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Privacy Policy

Effective Date: August 12, 2026

1. Introduction

Blue Front Financial, dba Ladder Loans ("we," "us," or "our") values your privacy and is committed to protecting the personal and financial information you share with us.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a loan application, or interact with us through email, phone, or other means.

By using our website or submitting your information, you agree to this Privacy Policy and our Terms of Use.

2. Information We Collect

We collect both personal and financial information directly from you, from your device, and from verification services.

A. Information You Provide

• Contact Information: Name, email address, phone number, mailing address.
• Financial & Employment Information: Employment status, employer, income, housing status, requested loan amount, purpose of the loan, and related details.
• Financial Documents: Bank statements, pay stubs, tax returns, identification documents, and other financial records submitted through our form or upload portal.
• Communications: Information contained in phone calls, emails, texts, or chats with our team.
• Consent Records: Timestamps, IP addresses, and digital signatures confirming your authorization.

B. Information Collected Automatically

When you visit our website, we automatically collect:

• Device & Usage Data: IP address, browser type, operating system, referring URLs, and browsing behavior.
• Cookies & Tracking Pixels: Used for analytics, retargeting, and ad performance tracking (e.g., Google Analytics, Meta Pixel, TikTok Pixel).
• Session Data: Time on site, pages viewed, and form progression analytics.

C. Information From Verification Sources

We may receive data from credit bureaus, identity verification services, and public databases in order to verify the information you submit and prevent fraud.

We do not purchase, rent, or acquire contact lists for the purpose of sending marketing communications, and we do not send text messages to any individual who has not personally submitted their number to us and provided express written consent on our own application form.

3. How We Use Your Information

We use the information we collect to:

• Evaluate your request for potential loan options.
• Match your profile with lenders and lending partners in our network.
• Communicate with you about your inquiry, application, or related products.
• Verify your identity and prevent fraud.
• Improve website performance, marketing campaigns, and customer experience.
• Comply with legal and regulatory obligations.

We may combine data collected through various channels (website, email, phone, ads) to create a unified profile for loan evaluation.

4. Legal Basis for Processing (for GDPR/UK users)

If you are located in the European Economic Area or UK, our legal bases for processing include:

• Your consent (Article 6(1)(a)).
• Performance of a contract or pre-contractual steps (Article 6(1)(b)).
• Our legitimate interests in marketing and fraud prevention (Article 6(1)(f)).
• Compliance with legal obligations (Article 6(1)(c)).

5. Sharing & Disclosure of Information

We may share your information as follows:

A. Lending Partners

We may share your personal and application data with lenders and lending partners that evaluate or provide loans, so that they can review your request. These partners may contact you by phone or email regarding your loan inquiry.

We do not sell, rent, or share your mobile phone number or your SMS consent with Lending Partners, affiliates, or any other third party for text messaging, marketing, or promotional purposes. All text messages you receive in connection with your application are sent by us only.

B. Service Providers

We work with vendors who help us operate our website, process applications, perform analytics, verify data, or send communications. They are bound by confidentiality obligations and are prohibited from using your information for any purpose other than providing services to us.

C. Legal & Compliance

We may disclose your information to law enforcement or regulators as required by law or to protect our rights.

D. Corporate Events

In the event of a merger, acquisition, or sale of assets, your data may be transferred to the new entity.

We do not sell personal information as defined under the CCPA. We may share limited non-mobile data for business purposes such as ad targeting and analytics. Mobile phone numbers and SMS consent data are excluded from all such sharing.

6. Cookies & Tracking Technologies

We use cookies, pixels, and similar tools to:

• Track site usage and conversion performance.
• Deliver personalized ads and retargeting campaigns.
• Measure the effectiveness of marketing efforts.

You can control cookie settings via your browser or by visiting AboutAds.info.

7. SMS/Text Messaging and Consent (TCPA)

If you provide your mobile number and check the SMS consent box on our application form, we may send you text messages about your loan application, including status updates, document requests, appointment scheduling, and responses to your inquiries. These messages are sent by us only.

No mobile information will be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third party except subcontractors and service providers, such as our messaging platform, who assist us in delivering these messages and who are prohibited from using this information for any other purpose.

SMS consent is optional, is collected through a separate checkbox that is not pre-selected, and is not a condition of applying for or receiving a loan. Message frequency varies based on your application activity. Message and data rates may apply. You may opt out at any time by replying STOP to any message. Reply HELP for assistance, or contact us at [SUPPORT EMAIL].

8. Other Communications Consent (ESIGN)

By submitting your information, you consent to receive phone calls and emails from us regarding your loan inquiry. You also consent to receive and sign documents electronically pursuant to the ESIGN Act.

Consent is not required to apply for or receive a loan. You may opt out of emails at any time by using the unsubscribe link, or request to stop calls by contacting us at [SUPPORT EMAIL].

9. Data Security

We use administrative, technical, and physical safeguards to protect your information. These include encryption of data in transit, secure storage of uploaded documents, and limited employee access based on business need.

However, no electronic transmission is 100% secure, and you acknowledge that you provide information at your own risk.

10. Retention of Information

We retain your data only as long as necessary to:

• Fulfill the purpose it was collected for.
• Comply with legal and accounting requirements.
• Maintain records for potential future loan opportunities.

Records of SMS consent and opt-out requests are retained for a minimum of four years as required for compliance purposes.

11. Your Privacy Rights

Depending on your location, you may have the right to:

• Access or request a copy of your data.
• Correct or delete inaccurate information.
• Opt out of marketing or sharing with third parties.
• Request limitation of processing or object to automated decision-making.

Submit requests to [SUPPORT EMAIL] and include proof of identity. We will respond within the time required by law.

12. International Data Transfers

If you are outside the United States, note that your data will be transferred and processed in the U.S., which may have different privacy protections.

By using our site, you consent to this transfer.

13. Children's Privacy

Our services are not intended for anyone under 18 years old.

We do not knowingly collect data from minors. If we become aware that a child has provided information, we will delete it promptly.

14. Third-Party Links & Partner Sites

Our website may contain links to external sites not operated by us.

We are not responsible for the content or privacy practices of those third-party websites.

15. Changes to This Policy

We may update this Privacy Policy periodically. The updated version will be posted with a new "Effective Date."

We encourage you to review it regularly.

16. Contact Us

If you have questions or concerns about this Privacy Policy, contact us at:

Email: [SUPPORT EMAIL]
Phone: [PHONE NUMBER]