PRIVACY AND COOKIE POLICY

Effective Date: This Privacy and Cookie Policy is effective as of July 31th, 2024.

This Privacy and Cookie Policy (“Policy”), subject to applicable law, applies to any websites, applications, and online features (“Content”) of Home Ladder, LLC. In this Policy, we use the terms “Home Ladder,” “we,” “us,” and “our” to collectively refer to Home Ladder, LLC.

1. INFORMATION YOU PROVIDE

We may collect the following categories of personally identifiable information (“Personal Data”) that you provide to us when using our website:

Contact Information: This information enables us to stay in touch with you and may include your email address.
Electronic Records: This information includes some data about you or your device that is obtained when you access our Content.
Usage Information: We and our partners and external service providers, such as Google Analytics, may use various technologies that collect and provide information about how Content is accessed and used. Usage information may include your browser type and version, operating system, service provider, visited web pages and applications, the time you visited them and how long you stayed, demographic information (such as age, gender, language, location, and areas of interest when available), your location, time zone, language, and the web pages you viewed before visiting the current page.
Device Identifiers: We may also automatically collect your IP address or other unique identifiers of the computer, mobile device, technology, or other device you use to access the Content. The unique identifier is a number automatically assigned to your device when you access a website or its servers, and our computers identify your device by this number. Some mobile service providers may also provide us with the physical location of the device used to access the Content.

2. INFORMATION WE RECEIVE FROM THIRD PARTIES

The Content may include hyperlinks to third-party services (“Third-Party Services”), plug-ins, websites, locations, platforms, applications, or services operated by third parties. These third-party services may use their own cookies, web beacons, and other tracking technologies to collect information about you independently and may request personal data. In these cases, their privacy policy applies, not this one.

3. HOW WE USE YOUR INFORMATION

We use the categories of Personal Data described above for the following purposes:

To fulfill a contract or take steps linked to a contract:
1. To send you information about changes to our terms and conditions or our policies.
Where necessary for purposes which are in our or third parties’ legitimate interests:
1. To ensure the security of our sites and applications, preventing unauthorized or malicious activities.
2. To determine your approximate location and tailor our Content (e.g., language, territorial restrictions).
Where you give us your consent:
1. When you ask us to send you marketing information via a medium where we need your consent (e.g., email marketing).
2. When required by applicable law, consent for placing cookies and using similar technologies.
3. On other occasions where we ask for your consent for a specific purpose, which we explain at that time.
For purposes required by law:
1. To respond to requests from government or law enforcement agencies conducting an investigation.

4. COOKIES AND SIMILAR TRACKING TECHNOLOGIES

Cookies, web beacons (also known as “tracking pixels”), and other tracking technologies may be used by Home Ladder and third parties to collect information about interactions with Content or emails, including information about how you browse. These cookies and similar tracking technologies allow us to recognize you when you visit a site or application, or when you open an email; perform various functions, such as enabling efficient navigation between pages, remembering your preferences, and generally improving your experience.

We use tracking technologies to analyze which Content is most popular and most viewed and which is least, and to obtain general information about Content users (such as age, gender, and areas of interest). We use analytics services provided by Google and others to analyze and improve your browsing experience as described in this paragraph. If you do not want us to use the information about your visits this way, click here for Google; to opt out of their services and other analytics services, follow the instructions below.

Managing Tracking Technologies

If you are using our Content through a browser and cookies are displayed, you can change your cookie preferences and withdraw your consent at any time using the Cookie Consent Tool (which appears in the bottom left corner). Cookies are not necessary to use our Content, but disabling them may affect your experience on our sites and applications.

Additionally: (1) the Help menu on the menu bar of most browsers explains how to prevent the browser from accepting new cookies, how to delete old cookies, how to have the browser notify you when you receive a new cookie, and how to disable cookies altogether; (2) you can opt-out of analytics services as explained above.

Location Identification Technologies

Subject to applicable law, we may use GPS software, geofencing, and other location identification technologies to locate you (sometimes precisely) to, for example, verify your location and deliver or restrict Content (e.g., territorial restrictions) based on your location. You can disable precise geographic location tracking through your device’s location settings or our Content (if available).

Apple iOS, Android Devices, and Other Connected Devices

By accessing certain applications from these devices, you consent to storing cookies and other technologies on your device for analytics. These cookies are non-essential for the website to function. Depending on your device, you may have the option to disable or delete these cookies from the device through settings.

5. HOW WE SHARE YOUR PERSONAL DATA

We may share your Personal Data in the following circumstances:

Third parties providing services on our behalf: We share data with our business partners and third parties who perform functions on our behalf, such as web hosting or operating our site and applications, sending emails, and conducting data analysis.

6. YOUR RIGHTS

Where required by applicable law, you may have the right to receive confirmation from us that we maintain certain personal data about you, and you may verify its content, origin, and accuracy. You may also have the right to access, review, transfer, delete certain personal data, or block or withdraw consent for the processing of certain personal data (without affecting the legitimacy of the processing carried out before the withdrawal of consent).

Send an email to [email protected] to submit a request to exercise your rights and to contact us with general questions about privacy. We may ask for some information to verify the identity of the person seeking access to their personal data.

We will make reasonable efforts to implement the requested changes to our relevant consumer databases that are active at that time as soon as possible, but we may not always be able to change, withdraw, or delete your information from our databases immediately and completely. Thus, some residual or archived data may continue to be stored. Additionally, we reserve the right to retain your personal data (a) as permitted by applicable law, (b) as required by applicable law, and (c) as necessary to fulfill the purpose for which the data was retained, unless prohibited by applicable law.

You may unsubscribe from receiving newsletters via email by following the respective instructions provided in those emails.

7. DATA SECURITY

We take technical and organizational measures to protect your personal data against loss, misuse, alteration, or unintentional destruction. However, no security measure can guarantee that data will not be breached. You also play an important role in protecting your personal data. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately by sending an email to [email protected].

8. OTHER IMPORTANT ISSUES

You are not required to provide all the personal data specified in this Privacy and Cookie Policy to use our Content or to interact with us offline.

We do not use automated decision-making without human intervention, even in profiling assessments, in any way that has legal effects that may concern you or significantly affect you.

Regarding the personal data we collect and process for other purposes described above, we generally retain such data for no longer than necessary to fulfill the purposes set forth in this Privacy and Cookie Policy, or as necessary to exercise or fulfill tax, business, compliance, legal, or other rights or obligations. If requested, we securely delete such data as prescribed by applicable law.

9. CHANGES TO THIS POLICY

We may update this Privacy and Cookie Policy periodically as our service and privacy practices change or as required by law. The effective date of this policy is indicated above, so we encourage you to visit our Content periodically to stay informed about our privacy practices. We will post the updated version of the Privacy and Cookie Policy on our Content and seek your consent to implement the changes as required by applicable law.

10. CONTACT US

If you have any questions or comments about this Privacy and Cookie Policy or our privacy practices, please contact us by sending an email to [email protected].

You may also have the right to lodge a complaint with a data protection supervisory authority in the country where you live or work or where you believe a data protection breach has occurred.