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Skyview 1, Inc. (“Skyview 1” or “us” or “our” or “we”) is a financial technology company who offers bank services through your “Financial Services Provider”. Skyview 1 is not a bank. Banking Services provided by Grasshopper Bank, N.A., member FDIC.
This Privacy Policy (“Policy”) applies to the online platform (“Platform”) owned and operated by Skyview 1. The Platform allows you to provide information that Skyview 1 and your Financial Services Provider need to offer financial services to you. “You” and “your” refer to you and/or any person who accesses or uses the Platform on your behalf, including an authorized signer, authorized representative, delegate, co-applicant and/or other authorized Platform user, including your Financial Advisor. This Policy describes and governs the information collection, use, and disclosure practices of Skyview 1 with respect to the Platform.
Before you use or submit any information on or through the Platform, please carefully review this Policy. Skyview 1 will continue to evaluate this Policy as we update and expand the Platform and our offerings, and we may make changes to the Policy accordingly. Any changes will be incorporated into this Policy and posted on the Platform. Your continued use of the Platform will signify acknowledgment of the terms of the Policy including any updates. The most current version of the Policy that applies to your use of the Platform will be available to you by navigating to the menu in the upper right corner of the mobile application.
If you are using the Platform to apply jointly with another person for a loan or other financial services product, you and your co-applicant may be required to provide information using a single application or you may have the option to use multiple individual Platform account(s). When using a single application, the joint applicants will have access to all information supplied by each other to complete that application. Such joint applicants will have the ability to view, print, transmit, save, and/or edit the information. While Skyview 1 takes reasonable efforts to keep personal information separate between joint applicants, all types of joint applicants should expect that certain personal information may be disclosed between both applicants. The type of personal information disclosed between joint applicants may depend on the practices of your Financial Services Provider.
We collect information directly from you, third parties you authorize, or publicly available information. The extent of information Skyview 1 collects depends on the data collection practices of your Financial Services Provider and the products and services sought. The information in this disclosure is based on our current data collection practices. The following is a list of categories of information we may collect:
Skyview 1 collects information in multiple ways, including when you provide information directly to us, when we passively collect information from your browser or device, and when we obtain information from third parties as indicated in this Policy.
Skyview 1 may collect information from you during your use of or access to the Platform, such as when you register for a Skyview 1 Platform account, enter information in the Platform or communicate with us, or when connecting your third-party accounts to retrieve your information.
Device/usage information: Skyview 1 may automatically collect certain information about the computer or devices (including mobile devices or tablets) you use to access the Platform. We may collect and analyze information such as (a) IP addresses, unique device identifiers, unique personal identifiers, and other information about your computer or device(s), browser types, browser language, operating system, mobile device carrier information, and the location from which you accessed the Platform; and (b) information related to the ways in which you interact with the Platform, such as mouse movements and scrolling, referring and exit web pages and URLs, platform type, number of clicks, domain names, landing pages, pages and content viewed and the order of those pages, statistical information about the use of the Platform, amount of time spent on particular pages, date and time you used the Platform, frequency of your use of the Platform, error logs, and other similar information. As described further below, we may use third-party analytics providers and technologies, including cookies and similar tools, to assist in collecting this information.
Cookies and Other Electronic Technologies: We may also collect data about your use of the Platform through the use of internet server logs, cookies, and/or tracking pixels. An internet server log is a file where website activity is stored. A cookie is a small text file that is placed on your computer when you visit a website that enables us only to: (i) recognize your computer; (ii) store your preferences and settings; (iii) understand the web pages of the Platform you have visited; (iv) enable your user experience in the Platform; (v) perform searches and analytics; and (vi) assist with security administrative functions. Some cookies are placed in your browser cache. Tracking pixels (sometimes referred to as web beacons or clear GIFs) are tiny electronic tags with a unique identifier that are embedded in websites, online ads, and/or email and are designed to provide usage information like page clicks, measure popularity of the Platform and associated content, and access user cookies. We may update this Policy from time to time as we adopt new technologies to gather additional information through other methods.
Blocking cookies through your browser settings: Please note that you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser (e.g., Microsoft Edge; Google Chrome; Mozilla Firefox; or Apple Safari) for more information. Please note that by blocking any or all cookies, you may not have access to certain features or offerings of the Platform.
Skyview 1 may also obtain information about you from third parties such as other financial institutions with which you have a relationship, third-party data provider partners (see below), and credit reporting agencies, among others. These third parties provide data, products, and services that enable us to provide the services you have requested through the Platform.
Skyview 1 may use the information we collect from and about you for the following purposes:
Skyview 1 may also collect, use, and disclose your information in an anonymized, aggregated, and de-identified form (that does not identify you personally) for our business purposes.
Online and Email Analytics: Skyview 1 may use third-party web analytics services on the Platform, such as those of Google Analytics. These service providers use the sort of technology previously described in the “Cookies and Other Electronic Technologies” section to collect information (including your IP address) to help us analyze how users use the Platform, including by noting the third-party website from which you arrive, improving and developing the Platform, monitoring and analyzing use of the Platform, aiding our technical administration, assisting in our troubleshooting and customer support efforts, and verifying that users have the authorization needed for us to process their requests. To prevent Google Analytics from using your information for analytics, you may install the Google Analytics Opt-out Browser Add-on. If you get a new computer, install a new browser, erase or otherwise alter your browser’s cookie file (including upgrading certain browsers), you may clear the Google Analytics opt-out cookies, and you will need to re-visit the relevant opt-out page. If you receive email communication from us, we may use certain tools, such as clear GIFs, to capture data such as when you open our message or click on any links or banners our email contains.
Notice Concerning Do Not Track Signals: Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. We are committed to providing you with meaningful choices about the information collected on the Platform for third-party purposes, and that is why we provide choices provided by Google Analytics. However, we do not recognize or respond to browser initiated DNT signals, as the internet industry is currently still working toward defining exactly what “DNT” means, what it means to comply with DNT, and a common approach to responding to DNT. You can learn more about DNT at All About Do Not Track.
We may disclose your information to the following categories of parties as described in this section. We base the information in this section on our current data disclosure practices.
With your authorization we will use an identity verification partner, First Mile Group Inc. b.d.a. Alloy, to assist in obtaining and storing information to verify your identity upon opening an account at your request. We then disclose this information to your Financial Services Provider for the purpose of completing your application and opening your account. We share your personal and account information with your participating Skyview 1 Financial Advisor. Your Financial Advisor may initiate account changes and transactions at your request, and for your approval. None of the data provider partners or Financial Advisors in use by Skyview 1 sell your personal information to third parties.
We have implemented administrative, technical, and physical security measures to protect against the loss, misuse, and/or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect and store. For example, we store usernames, passwords, and other log-in information in encrypted form. However, we cannot and do not guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information because despite our efforts, no internet and/or other electronic transmissions can be completely secure.
You may be able to add, update, or edit certain information while using the Platform. When you update information, however, we may maintain a copy of the unrevised information in our records to the extent necessary for legal compliance purposes and where permitted by applicable law. Any information that cannot be updated or edited through the Platform will require you to contact your Financial Services Provider for further assistance. Additionally, to the extent applicable law affords you rights regarding personal information held by your Financial Services Provider, such as access and deletion rights, please reach out to your Financial Services Provider to inquire about your data rights.
This section of the Policy applies solely to those individuals who reside in the State of California (“consumers” or “you”). We are providing this section in compliance with the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), and other applicable California privacy laws. Any terms used in this section that are not defined in the Policy itself have the same definition as used in the CCPA/CPRA, and its implementing regulations.
Skyview 1 is a Service Provider as defined by the CCPA/CPRA and we process your information on behalf of your Financial Services Provider. To the extent California law allows you to make certain requests, including requests to access, correct, limit or delete personal information or sensitive personal information, you must make these requests directly to your Financial Services Provider.
You have a right to know what personal information is being collected about you. This includes the following: the categories of personal information collected; the categories of sources of that information; the business or commercial purpose for collecting, selling, or sharing personal information; the categories of third parties to whom the business discloses personal information; the specific pieces of personal information collected; and, to the extent applicable, the categories of personal information sold or shared (and to which categories of third parties) and the categories of personal information disclosed for a business purpose (and to which categories of persons). However, this “right to know” is subject to certain exceptions. To submit an access request, please reach out to your Financial Services Provider.
You have a right to request deletion of personal information collected about you. However, this “right to delete” is subject to certain exceptions. To submit a deletion request, please reach out to your Financial Services Provider.
You have a right to request correction of inaccurate information about you. However, this “right to correct” is subject to certain exceptions. To submit a correction request, please reach out to your Financial Services Provider.
You have a right to limit the use or disclosure of sensitive personal information that is collected or processed with the purpose of inferring characteristics about you. However, this “right to limit” is subject to certain exceptions. To submit a limit request, please reach out to your Financial Services Provider.
While the CCPA/CPRA provides California residents with the right to opt out of the “sale” or “sharing” of their personal information (subject to certain exceptions), Skyview 1 does not “sell” or “share” your personal information or sensitive personal information, as those terms are defined under the CCPA/CPRA, and its implementing regulations.
When a consumer uses an authorized agent to submit a request to know, delete, correct or limit, a business may require that the consumer do the following (this does not apply when a consumer has provided the authorized agent with power of attorney pursuant to Probate Code sections 4000 to 4465):
A business may deny a request from an authorized agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
To make an authorized request on behalf of another pursuant to consumer rights provided by California Law, please reach out to your Financial Services Provider for instructions.
Financial Incentives
Skyview 1 does not offer financial incentives for the collection of your data.
Right of No Retaliation
You have the right to not be discriminated against for exercising your rights under the CCPA/CPRA.
How other data privacy laws may affect your ability to request access to, or delete, your data
Please note that your rights and choices regarding your personal information are often subject to other laws. Personal information collected pursuant to other laws, such as information governed by the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, and the California Financial Information Privacy Act, may be exempt from CCPA/CPRA requests to access or delete data.
Contact us
If you have any questions regarding your rights under California law, you may reach out to us at privacy@skyview1.com or contact your Financial Services Provider.
The Platform may contain links to or “frame” third-party websites, applications, and other services available to support Platform operations and functionality. Please be aware that we are not responsible for the privacy practices of such other sites and services. We encourage our users to be aware when they access third-party websites and/or leave the Platform and to read the privacy statements of each and every site they visit that collects their information.
We do not knowingly collect or solicit personal information (as defined by the “Children’s Online Privacy Protection Act”) from anyone under the age of 13. If you are under 13, please do not attempt to send any personal information about yourself to us. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact privacy@skyview1.com.
Skyview 1 keeps your information in identifiable form for no longer than necessary to provide services to your Financial Services Provider. The length of time for which we retain information depends on the purposes for which we collect and use it and/or as required to comply with applicable laws. We may, if necessary, retain some of the information for compliance with applicable banking regulations, fraud prevention and identity verification, resolving disputes, and enforcing our agreements. Skyview 1 may also continue to use any aggregated or de-identified information but not in a manner that would identify you personally. Skyview 1’s service providers who conduct fraud prevention and identity verification services may retain your information for future fraud mitigation.
If you have any questions or concerns regarding our Privacy Policy, please send us a detailed message to privacy@skyview1.com and we will try to resolve your concerns. If you have any questions about your Financial Service Provider’s privacy policy or practices, please contact them directly.
Skyview 1, Inc.
294 Grove Lane East, Suite 120
Wayzata, MN 55391
