Last updated 17/07/2025

LADDR LTD.

TERMS AND CONDITIONS

Certain terms used throughout these Terms and Conditions are capitalised and have specific meanings. These defined terms are listed in the Definitions section at the end of this document.

1. OUR SERVICES

1. Laddr provides services to Landlords, Letting Agents, or Partners (as applicable) consisting of the collection and analysis of tenant data for the purpose of assessing the suitability of prospective tenants (Our Services). The Services may include, without limitation, facilitating credit checks, affordability assessments, background checks and identity verification.

2. USE OF INFORMATION PROVIDED BY YOU

1. Laddr is a Data Controller as defined by Data Protection Legislation.

2. To verify the contents of Your application, Laddr will need to share personal data with the third parties listed below and the Landlord/Letting Agent.

3. Our Privacy Policy is available at https://laddrhub.com/privacy-policy/  and is incorporated in these terms and conditions.

4. By signing up to Laddr, you undertake that you comply with any applicable laws and regulations (and carry out your business in line with good industry practice if you are a business user).

5. Should it be necessary for Laddr to transfer Personal Data overseas, any such transfers will be made in full compliance with Data Protection Legislation.

6. In order to complete Your application, we will consult with a number of sources to verify the information that You provide. The parties with whom it may be necessary for Laddr to share information relating to Your application may include but are not limited to:

1. Your family, associates and representatives including housemates and neighbours;

2. Your or our professional advisors and consultants;

3. financial organisations;

4. credit reference agencies;

5. fraud prevention agencies;

6. debt collection and tracing agencies;

7. employment and recruitment agencies; and

8. Central government.

7. You understand and acknowledge that Laddr may process information provided by you using machine learning or artificial intelligence models.

8. You understand that Laddr may approach third parties including those listed above and will rely upon “performance of a contract” or where necessary, “prevention or detection of a crime” or another legal bases for this processing activity.

9. You understand that Laddr may consult with a licensed credit reference agency regarding Your Application. You understand that Laddr may share such Personal Data with the credit reference agency as is necessary to carry out a search.

10. You understand, acknowledge and accept that a credit reference agency may record the results of any search conducted in relation to Your Application.

11. You understand, acknowledge and accept that the credit reference agency search may show how You conduct payments with other entities and that from time to time this information may also be used for debt tracing and fraud prevention.

12. The personal information we collect may be shared with fraud prevention agencies to verify your identity and prevent fraud or money laundering. If fraud is detected, you could be refused certain services, finance, or employment. Further details on how your data may be used, and your rights, are set out in the privacy notices of our third-party providers, available on request. If false or misleading information is provided via the Laddr platform, the Landlord or Letting Agent may withhold all or part of any holding fee. This decision is at their discretion, and Laddr is not responsible for the outcome.

13. You understand that Laddr may contact Your referees using Personal Data which has been provided by You in the Application for the purposes of allowing Your referees to verify and/or provide information about Your earnings and income, Your profile, Your dates of employment and previous tenancies. You also confirm that You have their permission for us to contact them in order for us to obtain Your references.

14. Information may be sent to You or Your nominated referee(s) by email and SMS. This information will only be such as is necessary to identify You and You confirm You are aware that the information sent electronically cannot be guaranteed to be secure.

15. You acknowledge that Laddr cannot absolutely guarantee the security of any electronic communications relating to your application but we do use appropriate measures to maintain the security of your data both in transit and at rest.

16. You confirm that you are aware that any tenancy granted to You as a result of Your Application will be subject to the provisions of the Housing ‘Act 1988. Any resulting tenancy will be subject to the grounds for possession of dwelling house let on assured tenancies contained in Schedule 2 to the Housing Act 1988, in particular ground 17.

17. As a result of the information You provide to Laddr and that Laddr obtains from third parties in connection with Your Application, You understand that Laddr may pass on all such information to the Landlord and/or Letting Agent.

18. You accept that the results of such checks and searches that have been carried out by or for Laddr in connection to Your Application may be accessed in the future by Laddr if You complete an application through Laddr again. Please let us know if you would like us to remove your previous Application from our records.

3. DOCUMENTS ESTABLISHING YOUR RIGHT TO RENT

1. In order to rent a property in the United Kingdom, You are required to provide documentation confirming Your Right to Rent. As part of the Application Process, You will be asked to indicate which documents You intend to use to meet these requirements. An online Right to Rent check will be conducted where applicable. Original documents may also need to be verified in person by the Landlord or Letting Agent.

2. You confirm that You are aware that You may be required to supply original copies of the documents demonstrating Your Right to Rent as requested by Landlord or Letting Agent. This does not form part of the Application Process. Laddr can provide no guarantee that such documentation will be accepted by the Landlord or Letting Agent.

4. RESULT OF YOUR APPLICATION

1. The decision as to whether or not to accept Your Application rests with the Landlord or Letting Agent.

2. Laddr accepts no liability for any loss suffered by You in the event Your Application is successful or not.

5. LADDR ID SHARING

1. As part of the Services, Laddr allows You as a Prospective Tenant to share your Laddr ID with Letting Agents, Landlords, or other relevant third parties of your choosing.

2. You are solely responsible for deciding with whom you share your Laddr ID and for verifying the identity and legitimacy of the recipients.

3. By choosing to share your Laddr ID, You consent to the sharing of the data linked to it.

4. Laddr is not responsible for the use, misuse, or security of your data once it has been shared with or accessed by a third party at your direction.

5. When You share a Laddr profile, we store the recipient’s contact details to facilitate the share and to offer relevant services. Recipients may object at any time (see Privacy Policy).

6. STATUS OF THE LANDLORDS OR LETTING AGENT

1. You accept that Laddr cannot guarantee the accreditation status of the Landlord nor can Laddr guarantee that the Landlord or the Letting Agent acting on the Landlord’s behalf holds any licences or certification as may be required by law including but not limited to a HMO Licence.

2. Notwithstanding any advice or information provided during the referencing process or otherwise, the Landlord remains responsible for carrying out all identity, visa, and other checks required under Right to Rent legislation.

7. REQUIREMENTS OF LANDLORDS, LETTING AGENTS OR PARTNERS 

1. The Landlord, Letting Agent or Partner hereby agrees and undertakes that it shall:

1. Implement and maintain up-to-date, industry-standard antivirus software on all systems used to access or process data related to or received from Laddr, including personal data (Laddr Data);

2. Ensure multi-factor authentication (MFA) is enabled and enforced for all user accounts accessing Laddr Data;

3. Store all Laddr Data in environments that are both password-protected and encrypted, in accordance with prevailing data protection standards;

4. Refrain from storing any Laddr Data on mobile devices or external storage devices unless such devices are encrypted and subject to appropriate access controls;

5. Process any personal data received from Laddr solely for the agreed purpose, which shall be limited to assessing the suitability of a tenant or applicant in connection with a prospective tenancy or let;

6. At its own cost and for the duration of its engagement with Laddr, maintain in full force and effect appropriate professional indemnity insurance with a reputable insurer, providing coverage to a level commensurate with the nature and extent of the services provided and the potential risks arising therefrom;

7. Ensure that any third-party service providers, subcontractors, or affiliates with access to Laddr Data are bound by data security and confidentiality obligations no less stringent than those set out in this Agreement; and

8. Comply in full with all applicable data protection and privacy legislation, including but not limited to the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and any equivalent legislation in the relevant jurisdiction.

2. Breach of any of the foregoing obligations shall constitute a material breach of this Agreement and may, at Laddr’s sole discretion, result in immediate termination of the Partner’s access to the Services and/or termination of the partnership. In such event, the Partner shall promptly and permanently delete all Laddr Data in its possession or control and provide written certification of such deletion upon request.

8. SUBMITTING YOUR APPLICATION

1. By proceeding with Your application You confirm that You have read and agree to these terms and conditions.

9. TERMINATION

1. You may withdraw Your Application at any time until the prospective tenancy is entered into.

2. Laddr may terminate this contract with You where You are in breach of any of its terms or where You have failed to perform Your obligations.

10. ACCESSING THE LADDR HUB

1. In order to be able to access the Laddr Hub, You may need to use Your Login Information. You must not disclose Your Login Information to any person not authorised to use the Laddr Hub on Your behalf.

2. You must not access or use the Laddr Hub for any purpose that is prohibited by these Terms or is otherwise unlawful.

3. You must maintain Your own firewalls and anti-virus software when accessing the Laddr Hub so as not to expose You to the risk of a virus or malicious software. We do not accept responsibility for any damage to Your PC or computer system which arises in connection with Your use of the Laddr Hub.

4. We reserve the right to immediately terminate Your access to the Laddr Hub if You are in breach these Terms.

11. USER OBLIGATIONS

1. Users must not:

1. use the Website to distribute any illegal, obscene or otherwise harmful material;

2. disparage Laddr or its directors or employees or otherwise act in a way which is reasonably likely to cause harm to us;

3. do anything to interfere with other Users’ access to the Website;

4. impersonate others or create false accounts or adverts on the Website;

5. use software or any other means to harvest information from the Website;

6. mispresent the identifying features of their rental payments in order to deceive the rental payment verification process;

7. send spam or other forms of unsolicited information to other Users; 

8. attempt to de-compile, reverse compile, disassemble or reverse engineer all or any part of our systems; or

9. use the Services as part of any effort to compete with us or otherwise use the Services and/or the Website content for any commercial enterprise.

2. Any information which you provide on the Website shall be accurate and reliable to the best of your knowledge (this includes but is not limited to personal information, contact details and information related to paying rent).

3. You agree that Laddr may contact You by telephone or email using the contact detail(s) You have provided, where such contact is necessary for the performance of our Services.

4. If you provide any information that is untrue, inaccurate, not current, or incomplete, we shall be entitled to suspend or terminate your use of the Services without notice.

5. You must keep your password secure and will be responsible for any actions of any person logging into the Website using your username and password.

12. USER CONTRIBUTIONS

6. When using the Services you may be invited to contribute to, or participate in online feedback forms or reviews (together, Contributions).  When you provide Contributions, you agree that:

1. your Contributions shall not infringe the intellectual property rights of any third party;

2. you are the creator and owner of or have the necessary permissions to use and to authorise us and other Users to use your Contributions in any manner contemplated by these Terms;

3. your Contributions shall not be false, inaccurate, or misleading;

4. your Contributions shall not include unsolicited or unauthorised advertising, promotional materials, spam, mass mailings, or other forms of solicitation;

5. your Contributions shall not be obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable in our reasonable opinion and shall not include any offensive comments connected to race, ethnicity, gender, sexual preference, or physical handicap;

6. your Contributions shall not ridicule, mock, disparage, intimidate, or abuse any other person;

7. your Contributions shall not be used to harass or threaten any other person; and

8. your Contributions do not otherwise breach, or link to material that breaches, any provision of these Terms.

13. LIABILITY AND EXCLUSION OF LIABILITY

7. We accept no responsibility for the accuracy of the information provided in an Application and any liability for inaccurate, false or fraudulent information rests with the provider of that information, whether that be the Prospective Tenant, Guarantor, Referee or a third party provider of information. Laddr does not warrant or guarantee the outcome of any tenancy application or decision made by a Landlord or Letting Agent. The Services provided are informational and do not constitute any advice, approval, or recommendation (including but not limited to legal, financial or tax advice). Laddr disclaims any duty of care and liability for any decisions made by third parties based on information obtained through the platform and you may not rely on any information or content provided by Laddr.

8. You acknowledge and accept that there are various third party service providers behind the Laddr technology and by signing up you accept that there might be certain terms and conditions applicable to Laddr users arising from the terms of use of such third party service providers, including but not limited to Trans Union, Konfir, VerifyPDFand Yoti

9. The Laddr Hub and Services are provided on an “as is” and “as available” basis. We do not warrant that the technical or functional aspects of the Services will be error-free, uninterrupted, or secure. We make no guarantee that the Laddr Hub or Website will operate continuously or be free of defects, or that transmission of data to and from the Service will occur without delay, error, or interruption. While we take reasonable precautions to protect our systems, we do not warrant that the servers or systems used to provide the Services will be free from viruses, malware, or other harmful components. Any guidance, commentary, or content published on our platform, social media accounts, or blogs is for general informational purposes only and does not constitute legal or professional advice.

10. Notwithstanding any other provisions of these Terms and Conditions and to the extent legally permissible, Our liability arising from Your use of our Services will not exceed £1000.

11. We will not be liable to You in contract, tort, negligence, breach of statutory duty or otherwise for any loss, damage, costs or expenses of any nature whatsoever incurred or suffered by You:

1. of an indirect or consequential nature; nor 

2. for any economic loss or other loss of turnover, profits, business or goodwill.

12. Without prejudice to the generality of the foregoing, We will not be liable for the following losses or liability from the same which You may suffer or be held liable for caused by Your reliance or use of the Services (or by not relying on or not using the Services, or by Your using or relying on them in an unreasonable way): 

1. missing a deadline;

2. You (or someone on Your behalf) suffering loss by reason of inaccuracy or incompleteness of any information or data provided to You;

3. You suffering a business loss or being unable to undertake any business activity; 

4. a third party making a claim against You; or

5. a government or regulatory authority imposing a fine, penalty or obligation on You.

13. Without prejudice to the above, whether you are a consumer or a business user:

1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

14. If you are a business user:

1. We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

2. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

1. use of, or inability to use, our site; or

2. use of or reliance on any content displayed on our site.

3. In particular, we will not be liable for:

1. loss of profits, sales, business, or revenue;

2. business interruption;

3. loss of anticipated savings;

4. loss of business opportunity, goodwill or reputation; or

5. any indirect or consequential loss or damage.

15. If you are a consumer user:

1. We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

2. If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

14. CONSUMER RIGHTS ACT 2015

1. Nothing within these terms and conditions is intended to limit the rights of a Consumer within the meaning of the Consumer Rights Act 2015. 

2. We intend to rely on these Terms as being the terms and conditions of the contract between You and Us. Any changes to the terms and conditions that You wish to make should be put in writing but no changes will be made to these terms and conditions without Our written agreement.

3. We may change these Terms from time to time.  You shall be deemed to have accepted any changes to these Terms by your continued use of the Website.

15. INDEMNITY

1. You agree to indemnify, defend and hold Us (including Our shareholders, officers, directors, employees, agents and suppliers) harmless from any and all claims or demands including those made by any third party due to or arising out of Your use of the Laddr Hub and Our Services or any person using Your Login Information with or without Your consent.

16. COPYRIGHT AND TRADE MARKS

1. Copyright in the Laddr Hub (including all databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (together, the Content), as well as the trademarks, service marks, and logos on the Website (together, the Marks) is owned by Laddr. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

2. Information procured from a third party may be the subject of copyright owned by that third party. 

3. Except as expressly authorised by Us in writing You may not adapt, reproduce, store, distribute, print, display, perform, publish or create and derivative works from any part of the Content or Marks, or from any information obtained from the Laddr Hub; or commercialise any information, products or services obtained from the same. 

4. The Content and Marks are provided for your personal, non-commercial use or internal business purpose only.  You obtain no other rights to the Content or Marks as a User of the Services. You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Website or any services provided via, or in relation to, the Website. This includes using (or permitting, authorising or attempting the use of): i) Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the Website or any data, content, information or services accessed via the same. ii) Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

17. WEBSITE SUPPLY AND CONTRACT TERMS

1. A binding agreement is formed when You submit an order for Services on our Website and we confirm receipt or provide access to those Services. 

2. All Services are delivered digitally through the Laddr Hub and no physical goods are supplied. 

3. You may cancel your order within 14 days of entering into the contract. However, by choosing to access the Services immediately, You acknowledge and agree that You waive your right to cancel under the Consumer Contracts Regulations 2013 once access has been granted.

18. BILLING AND RENEWAL

1. Your subscription will continue and automatically renew unless cancelled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle will depend on the type of subscription plan you choose when you subscribed to the Services.

19. CANCELLATION

1. You can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at admin@laddrhub.com.

20. CONFIDENTIALITY

1. Unless We agree otherwise in writing, You are provided with access to the Laddr Hub for Your use only and You may not without our written permission sell information obtained from the Laddr Hub to any third party.

21. SECURITY

1. No data transmission over the Internet can ever be guaranteed as wholly secure and whilst We endeavour to protect all such information, We do not guarantee or warrant and cannot ensure the security of any information which You transmit to us and any information which You do transmit to us which is always at Your own risk.

2. You must notify Laddr immediately if you become aware of any actual or suspected unauthorised access to the Laddr Hub, data breach, or other security incident affecting your account or data.

22. SEVERABILITY

1. If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall remain in full force and effect.

23. FORCE MAJEURE

1. Laddr shall not be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay is caused by an event or circumstance beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemic, epidemic, war, terrorism, civil unrest, labour disputes, power outages, or failure of suppliers, telecommunications, or internet services.

24. LAW AND JURISDICTION

1. These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them shall be governed by and construed in accordance with the law of England and Wales. 

25. THIRD PARTIES

1. For the purposes of the Contracts (Rights of Third Parties) Act 1999 this contract is not intended to, and does not give any person who is not a party to it the right to enforce any of its provisions.

26. TRANSFER OF RIGHTS AND OBLIGATIONS

1. We may at any time without your consent assign, subcontract, delegate, or deal in any other manner with any or all of our rights and obligations under these Terms.

27. COMMISSIONS

1. Landlord/Agents and We (Laddr) may from time to time receive a referral payment in relation to additional products or services promoted to you, including but limited to: utility and broadband providers, insurance and deposit replacement, which You may subsequently purchase. You are under no obligation to purchase any of these products or services.

2. Laddr Ltd is an Introducer Appointed Representative (IAR) of Alan Boswell Insurance Brokers Ltd (ABIB), which is authorised and regulated by the Financial Conduct Authority (FCA). This means we may introduce you to ABIB’s products or services. ABIB is responsible for all regulated insurance activities.

3. Inclusion of, linking to, or permitting the use or installation of any Third-Party Sites or any Third-Party Content does not imply our approval or endorsement. If you decide to leave the Website and access the Third-Party Sites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware that these Terms shall no longer apply. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate or relating to any applications you use or install. 

4. Any purchases you make through Third-Party Sites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party.  We do not endorse any products or services offered on Third-Party Sites and accept no responsibility for any harm caused by your purchase of such products or services. 

5. If You have any questions or comments about these terms and conditions, or you wish to make a complaint, please contact us:

1. by post to: Laddr Ltd, 3rd Floor 86-90 Paul Street, London EC2A 4NE

2. by email at: admin@laddrhub.com 

GUARANTOR

28. USE OF INFORMATION PROVIDED BY YOU

1. Laddr is a Data Controller as defined by Data Protection Legislation.

2. To verify Your Guarantor Application, Laddr will need to share personal data with the third parties listed below and the Landlord /Letting Agent. Where it is necessary to do so we will comply with all aspects of GDPR and the Data Protection Legislation.

3. Our Privacy Policy is available at https://laddrhub.com/privacy-policy/  and is incorporated in these terms and conditions.

4. Should it be necessary for Laddr to transfer Personal Data overseas, any such transfers will be made in full compliance with Data Protection Legislation.

5. In order to complete Your application, we will consult with a number of sources to verify the information that You provide. The parties with whom it may be necessary for Laddr to share information relating to Your application may include but are not limited to:

1. Your family, associates and representatives including housemates and neighbours;

2. Your or our professional advisors and consultants;

3. financial organisations;

4. credit reference agencies;

5. fraud prevention agencies;

6. debt collection and tracing agencies;

7. employment and recruitment agencies;

8. central government.

6. You understand that Laddr may approach third parties including those listed above and will use a legal basis which would include but not be limited to “performance of a contract” for this.

7. You understand that Laddr may consult with a licensed credit reference agency regarding Your Guarantor Application. You understand that Laddr may share such Personal Data with the credit reference agency as is necessary to carry out a search.

8. You accept that a credit reference agency may record the results of any search conducted in relation to Your Application.

9. You accept that the credit reference agency search may show how You conduct payments with other entities. You accept that from time to time this information may also be used for debt tracing and fraud prevention.

10. The personal information we have collected from you may be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by emailing us at admin@laddrhub.com.

11. You understand that Laddr may contact Your referees using Personal Data which has been provided by You in the Application for the purposes of allowing Your referees to verify and/or provide information about Your earnings and income, dates of employment and previous tenancies. You also confirm that You have their permission for us to contact them in order for us to obtain Your references.

12. Information may be sent to You or Your nominated referee(s) by email and SMS. This information will only be such as is necessary to identify You and You confirm You are aware that the information sent electronically cannot be guaranteed to be secure.

13. As a result of the information You provide to Laddr and that Laddr obtains from third parties in connection with Your Guarantor Application, You understand that Laddr may pass on all such information to the Landlord and/or Letting Agent.

14. You accept that the results of such checks and searches that have been carried out by or for Laddr in connection to Your Guarantor Application may be accessed in the future by Laddr if the Prospective Tenant applies for a tenancy again through Laddr.

15. The decision as to whether or not to accept Your Guarantor Application rests with the Landlord or Letting Agent.

16. Laddr accepts no liability for any loss suffered by You in the event Your Guarantor Application is successful or not.

17. You accept that Laddr cannot guarantee the accreditation status of the Landlord nor can Laddr guarantee that the Landlord or the Letting Agent acting on the Landlord’s behalf holds any licences or certification as may be required by law including but not limited to a HMO Licence.

18. By ticking the box below You confirm that You have read and agree to these terms and conditions.

19. You may withdraw Your Guarantor Application at any time until the prospective tenancy is entered into.

20. In order to be able to access the Laddr Hub, You may need to use Your Login Information. You must not disclose Your Login Information to any person outside Your Agency and not authorised to use the Laddr Hub on Your behalf or otherwise allow any person to access the Laddr Hub using Your Login Information.

21. You must not access or use the Laddr Hub for any purpose that is prohibited by these Terms or is otherwise unlawful.

22. You must maintain Your own firewalls and anti-virus software when accessing the Laddr Hub so as not to expose You to the risk of a virus or malicious software. We do not accept responsibility for any damage to Your PC or computer system which arises in connection with Your use of the Laddr Hub.

23. We reserve the right to immediately terminate Your access to the Laddr Hub if You are in breach these Terms.

24. We accept no responsibility for the accuracy of the information provided in an Application and any liability for inaccurate, false or fraudulent information rests with the provider of that information, whether that be the Prospective Tenant, Guarantor, Referee or a third party provider of information.

25. We will not be liable to You in contract, tort, negligence, breach of statutory duty or otherwise for any loss, damage, costs or expenses of any nature whatsoever incurred or suffered by You

26. Our credit reference agency search the available data sources and provide the most up to date accurate data currently available, in very rare circumstances it is possible that an individual’s adverse credit data cannot be traced. In such circumstances Laddr shall not be held liable to You in contract, tort, negligence, breach of statutory duty or otherwise for any loss, damage, costs or expenses of any nature whatsoever incurred or suffered by You: a. of an indirect or consequential nature; nor b. for any economic loss or other loss of turnover, profits, business or goodwill.

27. Nothing within these terms and conditions is intended to limit the rights of a Consumer within the meaning of the Consumer Rights Act 2015.

28. We intend to rely on these Terms as being the terms and conditions governing the relationship between You and Us. Any changes to the terms and conditions that You wish to make should be put in writing but no changes will be made to these terms and conditions without Our written agreement.

29. We reserve the right to change these terms and conditions at any time and any changes will be posted on our Website. Your continued use of our Website after such notification shall constitute Your acceptance of those terms.

30. You agree to indemnify, defend and hold Us (including Our shareholders, officers, directors, employees, agents and suppliers) harmless from any and all claims or demands including those made by any third party due to or arising out of Your use of the Laddr Hub and Our Services or any person using Your Login Information with or without Your consent.

31. Copyright in the Laddr Hub (including all databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (together, the Content), as well as the trademarks, service marks, and logos on the Website (together, the Marks) is owned by Laddr. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Information procured from a third party may be the subject of copyright owned by that third party. Except as expressly authorised by Us in writing You may not adapt, reproduce, store, distribute, print, display, perform, publish or create and derivative works from any part of the Content or Marks, or from any information obtained from the Laddr Hub; or commercialise any information, products or services obtained from the same. 

32. The Content and Marks are provided for your personal, non-commercial use or internal business purpose only.  You obtain no other rights to the Content or Marks as a User of the Services. You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Website or any services provided via, or in relation to, the Website. This includes using (or permitting, authorising or attempting the use of): i) Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the Website or any data, content, information or services accessed via the same. ii) Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

33. Unless We agree otherwise in writing, You are provided with access to the Laddr Hub for Your use only and You may not without our written permission sell information obtained from the Laddr Hub to any third party.

34. No data transmission over the Internet can ever be guaranteed as wholly secure and whilst We endeavour to protect all such information, We do not guarantee or warrant and cannot ensure the security of any information which You transmit to us and any information which You do transmit to us which is always at Your own risk.

35. The validity, construction and performance of this contract shall be governed by English law and be subject to the exclusive jurisdiction of the English courts to which Laddr and You submit.

36. These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them shall be governed by and construed in accordance with the law of England and Wales. 

DEFINITIONS 

1. “Application” means the process initiated by a Prospective Tenant or Guarantor through the Laddr platform for the purposes of tenant referencing. 

2.  “Content” means all text, images, software, data, and other material provided through the Website, Laddr Hub, or Dashboard. 

3. “Guarantor” means a person who agrees to guarantee the obligations of a tenant under a rental agreement. 

4. “Landlord” means the owner or legal representative of a property available for rent. 

5. “Laddr”, “We”, “Us” or “Our” refers to Laddr Ltd, a company incorporated and registered in England and Wales with company number 15949152 and registered office at 86-90 Paul Street, London, EC2A 4NE. 

6.  “Laddr Data” means any personal data, confidential information or content received or accessed via Laddr’s systems.

7. “Laddr Hub” means the proprietary web-based platform provided by Laddr for use by Users, Landlords, Letting Agents, Partners, and Guarantors, and all associated products, services and communications.

8. “Letting Agent” means a person or business that acts on behalf of a Landlord to manage, market or let rental property. 

9. “Partner” means any third party with whom Laddr collaborates to deliver part or all of the Services. 

10. “Personal Data” has the meaning given under the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR). 

11. “Prospective Tenant” means an individual who applies through Laddr to be considered for a tenancy. 

12. “Services” means the services provided by Laddr as described in these Terms. 

13. “Terms” means these terms and conditions and any policies or documents referred to herein. 

14. “User”, “You” or “Your” refers to any individual or entity using the Website, Laddr Hub, Dashboard, or Services, including but not limited to Tenants, Guarantors, Letting Agents and Partners. 

15. “Website” means the publicly accessible website operated by Laddr including any subdomains or related online services.