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This Terms and Conditions of Use Agreement (the “Terms of Use”) is a legal agreement between you and SKYDAN Equity Partners, LLC. an Illinois corporation (together with its related, affiliated, or subsidiary companies, “SKYDAN Group”, “SKYDAN Equity”, “SEP”, “SKYDAN”, “we”, or “us”). This Site has been created to provide information about our company and our home equity marketplace and related services (together with the Site, the “Services”) to our Service visitors (“you”, “your”). This privacy policy describes how SKYDAN collects and uses the personal information you provide on our Site. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.


Your privacy and the protection of your sensitive personal information are important to us. Because we collect and/or store certain types of information from and about you, it is necessary to explain our policy and the terms and conditions surrounding the capture and use of that information. In addition to this Privacy Policy, you are subject to additional policies, such as our Terms of Use,  (collectively, the “SKYDAN Policies”), that may be posted on the Site from time to time. All terms from such SKYDAN Policies are hereby incorporated by reference. You also have certain rights under the Fair Housing Act.


If you have any questions, complaints or suggestions regarding our Privacy Policy or practices, please contact us at



The Services and our business may change from time to time. As a result, at times it may be necessary for SKYDAN to make changes to this Privacy Policy. SKYDAN reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.



When you interact with us through the Services, we may collect personal data and other information from you, as further described below:


Personal Data That You Provide Through the Services

We collect personally identifiable data, including financial information (“Personal Data”) from you when you voluntarily provide such information, such as when you contact us with inquiries, respond to one of our surveys, register for access to the Services, apply for a SKYDAN product or use certain Services. Most of the collection occurs when you register with the Site to apply for a SKYDAN product.


By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of SKYDAN and the authorized third parties referred to herein located in the United States.

We will retain your Personal Data as long as your account is active or as needed to provide you the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. SKYDAN may still need to keep certain personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing SKYDAN to use that customer’s personal details for marketing purposes. SKYDAN may keep records of any transaction a customer enters into on the Site for a minimum of seven years from the end of SKYDAN’s relationship with the customer. SKYDAN may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.


Other Information: Non-Identifiable Data

SKYDAN may gather End User’s data from financial institutions. By using our service, you grant SKYDAN the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed in accordance with the SKYDAN’s Privacy Policy.  If you choose to become a SKYDAN customer, SKYDAN may continue to access, transfer, and store your data for the duration of your agreement.


When you interact with SKYDAN through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. SKYDAN may store such information itself or such information may be included in databases owned and maintained by SKYDAN affiliates, agents or service providers. The Services may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, IP addresses, and the domain names of our visitors’ Internet service providers. It is important to note that no Personal Data is available or used in this process.

In operating the Services, we may use a technology called “cookies”. A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. SKYDAN or its service providers send cookies when you surf our Site or sites where SKYDAN ads appear, make purchases, request or personalize information, or register yourself for certain Services. Our cookies help provide additional functionality to the Services and help us analyze Services usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Site. In all cases in which we use cookies, we will not collect Personal Data except with your permission. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features; if cookies are not accepted, most features of our Site will not be available to you. SKYDAN does not store passwords or any other information about a visitor without a SKYDAN account in a cookie that would identify them, locate them, and determine their preferences or their financial activity.


Other Information: Aggregated Personal Data

In an ongoing effort to better understand and serve the users of the Services, SKYDAN often conducts research on its customer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and SKYDAN may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. SKYDAN may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.

We may allow third party service providers to use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Services. For example, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help the website analyze how users use the Site, including if users browse the Site across multiple devices such as a home computer and mobile device, and enhance your experience when you use the Service. Your continued use of the Site indicates your consent to our use of Google Analytics. If you wish to opt out from SKYDAN’s use of Google Analytics go to for instructions on installing the Google Analytics opt-out browser add-on. For more information on how Google uses this data, go to



SKYDAN uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to obtain access to the Services, we will use your Personal Data to provide you with access to such services and to monitor your use of such services. SKYDAN and its subsidiaries and affiliates (the “Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services. SKYDAN and its affiliates may use this information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each marketing communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us at If SKYDAN intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.



SKYDAN is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:

  • Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets.
  • Related Companies: We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy.
  • Agents, Consultants and Related Third Parties: SKYDAN, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
  • Legal Requirements: SKYDAN may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of SKYDAN, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.


You can visit the Site without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to use certain Services.



This Privacy Policy does not apply to any Personal Data collected by SKYDAN other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to SKYDAN through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, blogs, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and SKYDAN shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.



SKYDAN does not knowingly collect Personal Data from minors under the age of 18. If you are under the age of 18, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a minor under the age of 18 has provided Personal Data to SKYDAN through the Services, please contact us a, and we will endeavor to delete that information from our databases.



This Privacy Policy applies only to the Services. The Services may contain links to other web sites not operated or controlled by SKYDAN (the “Third Party Sites”). The policies and procedures we described here do not apply to the Third-Party Sites. The links from the Services do not imply that SKYDAN endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.



One of the special features we may offer with the Service is to enable you to log in to various social networking services like LinkedIn or Facebook (“Social Networking Service(s)”) via the Services. By directly integrating these services, we make your online experiences richer and more personalized. To take advantage of this feature, we will ask you to grant us permission via the relevant Social Networking Service. When you add a Social Networking Services account to the Service, we will collect relevant information necessary to enable the Service to access that Social Networking Service and your data contained within that Social Networking Service. As part of such integration, the Social Networking Service will provide us with access to certain information that you have provided to the Social Networking Service, and we will use, store and disclose such information in accordance with this Privacy Policy. However, please remember that the manner in which Social Networking Services use, store and disclose your information is governed by the policies of such third parties, and SKYDAN shall have no liability or responsibility for the privacy practices or other actions of any Social Networking Services that may be enabled within the Service.

You may also have the option of posting your Services activities to Social Networking Services when you access content through the Services (for example, you may post to Facebook that you performed an activity on the Service); you acknowledge that if you choose to use this feature, your friends, followers and subscribers on any Social Networking Services you have enabled will be able to view such activity.



Users may choose to refer friends to the Site via email.

If this referral occurs independently of our Site or a partner’s site, we do not track the referral other than as a unique page view. Since we do not collect any information from the referring party or the recipient of the external email referencing our site, we do not capture or store any information about either party. If friends refer each other to our Site, we will store and track information about the referring and receiving parties only long enough to determine the effectiveness of our marketing activities that contributed to the referral. Our users can also refer friends to the site by completing a simple form to generate an email invitation. In this case, the email invitations do not track back to any particular SKYDAN product request, and the sender will not know whether you are an applicant, investor or customer. The information collected in this process is only kept long enough to monitor whether the referral program is achieving the desired results in terms of attracting new visitors to the site and converting them into applicants. Again, these are messages initiated by friends of the recipients, and the recipients will not be added to any mailing list or contacted by SKYDAN apart from this referral process, which may include invitation reminders. In the case where a bonus is offered to a member in return for the referral, SKYDAN will only retain the information about the referred parties to properly credit the account of the member initiating the referral. The information is not used for any other purpose.

Your friend may contact us at to request that we remove this information from our database.



SKYDAN takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. All data entered into the SKYDAN site is encrypted using industry-standard 128-bit AES cipher and transported over secure TLS protocols. TLS allows sensitive information such as social security numbers to be transmitted securely. Your information is unreadable to anyone except SKYDAN. Additionally, SKYDAN does not store the login details of your linked accounts, such as usernames and passwords. No one at SKYDAN has access to the login details of your linked accounts.

Despite our efforts, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to SKYDAN via the Internet.


You can take several precautions to protect the security of your computer and Personal Data:

  • Use a unique password that you do not use for any other service,
  • Use a strong password, by avoiding using any information that others can easily learn about you, such as a family member’s name or birthday, and use special characters in place of letters,
  • Change your SKYDAN password frequently,
  • Do not share your SKYDAN password with anyone,
  • Restrict access to the email account you registered with on the Site,
  • Install and regularly update antivirus and firewall software to protect your computer from external attacks by malicious users,
  • Do not log onto your SKYDAN account in public areas where the internet is unsecured,
  • Logout and close the browser window when you are finished with a session on the Site.


Your access to and use of the Services is subject to the Terms of Use.


To keep your Personal Data accurate, current, and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services. Please also feel free to contact us if you have any questions about SKYDAN’s Privacy Policy or the information practices of the Services at