LIBOR 1 Month
0.14475% Prime Rate
3.25% 5 Year
Treasury: 0.272% ▲Spread: 0.088%Swap: 0.360% ▼ 7 Year
Treasury: 0.464% ▲Spread: 0.046%Swap: 0.510% ▼ 10 Year
Treasury: 0.671% ▲Spread: 0.039%Swap: 0.710% ▼
Ladder Capital Corp and its affiliates (“Ladder Capital”) understand that confidentiality and the protection of your privacy are important elements of your business relationship with us. Ladder Capital has a policy of protecting the confidentiality and security of information we collect about our clients. Please take the time to read and understand the privacy policies that we have implemented to safeguard your non-public personal information. For the privacy notice that applies to Ladder Capital Asset Management LLC and Ladder Capital Securities LLC, please click here.
In addition, if you are a resident of California, please see our Additional Notice for California Residents, which provides additional information about our privacy practices.
Ladder Capital may collect certain non-public personal information about its customers to provide financial services and products. Non-public personal information means personally identifiable financial information and any list, description or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available. The personally identifiable financial information that we gather during the normal course of doing business with you may include:
1. Information we receive from you on applications or other forms;
2. Information about your transactions with us, our affiliates, or others; and
3. Information we receive from a consumer reporting agency.
We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law, or as necessary to provide services to you. In accordance with Sections 248.13 through 248.15 of Regulation S-P, we may disclose all of the information we collect, as described above, to certain non-affiliated third parties such as, but not limited to, attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all non-affiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.
We restrict access to non-public personal information about you to those employees who need to know that information to provide financial products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Upon your written request, we can make available for your review any file we will maintain for your personal Information. You may contact us at 212-715-3170 regarding any questions about this policy statement.
This Notice was last updated on January 1, 2020 (“Effective Date”).
This Privacy Notice applies to California consumers. We generally do not offer products or services directly to the general public. However, we obtain information that consumers provide when contacting us, including via email or by phone, and when you visit our websites. Information that we collect from individuals in their capacity as an owner, shareholder or guarantor of an entity applying for a loan in connection with the loan application process is subject to a separate privacy notice provided to those individuals.
Personal Information about California Consumers
We may collect from California consumers, or have collected from California consumers in the previous twelve months, the information listed below.
We may collect the above personal information directly from consumers and from consumer interactions with our websites. We may use personal information in the above categories for business purposes that include but are not limited to:
We may disclose the above categories of personal information for these business purposes to our affiliates and to service providers in connection with their provision of services to us. We also may disclose information (i) when required by law, regulation or legal process (such as a court order or subpoena), (ii) in response to requests by government agencies, such as law enforcement authorities, or (iii) when necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity; and (iv) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation). We have not sold personal information to third parties in the 12-month period preceding the Effective Date of this Privacy Notice.
Your Rights Under the California Consumer Privacy Act
If you are a California resident, you have: (1) the right to know what personal information we collect, use, disclose and sell; and (2) the right to request that we delete your personal information. We will honor your request to the extent required by applicable law.
You may designate an authorized agent to make a request to know or request to delete on your behalf. An agent may be an individual, or a business entity registered with the California Secretary of State. To designate an authorized agent, you must provide the agent with written permission to submit the request. We may still require you to verify your identity directly (subject to certain exceptions). We may refuse a request if the agent does not provide adequate proof of their authorization.
We may not discriminate against you for exercising any of your rights under the CCPA. This means that we may not deny you services, or charge you different prices or rates for services or provide you with a different level or quality of services (or suggest that we will do so), in response to a request made under the CCPA.
How to Exercise These Rights
You may request to exercise the foregoing rights by:
Please note that we may take steps to verify your identity before granting you access to information or acting on your request to exercise your rights, as required or permitted by law. We may limit our response to your exercise of the above rights as permitted by law.