Privacy Policy

Privacy Policy

Effective Date: September 29, 2026

Ladder Financial (“Ladder Financial,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit a form, request information, schedule an appointment, communicate with us, or otherwise use our services.

Information We Collect

We may collect personal information that you voluntarily provide to us, including:

Name

Email address

Telephone number

Mailing address

Date of birth

Information submitted through online forms, questionnaires, or applications

Appointment and scheduling information

Information regarding your financial or insurance needs

Communications you send to us by phone, email, SMS, or through our website

We may also automatically collect certain technical information when you visit our website, such as your IP address, browser type, device information, pages visited, referring website, and information collected through cookies and similar technologies.

How We Use Your Information

We may use information collected through our website and services to:

Respond to your questions and requests

Provide information about insurance, financial, or related products and services

Schedule and manage appointments

Provide quotes or assist with determining available options

Process applications or service requests

Communicate with you by telephone, email, or text message

Send appointment confirmations and reminders

Follow up regarding products or services you have requested information about

Improve our website, advertising, services, and customer experience

Maintain business records

Prevent fraud and protect the security of our systems

Comply with applicable laws and regulatory requirements

SMS/Text Messaging

If you provide your mobile telephone number and consent to receive text messages from 082 Financial, we may send you text messages related to your inquiry, appointment, application, account, or services you have requested.

Message frequency may vary. Message and data rates may apply.

You may opt out of receiving text messages at any time by replying STOP. You may reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchasing any product or service.

Mobile information, SMS consent, and text messaging opt-in data will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

We may share information with service providers that assist us in delivering text messages and operating our communications systems, solely as necessary to provide those services on our behalf.

How We Share Information

We may share personal information when reasonably necessary to operate our business or provide services you request, including with:

Insurance carriers and other product providers when necessary to obtain quotes, determine eligibility, submit applications, or service a policy

Technology and communications providers

Customer relationship management and website service providers

Appointment scheduling providers

Payment processors, when applicable

Professional advisors and other service providers that assist with our business operations

Government agencies, regulators, courts, or law enforcement when required by law

We may also disclose information when we believe disclosure is necessary to protect our rights, prevent fraud, protect the safety of others, or comply with a legal obligation.

We do not sell your personal information for monetary compensation.

Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to understand how visitors interact with our website, improve our services, measure advertising performance, and provide relevant advertising.

Third-party platforms may collect information according to their own privacy policies when their technologies are used on our website.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect the functionality of portions of the website.

Advertising

We may use advertising platforms, including social media and search advertising services, to promote our services and measure the effectiveness of advertising campaigns.

These platforms may use cookies, pixels, or similar technologies to collect information about interactions with our website. Their collection and use of information are also governed by their respective privacy policies.

Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to provide services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal or regulatory requirements.

Your Choices and Rights

Depending on where you live and applicable law, you may have certain rights regarding your personal information.

You may contact us to request access to, correction of, or deletion of certain personal information we maintain about you, subject to applicable legal and regulatory record-retention requirements.

You may unsubscribe from marketing emails using the unsubscribe link contained in those communications.

You may opt out of SMS communications at any time by replying STOP.

Third-Party Websites

Our website may contain links to websites operated by third parties. We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review their privacy policies before providing personal information.

Children's Privacy

Our website and services are not directed toward children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through our website.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, technology, services, or legal requirements.

When changes are made, the updated Privacy Policy will be posted on this page with a revised effective date.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

082 Financial

Email: [email protected]

Website: www.ladderfinancial.net