Terms of Service

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

Acceptance of Terms

Welcome to Sky Path Credit. These Terms of Service govern your use of our website, services, and any loan products we provide. By accessing our website at skypathcredit.com, submitting a loan application, or using any of our services, you agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, you must not use our website or services. Your continued use of our services after any changes to these terms constitutes your acceptance of the modified terms.

About Sky Path Credit

Sky Path Credit is a licensed direct lender operating under federal and tribal laws. We specialize in providing installment loans to qualified borrowers who need short-term financial assistance. As a tribal lending entity, we are wholly owned and operated by [Tribal Entity Name], a sovereign nation recognized by the United States federal government.

Our services include online loan applications, loan processing, customer account management, and related financial services. We operate in compliance with applicable federal lending laws and tribal regulations.

Eligibility and Account Requirements

Basic Eligibility

To be eligible for our services, you must be at least 18 years old, be a U.S. citizen or permanent resident, have a regular source of income of at least $1,200 per month after taxes, maintain an active checking account in good standing, and provide accurate and complete information in your application.

Military Lending Act Compliance

In accordance with the Military Lending Act, active duty servicemembers, their spouses, and dependents are not eligible for our loan products. We will verify military status as part of our application process.

Account Security

You are responsible for maintaining the confidentiality of any login credentials associated with your account. You must notify us immediately if you become aware of any unauthorized use of your account or any other security breach. We are not liable for any loss or damage arising from your failure to protect your account information.

Loan Application Process

Application Accuracy

All information provided in your loan application must be truthful, accurate, and complete. You authorize us to verify any information you provide through third-party sources including credit reporting agencies, employment verification services, and banking institutions.

Application Review

We reserve the right to approve or deny any loan application in our sole discretion. Approval is not guaranteed, and we may consider various factors including your credit history, income, employment status, and ability to repay. We will notify you of our decision as promptly as possible.

Electronic Communications

By applying for a loan, you consent to receive communications from us electronically, including loan documents, account statements, payment reminders, and other important notices. You agree that electronic communications satisfy any legal requirement for written communications.

Loan Terms and Repayment

Loan Agreement

If approved, your specific loan terms including the principal amount, interest rate, payment schedule, and total cost will be detailed in your individual loan agreement. You must review and electronically sign your loan agreement before funds are disbursed.

Payment Obligations

You agree to make all payments according to the schedule outlined in your loan agreement. Payments will be automatically withdrawn from your designated bank account on the scheduled due dates via ACH unless you arrange for alternative payment methods.

Late Payments and Fees

If you fail to make a scheduled payment, you may be subject to late fees as specified in your loan agreement. We may also charge returned payment fees if a payment is returned by your bank for insufficient funds or other reasons.

Default and Collection

If you default on your loan, we may declare the entire unpaid balance immediately due and payable. We may pursue collection activities including reporting to credit bureaus, engaging third-party collection agencies, and taking legal action to recover amounts owed.

Use of Our Website and Services

Permitted Use

Our website and services are provided for your personal, non-commercial use in connection with obtaining financial services from Sky Path Credit. You may not use our services for any illegal purpose or in any manner that could damage, disable, or impair our systems.

Prohibited Activities

You agree not to attempt to gain unauthorized access to our systems, interfere with the proper functioning of our website, use automated software to access our services, transmit viruses or malicious code, or engage in any activity that violates applicable laws or regulations.

Intellectual Property

All content on our website including text, graphics, logos, images, and software is the property of Sky Path Credit or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

Privacy and Information Use

Information Collection

We collect personal and financial information as described in our Privacy Policy. By using our services, you consent to our collection, use, and sharing of your information as outlined in our Privacy Policy, which is incorporated into these Terms of Service.

Information Sharing

We may share your information with service providers, credit reporting agencies, and other third parties as necessary to provide our services and comply with legal requirements. We do not sell your personal information to unaffiliated third parties for their marketing purposes.

Credit Reporting

We may report your loan and payment information to credit reporting agencies. This can help you build positive credit history when you make payments on time, but may negatively impact your credit if you miss payments or default.

Legal and Regulatory Information

Tribal Sovereignty

Sky Path Credit operates as a tribal lending entity under the jurisdiction of [Tribal Entity Name]. This relationship is governed by federal law, including the U.S. Constitution’s Commerce Clause and Indian Self-Determination Act. Some state laws may not apply to loans made by tribal lenders.

Applicable Law

These Terms of Service and your loan agreement are governed by federal law and applicable tribal law. Any disputes will be resolved according to the dispute resolution procedures outlined in your individual loan agreement.

Licensing and Compliance

We maintain appropriate licenses and operate in compliance with federal lending laws including the Truth in Lending Act, Fair Credit Reporting Act, and Equal Credit Opportunity Act. We are committed to responsible lending practices and consumer protection.

Limitations and Disclaimers

Service Availability

We strive to maintain continuous access to our website and services, but we do not guarantee uninterrupted availability. We may suspend or modify our services for maintenance, upgrades, or other business reasons with or without notice.

Information Accuracy

While we endeavor to provide accurate information on our website, we make no warranties regarding the completeness or accuracy of information. Interest rates, fees, and loan terms are subject to change and will be confirmed in your individual loan agreement.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or control these websites and are not responsible for their content, privacy practices, or security measures.

Limitation of Liability

To the maximum extent permitted by law, Sky Path Credit’s liability for any damages arising from your use of our services is limited to the amount of fees you have actually paid to us. We are not liable for indirect, consequential, or punitive damages.

Customer Service and Complaints

Contact Information

For questions about these Terms of Service or our services, contact us at support@skypathcredit.com or call (800) 348-1633 during business hours, Monday through Friday, 8 AM to 7 PM EST.

Complaint Resolution

If you have a complaint about our services, please contact our customer service team first. We are committed to resolving issues promptly and fairly. If your concern is not resolved, you may contact our Tribal Regulatory Authority or file complaints with appropriate regulatory agencies.

Communication Preferences

You may opt out of marketing communications at any time, but you cannot opt out of essential service communications related to your loan account, such as payment reminders and account statements.

Changes to Terms

Modifications

We may modify these Terms of Service at any time by posting updated terms on our website. Material changes will be effective 30 days after posting, and continued use of our services constitutes acceptance of the modified terms.

Individual Loan Agreements

Changes to these general Terms of Service do not modify the specific terms of existing loan agreements. Your individual loan agreement will remain in effect according to its original terms unless modified through a separate agreement.

Notification

We will notify you of significant changes through email or other electronic communications when possible. It is your responsibility to review these Terms of Service periodically for updates.

Termination

Termination by You

You may stop using our services at any time, but you remain responsible for all outstanding loan obligations and must continue making payments according to your loan agreement.

Termination by Us

We may terminate or suspend your access to our services immediately if you violate these Terms of Service, provide false information, or engage in fraudulent activity. Termination does not relieve you of your obligations under any existing loan agreement.

Effect of Termination

Upon termination, your right to use our services ceases immediately. All provisions of these Terms of Service that should survive termination will remain in effect, including payment obligations, liability limitations, and dispute resolution procedures.

General Provisions

Entire Agreement

These Terms of Service, together with your individual loan agreement and our Privacy Policy, constitute the entire agreement between you and Sky Path Credit regarding our services.

Severability

If any provision of these Terms of Service is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any provision of these Terms of Service does not constitute a waiver of our right to enforce that provision in the future.

Assignment

You may not assign or transfer your rights under these Terms of Service without our written consent. We may assign our rights and obligations under these terms to any affiliate or successor entity.

Electronic Signatures

You agree that electronic signatures, contracts, and records have the same legal validity as traditional paper documents. You consent to conducting business electronically and receiving all documents and communications in electronic format.

By using Sky Path Credit’s services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Please contact us if you have any questions about these terms or our services.