Privacy Policy

Effective Date: [August 2025]
Last Updated: [August 2025]

Our Commitment to Your Privacy

Sky Path Credit understands that your financial information is personal and sensitive. As a licensed direct lender, we are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This Privacy Policy explains how we collect, use, share, and protect your information when you apply for our installment loan services.

We have implemented comprehensive security measures and follow strict privacy practices to ensure your data is protected and used only for legitimate business purposes related to providing you with financial services.

About This Policy

Who We Are

Sky Path Credit is a licensed direct lender operating under federal and tribal laws. We specialize in providing installment loans to qualified consumers who need short-term financial assistance.

What This Policy Covers

This Privacy Policy applies to information we collect through our website, mobile applications, loan application process, customer service interactions, and any other communications with Sky Path Credit.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new effective date. For significant changes affecting how we share your information, we will provide 30 days advance notice.

Information We Collect

Information You Provide to Us

When you apply for a loan, we collect personal information necessary to process your application and manage your account. This includes your full name, date of birth, Social Security Number, driver’s license information, current and previous addresses, phone numbers, and email address.

We also collect employment and income information such as your employer’s name and contact details, job title, length of employment, monthly income, and pay frequency. Additionally, we gather financial information including your bank account details, existing debts, and information about your financial obligations.

Information We Collect Automatically

When you visit our website, we automatically collect certain technical information including your IP address, browser type, pages you visit, and how long you spend on our site. We use cookies and similar technologies to enhance your browsing experience and improve our website functionality.

Information from Third Parties

We obtain information from credit reporting agencies to evaluate your creditworthiness, including credit reports, credit scores, and payment history. We may also use verification services to confirm your identity, employment, and income information. This helps us make informed lending decisions and comply with regulatory requirements.

How We Use Your Information

Loan Processing and Services

We use your information primarily to evaluate your loan application, verify your identity and income, assess your ability to repay, and make lending decisions. Once approved, we use your information to process loan disbursements, manage payments, provide customer service, and send important account notifications.

Legal and Business Requirements

We use your information to comply with federal and state lending laws, prevent fraud, maintain required business records, and fulfill our regulatory reporting obligations. We may also use your information for internal business analysis to improve our services and ensure we’re meeting our customers’ needs.

Communications

We will contact you regarding your loan application status, payment reminders, account updates, and important policy changes. With your consent, we may also send you information about additional services that might benefit you.

How We Share Your Information

Service Providers

We work with trusted third-party service providers who help us operate our business. These include payment processors who handle loan disbursements and collect payments, technology companies that maintain our website and data systems, and customer service providers. All service providers are required to protect your information and use it only for the specific services they provide to us.

Credit Reporting

We report your loan information to credit reporting agencies as required by law. This includes your payment history, which can help you build positive credit when you make payments on time. We also share information with credit bureaus when evaluating your application.

Legal Requirements

We may disclose your information when required by law, such as in response to a court order, subpoena, or government investigation. We may also share information to prevent fraud or protect the safety and security of our customers and business operations.

What We Don’t Do

We do not sell your personal information to third parties for their marketing purposes. We do not share your information with unaffiliated companies for their own marketing unless you give us specific permission to do so.

Protecting Your Information

Security Measures

We protect your information using industry-standard security measures including 256-bit SSL encryption for all data transmission, secure data storage systems, firewalls and intrusion detection systems, and restricted access controls for our employees. Our staff receives regular training on privacy and security procedures.

Data Retention

We retain your information for as long as necessary to provide services and comply with legal requirements. Generally, we keep loan information for seven years after your final payment, application information for 25 months after your application decision, and customer service records for three years.

Secure Disposal

When we no longer need your information, we securely delete electronic files and shred physical documents to prevent unauthorized access.

Your Privacy Rights

Accessing and Updating Your Information

You can request access to the personal information we have about you and ask us to correct any inaccuracies. You can update most of your contact information by calling our customer service team or logging into your online account.

Communication Preferences

You can opt out of marketing communications at any time by clicking the unsubscribe link in emails, calling us to be added to our Do Not Call list, or replying “STOP” to text messages. Please note that even if you opt out of marketing communications, we will still send you important information about your loan and account.

State-Specific Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act including the right to know what personal information we collect, the right to request deletion of your personal information (subject to legal retention requirements), and the right to opt out of any sale of personal information.

How to Exercise Your Rights

To exercise any of these rights or ask questions about your privacy, contact us at privacy@skypathcredit.com, call us at (800) 348-1633, or write to us at Sky Path Credit, Attn: Privacy Officer, [Address]. We will respond to your request within 30 days.

Cookies and Website Technology

How We Use Cookies

Cookies are small files stored on your device that help our website function properly and remember your preferences. We use essential cookies that are necessary for website operation, performance cookies that help us understand how visitors use our site, and functional cookies that remember your preferences and settings.

Managing Cookies

You can control cookies through your browser settings, though disabling certain cookies may affect your ability to use some features of our website. Most browsers allow you to block or delete cookies, and you can usually find these options in your browser’s privacy or security settings.

Important Legal Information

Regulatory Compliance

Sky Path Credit operates in compliance with federal financial privacy laws including the Gramm-Leach-Bliley Act, Fair Credit Reporting Act, and Truth in Lending Act. As a tribal lending entity, we also follow applicable tribal regulations and maintain licenses in states where we conduct business.

Children’s Privacy

Our services are intended only for adults age 18 and older. We do not knowingly collect information from minors, and if we become aware that we have collected information from someone under 18, we will promptly delete it.

Contact Information

For questions about this Privacy Policy, contact our Privacy Officer at privacy@skypathcredit.com or (800) 348-1633. For general customer service, email support@skypathcredit.com or call (800) 348-1633 Monday through Friday, 8 AM to 7 PM EST.

Complaints

If you have concerns about how we handle your personal information, please contact us first so we can address your concerns. You may also file complaints with the Consumer Financial Protection Bureau at consumerfinance.gov or your state’s financial regulatory authority.

This Privacy Policy governs our collection and use of your personal information in connection with Sky Path Credit’s installment loan services. Please read this policy carefully and contact us if you have any questions about your privacy rights.