Last updated 17/07/2025

LADDR LTD.

PRIVACY POLICY

1. INTRODUCTION

Laddr Ltd (“Laddr”) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit the Laddr Hub (regardless of where you visit it from). This policy will tell you about your privacy rights and how the law protects you. 

2. IMPORTANT INFORMATION AND WHO WE ARE

Purpose of this privacy notice

1. This privacy notice aims to give you information on how Laddr collects and processes your personal data through your use of the Laddr Hub (the proprietary web-based platform provided by Laddr for use by Users, Landlords, Letting Agents, Partners, Guarantors and recipients of Laddr profiles, and all associated products, services and communications).  

2. This Laddr Hub is not intended for children and we do not knowingly collect data relating to children.

3. It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.

Controller

4. Laddr is the controller and responsible for your personal data (collectively referred to as Laddr, the “Company”, “we”, “us” or “our” in this privacy notice).

5. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please email us at admin@laddrhub.com . 

Contact details

6. Our full details are: 

Laddr Limited (Company number 15949152)

Postal Address: 3rd Floor 86-90 Paul Street, London EC2A 4NE

Email address: admin@laddrhub.com

7. You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please email us at admin@laddrhub.com in the first instance.

Changes to the privacy notice and your duty to inform us of changes

7. We may change this policy by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from the ‘Last updated’ date at the start of the document.It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

3. THE DATA WE COLLECT ABOUT YOU

1. Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

2. We may collect, use, store and transfer different kinds of personal data, including:

3. We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.

4. HOW IS YOUR PERSONAL DATA COLLECTED?

1. We use different methods to collect data from and about you including through:

   1. Direct interactions. You may give us your Identity, Contact, Financial, Employment and Account Data by providing information via the Laddr Hub or by corresponding with us by post, phone, email or otherwise. 

   2. Indirect interactions. Where you are a tenant, we will receive information about you from your referees and from third-party providers including: Your family, associates and representatives including housemates and neighbours; Your or our professional advisors and consultants; financial organisations; credit reference agencies; fraud prevention agencies; debt collection and tracing agencies; employment and recruitment agencies; central government. Where you are a guarantor or referee for a prospective tenant, or a recipient of a tenant profile, we will have received your data from the tenant in support of their application.

   3. Automated technologies or interactions. As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies.

   4. Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources as set out below.

   5. Technical Data from the following parties:

      1. Analytics, storage, tools and media providers; 

      2. IP tracking service providers;

      3. Automated quality control tools;

      4. Automated security and compliance tools;

      5. Social media and media networks such as Twitter, LinkedIn, Instagram, YouTube and Vimeo; and

      6. Email distribution and survey providers;

   6. Identity and Contact data from providers of data feeds and hosting services provided in the UK.

5. HOW WE USE YOUR PERSONAL DATA

1. We will only use your personal data when the law allows us to. The lawful bases we rely on for processing this information are:

1. Your consent. You are able to remove your consent at any time. You can do this by amending your application, if you’d like to do so please email us at admin@laddrhub.com.

2. Where we need to perform the contract we are about to enter into or have entered into with you.

3. Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

4. Where we need to comply with a legal or regulatory obligation.

2. Please note that we may use your personal data for the following reasons:

   1. for the purposes of tenant referencing services for landlords / agent; and 

   2. for sharing your data with certain service providers for the purpose of the secure transfer of personal information and certain aspects of the credentialing process. 

   3. for training and improving our machine learning and artificial intelligence models, which support our tenant referencing, fraud detection, and service improvement efforts. We aim to use anonymised or aggregated data where possible. Where personal data is used, we do so in connection with a legal basis for processing and under our legitimate interest in improving the reliability and fairness of our services, and you have the right to object to such processing by emailing us at admin@laddrhub.com. 

3. If you choose to share your Laddr ID with landlords, letting agents, or other third parties, you consent to the transfer of your associated personal data. When you do, you consent to share the personal data linked to your profile. Please make sure you’re comfortable with who you’re sharing it with, as Laddr isn’t responsible for how others use or manage your information once it’s been shared at your request.

4. Please note that we have certain suppliers, including but not limited to TransUnion. We share certain personal data with TransUnion, a credit reference agency, to support aspects of our referencing services. In such cases, TransUnion acts as a data controller and is independently responsible for its processing. Please be advised of the privacy policy of TransUnion as listed at: https://www.transunion.co.uk/legal/privacy-centre. 

5. Where you use our identity verification services powered by Yoti, Yoti acts as a separate data controller. For details about how Yoti processes your personal data, please review the Yoti Privacy Policy: https://www.yoti.com/privacy/https://www.yoti.com/privacy/. 

6. We use VerifyPDF to assist in secure document validation and fraud prevention. Your use of our platform implies acceptance of VerifyPDF’s privacy policy (https://verifypdf.com/privacy) and terms and conditions (https://verifypdf.com/terms). VerifyPDF may use anonymised data to improve their anti-fraud tools.

7. Where you use Open Banking services provided by Atto, Atto acts as an additional data controller. For details about how Atto processes your personal data, their privacy policy can be found here: https://www.atto.co/policies/privacy-policy 

8. If you revoke consent directly with another third-party service, that revocation does not automatically apply to our use of your data. To revoke your consent with Laddr, please please email us at admin@laddrhub.com directly.

9. Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please please email us at admin@laddrhub.com if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out below.

10. We do not have any obligation to help enforcement or government bodies in their detection and prevention of fraud. Our suppliers may use identity documents submitted to improve and train our anti-fraud techniques and to maintain a database of suspected fraudsters, all of which will be in line with their privacy policies.

Marketing 

1. We aim to keep our communications useful, relevant, and respectful of your preferences, and give you the choice on what we contact you about. We have established the following personal data control mechanisms:

1. Promotional offers from us. From time to time, we may use your Identity, Contact, Technical, Usage, and Profile Data to form a view on what services or updates may be of interest to you. This helps us offer relevant products, features, or offers — for example, updates to the Laddr Hub or services that may support your renting journey. You will only receive marketing communications from us if you have consented by:

   1. requesting information from us,

   2. registering for or used the Laddr Hub,

   3. or expressing interest in our services,
      and in each case, have not opted out of receiving marketing messages.

2. Managing your preferences. You are always in control of your marketing preferences. You can ask us to stop sending you marketing messages at any time by emailing us at admin@laddrhub.com. Opting out of marketing messages will not affect communications that are necessary as part of our service — for example, updates about your account, legal notices, or referencing progress.

3. Cookies. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site about aspects of your visit. The cookies we use are for authentication purposes and to enable key functionality of the Laddr website, such as keeping an end-user logged in, being able to tie a visitor to an app user through sign-up, etc. To be specific, here are the cookies we set by default: one to mark the user’s session ID; one with the session signature to prevent tampering; and one that tells the browser who the current user is.

2. Where you are a recipient of a Laddr ID shared by a tenant, we will process your contact details to deliver the profile and may use your contact details to follow up with relevant information about updates to the Laddr Hub and our services. We rely on our legitimate interest in supporting the tenant’s application, improving landlord-tenant transparency, and providing relevant services to those who receive tenant profiles. You have the right to object to this use at any time (see “Your Legal Rights” below).

6.  INTERNATIONAL TRANSFERS

1. Wherever possible we do not transfer your personal data outside the UK or the European Economic Area (EEA).

2. Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring we will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data.

3. Where we use certain service providers, we may use specific contracts approved for use in the UK which give personal data the same protection it has in the UK.

7. DATA SECURITY

1. We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered, or disclosed. These measures include encryption, access controls, secure servers, and regular security audits.

2. We limit access to your personal data to those who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality.

3. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. DATA RETENTION

How long will you use my personal data for?

1. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Please note that we will retain your data for the continuity of your Laddr profile unless you expressly request such data to be destroyed. Any inactive Laddr profile or inactive user, including any recipients of such profile or user, will be removed from the Laddr Hub upon the expiry of 2 years from the last login to such Laddr profile. 

2. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

3. In some circumstances you can ask us to delete your data: see Request erasure below for further information. We will erase, destroy or remove your personal data upon such request under clause 9(c) as early as reasonably practicable and no later than within 2 weeks.

4. In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you. 

9. YOUR LEGAL RIGHTS

1. Under certain circumstances, you have rights under data protection laws in relation to your personal data, including:

1. Request access to your personal data.

2. Request correction of your personal data.

3. Request erasure of your personal data if there is no good reason for us to continuing to process it.

4. Object to processing of your personal data.

5. Request restriction of processing your personal data.

6. Request transfer of your personal data.

7. Right to withdraw consent. 

If you wish to exercise any of the rights set out above, please email us at admin@laddrhub.com

No fee usually required

8. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

What we may need from you

9. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

10. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.