Terms of Use

Effective Date: April 2026

These Terms of Use ("Terms") govern your access to and use of the website operated by Ladd & Co. at laddco.com and any associated subdomains (collectively, the "Website"). By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Website.

These Terms should be read in conjunction with the firm's Privacy Policy, Cookies Policy, Legal Entity Disclosure, and other policies published on the Website, each of which forms part of the firm's overall legal framework.

1. About the Firm

Ladd & Co. is a private advisory firm operating internationally through Ladd & Co. Pty Ltd (ABN 99 673 336 206), a company incorporated in New South Wales, Australia, together with its affiliated offices and entities across the jurisdictions listed in the firm's Legal Entity Disclosure.

The firm provides independent advisory and execution services to ultra-high-net-worth families, principals, and private institutions. The firm does not manage assets, hold client funds, or sell financial products. Advisory engagements are governed exclusively by individual written engagement agreements entered into with clients.

2. Access and Eligibility

The Website is intended for use by individuals who are of legal age and capacity to enter into binding agreements under the laws of their jurisdiction. Access to the Website from any jurisdiction in which the publication of the Website's content, or the provision of the firm's services, is restricted or prohibited is not permitted.

The firm reserves the right, at its sole discretion, to restrict, suspend, or terminate access to the Website (in whole or in part) at any time, without notice, and without liability to any person.

3. Permitted Use

You may access and view the content of the Website for your own personal, non-commercial use, provided you do so in accordance with these Terms and applicable law. Any other use requires the prior written consent of the firm.

You agree not to:

use the Website in any manner that violates applicable law, regulation, or these Terms;
reproduce, republish, distribute, transmit, modify, or create derivative works from any content on the Website without prior written consent;
attempt to gain unauthorised access to any part of the Website, its servers, or any connected systems or networks;
use any automated tools, bots, scrapers, or other means to access, monitor, or extract data from the Website;
introduce or transmit any virus, malware, trojan, worm, or other harmful code or material;
engage in any conduct that interferes with or disrupts the operation of the Website or the experience of other users;
use the Website to impersonate any person or entity, or to misrepresent your affiliation with any person or entity;
frame, mirror, or otherwise replicate any part of the Website on another website or platform without prior written consent.

4. No Professional Relationship

Accessing the Website, submitting an enquiry, signing up for any newsletter or notification, or engaging with any content of the firm does not, in itself, create a client relationship, advisory mandate, fiduciary obligation, or any other professional engagement of any kind between you and the firm.

A formal engagement with Ladd & Co. arises only upon execution of a written engagement agreement signed by an authorised representative of the firm. Until such an agreement is executed, no information, communication, or interaction with the firm should be relied upon as advice of any kind.

The firm is not, and does not hold itself out as, a substitute for independent legal, tax, financial, or other professional advice from appropriately qualified advisors in your jurisdiction.

5. Information on the Website

The information published on the Website is provided for general informational purposes only. While the firm endeavours to ensure the accuracy and currency of the information presented, it makes no representation or warranty, express or implied, as to the accuracy, reliability, completeness, or timeliness of any content.

The Website may include statements, observations, or commentary regarding general industry conditions, market practices, jurisdictional matters, or capabilities of the firm. None of this content is intended to:

constitute an offer, solicitation, recommendation, or invitation to enter into any transaction;
be construed as investment advice, tax advice, legal advice, or any other regulated professional advice;
form the basis of any commercial, financial, or other decision; or
create any obligation on the part of the firm.

Any forward-looking statements reflect the firm's current views as at the date of publication and are subject to change without notice. Past performance referenced anywhere on the Website is not indicative of, nor a reliable guide to, future results.

6. Third-Party Content and Links

The Website may contain links to third-party websites, services, or content ("Third-Party Materials"). Such links are provided for convenience only. The firm does not endorse, monitor, control, or accept responsibility for any Third-Party Materials, including their content, accuracy, security, privacy practices, or availability.

Your access to and use of any Third-Party Materials is at your own risk and is subject to the terms and policies of the relevant third party.

7. Intellectual Property

All content on the Website, including text, graphics, logos, icons, images, photography, design elements, layouts, software, code, and underlying technology (the "Content"), is owned by, licensed to, or otherwise lawfully used by Ladd & Co. and is protected by applicable copyright, trademark, design, and other intellectual property laws.

The "Ladd & Co." name, the firm's logo, and all related identifiers and marks are trademarks of Ladd & Co. No licence, right, or interest in any trademark, trade name, service mark, or other proprietary right of the firm is granted by reason of access to or use of the Website.

You may not, without the firm's prior written consent:

reproduce, copy, distribute, publish, broadcast, or transmit any Content;
modify, adapt, translate, or create derivative works based on any Content;
use any Content for commercial purposes; or
remove or alter any copyright, trademark, or other proprietary notice from any Content.

8. User Submissions

If you submit any enquiry, message, comment, document, or other communication to the firm through the Website or by email ("Submissions"), you represent and warrant that:

you have the right to make such Submission;
the Submission does not infringe any third-party right or applicable law;
the Submission is accurate and not misleading; and
you grant the firm a non-exclusive, worldwide, royalty-free licence to use the Submission for the purposes of responding to your enquiry, managing the firm's records, and complying with applicable legal and regulatory obligations.

The firm may, at its discretion, decline to respond to or act on any Submission and is under no obligation to maintain any Submission in confidence except where required by law or by the firm's Privacy Policy.

9. Confidentiality of Client Communications

While the firm operates with a permanent obligation of confidentiality in respect of its client engagements, Submissions made through the Website prior to execution of a formal engagement agreement are not subject to the same confidentiality protections as client communications. You should not transmit confidential, sensitive, or privileged information through the Website's enquiry channels.

If you wish to share confidential information with the firm prior to engagement, you should contact the firm to arrange an appropriate confidentiality framework.

10. Modifications to the Website and these Terms

The firm reserves the right to modify, update, suspend, or discontinue any part of the Website at any time, in whole or in part, and without prior notice or liability.

The firm may amend these Terms from time to time by publishing an updated version on the Website. Your continued use of the Website following the publication of any amendment constitutes your acceptance of the revised Terms. You should review these Terms periodically.

11. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website and all Content are provided on an "as is" and "as available" basis. The firm makes no representations or warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, security, uninterrupted access, or freedom from harmful components.

The firm does not warrant that the Website will operate without interruption or error, that defects will be corrected, or that the Website or its servers are free from viruses or other harmful components.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Ladd & Co., its officers, directors, partners, employees, agents, contractors, and affiliates (collectively, the "Firm Parties") shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or in connection with:

your access to or use of the Website;
any reliance placed on any Content;
any action taken or not taken as a result of accessing the Website;
any unauthorised access to or alteration of your transmissions or data;
any interruption, suspension, or termination of the Website; or
any conduct of any third party on or in connection with the Website.

This limitation applies regardless of the legal theory under which damages are sought, whether in contract, tort (including negligence), strict liability, equity, or otherwise, and even if the Firm Parties have been advised of the possibility of such damages.

Where applicable law does not permit the full exclusion or limitation of liability, the firm's liability is limited to the maximum extent permitted by that law.

Nothing in these Terms excludes, restricts, or modifies any non-excludable consumer guarantee, right, or remedy that may apply under the Australian Consumer Law or equivalent legislation in your jurisdiction.

13. Indemnity

You agree to indemnify, defend, and hold harmless the Firm Parties from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

your breach of these Terms;
your misuse of the Website;
your infringement of any right of any third party; or
any Submission you make through the Website.

14. Sanctions, Export Controls, and Restricted Persons

You represent and warrant that you are not a person, and are not acting on behalf of any person, that is subject to applicable sanctions, export controls, or other restrictive measures imposed by Australia, the United States, the European Union, the United Kingdom, the United Nations, or any other relevant authority.

The firm reserves the right to refuse access to the Website, to decline to respond to any enquiry, and to terminate any prospective engagement where doing so is necessary to comply with applicable sanctions or export control laws.

15. Termination

The firm may, at its sole discretion and without notice, terminate or restrict your access to the Website at any time and for any reason, including breach of these Terms. The provisions of these Terms which by their nature should survive termination shall survive, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnity, and governing law.

16. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected, and the invalid provision shall be deemed modified to the minimum extent necessary to render it enforceable.

17. No Waiver

The failure of the firm to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of the firm.

18. Assignment

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of the firm. The firm may assign or transfer its rights and obligations under these Terms at its discretion.

19. Entire Agreement

These Terms, together with the firm's Privacy Policy, Cookies Policy, and other policies published on the Website, constitute the entire agreement between you and the firm in respect of your use of the Website, and supersede all prior agreements, representations, and understandings, whether oral or written, in respect of the same subject matter.

20. Governing Law and Jurisdiction

These Terms, and any dispute, claim, or matter (whether contractual or non-contractual) arising out of or in connection with the Website or these Terms, are governed by and construed in accordance with the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales for the resolution of any such dispute.

The firm reserves the right to bring proceedings against you in any other jurisdiction in which you reside, are domiciled, or in which your breach of these Terms has caused harm to the firm.

21. Contact

For any questions regarding these Terms, please contact:

Ladd & Co. Email: office@laddco.com Website: laddco.com

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