Política de privacidad
DISCLOSURES
In accordance with the Equal Credit Opportunity Act, Sky 18 Capital, LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.
Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Sky 18 Capital, LLC, 7300 Biscayne Blvd, 200, Miami, FL 33138.
LICENSES
Sky 18 Capital, LLC, supports Equal Housing Opportunity. NMLS ID# 1725150 (www.nmlsconsumeraccess.org) | 877-314-1499. Sky 18 Capital, LLC is licensed by the State of Florida. Florida Lender License #:
SECURITY AND PRIVACY
Effective Date November 1st, 2019
By using our website, you are consenting to the use of information and agreeing to these guidelines and the other Sky 18 Capital, LLC policies described on our website.
Sky 18 Capital, LLC does not share your personal information with outside companies for their promotional use without your consent.
Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don't knowingly attempt to solicit or receive any information from children.
NOTICE OF OUR WEBSITE INFORMATION PRACTICES
To adequately be able to provide you our services, we may request information form you when you visit our websites. Sky 18 Capital, LLC does not share your personal information with outside companies for their promotional use.
We protect your identity and credit. Credit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive Email or phone calls that you didn't ask for, offering credit cards, refinancing or other loan products.
You can stop these calls and Emails by opting out of these prescreened credit offers. Simply call (888) 567-8688 or visit www.optoutprescreen.com.
Tools, Applications and Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.
However, if you want to exercise one or more of the loan options presented, we will ask you to register at the site and supply other identifying and supporting information needed to process your application.
By registering, you can save information such as loan interviews and applications for later review and update. When you register, you select a member ID name by which we will know you, choose a password and provide us an Email address. You use the member ID name and password to gain access to your loan application information, financial profile and/or customized rates. We use your contact information to provide you with alerts and updates regarding your loan status, which is part of Sky 18 Capital, LLC service. Sky 18 Capital, LLC does not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by Federal Management Capital. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an Email and phone call to alex@sky18capital.com, (786) 354-8499 and moises@sky18capital.com, (786) 280-9669.
We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.
Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
Newsletters: We provide you the opportunity to subscribe to Email newsletters and other Email communications. You may unsubscribe by following the instructions provided in each Email newsletter.
Interactive Help (Chat / PC to Phone): You may initiate an online interactive discussion or PC to Phone communication with a Sky 18 Capital, LLC support professional to facilitate the completion of your loan application. We do not ask for any personally identifiable information to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request. We maintain transcripts of chat sessions.
Contests, Sweepstakes, and Surveys: From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.
Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our website, we may collect information that my include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to Sky 18 Capital, LLC obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on Sky 18 Capital, LLC websites and use that information as described in this policy.
E-mail Message Formatting: When sending you Email we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer's capabilities, and (2) determine whether you've opened an HTML Email. When you click on a link within an Email message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our Email messages and to determine which links are most useful to our client base.
Shared Information: Sky 18 Capital, LLC we may exchange customer information to fulfill your requests or to provide you with information about other products or services, if you have chosen to receive such communications.
Service Providers: In some cases, we will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
Service Alerts and Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
Change of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Federal Management Capital. You will have the opportunity to opt out of further secondary use of your information following any change of control.
Changes to Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to Sky 18 Capital, LLC website 30 days before they take effect.
Legal Disclosures: In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
WE WORK TO PROTECT PERSONALLY IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, OR UNAUTHOTIRZED ALTERATION.
WEB TECHNOLOGIES
Behavioral Advertising: Please be aware that we use third party advertising companies to collect non- personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers.
Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.
Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an Email and phone call to alex@sky18capital.com, (786) 354-8499 and moises@sky18capital.com, (786) 280-9669.
We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
Social Media and Third-Party Website Security and Privacy Policies: Sky 18 Capital, LLC currently has presence on social media to connect with and market to the public, Sky 18 Capital, LLC customers, and potential customers of the Federal Management Capital’ family. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third- party website or application to match your preferences. The information posted on or directed at Sky 18 Capital, LLC through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.
Browser “Do Not Track” and Other Settings: You may be using an Internet browser that has the ability to communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, Sky 18 Capital, LLC websites do not respond to any of these signals. Sky 18 Capital, LLC may track your activity on these websites and use that information as provided in this policy.
CHOICES ARE PROVIDED TO YOU ON HOW YOUR PERSONALLY IDENTIFIABLE INFORMATION THAT YOU PROVIDE MAY BE USED.
We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about Sky 18 Capital, LLC products. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may send an Email and call alex@sky18capital.com, (786) 354-8499 and moises@sky18capital.com, (786) 280-9669.
WE PROVIDE YOU THE OPPORTUNITY TO UPDATE OR CORRECT YOUR PERSONALLY IDENTIFIABLE INFORMATION.
We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting us at alex@sky18capital.com, (786) 354-8499 and moises@sky18capital.com, (786) 280-9669.
Sky 18 Capital, LLC recommends that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly.
Questions regarding Sky 18 Capital, LLC website's privacy statement, our online privacy policy, our information practices or other aspects of privacy on our websites, should be directed to us by Email and phone to alex@sky18capital.com, (786) 354-8499 and moises@sky18capital.com, (786) 280-9669.