Skylight Online Privacy Policy

In the information age, Skylight Financial's commitment to protect your information and your privacy extends to your online usage of our Websites. While our privacy policies are the same whether you are using our secure online services or not, we have extra measures in place to protect your privacy when you are logged into Skylight’s secure banking areas.

Skylight provides various demos of our financial tools designed to help you make your paycard decisions and choose the Skylight products and services that are right for you. If you do not bank online with Skylight, we do not collect, capture, or retain personally identifiable information when you are just browsing. By offering you this level of privacy, we believe you will be more likely to find the products and services that fulfill your financial needs and goals.

When you initiate an online application for one of our products or services, or when you register for an online service, our Website will request information such as your email address. This information allows you to perform certain tasks (e.g., correspond with us or review your accounts), and it allows us to provide the information you requested. In these cases, we collect only the information necessary to interact with you. We also gather data to track Website usage such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.

Cookies are pieces of data assigned by a Web server to the browser on your computer. Cookies enable Websites to keep track of user preferences and to recognize return visitors. So, when you return to a Website you have previously visited your browser sends the data back to the server. Contrary to reports about cookies, they do not contain viruses. Skylight does not embed your Social Security number, account number(s), or password(s) in our cookies.

Skylight uses cookies to make your online experience with Skylight and certain linked Websites richer and more personalized based on the products and services you have with us. Also, without revealing your identity, cookies help us confirm your identity and keep your transactions with us secure when you do your banking online.

We also use cookies for various purposes such as maintaining continuity during an online session, gathering data about the use of our site, and monitoring our online promotions. This information helps us inform you about additional products, services, or promotions from Skylight its partner companies and affiliates that may be of interest to you. These promotions may be offered to you via online ads, email, U.S. mail, or telephone subject to the privacy preferences you have on file with Skylight. Skylight may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. We recommend that you complete your online transactions and sign off before browsing other sites or turning off your computer. We also suggest that you do not browse other sites during your Online Banking sessions.

Skylight does not sell, rent, or lease its customer lists to third parties. Skylight may occasionally contact you on behalf of external business partners about a particular offering that we believe may be of interest to you. In those cases, your unique personally identifiable information (e.g., name, address, telephone number, email address) is not transferred to the third party. Skylight does not use or disclose sensitive personal information such as race, religion, or political affiliations without your explicit consent.

Skylight Financial will disclose your personal information without notice only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Skylight Financial or the site; (b) protect and defend the rights or property of Skylight Financial; and, (c) act under exigent circumstances to protect the personal safety of users of Skylight Financial or the public.

You can set your browser to reject cookies. However, if you choose to reject cookies you may not be able to bank online with Skylight. If your browser rejects cookies, you may not be able to sign on to your favorite sites or use the features you like most within those sites. The latest versions of common browsers allow you to reject cookies automatically. With this feature it may not be necessary for you to set your browser to reject cookies. Earlier versions of common browsers may require you to set your browser to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions. When browsing the Internet, you may see a banner ad for a Skylight product or service such as an auto loan or a credit card. These ads may appear on other non-Skylight Websites. We use third-party ad serving companies to serve our ad banners to sites on which we have paid to advertise. If you click on one of our ads, you will be directed to the Skylight site offering that particular product or service.

Sometimes, these ads may contain small graphics with "tags" in them. These tags tell us how many people respond to our ads. They do not identify you personally. Instead, these tags are used only to measure the effectiveness of our ads placed on non-Skylight sites. The companies that distribute our ads are prohibited by contract from using information other than for the agreed upon purpose – to help us market our products and services and to measure response rates.

The information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the Internet. This technology scrambles your account information as it moves between your computer's browser and Skylight's computer systems. When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than Skylight to read it. This secure session helps protect the safety and confidentiality of your information when you bank with us online.

From our Websites, we do not knowingly collect or use personal information from children under 13 years of age without obtaining verifiable consent from their parents. We are not responsible for the data collection and use practices of non-affiliated third parties to which our Websites may link.

We are not responsible for the information collection practices of the non-Skylight links you click to from our Web pages. We cannot guarantee how these third parties use cookies or whether they place cookies on your computer that may identify you personally. We urge you to review the privacy policies of each of the linked Websites you visit before you provide them with any personally identifiable information.

If it is necessary to make changes to our online privacy policies, we will update the Skylight Online Privacy Policy with the changes and new effective date.

Skylight Financial welcomes your comments regarding this Privacy Policy. If you believe that Skylight Financial has failed to adhere to this Statement, please contact Skylight Financial at contact@skylight.net. We will use commercially reasonable efforts to promptly determine and remedy the problem.