Site Privacy Notices and Disclosure Statements
The protection of our clients’ privacy and the safekeeping of confidential information is of the utmost concern to Ladderside.
It is Ladderside’s intent to comply with all applicable laws and regulations concerning the treatment of personal information, and educate our team and consumers as to their privacy rights under the law. Furthermore, we will maintain strong security controls to ensure that consumer information in our files and computers is protected.
Ladderside collects non-public personal information about you from the following sources:
- Information obtained when verifying the information you provide on an application or another form, such as from your current or past employer(s).
Information shared With Affiliates & Third Parties
Ladderside will not sell non-public personal information on its clients to any third party. We will only release information under the following guidelines:
- Client request
- When required by court order or subpoena
- When permitted or required by Federal, State, County or Municipal law and regulations
- If contracting with third-party service providers and joint marketers to promote or provide services to our clients
- To a processor and/or servicer in order to effect, administer, or enforce a transaction
- To protect Ladderside’s interests
Security & Confidentiality
As part of our commitment to protecting the confidentiality of client account information, Ladderside will establish procedures for periodically training staff on the importance of client privacy and our privacy policy. Staff will only be permitted to access client and/or consumer account information when necessary for business reasons. Finally, Ladderside will establish and maintain appropriate physical, electronic, and procedural security standards to protect against unauthorized access to clients and/or consumers non-public personal information.
Reservations of Rights
Ladderside reserves the right to disclose client and/or consumer non-public personal information to non-affiliated third parties and to change this policy at any time.
Opt-Out
A client and/or consumer has the right to Opt-Out of the disclosure of non-public personal information by Ladderside to non-affiliated third parties that are not exempted under the law. We reserve the right to disclose client and/or consumer non-public personal information to all non-affiliated third parties that are Joint Marketers/Process Servers, Processors and Servicers, or entities permitted or required under the law to receive information from us. These third parties do not afford the client and/or consumer the opportunity to opt-out of the disclosure of non-public personal information by us to these entities. Companies that perform services on our behalf (such as the auditors and examiners) all fall within our exemptions under the Federal law. Where the third party is not an exempted third party, the client and/or consumer has the right to opt-out of the disclosure and may exercise this right by calling:
800-621-4644
or in writing to:
4664 East 71st Street, Cuyahoga Hts. OH 44125
Online Privacy Act Disclosure
Firewall Protection
We use a protection mechanism on our website known as a firewall to protect our computer systems and your information. A firewall is a general term for a device that is used to prevent unauthorized access to or from a private network. When you pass through the firewall, your IP (Internet Protocol) address is stored for security and tracking purposes. This IP address does not personally identify you but allows communications on the Internet to be performed in a uniform and organized manner. The firewall uses the IP address to ensure our website is only accessed from valid sources.
Secured and Unsecured Sites
Encryption transforms data into an unreadable format. A secure site is one that uses 128-bit encryption and Secure Sockets Layer (SSL) technology to transmit information between you and Firefighters Community CU. SSL ensures information remains confidential. Encrypted, or scrambled, information effectively prevents anyone from intercepting and reading any information about you. Please note that this encryption takes place only when you use your web browser from a secured site.
An unsecured site does not utilize SSL technology or encryption. Information sent to or received from an unsecured site can potentially be intercepted by anyone. When sending an e-mail, you should not include personal information if you are sending it from an unsecured site.
Internet Web Browsers
An Internet browser allows access and the ability to navigate information and service resources on the Internet. Most computers come with a browser already installed. Always update your browser when new versions are released since the updates often include new security features. To protect your information and take full advantage of Secure Sockets Layer (SSL) technology, we recommend that you use a secure browser with a strong encryption technology such as Netscape Communicator® or Navigator®, download these browsers directly from Netscape or Microsoft.
Intranet
Our Internet site is a secured site for all online services. It is an unsecured site for e-mail. When you visit our website to view any pages, read service information, etc., you do so without telling us who you are and without revealing any information. While we do not collect identifying information about visitors to our website, we do use standard software to collect information for the strict purpose of tracking activity on our website. This allows us to get a better understanding of how many people use our website and which pages and features are most popular. Our website is not targeted or marketed to children. Please see the section “Children’s Online Privacy Policy”.
Our Ldderside.com Internet site is an unsecured site for e-mail. There are instances where you may send us an e-mail for a request and elect to provide us with information such as your name, mailing address, and/or e-mail address. Sending information is always your option and this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.
We ask that you do not send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to us via postal mail or you may call us or visit one of our financial centers. If we respond to you via e-mail, we will not include any of your personal information unless we send the e-mail through our secure site.
Online Surveys and Drawings
We may conduct online surveys and drawings. Your survey responses will improve our understanding of your needs so that we can improve the services that we offer. If you complete a survey, you are transmitting the information that appears to you in the survey. You never transmit information that you do not enter yourself. All information in the survey is used for internal purposes only. We may conduct a drawing in association with a survey or a promotion. If we do, we will ask for your name and contact information (such as your telephone number or e-mail address) so that we can notify you if you are a winner. Participation in surveys or drawings is always voluntary.
Links from Ladderside Website to Other Websites
Some links used on our Website pages will take you outside our Website. Although these links were established to provide you with access to useful information, we do not control and are not responsible for any of these websites or their contents. We do not endorse or make any representations about using such third-party websites or any information, software, or other products or materials found there, or any results that may be obtained from using them. We are not liable for any failure of products or services advertised on linked websites. If you decide to access any of the third-party websites linked to the Ladderside Website, you do so entirely at your own risk. We are not responsible for the security or privacy practices of the linked websites. We urge you to review the privacy policies of each of the linked websites you visit before you provide them with any personal information. Links to these websites from the Ladderside Website may be discontinued by us at our sole discretion at any time for any reason.
Cookies
A cookie is a piece of information that is stored directly on the computer you are using. Cookies cannot be used to find out the identity of any user. We use cookies to display information more effectively to our users and to gather data about the usage of our website. We do not use cookies to collect information about you. Your browser can be set to warn you when a cookie has been sent, allowing you to decide whether to accept or reject it. If you choose to reject cookies, you limit the functionality we can provide you and you may not be able to access some of our services.
Privacy of Children’s Information Disclosure
Consistent with the Federal Children’s Act of 1998, Ladderside will not collect, use or disclose online information received from children under age 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent the use of information and participation in the activity. Online information will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent. We will not distribute to third parties, other than its affiliate, personally identifiable information without prior parental consent. Ladderside will not post or otherwise distribute personally identifiable information without prior parental consent. Ladderside will not entice by the prospect of a special game, prize or other activity, to divulge more information than is needed to participate in the activity. Personally identifiable information collected online from their children may be reviewed by a parent or guardian upon written request. The parent or guardian has the right to have information deleted and instruct us to cease collecting further information from their child
Accessibility Notice
Ladderside Marketing is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 216.539.3067 or info@ladderside.com.
