LADDR LTD Organisation Terms of Service
Last updated 06/04/2026
LADDR LTD.
WHO WE ARE
Registered name: Laddr Ltd
Registered address: 3rd Floor, 86–90 Paul Street, London EC2A 4NE
Company number: 15949152
VAT number: 482 6758 47
Email: admin@laddrhub.com
ORGANISATION TERMS OF SERVICE
laddrhub.com is owned and operated by Laddr Ltd (“Laddr”, “we”, “us”, “our”), a company incorporated in England and Wales with company number 15949152, whose registered office is at 3rd Floor, 86-90 Paul Street, London EC2A 4NE. We provide an online platform at laddrhub.com (the “Platform”) to enable businesses and individuals, including letting agents and landlords (“you” or the “Client”) to manage tenant, guarantor, and company referencing applications and to access associated services.
These Organisation Terms of Use (the “Terms”) apply to any business or individual that accesses or uses the Platform or our Services. Together with any Order Form or other commercial agreement between us, they form the full agreement between us.
By accessing the Platform, accepting during sign-up, or using our Services in any way, you agree to be bound by these Terms. If you do not agree, you must stop using the Platform and our Services.
1.1 Only someone with authority to bind you or your organisation to these Terms may sign up on your behalf. By completing sign-up, you confirm that you have that authority.
1.2 You are responsible for making sure all Client Users keep their login credentials private and do not share them with anyone else. Each Client User must have their own individual login and must use multi-factor authentication where we make this available.
1.3 You must notify us immediately at admin@laddrhub.com if you become aware of any unauthorised access to the Platform or any Client User account.
1.4 You must make sure that any information you provide to us is accurate and kept up to date.
1.5 You must remove Platform access for any Client User promptly, and in any event within 24 hours, where that person ceases to be employed by or engaged by you, or where you no longer wish them to have access. You must notify us at admin@laddrhub.com if you are unable to do so and we will assist with deactivation.
1.6 You are responsible for all actions taken on the Platform by your Client Users, whether or not those actions were authorised by you.
2.1 As long as you comply with these Terms, we give you a right to access and use the Platform during the Term for the Permitted Purpose.
2.2 You must not:
(a) use the Platform, Services, or any Referencing Report for anything other than the Permitted Purpose;
(b) share, sell, or pass on any Referencing Report or the data in it to any third party, except as permitted under clause 4.2;
(c) attempt to copy, reverse engineer, or build on any part of the Platform, or test it to find vulnerabilities or weaknesses;
(d) use the Platform, Services, Referencing Reports, or any outputs to develop, train, fine-tune, or improve any machine learning models, algorithms, or other systems that compete with or replicate the Services;
(e) scrape, copy, or extract data from the Platform by any automated or manual means;
(f) transmit any virus, malware, or other harmful code;
(g) interfere with or disrupt the operation of the Platform or Services, or attempt to gain unauthorised access to any part of the Platform or any other user’s account; or
(h) use the Platform or Services to build a product or service that competes with us.
2.3 You must not misrepresent your identity, your authority to act, or your connection to any applicant you submit for referencing. You must not submit an applicant for referencing where you have no genuine and lawful purpose for doing so or no legitimate connection to that applicant in the context of a specific tenancy or property application.
2.4 We may temporarily or permanently restrict your access to the Platform if we reasonably believe you have breached these Terms or if we need to do so to protect the security of the Platform or Services.
2.5 Client Users must be individuals who are employees of, or contractors engaged directly by, your organisation. You must not grant Platform access to any third party without our prior written consent.
3.1 We will provide the Services with reasonable skill and care.
3.2 The Platform is provided as it is and as available. We do not promise it will be uninterrupted or error-free, but we will use reasonable efforts to keep it running.
3.3 In providing our Services, we work with Third Party Providers. We can change our Third Party Providers at any time without notice or your approval. Changing providers does not affect our obligations to you under these Terms.
3.4 Referencing Reports are for information only and are not advice, a recommendation, or a guarantee. Data in a Referencing Report may originate from applicants or Third Party Providers and is not independently verified in all cases. We do not warrant that any data or outputs provided through the Platform are accurate, complete, or up to date. Any reliance on the Services or a Referencing Report is at your own risk, and the decision whether to proceed with any applicant rests entirely with you or the relevant landlord.
3.5 Laddr is not a regulated credit broker, lender, insurer, legal adviser, or credit reference agency within the meaning of the Consumer Credit Act 1974, and does not provide regulated consumer credit services. Nothing we provide constitutes legal, financial, regulatory, or professional advice. You are responsible for ensuring your use of the Services complies with all laws applicable to you, including those governing tenant referencing, right to rent, and data protection.
3.6 We may update or change the Platform from time to time. If any change materially reduces what the Services can do, we will give you reasonable notice.
3.7 Our Services may use automated processing and machine learning models as part of the referencing process. You must not treat any Referencing Report as a substitute for your own independent assessment of an applicant.
3.8 Where our Services include right to rent checks, we facilitate the checking process only. We do not guarantee that any check carried out through the Platform will satisfy the requirements of the Immigration Act 2014 or any related legislation. The relevant legal obligation to ensure right to rent compliance rests with the parties to the tenancy, not with Laddr.
4.1 You must:
(a) comply with all applicable laws in connection with your use of the Services, including data protection law and right to rent obligations, and where applicable to your business, anti-money laundering requirements;
(b) keep all systems used to access the Platform secure, with up-to-date antivirus software;
(c) store all data you receive from us securely in password-protected, encrypted environments and not on unencrypted mobile or external storage devices; and
(d) make sure any third party you share Referencing Report data with is bound by confidentiality obligations at least as strong as those in these Terms.
4.2 Where you are a letting agent, you may share a Referencing Report with the landlord of the specific property the application relates to, and with employees or other individuals within your organisation who need access for that purpose. You must not share the report with anyone outside your organisation except as set out in this clause.
4.3 You must tell us straight away if you become aware of any actual or suspected data breach involving data you have received from us.
5.1 You will pay us the fees set out in the Order Form or as otherwise agreed.
5.2 All fees are exclusive of VAT, which will be added at the applicable rate.
5.3 If you do not pay an invoice on time, interest will accrue on the overdue amount at 4% above the Bank of England base rate from the due date until it is paid.
5.4 We may increase our fees once per year on at least 60 days written notice. Any increase will not exceed the greater of CPI or 3%.
6.1 We own all intellectual property rights in the Platform and all associated software, content, and materials. Nothing in these Terms transfers any of those rights to you.
6.2 You keep ownership of any data you put into the Platform, and you give us a non-exclusive licence to use that data to deliver and improve the Services.
6.3 Referencing Reports are provided for use within the Permitted Purpose only. You get no intellectual property rights in them.
6.4 If you provide us with any feedback or suggestions about the Platform or Services and we implement changes based on that feedback, we own all intellectual property rights in those changes.
6.5 We may refer to you as a client of Laddr and use your name and logo in our marketing materials, user journeys, and communications with applicants. Your name and logo remain your property. We will not make any other use of your trademarks without your prior written consent. Neither of us will make any public statement or announcement about the other, this agreement, or the Services without the other’s prior written consent, except as required by law.
7.1 Each of us will keep the other’s Confidential Information private and will not share it without written consent, except where required by law.
7.2 Each of us may share Confidential Information with our own staff and professional advisers who need it to carry out this agreement, as long as those people are bound by equivalent confidentiality obligations.
7.3 These confidentiality obligations survive termination for three years.
7.4 Confidential Information does not include information that: (a) is or becomes publicly available without either of us breaching these Terms; (b) the receiving party already knew before it was shared; (c) comes from a third party without any confidentiality restriction; or (d) must be disclosed by law or by a court or regulator.
8.1 Both we and you act as independent data controllers in respect of applicant personal data processed in connection with the Services. Each of us is responsible for our own processing and compliance with UK GDPR.
8.2 Each of us will only process applicant personal data for the Permitted Purpose and in line with applicable data protection law.
8.3 You are responsible for:
(a) making sure you have a lawful basis to request a reference for a prospective applicant;
(b) giving applicants appropriate information about how their data will be used;
(c) handling data subject rights requests from applicants in respect of data you hold;
(d) storing and processing Referencing Report data securely; and
8.4 you agree to indemnify us against any claims, losses, fines, or costs we suffer as a result of your use or misuse of data received from us, including any claims brought by data subjects or regulators in connection with your processing of that data.
8.5 We are responsible for:
(a) making sure we have a lawful basis for processing applicant personal data in the referencing process;
(b) giving applicants appropriate privacy information through our Privacy Policy; and
(c) handling data subject rights requests from applicants in respect of data we hold.
8.6 Each of us will tell the other within 48 hours of becoming aware of a personal data breach that affects the other’s data.
8.7 Each of us will give reasonable help to the other in responding to data subject rights requests where both of us hold relevant data.
8.8 After this agreement ends, you must not use any data received from us for any new purpose that was not established during the Term.
9.1 Nothing in these Terms limits either party’s liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) anything else that cannot be excluded by law.
9.2 Our total liability to you, whether in contract, negligence, or otherwise, will not exceed the total fees you have paid to us in the 12 months before the event giving rise to the claim. This limit applies as an aggregate cap for all claims, whenever made.
9.3 Neither of us will be liable to the other for any indirect or consequential loss, loss of profit, loss of revenue, loss of business, loss of data, or loss of goodwill, even if warned of the possibility of such loss.
9.4 We are not liable for any loss arising from: (a) any decision made by you or a landlord based on a Referencing Report; (b) anything done or not done by a Third Party Provider; or (c) the availability, performance, or failure of the internet or any third party infrastructure used to deliver the Services.
10.1 These Terms take effect when you first agree to them or use the Platform, and continue for the Term, subject to renewal as set out in the Order Form.
10.2 Either of us may end the agreement immediately by written notice if the other: (a) materially breaches these Terms and, where the breach can be fixed, does not fix it within 30 days of written notice; (b) becomes insolvent or enters administration; or (c) stops or threatens to stop trading.
10.3 We may suspend your access to the Platform immediately by written notice if: (a) you fail to pay any amount due to us and that amount remains unpaid 14 days after we have notified you that it is overdue; or (b) we reasonably believe you have breached these Terms or are using the Platform in a way that poses a risk to the security of the Platform or to any other user. We will restore access once the reason for suspension has been resolved to our reasonable satisfaction. Suspension does not affect your obligation to pay any fees that are due.
10.4 When this agreement ends for any reason:
(a) your access to the Platform stops immediately;
(b) you pay any outstanding fees within 30 days; and
(c) clauses 6, 7, 8, 9, and 10.4 continue after termination.
11.1 Governing law. These Terms are governed by the law of England and Wales. Both of us agree to the exclusive jurisdiction of the courts of England and Wales.
11.2 Entire agreement. These Terms and any Order Form make up the full agreement between us on this subject and replace anything discussed or agreed before.
11.3 Changes to these Terms. We may update these Terms from time to time. We will publish the updated Terms at laddrhub.com/terms and notify you by email at least 7 days before changes take effect. If you continue to use the Platform after that date, you will be taken to have accepted the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform before they take effect.
11.4 Waiver. Not enforcing a right under these Terms does not mean giving it up.
11.5 Severance. If any part of these Terms is found to be invalid or unenforceable, the rest continues in full force.
11.6 Assignment. We may assign or transfer our rights and obligations under these Terms at any time without your consent. You may not do so without our prior written consent.
11.7 Notices. Formal notices to us must be sent to admin@laddrhub.com. Formal notices to you will be sent to the email address in your Order Form or, where no Order Form exists, the email address used to register for the Platform.
11.8 No partnership. These Terms do not create a partnership, joint venture, or agency between us.
11.9 Third party rights. No one other than us and you has any rights under these Terms.
11.10 Force majeure. Neither of us is liable for failing to meet our obligations because of circumstances beyond our reasonable control, including natural disasters, pandemic, war, or failure of telecommunications or internet services. If this continues for more than 30 days either of us may end the agreement by written notice.
11.11 Insurance introductions. We are an Introducer Appointed Representative of Alan Boswell Insurance Brokers Ltd (“ABIB”), which is authorised and regulated by the Financial Conduct Authority. Where we introduce you or an applicant to ABIB, we do so as an introducer only. We do not give advice on, arrange, or handle insurance products, claims, or premiums. Any insurance business is handled entirely by ABIB.
11.12 No reliance. You acknowledge that in agreeing to these Terms you have not relied on any promise, assurance, or representation made by us, whether during any sales process or demonstration, except as expressly set out in these Terms.
DEFINITIONS
“Client User” means anyone you authorise to access the Platform on your behalf.
“Confidential Information” means any information one of us shares with the other that is marked confidential, or that a reasonable person would treat as confidential in the circumstances.
“CPI” means the percentage change in the Consumer Price Index for the twelve month period most recently published by the Office for National Statistics prior to the relevant anniversary date.
“Laddr Hub” means the web-based platform through which we deliver our Services.
“Order Form” means any order form, letter of engagement, or other document agreed between us setting out the specific services and commercial terms. Where no such document exists, it means the terms communicated by us and accepted by you during sign-up or by use of the Platform.
“Permitted Purpose” means assessing the suitability of a prospective applicant in connection with a tenancy or property application, monitoring tenants or properties during a tenancy, or such other purposes as are agreed between us in writing.
“Personal Data” has the meaning given in the UK GDPR.
“Platform” means the Laddr Hub and all associated technology and systems used to deliver the Services.
“Referencing Report” means any report, output, or assessment generated by us following completion of a referencing application, whether in respect of a prospective tenant, guarantor, company, or other applicant.
“Services” means the services we provide to you, as set out in the Order Form or as otherwise agreed.
“Term” means the duration of the agreement as set out in the Order Form, or where no Order Form exists, until terminated in accordance with these Terms.
“Third Party Providers” means the third party suppliers we work with to deliver parts of our Services, including credit reference agencies, identity verification providers, open banking providers, employment and income verification providers, document verification providers, cloud infrastructure and hosting providers, and communications and messaging providers.
“UK GDPR” means the UK General Data Protection Regulation as defined in the Data Protection Act 2018.
