PLEASE NOTE: THESE TERMS OF USE CONTAIN MUTUAL DISPUTE‑RESOLUTION PROVISIONS—INCLUDING AN ARBITRATION AGREEMENT AND CLASS‑ACTION WAIVER—THAT AFFECT YOUR RIGHTS. IN ARBITRATION THERE IS NO JUDGE OR JURY, AND DISCOVERY & APPELLATE REVIEW ARE MORE LIMITED THAN IN COURT. PLEASE READ SECTION “DISPUTES” CAREFULLY.

​

Ladd & Company (“Ladd & Co”) — Terms of Use

Last Updated: 07/07/2025

​

1. Agreement to Terms

These Terms of Use (“Terms”) govern your access to and use of the Ladd & Co website and any related mobile applications, content, features, or services (collectively, the “Site”). By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy (incorporated here by reference). If you do not agree, do not use the Site.

​

2. Changes to These Terms

We may modify these Terms at any time. The “Last Updated” date above will change when we post a revised version, and all changes take effect when posted unless we specify otherwise. Your continued use of the Site after changes are posted constitutes acceptance.

​

3. Accuracy, Completeness & Timeliness of Site Information

Content on the Site is provided for general information only. We do not warrant that information is accurate, complete, current, or suitable for any particular purpose. Reliance on any Site material is at your own risk. Historical information, if any, is provided for reference only. We may modify Site content at any time but have no obligation to update it. You agree it is your responsibility to monitor changes.

​

4. Orders, Pricing & Prohibition on Resale

Unless expressly stated, Site content does not constitute a binding offer. We reserve the right—at any time after receiving an order—to accept, refuse, or limit the order in our sole discretion, even after an order‑confirmation email or credit‑card charge. Prices are listed in U.S. dollars and are valid only in the United States. If a product is listed at an incorrect price, we may cancel the order and issue a credit for any charge incurred.

​

4.1 Large‑Order Policy

To ensure product availability for all customers and protect brand integrity, we may (i) limit quantities per person, household, or transaction, (ii) refuse or cancel orders suspected of being placed for resale, and (iii) require additional verification before fulfillment.

​

5. Product Information & Display

Certain products displayed online may be unavailable or may appear differently in person due to device settings. We do not guarantee color or finish accuracy on your screen.

​

6. Intellectual Property & License

All text, graphics, interfaces, photographs, logos, code, and the arrangement thereof (“Content”) are owned by or licensed to Ladd & Co and protected by U.S. and international intellectual‑property laws. You may view, copy, download, or print Site Content solely for your personal, non‑commercial use, provided that you do not:

• remove proprietary notices;

• modify, publish, transmit, reverse‑engineer, transfer, or sell any Content;

• create derivative works;

• use any Content for competitive purposes.

Ladd & Co grants you a revocable, non‑exclusive, non‑transferable license to access the Site in accordance with these Terms. We retain all rights not expressly granted.

​

7. Material You Submit

You are responsible for all content you post or transmit and warrant that (a) you own or control all rights, (b) it is accurate, and (c) its use does not violate any law or infringe any third‑party rights. Unless we state otherwise, you grant Ladd & Co a worldwide, perpetual, irrevocable, royalty‑free, sublicensable license to use, reproduce, modify, publish, and display such User Content in any media. All personal data is handled per our Privacy Policy.

You must not upload or transmit content that is unlawful, defamatory, obscene, invasive, infringing, or that contains viruses, spam, or commercial solicitations.

​

8. Conduct on the Site

You agree not to:

• interfere with Site security or operations;

• use automated means (bots, scrapers) without written permission;

• misrepresent your identity;

• frame or mirror the Site without consent;

• use contact information for unsolicited marketing.

We may suspend or terminate your access at any time and you remain liable for orders placed before termination.

​

9. Links to Third‑Party Sites

Links on the Site may lead to sites not operated by us. We are not responsible for their content or practices. Different terms may apply to your use of any linked site.

​

10. Trademarks & Copyrights

“Ladd & Co,” our logos, and all related marks are trademarks of Ladd & Company LLC or its affiliates. Nothing on the Site grants any license to use these marks without prior written permission. The Site and its Content are protected as a compilation under U.S. copyright law.

​

11. Infringement Notice (DMCA)

If you believe material on the Site infringes your copyright, please send an email to:

Email: legal@laddandco.com

Your notice must include: (1) your signature; (2) identification of the copyrighted work; (3) URL or description of the alleged infringement; (4) your contact info; (5) a good‑faith statement; and (6) a statement under penalty of perjury that the information is accurate and you are the owner or authorized agent.

​

12. DISCLAIMERS

YOUR USE OF THE SITE IS AT YOUR OWN RISK. THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, LADD & CO DISCLAIMS ALL WARRANTIES—EXPRESS OR IMPLIED—INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON‑INFRINGEMENT, AND DATA ACCURACY. WE DO NOT WARRANT THE SITE WILL BE UNINTERRUPTED, ERROR‑FREE, SECURE, OR VIRUS‑FREE.

​

13. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, LADD & CO SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON CERTAIN DAMAGES; THESE LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT ALLOWED.

​

14. Indemnification

You agree to indemnify, defend, and hold harmless Ladd & Co and its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs (including reasonable attorneys’ fees) arising out of your violation of these Terms or misuse of the Site.

​

15. Applicable Law

These Terms and your use of the Site are governed by the laws of the State of Connecticut and applicable U.S. federal law, without regard to conflict‑of‑law principles.

​

16. Disputes — Binding Arbitration & Class‑Action Waiver

​

• 16.1 Notice Requirement & Informal Resolution

• Before initiating arbitration, you must send a written notice (“Notice”) describing your claim to Ladd & Company LLC, Attn: Legal, 1875 Main Street, Suite 400, Hartford, CT 06103, and email a copy to legal@laddco.com. The Notice must include your name, address, phone number, email, details of the Dispute, relief sought, and your signature. You and Ladd & Co will attempt to resolve the Dispute informally within 60 days after the Notice is received. Completion of this informal process is a condition precedent to arbitration.

• 16.2 Agreement to Arbitrate

• Except for (i) claims in small‑claims court that seek only individualized relief, and (ii) claims for injunctive or other equitable relief regarding intellectual‑property misuse, any dispute, claim, or controversy “Dispute” arising out of or relating to the Site or these Terms shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified by this Section. The Federal Arbitration Act (“FAA”) governs the interpretation and enforcement of this agreement. If the AAA refuses to administer the arbitration consistent with these Terms, the parties shall jointly select another administrator.

• Location & Procedure. If your claim is $10,000 or less, you may elect telephonic or document‑only proceedings. Otherwise, hearings will be in Hartford County, Connecticut, unless the arbitrator requires otherwise or the parties agree to another location.

• Arbitrator Authority. The arbitrator shall apply Connecticut and federal law consistent with the FAA and honor all claims of privilege. The arbitrator may award individualized damages and relief but may not issue relief for or against anyone who is not a party.

• Written Decision. The arbitrator will issue a reasoned written decision explaining the essential findings.

• 16.3 Class‑Action Waiver

• Disputes must be brought on an individual basis only and shall not be litigated or arbitrated as a class, joint, collective, or representative action. The arbitrator may not consolidate claims of more than one person or otherwise preside over any form of representative proceeding. If this waiver is deemed unenforceable for a particular claim, that claim shall proceed in court, not arbitration.

• 16.4 Mass‑Arbitration Procedure

• If 25 or more similar claims are pursued by the same or coordinated counsel (“Mass Claims”), they shall proceed in staged bellwether arbitrations of 10 cases per side at a time. All other cases shall be tolled pending the bellwether results. This procedure is essential to arbitration; a court may compel compliance.

• 16.5 Opt‑Out of Future Changes

• If we later make a material change to this arbitration provision (other than the Notice address), you may reject the change by sending written notice to the address above within 30 days. Rejecting a change does not opt you out of arbitration altogether.

• 16.6 Court Venue & Jury‑Trial Waiver

• If a claim proceeds in court rather than arbitration, each party irrevocably submits to the exclusive jurisdiction of the state or federal courts in Hartford County, Connecticut, and waives any right to a jury trial.

• 16.7 Time to Bring Claims

• Unless prohibited by law, you must provide the Notice described above within one year after a claim accrues, or the claim is waived and time‑barred.

​

17. Changes to the Site or Services

We may modify, suspend, or discontinue any part of the Site at any time without liability.

​

18. Entire Agreement & Admissibility

These Terms and any policies posted on the Site constitute the entire agreement between you and Ladd & Co regarding the Site and supersede all prior communications. A printed version of these Terms is admissible to the same extent as any other business record.

​

19. Severability

If any provision of these Terms is unlawful, void, or unenforceable, that provision is severed, and the remaining provisions remain in effect.

​

20. No Waiver

Our failure to enforce any provision is not a waiver of future enforcement of that or any other provision.

​

​