Privacy Policy

Havlo Ltd, trading as LadderOne, is responsible for the personal information described in this policy. You can contact us about it at any time at hello@ladderOne.com.

We only collect what you choose to send us:

• Contact form: your name, email address and message.
• Waitlist: your email address and the country where you would like LadderOne to launch.
• Newsletter: your email address.
• Technical data our hosting provider records to keep the site secure and working, such as your IP address and browser type.

This website does not use advertising or analytics cookies.

• Your email address and a securely hashed password.
• Your name and the answers you give in the questionnaire, for example income, savings, debts, the area you want to buy in and the type of property.
• Your plan, the tasks you complete and your progress.
• Whether you share your snapshot with a mortgage adviser, your membership status and your payment history.
• If you allow notifications, a device token so we can send you notifications such as payment confirmations. You can turn them off in your phone’s settings.

Card details are handled by our payment provider, SumUp, and never reach us. If your membership renews automatically, SumUp keeps your card and gives us a reference we use to charge it.

• To reply to your messages.
• To tell you when LadderOne launches in the country you chose on the waitlist.
• To send you our newsletter, if you subscribed. Every newsletter lets you unsubscribe.
• In the app: to create your account and keep it secure, calculate your readiness score and plan, track your progress, show your leaderboard position, send verification and password-reset codes, and provide your membership.

• A mortgage adviser, only if you choose “Confirm & Share” in the app. You can stop sharing at any time.
• Service providers that run LadderOne for us: our hosting and database provider, our email provider and SumUp for payments.

We do not sell your data.

Other members see your first name and last initial with your plan completion. You can ask to be removed from the leaderboard at any time.

• Messages: for as long as we need to deal with your enquiry.
• Waitlist: until we launch in your country, or until you ask us to remove you.
• Newsletter: until you unsubscribe.
• App data: for as long as you have an account. Deleting your account from Account → Your Data deletes your profile, answers, plan and sharing consent, and cancels any membership.

You can ask to see, correct or delete the information we hold about you, object to how we use it, or ask us to stop sending you emails. In the app you can see and delete your data yourself under Account → Your Data. To use any of these rights, email hello@ladderOne.com.

If you are unhappy with how we handle your information, you can complain to the Information Commissioner’s Office (ico.org.uk).

Passwords and one-time codes are stored hashed, app sessions use short-lived tokens, and data travels over encrypted connections.

If we change this policy we will update this page and the date below. If a change matters, we will also tell you in the app.