SkyBlue Card™ Privacy Policy

Last Updated: December 17th, 2019

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Thank you for visiting the SkyBlue Card™ website located at www.skybluecard.com (the "Site"). The Site is an Internet property of Global Response Partners, LLC "GRPAds" ("SkyBlue Card™," "we," “our” or "us"). We respect the privacy of your personally identifiable information. To better inform you of our privacy and security policies, we provide this SkyBlue Card™ Privacy Policy ("Privacy Policy") explaining our online information practices and the choices available to you concerning the way that we use the information collected at the Site. You agree to this Privacy Policy, in its entirety, when you: (a) access or use the Site; (b) access and/or view any of the: (i) links to third-party credit card, personal loan and/or auto loan-related resources and other information (“Third-Party Links"); and/or (ii) text, video and/or other information pertaining to credit card, personal loan and/or auto loan-related products and/or services made available on the Site (the “Informational Content," and together with the Third-Party Links, the “Content"); (c) register on the Site to receive the SkyBlue Card™ newsletter (the “Newsletter”) which features various products and/or services, including credit card, personal loan and auto loan-related products and/or services (collectively, the “Third-Party Products”), as provided by SkyBlue Card's™ third-party credit card, personal loan and auto loan-related product and service providers (“Third-Party Service Providers”) and other third-party advertising partners (“Third-Party Advertisers”); and/or (d) utilize the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, SkyBlue Card™ and/or SkyBlue Card's™ Third-Party Service Providers regarding the Third-Party Products (collectively, the “Contact Services," and together with the Site, Content and Newsletter, the “Site Offerings").

Capitalized terms not defined herein shall have the meanings set forth in the SkyBlue Card™ Terms & Conditions of Use (“Terms and Conditions”).  IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OFFERINGS.

Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by emailing us at: info@skybluecard.com; or sending us U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

Your California Privacy Rights

Shine the Light.  If you are a resident of the State of California and would like to learn how your “personal information” (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third parties, what categories of personal information that we have shared with third parties in the preceding year, as well as the names and addresses of those third parties, please: (a) email us at: info@skybluecard.com with the subject line “Privacy”; or (b) send us correspondence via US mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please: (a) email us at: info@skybluecard.com with the subject line “Privacy”; or (b) send us correspondence via US mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

California Consumer Privacy Act of 2018 (“CCPA”).  In addition to the foregoing, if you are a resident of the State of California certain other privacy-related rights may apply to you in accordance with the CCPA, including the right to opt-out of our sale of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information.  Please see our “Provisions for California Residents” below for a more complete description of your rights under the CCPA as a California resident.

Privacy Policy Quick Links

Below are links to key sections of our Privacy Policy:

Your Nevada Privacy Rights

If You are a resident of the State of Nevada and would like to opt-out from the sale of Your personal information to any third party data broker, please e-mail us at: info@skybluecard.com or send U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577

Personal Information Collection

[Please see our Provisions for California Residents below for additional details regarding the categories of personal information collected]

We collect your personally identifiable information when you register to use the Contact Services and/or register for the Newsletter.  In connection with registering to use the Contact Services and/or registering to receive the Newsletter, you may be required to submit, and SkyBlue Card™ may collect, some or all of the following information: (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers’ license number; (k) state of issuing driver’s license; (l) your primary source of income; (m) your time at your current job; (n) your employer’s name; (o) your employer’s telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) your direct deposit; (z) your Social Security Number; and (aa) any other information collected via the applicable Contact Services form (collectively, “Contact Data").

Upon entering Contact Data and clicking on the applicable submission button on the Site: (i) SkyBlue Card™ may pass your Contact Data along to one (1) or more of SkyBlue Card's™ Third-Party Service Providers and/or Third-Party Advertisers; (ii) you may be contacted by SkyBlue Card™ and/or one (1) or more Third-Party Service Providers regarding your request; and/or (iii) you may be contacted by one (1) or more Third-Party Advertisers with third-party offers that may be of interest to you.  Any information that you supply to any Third-Party Service Provider and/or Third-Party Advertiser shall be governed by that third-party entity’s privacy policy.  Where SkyBlue Card™ contacts you in connection with your submission of Contact Data, a SkyBlue Card™ representative may request additional information over the telephone (collectively, “Follow-Up Data," and together with the Contact Data, the “User Data").  For purposes of this Privacy Policy, items (g), (h), (i), (j), (k), (l), (m), (n), (o), (p), (q), (r), (s), (t), (u), (v), (w), (x), (y) and (z) shall be deemed “Sensitive Information.

Please be advised that SkyBlue Card™ does not itself provide the Third-Party Products, or any other comparable products and/or services, and the ultimate terms and conditions of any product or service featured by and through the Site Offerings will be determined by the applicable Third-Party Service Provider(s) and/or Third-Party Advertiser(s).   

Use and Sharing of Personal Information

[Please see our Provisions for California Residents below for details regarding our uses and sharing of personal information]

The personal information that you submit to SkyBlue Card™ remains your property, but by submitting that personal information to SkyBlue Card™, you agree that we may share, sell, rent, lease or otherwise provide that personal information (other than Sensitive Information) to any third-party (including Third-Party Advertisers) for any purpose permitted by law, and we may work with other businesses to bring selected third-party offers to you. These businesses and third-parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. We may also use your personal information to send you promotional messages regarding various SkyBlue Card™ products and/or services, as well as third-party products and/or services that we think may be of interest to you.

Without limiting the foregoing, with your permission, we may share your User Data (including Sensitive Information) with those Third-Party Service Providers that you request to be contacted by.  These Third-Party Service Providers may use your User Data to offer you credit card, personal loan and auto loan-related products and/or services, and for any other lawful purposes, subject to any restrictions contained herein. Where you submit personal information, we use the personal information that you make available to personalize your experience with the Site and to facilitate the delivery of the applicable Site Offerings to you, including to respond to any inquiries made by you.

You also agree that we may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Site Offerings, and to keep you informed of our other products and services.

We may also provide your information to third-party companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from end-user lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our end-users’ personal information as needed to perform these functions for us, but we do not permit them to use end-user personal information for other purposes.

We will also use your personal information with your permission, for customer service, to provide you with information that you may request, to customize your experience with the Site Offerings and/or to contact you when necessary in connection with your use of the Site Offerings. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the Site Offerings. We may also combine the information that we have gathered about you with information from other sources.

By submitting your personal information by and through the Site Offerings, and thereby providing your permission, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide "prior express consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you consent to receive telephone calls from SkyBlue Card™ and/or its designated Third-Party Service Provider(s) and/or Third-Party Advertiser(s), as applicable, including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automated technology, to the telephone number(s) that you provided. Please note that you are not required to provide this consent in order to obtain access to the Site Offerings, and your consent simply allows SkyBlue Card™ and its designated Third-Party Service Providers and/or Third-Party Advertiser(s), as applicable, to contact you via these means.

Without limiting the foregoing, where you provide “prior express consent” within the meaning of the TCPA to receive SMS messages from SkyBlue Card™ and/or its designated Third-Party Service Providers and/or Third-Party Advertisers, you may receive a maximum of nine (9) such SMS messages per calendar month.   Text “STOP” to opt-out from future messages.  No other words or combination of words will achieve a successful opt out result. You may text “HELP,” or email us at info@skybluecard.com, for help. Active keywords include HELP, STOP, END, QUIT, CANCEL, UNSUBSCRIBE.

Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (i) have your telephone number reassigned to another person or entity; (ii) give up your telephone number so that it is no longer used by you; (iii) port your telephone number to a landline or vice versa; or (iv) otherwise stop using that telephone number for any reason (collectively "Phone Number Change"), you agree that you shall promptly notify SkyBlue Card™ of the Phone Number Change via e-mail at: info@skybluecard.com, or by using one of the methods set forth in the "Contact Us" section below.

We reserve the right to release current or past personal information (including Sensitive Information): (A) in the event that we believe that the Site Offerings are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (B) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (C) if we are sold, merge with a third-party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if SkyBlue Card™ is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the Site of any change in ownership or uses of your personal information, as well as any choices that you may have regarding your personal information.

You hereby consent to the disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with third-parties for suppression purposes in compliance with applicable law, including the CAN-SPAM Act of 2003, as amended from time to time. End-users should also be aware that courts of equity, such as U.S. Bankruptcy Courts, might have the authority under certain circumstances to permit personal information to be shared or transferred to third-parties without permission.

Non-Personally Identifiable Information Collection and Use

Please see our Provisions for California Residents below for more details regarding the categories and types of non-personal information collected]

Computer IP Addresses/Browser Type

We may collect certain non-personally identifiable information about you and your desktop computer when you visit many of the pages of the Site.  This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet service provider (e.g., Verizon, AT&T).  We use the non-personally identifiable information that we collect to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience.  We also may use this information in the aggregate to analyze usage of the Site Offerings.  

Cookies

When an end-user visits the Site, we send one (1) or more cookies and/or gif files (collectively, “Cookies”) to assign an anonymous, unique identifier to the applicable end-user’s computer and/or mobile device, as applicable.  A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you.  Cookies have many benefits to enhance your experience on the Site, as applicable.  To find out more about Cookies, please visit www.cookiecentral.com.  We use Cookies to improve the quality of the Site Offerings, including for storing end-user preferences and tracking Site usage (such as pages opened and length of stay at the Site, as applicable).

Most Internet browsers are initially set up to accept Cookies, but you can reset your browser to refuse all Cookies or to indicate when a Cookie is being sent.  To disable and reject certain Cookies, follow the instructions associated with your Internet browser.  Even in the case where an end-user rejects a Cookie, he or she may still use the Site Offerings; provided, however, that certain functions of the Site Offerings may be impaired or rendered inoperable if the use of Cookies is disabled.  We reserve the right to retain Cookie data indefinitely.

Behavioral Tracking

SkyBlue Card™ and its Third-Party Advertisers may use Cookies, pixels and other tracking technology (collectively, “Tracking Technology”) in connection with the Site for purposes of tracking end-users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site.  SkyBlue Card™ and its Third-Party Advertisers use this Tracking Technology to target applicable end-users with advertisements featuring SkyBlue Card™ products and services and third-party products and/or services that SkyBlue Card™ and/or its Third-Party Advertisers, as applicable, think may be of interest to applicable end-users.   

In general, end-users may be able to disable some, but not all, of this tracking activity by utilizing the “Do Not Track” setting or similar options within most major Internet browsers.  We do not honor or alter our behavior when an end-user has activated the “do-not-track” setting on her/his browser.  In addition, end-users may be able to opt-out of this form of tracking utilizing the options made available by the Network Advertising Initiative or Digital Advertising Alliance.  To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site.

Cross Device Tracking

SkyBlue Card™ tracks your use of the Site Offerings across various devices, including your personal computer and mobile device, in order to optimize and personalize your Site Offerings experience.  SkyBlue Card™ may collect certain of your personal information across various devices.  If you would like to opt-out of having your use of the Site Offerings tracked across multiple devices, please e-mail us at: info@skybluecard.com.  Please be advised that where you opt-out of having your use of the Site Offerings tracked across devices, you may need to upload certain information multiple times and/or input your log-in information multiple times.

Aggregate Data

SkyBlue Card™ reserves the right to transfer and/or sell aggregate or group data about end-users of the Site Offerings for lawful purposes.  Aggregate or group data is data that describes the demographics, usage and other characteristics of end-users as a group, without disclosing personally identifiable information.

Third-Party Links

The Site Offerings may contain links to other third-party owned and/or operated websites including, without limitation, websites owned and/or operated by our Third-Party Service Providers and/or Third-Party Advertisers. SkyBlue Card™ is not responsible for the privacy practices or the content of such websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number or banking information, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and SkyBlue Card™ has no responsibility or liability relating to them.

Opt-Out/Unsubscribe

[Please see our Provisions for California Residents below for instructions on how California Residents can opt-out of the sale of their personal information to third parties]

To stop receiving future communications from SkyBlue Card™, please unsubscribe. To unsubscribe from all SkyBlue Card™ e-mail lists, please unsubscribe.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for Site Offerings, as well as to respond to any inquiry or request made by you.  To opt-out of receiving Site Offerings-related and/or inquiry response-related messages from SkyBlue Card™, you must cease requesting and/or utilizing the Site Offerings and/or cease submitting inquiries to SkyBlue Card™, as applicable.

Deleting and Updating Your Information

[Please see our Provisions for California Residents below for instructions on how California Residents can access and/or delete personal information that we have collected]

At your request, we will: (a) inform you of what personal information we have on file for you; (b) amend the personal information that we have on file for you; and/or (c) remove personal information that you have provided to us, or that we have collected.  You may do so by e-mailing us at: info@skybluecard.com. 

We ask individual end-users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that deleting your personal information may terminate your access to certain of the Site Offerings.  If you wish to continue using the full complement of Site Offerings, you may not be able to delete all of the personal information that we have on file for you.

Please be further advised that, after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

Children’s Privacy

[Please see our Provisions for California Residents below for more details regarding the personal information of minors]

We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Security of Your Personal Information

We endeavor to safeguard and protect our end-users’ personal information.  When end-users make personal information available to us, their personal information is protected both online and offline (to the extent that we maintain any personal information offline).  Where our registration/application process prompts end-users to enter Sensitive Information, and when we store and transmit such sensitive information, that information is encrypted with advanced TLS (Transport Layer Security).

Access to your personal information is strictly limited, and we take reasonable security measures to ensure that your personal information is not accessible to the public.  All of our end-users’ personal information is restricted in our offices, as well as the offices of our third-party service providers.  Only employees or third-party agents who need end-user personal information to perform a specific job are granted access to end-user personal information.  Our employees are dedicated to ensuring the security and privacy of all end-user personal information.  Employees not adhering to our firm policies are subject to disciplinary action.  The servers that we store end-user personal information on are kept in a secure physical environment.  We also have security measures in place to protect the loss, misuse and alteration of personal information under our control. 

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet or via wireless networks can be guaranteed to be 100% secure.  Computer hackers that circumvent our security measures may gain access to certain portions of your personal information, and technological bugs, errors and glitches may cause inadvertent disclosures of your personal information; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law.  For the reasons mentioned above, we cannot warrant that your personal information will be absolutely secure.  Any transmission of data at or through the Site, other Site Offerings or otherwise via the Internet or wireless networks, is done at your own risk.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information.  You will be notified via e-mail in the event of such a breach.  Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Modifications to this Privacy Policy

SkyBlue Card™ reserves the right to change or update this Privacy Policy at any time by posting a notice on the Site that we are changing our Privacy Policy. If the manner in which we use personally identifiable information changes, SkyBlue Card™ will notify users by: (a) sending the modified policy to our users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law.  You will have a choice as to whether or not we use your information in this different manner, and we will only use your information in this different manner where you opt-in to such use.  

Transfer of Personal Information Internationally

If you are visiting the Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers.  Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy or the practices of SkyBlue Card™, please feel free to: (a) send email to: info@skybluecard.com; or (b) send us U.S. mail at: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

Filing a Complaint with the Federal Trade Commission

To file a complaint regarding our privacy practices, please click here.

 

Provisions for California Residents

These Provisions for California Residents (“Provisions”) supplement, and do not limit in any way, the Privacy Policy set forth above.  These Provisions apply solely to residents of the State of California (“CA Users”).  We adopt these Provisions in compliance with the California Consumer Privacy Act of 2018 (“CCPA”).  Any terms defined in the CCPA have the same meaning when used in these Provisions.  Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by emailing us at: info@skybluecard.com; or sending us U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular CA User or device (“personal information”). In particular, we have collected the following categories of personal information from CA Users within the last twelve (12) months:

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated CA User information.
• Information excluded from the CCPA's scope, such as:
• • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information listed above (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers’ license number; (k) state of issuing driver’s license; (l) your primary source of income; (m) your time at your current job; (n) your employer’s name; (o) your employer’s telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) your direct deposit; and (z) your Social Security Number) from the following categories of sources (with the specific categories of personal information indicated in parenthesis). Directly from our Users. For example, from online registration forms that our Users submit to us related to the products and/or services that we (and our third party service providers) offer by and through the Site. (Category A, B, C and I)

• Directly from our CA Users. For example, from online registration forms that our CA Users submit to us related to the products and/or services that we (and our third party service providers) offer by and through the Site. (Category A, B, C and I)
• Indirectly from our CA Users. For example, through information we collect from our CA Users in the course of providing our products and/or services to them. (Category A, B, C, F and I)
• Directly and indirectly from activity on the Site. This includes the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet Service Provider.  In addition, we obtain certain Site usage details and analytics as same are collected automatically by us and our third party partners. (Category F)
• From third-parties that interact with us in connection with the products and/or services that we offer to our CA Users. For example, third party entities that assist us in sending direct and electronic mail, removing duplicate information from CA User lists, analyzing data and providing marketing analysis. (Category A, B, C, F and I)
• From third-party data brokers or aggregators. (Category A, B, C and F)

Use of Personal Information

We may use or disclose the personal information that we collect (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers’ license number; (k) state of issuing driver’s license; (l) your primary source of income; (m) your time at your current job; (n) your employer’s name; (o) your employer’s telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) your direct deposit; and (z) your Social Security Number) for one or more of the following business purposes (with the specific categories of personal information indicated in parenthesis

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your request for information regarding your eligibility for loan related products and/or services, as well as information regarding the other products and/or services featured on the Site, we will use that personal information to better provide you with the requested information. (Category A, B, C and I)
• To enable the third-party lending service providers featured on the Site to conduct credit checks in connection with your request for loan-related products and/or services from those service providers. (Category A, B, C and I)
• To provide you with information, products or services that you request from us. (Category A, B, C, F and I)
• To create, maintain, customize and secure your account with us. (Category A, B, C, F and I)
• To provide you with e-mail, direct mail and telemarketing messages concerning certain Company products and/or services, as well as third-party products and/or services, that we believe may be of interest to you. (Category A, B, C, F and I)
• To deliver relevant Site content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you. (Category A, B, C, F and I)
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including the Site’s Terms and Conditions. (Category A, B, C, F and I)
• To improve the Site and better present its contents to you. (Category A, B, C, F and I)
• For customer service purposes and to respond to inquiries from you. (Category A, B and C)
• For testing, research, analysis and product development. (Category A, B, C, F and I)
• As necessary or appropriate to protect our rights, property or safety, and that of our clients or others. (Category A, B, C, F and I)
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. (Category A, B, C, F and I)
• As described to you when collecting your personal information or as otherwise set forth in the CCPA. (Category A, B, C, F and I)
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us is among the assets transferred. (Category A, B, C, F and I)

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you with notice.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share, rent and/or sell your personal information (with the specific categories of personal information indicated in parenthesis): (a) with/to third party providers of the loan-related products and services featured on the Sites (Category A, B, C, F and I); (b) with/to third parties for marketing purposes (Category A, B, C, F and I); and (c) for the other business purposes set forth above (Category A, B, C, F and I). 

When we disclose personal information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the personal information and requires that third party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract.  Please note, we do not collect information from CA Users that we actually know are less than eighteen (18) years of age and we do not share or sell the personal information of CA Users that we actually know are less than eighteen (18) years of age.  Without limiting the foregoing, we have not shared or sold the personal information of CA Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A:           Identifiers.
Category B:           California Customer Records personal information categories.
Category C:           Protected classification characteristics under California or federal law.
Category F:           Internet or other similar network activities.
Category I:            Professional or employment-related information.

We disclose your personal information (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers’ license number; (k) state of issuing driver’s license; (l) your primary source of income; (m) your time at your current job; (n) your employer’s name; (o) your employer’s telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) your direct deposit; and (z) your Social Security Number) for a business purpose to the following categories of third parties (with the specific categories of personal information indicated in parenthesis

• Our affiliates. (Category A, B, C, F and I)
• Service providers. (Category A, B, C, F and I)
• Third parties who provide the products and/or services featured on the Site. (Category A, B, C, F and I)
• Third parties who purchase and/or license your personal information for marketing purposes, including: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers.  If a third party purchaser of your personal information wants to resell it, that purchaser is required by law to provide you with explicit notice and an opportunity to opt-out of further sales. (Category A, B, C, F and I)
• Third parties to whom you authorize us to disclose your personal information in connection with the products and/or services that we provide to you. (Category A, B, C, F and I)

In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:

Category A:           Identifiers.
Category B:           California Customer Records personal information categories.
Category C:           Protected classification characteristics under California or federal law.
Category F:           Internet or other similar network activities.
Category I:            Professional or employment-related information.

In the preceding twelve (12) months, we have sold the above referenced categories of personal information to the third parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the products and/or services featured on the Site.

Your Rights and Choices

The CCPA provides CA Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Opt-Out from the Sale of Your Personal Information

You have the right to opt-out of our sale of your personal information to third parties.  To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable CA User request to us by either:

• Clicking here
• Emailing us at: info@skybluecard.com; or
• Sending us U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable CA User request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we have shared that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable User request, we will delete (and direct our service providers to delete) your personal information from our (their) records, unless an exception applies. 

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech rights, ensure the right of another CA User to exercise her/his free speech rights or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, and where previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with CA User expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability and Deletion Rights

To exercise your access, data portability and/or deletion rights described above, please submit a verifiable CA User request to us by either:

• Clicking here
• Emailing us at: info@skybluecard.com; or
• Sending us U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable CA User request related to your personal information.

You may only make a verifiable User request for access or data portability twice within a 12-month period. The verifiable CA User request must:

• Provide sufficient information that allows us to reasonably verify that you are: (1) the person about whom we collected personal information; or (2) an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.  Making a verifiable CA User request does not require you to create an account with us.  We will only use personal information provided in a verifiable CA User request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable CA User requests within forty-five (45) days of the receipt thereof.  If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing.  We will deliver our written response by mail or electronically, at your option.  Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request.  The response we provide will also explain the reasons we cannot comply with a request, if applicable.  For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable CA User request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services;
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
• Provide you a different level or quality of goods or services; and/or
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to these Provisions

We reserve the right to amend these Provisions in our discretion and at any time. When we make changes to these Provisions, we will notify you by email or through a notice on the Site’s homepage.

Contact Information

If you have any questions or comments about this Privacy Notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:

• Clicking here
• Emailing us at: info@skybluecard.com; or
• Sending us U.S. mail to: Account Services, 2045 W Grand Ave Ste B, PMB #23931, Chicago, IL 60612-1577.