PRIVACY POLICY

JWBA Enterprises, Inc. d/b/a Money Ladder (“Money Ladder”) is committed to protecting the privacy of your personal information. This Privacy Policy outlines how Money Ladder collects, uses and protects such information.

1. Web Site Covered

This Privacy Policy covers the information practices of www.money-ladder-loans.com. When www.money-ladder-loans.com is posted by Money Ladder, this Privacy Policy applies. When sites are posted by third parties, the Privacy Policy of the third party applies, and this Privacy Policy does not apply.

www.money-ladder-loans.com may contain links to other Web sites. This Privacy Policy applies only to information collected on www.money-ladder-loans.com and does not govern the information practices or the content of such other Web sites. Money Ladder encourages you to review the Privacy Policies of other Web sites to understand their information practices.

2. Collection and Use of Personal Information

Money Ladder will collect your personal information if you decide to check your rate or to apply for one of our loan products. You will be asked to provide contact information, such as name, address, phone number, email address and similar information. We will also ask for financial information such as bank account information and income information. We may use your contact information to send you information while we process your loan application. We may also use your contact information to provide you with information about other Money Ladder products and services.

Providing your personal information is entirely optional.

Money Ladder does not disclose any personally identifiable information about consumers to anyone, except as permitted or required by law. For example, personally identifiable information about a user may be used or shared to comply with any law, regulation, audit or court order. In the event that our business or substantially all of the assets of the business are acquired, personally identifiable information may be one of the transferred assets.

Mobile Information

No mobile information (including phone numbers and text messaging opt-in data) will be shared with third parties or affiliates for marketing or promotional purposes.

Mobile information may be shared with subcontractors and service providers solely for the purpose of providing support services (such as customer service).

All other use cases, including text messaging opt-in data, will not be shared.

3. Web Site Navigational Information

Money Ladder uses commonly used information-gathering tools, such as cookies, to collect information as users navigate www.money-ladder-loans.com (“Web Site Navigational Information”). This section describes the types of Web Site Navigational Information Money Ladder may collect and how Money Ladder may use this information.

Cookies

Money Ladder uses cookies to make interactions with the Web site easy and meaningful. When a user visits the Web site, Money Ladder’s servers send a cookie to the user’s computer. Standing alone, cookies do not personally identify you. They merely recognize your web browser. Unless you choose to identify yourself to Money Ladder, either by responding to a promotional offer, opening an account, or filling out a web form (such as a “Contact Me” web form), you remain anonymous to Money Ladder.

There are two types of cookies: session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer.

If you have chosen to identify yourself to Money Ladder, Money Ladder uses session cookies containing encrypted information to allow Money Ladder to uniquely identify you. Each time you log into the Web site, a session cookie containing an encrypted, unique identifier that is tied to your account is placed in your browser. These session cookies allow Money Ladder to uniquely identify you when you are logged into the Web site and to process your online transactions and requests. Session cookies are required to use the Web site.

Money Ladder uses persistent cookies that only Money Ladder can read and use to identify browsers that have previously visited Money Ladder’s Web site. When you access the Web site or provide Money Ladder with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that Money Ladder places on your web browser. Money Ladder is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, Money Ladder does not store account numbers or passwords in persistent cookies. If you disable your web browser’s ability to accept cookies, you will be able to navigate Money Ladder’s Web site, but you will not be able to successfully use the Web site.

Web Beacons

Money Ladder uses web beacons alone or in conjunction with cookies to compile information about users’ usage of the Web site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the web beacon, and a description of a Web site tied to the web beacon. For example, Money Ladder may place web beacons in marketing e-mails that notify Money Ladder when you click on a link in the e-mail that directs you to one of Money Ladder’s Web sites. Money Ladder uses web beacons to operate and improve the Company's Web sites and e-mail communications. Money Ladder may use information from web beacons in combination with data about users to provide you with information about Money Ladder.

IP Addresses

When you visit the Web site, Money Ladder collects your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Money Ladder uses IP addresses to monitor the regions from which users navigate the Web site.

Third-Party Cookies

From time-to-time, Money Ladder engages third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who visit the Web site. Money Ladder may also use other third-party cookies to track the performance of Money Ladder advertisements. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after Money Ladder receives it. This Privacy Policy does not cover the use of third-party cookies.

4. Sharing of Information Collected

Money Ladder may share data about Money Ladder customers with Money Ladder’s agents to ensure the quality of information provided. Mobile information, including text messaging opt-in data, will not be shared with third parties or affiliates for marketing or promotional purposes. Sharing may occur with subcontractors and service providers only to the extent necessary to provide support services.

Money Ladder does not share, sell, rent or trade personally identifiable information with third parties for their promotional purposes.

Money Ladder reserves the right to disclose personally identifiable information provided by users if required by law or if Money Ladder reasonably believes that disclosure is necessary to protect Money Ladder’s rights and/or to comply with a judicial proceeding, court order or legal process.

5. Do Not Track

Money Ladder does not process or respond to “do not track” signals or other similar mechanisms.

6. Security

Money Ladder is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse and modification of this information after we receive it. For example, Money Ladder restricts access to the information to our employees, agents and contractors who need to know such information to provide products or services to you.

7. Personal Information on Children

Money Ladder products are intended for use by individuals who are at least 18 years old. If you are under the age of 18, you should not be visiting www.money-ladder-loans.com. We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using www.money-ladder-loans.com, you are advised not to disclose or provide any personally identifiable information on www.money-ladder-loans.com.

8. If You Access From Outside the United States

If you reside outside the United States, you understand and agree that any information you provide to Money Ladder will be transferred from the country of your residence or location at the time it was provided to the United States. If you do not want your personally identifiable information to be transferred to the United States, do not provide that information to us. By providing us with your information, you consent to the transfer of your information to the United States.

9. Changes to this Privacy Policy

Money Ladder reserves the right to change this Privacy Policy at any time. You will not be given any notice to these modifications. Your continued use of the Web site after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.

10. Contacting Us

Questions regarding this Privacy Policy or the information practices of www.money-ladder-loans.com should be directed to Money Ladder at 1-888-585-8492