Privacy Policy

1. Scope and Applicability

This Privacy Policy applies to all personal information collected by SKYCASH ENTERPRISES LLC through our website at www.skycash.autos, our mobile applications, in-person interactions, telephone communications, email correspondence, and any other services or platforms operated by us. This policy governs data practices across all channels through which we interact with clients, prospective clients, website visitors, and business partners.

By accessing our website, submitting information through our forms, communicating with our team, or engaging our services in any capacity, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with any aspect of this policy, please discontinue use of our services and website.

This policy is incorporated into and forms part of our Terms of Service. Any capitalized terms not defined herein shall have the meaning ascribed to them in the Terms of Service.

2. Information We Collect

We collect several categories of personal information depending on the nature of your interaction with our services. The types of information we collect fall into three broad categories.

Information You Provide Directly

• Identity Verification Data: Full legal name, date of birth, Social Security number or other government-issued identification numbers, driver license number, and proof of identity documentation submitted for credit applications or account verification.
• Contact Details: Primary and secondary email addresses, telephone numbers (mobile and landline), current and previous residential addresses, and preferred communication methods.
• Employment Information: Current and previous employer names, job titles, length of employment, income verification documents (pay stubs, tax returns, W-2 forms), and self-reported income figures.
• Financial Profile: Banking institution names, account types, routing numbers, credit card information (for payment processing), existing debt obligations, monthly housing payment amounts, and other data relevant to creditworthiness assessments.
• Vehicle Interests: Preferred vehicle specifications including make, model, year, mileage range, color preferences, feature requirements, and budget parameters.
• Communication Content: The content of messages sent through our contact forms, emails, text messages, live chat sessions, and recorded telephone calls. By contacting us, you consent to the recording of calls for quality assurance and training purposes.
• Application Materials: Information submitted through financing applications, trade-in evaluation forms, credit pre-qualification requests, and any other service request documents.

Information Collected Automatically

When you visit our website or interact with our digital platforms, we automatically collect certain technical and behavioral data.

• Device Characteristics: Hardware model, operating system and version, unique device identifiers, device language settings, browser type and version, installed plugins, and screen dimensions.
• Network Information: Internet Protocol address, internet service provider name, network connection type and speed, and mobile carrier information.
• Usage Analytics: Pages viewed, features used, click patterns, scroll depth, time spent on individual pages, referring URLs, exit pages, search terms entered on our site, and frequency and duration of visits.
• Geographic Data: Approximate location derived from IP address, and with your explicit permission through browser prompts, precise geolocation data.
• Cookie Data: Data collected through first-party and third-party cookies, web beacons, pixel tags, local storage objects, and similar tracking technologies deployed on our website.
• Log Files: Server logs recording access requests, response codes, timestamps, data transferred, and the referring page for each request made to our servers.

Information Received from Third Parties

We supplement the information we collect directly with data obtained from external sources to enhance our services and verify accuracy.

• Credit Reporting Agencies: Credit scores, credit history reports, public records data, and fraud indicators obtained from Equifax, Experian, TransUnion, and other consumer reporting agencies, always with proper authorization as required by the Fair Credit Reporting Act.
• Identity Verification Services: Results of identity confirmation checks, OFAC sanctions list screenings, and fraud prevention database queries.
• Lending Partners: Information provided by banks, credit unions, captive finance companies, and other lending institutions that have interacted with you or received your application through our referral network.
• Automotive Industry Partners: Vehicle history reports, registration data, insurance information, and title documentation from dealerships, manufacturers, and automotive data providers.
• Public Records: Property records, court records, bankruptcy filings, lien records, and other publicly available information relevant to your financial profile.
• Business Partners: Information shared by marketing partners, lead generation services, and affiliate networks through which you may have been directed to our website.
• Social Media Platforms: If you interact with our social media pages or use social login features, we may receive profile information, public posts, and engagement data from those platforms.

3. How We Use Your Information

We use the personal information we collect for the following business and commercial purposes, each of which represents a lawful basis for processing under applicable data protection laws.

Core Service Delivery

• Application Processing: Submitting your financing applications to lending partners, coordinating credit checks, compiling application packages, and managing the approval process from submission through funding.
• Credit Assessment: Evaluating your creditworthiness, calculating debt-to-income ratios, reviewing credit history, and determining appropriate financing terms, rates, and products for which you qualify.
• Vehicle Sourcing: Searching dealer inventories, contacting sellers, arranging test drives, coordinating vehicle inspections, and facilitating the procurement process for vehicles matching your specifications.
• Transaction Facilitation: Processing payments, coordinating fund transfers, managing down payments and trade-in equity, preparing closing documentation, and liaising between all parties in the transaction chain.

Communication and Support

• Service Communications: Sending application status updates, approval notifications, document requests, transaction confirmations, and other communications necessary to deliver requested services.
• Customer Support: Responding to inquiries, troubleshooting issues, processing requests for account changes, and providing technical assistance related to our website or services.
• Appointment Coordination: Scheduling meetings, test drive appointments, document signing sessions, and follow-up calls related to your application or service engagement.

Marketing and Personalization

• Promotional Communications: With your explicit consent, sending emails, text messages, and direct mail about new products, services, special offers, financial product recommendations, and automotive industry news.
• Personalized Experience: Customizing website content, product recommendations, and service suggestions based on your browsing behavior, stated preferences, and past interactions with our platform.
• Advertising: Using aggregated and pseudonymized data to deliver targeted advertisements on third-party platforms including social media networks, search engines, and automotive listing sites.
• Retargeting: Employing retargeting technologies to display relevant advertisements to visitors who have previously engaged with our website.

Legal and Compliance

• Regulatory Compliance: Meeting obligations under the Gramm-Leach-Bliley Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, Truth in Lending Act, and other applicable federal and state financial regulations.
• Fraud Prevention: Monitoring transactions for suspicious activity, verifying identities, conducting risk assessments, and maintaining systems designed to detect and prevent financial fraud.
• Legal Process: Responding to subpoenas, court orders, law enforcement requests, and other legal processes that require disclosure of personal information.
• Record Keeping: Maintaining records as required by applicable law, including documentation of financing transactions, credit decisions, and consumer communications.

Business Operations

• Analytics and Improvement: Analyzing usage patterns, measuring service performance, identifying areas for improvement, testing new features, and optimizing the user experience.
• Training and Quality: Using recorded communications and interaction data to train staff, evaluate service quality, and improve our processes.
• Business Intelligence: Generating aggregated reports on market trends, customer demographics, service demand, and operational efficiency.

4. How We Share Your Information

We share personal information with third parties only as necessary to deliver our services, comply with legal obligations, or as otherwise described in this policy. We do not sell your personal information for monetary compensation.

Lending and Financial Partners

We transmit your application information, credit profile, and supporting documentation to banks, credit unions, manufacturer financing divisions, and independent finance companies to process your vehicle financing application. These partners may independently contact you regarding financing options.

Automotive Industry Partners

We share relevant information with franchised dealerships, independent dealers, private sellers, auction platforms, and vehicle sourcing services to locate, evaluate, and procure vehicles on your behalf.

Credit Bureaus and Reporting

We may request and receive credit reports from consumer reporting agencies. Additionally, we may furnish information about your account status and payment history to credit bureaus as permitted by law.

Service Vendors

We engage third-party service providers to perform specific functions on our behalf. These vendors are contractually bound to use your information solely for the purposes we specify and are required to maintain appropriate security measures. Current categories of service vendors include:

• Cloud hosting and data storage providers
• Customer relationship management platforms
• Email and SMS delivery services
• Payment processing companies
• Identity verification and fraud prevention services
• Document management and e-signature platforms
• Analytics and business intelligence tools
• Website testing and optimization platforms

Legal Disclosures

We may disclose your information when we believe in good faith that disclosure is necessary to comply with applicable law, regulation, or legal process, to protect our rights or property, to prevent imminent harm, or to respond to governmental requests.

Business Transactions

In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

With Your Consent

We may share your information with third parties when you have given us explicit, informed consent to do so, and for the specific purpose described at the time of consent.

5. Cookies and Tracking Technologies

Our website uses cookies, web beacons, pixels, local storage, and similar technologies to collect information, enhance your experience, and support our business operations.

Essential Cookies

These cookies are strictly necessary for the website to function properly. They enable core features such as page navigation, form submission, security authentication, and load balancing. Without these cookies, the website cannot operate correctly. You cannot opt out of essential cookies as they are required for basic functionality.

Performance Cookies

These cookies collect anonymous, aggregated information about how visitors use our website. They help us understand which pages are most visited, how users navigate between pages, and whether visitors encounter error messages. This data is used exclusively to improve website performance and user experience.

Functional Cookies

Functional cookies remember your choices and preferences to provide a more personalized experience. They may remember your preferred language, recently viewed vehicles, form autofill data, and display preferences. Disabling functional cookies may cause some features to behave unexpectedly.

Analytics Cookies

We use analytics services, including Google Analytics, to collect and analyze usage data. These services use cookies to track sessions, identify unique visitors, attribute traffic sources, and generate reports about website usage. Analytics data is collected in anonymized or pseudonymized form.

Advertising Cookies

We may use advertising cookies delivered by third-party platforms to measure the effectiveness of our marketing campaigns and to deliver personalized advertisements on other websites you visit. These cookies track your browsing activity across multiple sites to build a profile of your interests.

Managing Cookie Preferences

You can control and manage cookies through your browser settings. Most browsers allow you to block all cookies, allow only first-party cookies, block third-party cookies, or delete existing cookies. Please note that blocking or deleting cookies may impact your ability to use certain features of our website. To opt out of Google Analytics tracking, visit the Google Analytics Opt-Out page. To learn more about controlling advertising cookies, visit the Digital Advertising Alliance opt-out tool.

Do Not Track Signals

Some browsers send Do Not Track signals to websites. There is currently no universally accepted standard for how to respond to these signals. At this time, our website does not respond to Do Not Track browser settings. However, you can manage your tracking preferences through the cookie controls and opt-out mechanisms described in this section.

6. Data Security

We implement and maintain administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, destruction, use, modification, or disclosure. Our security program is built on industry best practices and includes the following measures.

Technical Safeguards

• Encryption: All data transmitted between your browser and our servers is encrypted using TLS 1.2 or higher. Sensitive data at rest, including Social Security numbers and financial account details, is encrypted using AES-256 encryption standards.
• Access Controls: Role-based access controls ensure that employees and contractors can access only the information necessary for their specific job functions. Multi-factor authentication is required for access to systems containing personal information.
• Network Security: Firewalls, intrusion detection systems, and continuous network monitoring protect our infrastructure from unauthorized access and cyberattacks.
• Vulnerability Management: Regular vulnerability scans and penetration tests are conducted to identify and remediate security weaknesses in our systems and applications.
• Secure Development: Our web applications follow secure coding practices and undergo security review prior to deployment.

Administrative Safeguards

• Policies and Procedures: Comprehensive information security policies govern the collection, use, storage, and disposition of personal information across our organization.
• Employee Training: All team members receive training on data protection, privacy awareness, phishing prevention, and proper handling of personal information upon hire and on an ongoing basis.
• Background Checks: Employees with access to personal information undergo background checks prior to receiving access credentials.
• Incident Response: We maintain a documented incident response plan that provides procedures for identifying, containing, investigating, and remediating security incidents.
• Vendor Oversight: Third-party service providers with access to personal information are required to meet security standards consistent with our own and are subject to periodic assessment.

Physical Safeguards

• Facility Access: Physical access to servers and data storage facilities is restricted to authorized personnel and monitored by security systems.
• Workstation Security: Workstations accessing personal information are configured with automatic screen locks, encrypted storage, and restricted USB access.
• Data Disposal: Physical media containing personal information is securely destroyed when no longer needed using methods consistent with NIST guidelines.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, as outlined in this policy, unless a longer retention period is required or permitted by law.

Active Service Period

While you maintain an active relationship with us or have an open application or ongoing service engagement, we retain the information necessary to provide those services and maintain the relationship.

Post-Service Retention

Following the conclusion of our service relationship, we continue to retain your personal information for additional periods as follows:

• Financial Records: Transaction records, financing documentation, and payment history are retained for a minimum of seven years to comply with federal and state financial regulations, tax requirements, and accounting standards.
• Credit Application Records: Credit applications and related decision documentation are retained for a minimum of 25 months to comply with the Fair Credit Reporting Act and Equal Credit Opportunity Act record-keeping requirements.
• Marketing Data: Information used for marketing purposes is retained until you unsubscribe or request deletion. Aggregate analytics data may be retained indefinitely in de-identified form.
• Communications: Records of communications are retained for a minimum of three years from the date of the communication to support dispute resolution and regulatory inquiries.
• Legal Holds: Information subject to litigation hold, regulatory investigation, or government inquiry will be retained beyond normal retention periods until the hold is released.

Deletion Practices

When personal information reaches the end of its retention period and is no longer subject to legal hold requirements, we destroy or de-identify it using methods appropriate to the sensitivity of the data and the media on which it is stored.

8. Your Rights and Choices

Depending on your state of residence and applicable law, you may have specific rights regarding your personal information. We are committed to honoring your privacy choices.

Universal Rights

All individuals whose data we process have the following rights regardless of jurisdiction:

• Right to Know: Request disclosure of the specific pieces of personal information we have collected about you, the categories of sources, the business or commercial purposes for collection, and the categories of third parties with whom we share your information.
• Right to Access: Request a copy of your personal information in a portable, readily usable format that allows you to transmit the information to another entity.
• Right to Correct: Request correction of inaccurate personal information that we maintain about you.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions provided by law.
• Right to Opt-Out of Sale: Opt out of the sale of your personal information. As stated in this policy, we do not sell personal information for monetary consideration.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

Marketing Preferences

• Email Marketing: You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any marketing email or by contacting us directly. Please allow up to ten business days for your opt-out request to take effect.
• SMS Marketing: You may opt out of text message marketing by replying STOP to any marketing text message or by contacting us directly. Message and data rates may apply for reply messages.
• Direct Mail: You may opt out of postal mail marketing by contacting us with your request and providing your full name and mailing address for identification.
• Targeted Advertising: You may opt out of targeted advertising by managing your cookie preferences and utilizing the opt-out tools provided by the Digital Advertising Alliance, Network Advertising Initiative, and the European Interactive Digital Advertising Alliance.

Exercising Your Rights

To exercise any of the rights described in this policy, please submit a request to us using the contact information provided in the Contact Us section. We may need to verify your identity before processing your request to protect against fraud. Verification may require you to provide additional information such as your full name, email address, and details about your prior interactions with our services. Authorized agents may submit requests on your behalf with your written permission and proper verification.

9. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act as amended by the California Privacy Rights Act.

Categories of Personal Information

Under the CCPA, we collect the following categories of personal information from California consumers:

• Identifiers: Name, address, email address, phone number, driver license number, Social Security number, passport number, and other similar identifiers.
• Customer Records: Financial information, employment information, insurance policy numbers, medical information (if relevant to insurance requirements), and signature.
• Protected Classifications: Age, gender, marital status, and other demographic information that may be collected as part of the financing process.
• Commercial Information: Records of products or services purchased, obtained, or considered, purchasing histories, and financing application details.
• Internet Activity: Browsing history, search history, interaction with websites, applications, and advertisements.
• Geolocation Data: Approximate physical location based on IP address and precise geolocation with permission.
• Sensory Data: Audio recordings of telephone calls for quality assurance purposes.
• Professional Information: Job title, employer details, and employment history.
• Inferences: Profiles reflecting preferences, characteristics, behavior, and attitudes drawn from the above categories.

CCPA Rights Available to California Residents

• Right to Know: Request information about the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collecting it, and the third parties with whom we share it.
• Right to Delete: Request deletion of your personal information, subject to certain legal exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sharing: Opt out of the sharing of your personal information for cross-context behavioral advertising.
• Right to Limit Use of Sensitive Personal Information: Request that we limit the use and disclosure of your sensitive personal information to uses necessary to perform services or provide goods.
• Right to Non-Discrimination: We will not deny goods or services, charge different prices, provide a different level of quality, or suggest that you will receive different treatment for exercising your rights.

Financial Incentives

We do not currently offer financial incentive programs that involve the collection, sale, or deletion of personal information. If we offer such programs in the future, we will provide proper notice and obtain opt-in consent as required by law.

10. Other State Privacy Rights

Residents of other states with comprehensive privacy laws may have similar rights. These states currently include Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Indiana, Tennessee, Delaware, New Hampshire, New Jersey, and others.

Rights Under State Privacy Laws

Depending on your state of residence, you may have the right to:

• Confirm whether we are processing your personal information
• Access your personal information in a portable format
• Correct inaccuracies in your personal information
• Delete your personal information
• Obtain a list of third parties to whom we have disclosed your information
• Opt out of targeted advertising
• Opt out of the sale of personal information
• Opt out of profiling that produces legal or similarly significant effects
• Appeal a denial of your privacy rights request

Utah Resident Notice

As a company headquartered in Utah, we comply with the Utah Consumer Privacy Act. Utah residents have the right to know what personal information we collect, the purposes for processing, the categories of third parties with whom we share information, and the right to opt out of targeted advertising and the sale of personal information.

11. International Data Transfers

SKYCASH ENTERPRISES LLC is a United States company and the personal information we collect is stored and processed within the United States. If you access our website or provide personal information from outside the United States, your information will be transferred to, stored in, and processed in the United States.

The data protection and privacy laws of the United States may differ from those in your country of residence. By providing personal information to us, you consent to the transfer of your information to the United States and the processing of that information as described in this Privacy Policy. We take steps to ensure that personal information received is treated securely and in accordance with this policy.

12. Children Privacy

Our services are not directed to individuals under the age of eighteen, and we do not knowingly collect personal information from minors. Vehicle financing services require applicants to be at least eighteen years of age to enter into a binding contract. If you believe we have inadvertently collected personal information from a minor, please contact us immediately using the information provided in the Contact Us section. Upon verification, we will promptly delete such information from our systems.

We do not knowingly sell or share the personal information of minors under the age of sixteen. We do not use the personal information of minors for targeted advertising purposes.

13. Third-Party Links and Services

Our website may contain links to third-party websites, applications, and services that are not owned or controlled by SKYCASH ENTERPRISES LLC. This Privacy Policy applies solely to information collected by us. We are not responsible for the privacy practices, content, or security of third-party websites.

Third-party services we may integrate with include analytics platforms, customer support tools, payment processors, advertising networks, and social media platforms. These third parties have their own privacy policies governing the information they collect. We encourage you to review the privacy policies of any third-party services you interact with through our website.

Inclusion of a link to a third-party website does not imply endorsement of that website or its practices by SKYCASH ENTERPRISES LLC.

14. Automated Decision-Making and Profiling

We use automated systems and algorithms as part of our service delivery, particularly in evaluating creditworthiness and routing applications to appropriate lending partners.

Credit decisions may involve automated processing that considers your credit score, debt-to-income ratio, employment history, and other relevant factors. Under the Fair Credit Reporting Act and Equal Credit Opportunity Act, if any adverse action is taken based in whole or in part on information obtained through automated processes, you have the right to receive notice of such action and to request the specific reasons for the decision.

You have the right not to be subject to a decision based solely on automated processing that produces legal effects or similarly significant effects concerning you. Where automated decision-making is employed, you may request human intervention, express your point of view, and contest the decision.

15. Data Breach Notification

In the event of a security breach involving your unencrypted personal information, we will comply with all applicable breach notification laws. Notification will be provided without unreasonable delay consistent with the needs of law enforcement or any measures necessary to determine the scope of the breach and restore system integrity.

Notifications will be made in writing and may be delivered by mail, email, telephone, or electronic posting on our website where permitted by law. Notifications will include the date of the breach, the type of information involved, steps you can take to protect yourself, and contact information for obtaining additional information.

We will also notify applicable regulatory authorities as required by law, including state attorneys general, the Federal Trade Commission, and other relevant bodies.

16. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the effective date at the top of this policy and post the revised version on our website.

For material changes that significantly affect how we handle your personal information, we will provide prominent notice through one or more of the following methods: posting a notice on our website homepage, sending an email to the address on file for active users, or requesting that you review and acknowledge the updated policy before continuing to use our services.

We encourage you to review this Privacy Policy periodically to stay informed about our data practices. Your continued use of our website and services after any changes to this policy constitutes your acceptance of the updated terms, except where additional consent is required by law.

17. Developer Information

This website and associated digital services for SKYCASH ENTERPRISES LLC have been developed and are maintained by Press Matador. Press Matador is responsible for the technical infrastructure, front-end and back-end development, security implementation, and ongoing digital maintenance of this platform.

Technical inquiries regarding website functionality, digital infrastructure, cybersecurity practices, or platform performance may be directed to the same contact information provided in the Contact Us section of this policy. Press Matador is committed to implementing and maintaining robust data protection measures aligned with the privacy standards described in this policy.

18. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, our data practices, or your rights, please contact us using the following information:

• Company: SKYCASH ENTERPRISES LLC
• Mailing Address: 10818 S Melissa Kaye Dr, Sandy, UT 84070-5278, US
• Email: support@skycash.autos
• Phone: +1 (940) 346-4209
• Website: www.skycash.autos

We will respond to all privacy-related inquiries within thirty days. Urgent requests or those involving potential security incidents will be prioritized for immediate attention.