Privacy Policy

LadderUp Housing Inc. (“LadderUp Housing,” “we,” or “us”) is an affordable-housing company. We operate rental housing and run resident and coaching programs that help renters move toward homeownership. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have.

This policy covers the personal information we handle across our website (ladderuphousing.com); our resident and program-participant portals, including the CLIMB coaching platform; the internal software our staff use to run the company, including its connections to the service providers listed below; and our housing and resident services.

Our internal back-office tools are used only by LadderUp Housing staff; they have no third-party or public users. Apart from the portals we provide to our own residents and program participants, we do not offer software to the public.

• Contact information you give us — such as your name, email address, phone number, and mailing address — when you reach out to us, complete an interest or intake form, or apply for housing or one of our programs.
• Applicant, resident, and program information we collect in the course of providing housing and resident services — such as application details, household information, lease records, and records of participation in our resident and coaching programs.
• Payment and transaction records related to rent, subsidies, and other payments, which we keep for accounting purposes.
• Financial-readiness information that CLIMB participants choose to share — such as credit report information; balances, transactions, and deposit information from bank accounts you connect; budgets and savings goals; documents you upload; and notes from your coaching sessions. We retrieve credit and bank information only after you authorize it in the portal.
• Portal account information, such as the email address you use to sign in.
• Basic website usage information — such as the pages you visit and the type of device and browser you use, collected through standard web logs and, on this website, through cookies and similar technologies — which helps us understand how visitors use our site.

We use the information we collect to:

• Provide housing, resident services, and coaching programs
• Manage our properties and review applications
• Process and account for payments, and keep accurate financial records
• Communicate with residents, applicants, and program participants
• Meet our legal and regulatory obligations as a housing provider
• Keep our website, portals, and systems secure
• Understand how visitors use our website so we can improve it

We do not sell personal information, and we do not share personal information for advertising purposes.

We do not share mobile phone numbers, or anyone’s consent to receive text messages, with third parties for their own marketing.

We share personal information only in the ways described below.

Service providers. We share information with service providers that process it on our behalf, and only as needed to run our operations. They are bound by their own contractual and legal obligations to protect the information they process. They include:

• Intuit QuickBooks Online — accounting and payment records
• Buildium — property management, leases, and rent records
• Amazon Web Services (AWS) — cloud hosting for this website and our portals, portal sign-in, document storage, and email delivery
• Array — credit reports for CLIMB participants who authorize them, drawn from the major credit bureaus (Experian, Equifax, and TransUnion)
• Plaid — connecting the bank accounts CLIMB participants choose to link, and retrieving their balances, transactions, and deposit information
• Google Analytics — website usage statistics
• A scheduling service — booking coaching sessions
• Our forms and work-management tool — the interest and intake forms linked from this website, and internal work management
• Our business phone and text provider — calls and text messages with our team
• Our email and web-font providers — business email, and the fonts this website loads

When you connect a bank account or enroll for credit reports in the CLIMB portal, you enter some details — such as your bank sign-in credentials or identity-verification information — directly with that provider, and its own privacy policy also applies. We never see or store your bank sign-in credentials.

As required by law. We may disclose information when the law requires it — for example, in response to a valid legal request — including to government agencies, housing regulators, and subsidy programs we participate in.

With your permission. We share information with others — for example, a lender, housing counselor, or referring partner organization you are working with — when you ask us to or agree to it.

Your information is stored with reputable cloud providers using industry-standard safeguards, including encryption, access controls, managed credential storage, and access limited to staff who need the information to do their work.

We keep personal information only as long as we need it to provide our services and to meet the legal, regulatory, accounting, and audit requirements that apply to housing providers.

You can contact us at any time to ask what information we have about you, request a correction, or request deletion where the law allows. Email us at info@ladderuphousing.com and we will respond promptly. Some records must be retained for legal or accounting reasons; if that applies to your request, we will let you know.

CLIMB participants can also withdraw their authorization for us to access credit or bank information at any time by contacting their coach.

Our website and portals are not directed to children under 13, and we do not knowingly collect personal information from children under 13 online. Household information we collect in the course of providing housing is handled under the housing-program rules that apply to it.

If we make changes to this Privacy Policy, we will post the updated version on this page and update the effective date shown above.

LadderUp Housing Inc.
3550 Executive Pkwy, Suite 7235
Toledo, OH 43606
info@ladderuphousing.com