditions

Acceptance

These Terms apply to your use of this Site. By visiting or using this Site, or otherwise indicating your agreement to be bound by these Terms, you are acknowledging that you have read, understood, and accept the Terms. Continued use of the Site constitutes your acceptance of any revisions to these Terms.

Definitions

Except in the sections entitled “Consent to Doing Business Electronically for Residents of the District of Columbia and All States Except New York” and “Consent to Doing Business Electronically for Residents of New York”, “Ladder” or “us” or “our” or “we” refers to Ladder Financial Inc., Ladder Insurance Services, LLC, and each of their affiliates. “Site” means www.ladderlife.com and any other Internet sites operated by us, our online services, mobile services, and software. “You” and “Your” means the user of this Site.

Limitations of Use

The Site is intended solely for use by United States residents who are at least 18 years of age and have otherwise reached the age of majority.

You agree to use the Site only for lawful purposes. You may not use the Site in any way that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of this Site, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on the Site is strictly prohibited.

We may change the Site, stop offering products and services through the Site, or create usage limits for the Site without prior notice. We may permanently or temporarily terminate or suspend your access to the Site without notice and liability for any lawful reason, including if in our sole determination you violate any provision of these Terms, or for no reason if lawfully permitted. Upon any such termination, you continue to be bound by these Terms. Notwithstanding the foregoing, any such suspension, termination, or other change to the Site shall not be with respect to and shall not affect any products and services, including insurance coverage, you’ve already obtained through the Site.

Collection and Use of Personal Information

Website Security

We maintain commercially reasonable administrative, physical, and technical safeguards designed to prevent any unauthorized use, access, processing, destruction, loss, alteration, or disclosure of the data and information you provide us. In the event that any data or information under our control is compromised as a result of a breach of security, we will investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

Your Obligations and Authorizations

You do not need to register with us to visit and view the Site. However, to access certain password-protected areas of the Site and to apply for the products and services offered through the Site, you must register for an account. When registering for an account through the Site, you must provide accurate and complete information, and you must keep this information up to date. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify us immediately in the event you become aware of any breach of security or unauthorized use of your account. We will not be liable for any losses caused by any unauthorized use of your account.

In order to access or use certain aspects of the Site, we may need your authorization to (i) collect information provided by you through the Site, including certain personal information, personal health information, signatures, data, passwords, usernames, PINs, and other information, materials, and content necessary for us to provide the products and services offered through the Site to you, and (ii) retrieve and manage information of yours maintained by certain third-party institutions (“Your Data”). You hereby grant us a non-exclusive, royalty-free license under any applicable intellectual property rights to use Your Data solely in connection with the provision of the products and services offered through the Site.

You represent and warrant that the portion of Your Data you provide us is accurate and complete, and that you are authorized to submit it to us without any obligations on us, including but not limited to the payment of fees. We have no liability or other responsibility for inaccuracy or incompleteness, or your inability to use the Site due to such inaccuracy or incompleteness. You are and will be responsible for the consequences of any instructions you provide us and that we follow. You hereby authorize us to: (i) store Your Data in accordance with applicable laws, and (ii) use any signatures or other materials you provide us in order to provide you the products and services offered through the Site.