Privacy Policy

Sky Financial customers have the opportunity to make choices about how their personal information may be shared. As you consider this, we encourage you to make choices that enable us to provide you with the quality products and services that help to meet your financial needs and objectives. The security of your personal information is our priority. We protect this information by maintaining physical, electronic and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services to us, we require them to protect the confidentiality of personal information they receive.

We collect Personally Identifiable Information (“PII”) and non-personally identifiable information (“NPI”) about our customers and Website visitors from your Application, any agreement you enter into with us and otherwise that you provide to us that can identify you, such as your name, e-mail address, Social Security Number, your bank information, your financial information, your Internet service provider and IP address, and information you provide us about other people. We use your PII and NPI to provide you our products and services, quality assurance, to contact you and provide you with offers or information. We share your PII and NPI with our affiliates, subsidiaries and divisions. We reserve the right to retain PII and NPI for as long as required by applicable law, for disclosure to authorized subscribers in accordance with applicable law, and upon request by law enforcement, as required by law or when it is believed that disclosure is necessary to protect rights and/or to comply with a judicial proceeding, court order or legal process.

You consent and agree that we may share with our vendors, including but not limited to consumer and/or credit reporting agencies, your submitted information to: offer and review you credit, verify your identity, background or protect against or identify possible fraud via internal and/or third party databases; provide you with customer support; match you with financial institutions or other entities that may wish to offer products or services to you; communicate with you via e-mail, postal mail, phone, text and/or mobile devices about products or services that may be of interest to you; develop and display content, services or targeted advertisements tailored to your interests on our Website; permit credit reporting vendors to store and process your information in the United States or any other country in which facilities are maintained, and by using the Website, you consent to any such transfer of information outside of your country; incorporate your information into our vendor’s credit reporting system for use in accordance with applicable law and pursuant to your consent provided in this Agreement; and make your information accessible through such credit reporting system pursuant to applicable law by both authorized subscribers and by you. We shall have no obligation or responsibility to return any submitted information to you or act upon any instructions from you regarding your information except as expressly set forth hereunder or required by applicable law. If we learn of inaccurately submitted information, we reserve the right to update or instruct our vendors to remove such from their credit reporting system.

If you do not want us or our vendors to use, retain and/or disclose your information as set forth herein, you may opt out by not accessing this Website or providing us with information. If you do not wish to receive promotional and similar communications from us or our vendors to which we may disclose your information, and which we believe may interest you, you may opt out by sending an email to the email address listed on the Website.

COOKIES AND OTHER TRACKING TECHNOLOGIES

You browse our site or view one of our emails, or advertisements, Sky Financial and companies we work with, use Flash objects, cookies, web beacons and/or pixel tags to collect device information and store your online preferences, but they do not capture any information that can be used to personally identify you. The information they gather helps us improve your online experience and may include: (1) your response to one of our emails or advertisements; (2) time and duration of your visit to our site; and (3) pages you viewed while on our site.

You can control whether to accept cookies or not. If you decide to not accept cookies, some features and services on our site may not work properly because we may not be able to recognize and associate you with your Sky Financial account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests. If you would prefer not to accept cookies, you can: Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; or Set your browser to automatically not accept any cookies.

Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to delete Flash objects from our sites, then you may not be able to access and use all or part of the sites or benefit from the information and services offered.

ONLINE PRIVACY STATEMENT

What does Sky Financial Do with your personal information?

Why?

Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing.This notice tells you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and checking account information
  • Payment history and income
  • Employment information and wire transfer instructions
How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reason Sky Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Sky Financial share? Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

We do not share

For our affiliates’ everyday business purposes—information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes—information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

We do not share

To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice. However, you can contact us at any time to limit our sharing.

What we do

How does Sky Financial protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.

How does Sky Financial collect my personal information?

We collect your personal information, for example, when you:

  • Apply for a loan
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing?

You have the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
  • Provide account information
  • Provide employment information

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Sky Financial does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Sky Financial does not jointly market.

NOTICE OF CHANGES

From time to time, we may change this Online Privacy Statement. The effective date of this statement, as indicated below, shows the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

EFFECTIVE DATE: March 13, 2017