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When you use our Site, you trust us with your information.This privacy policy is meant to help you understand what data we collect, why we collect it, and what we do with it.

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If you do not wish to have this information used for the purpose of serving you interest-based ads, you may opt-out of certain advertising networks by clicking Although we do our best to honor the privacy preferences of our users, because we believe that there is a consistent industry standard for how to respond to Do Not Track browser settings, we are not able to process or respond to such signals from your browser at this time.

We use the information we collect to provide, maintain, protect and improve our Site, products and services; to develop new products and services; to better our marketing efforts; and to protect us and our users.

Further, if you are a Ladder Life™ policyholder, we collect information about your payment history.

We and our marketing partners and service providers use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer our Site, track users’ movements around our Site, and gather demographic information about our user base as a whole.

We may collect and store information (including personal information) locally on your device using mechanisms such as browser web storage (including HTML5).

Various browsers may offer their own management tools for removing browser web storage.

We also partner with third parties to manage our advertising on other websites and evaluate the overall performance of our Site.

Our third party partners may use technologies such as cookies to gather information about your activities on our Site and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall Site performance.

This may include processing your application for life insurance; servicing your Ladder Life™ policy; enabling automatic payments and funds transfers with financial institutions; communicating with you concerning your Ladder account and transactions; and addressing any disputes you may raise concerning your Ladder account or the products and services offered through our Site.

We may also use your personal information to select you for certain marketing offers, newsletters, surveys and/or requests for feedback regarding your experience.

You agree that by using our Site, services and products, you are granting us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution.

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