1. Program Overview

Skyline Lending LLC ("we," "us," "our") offers an SMS text messaging program to provide existing borrowers with transactional updates related to their active mortgage loan files. This program is operated by Skyline Lending LLC (NMLS #2386002), located at 145 Drennen Rd, Orlando, FL 32806.

This SMS program is used exclusively for servicing and transactional communications. We do not use SMS messaging for marketing, advertising, promotional offers, lead generation, or cold outreach of any kind.

2. Message Types

By opting in, you may receive the following types of text messages:

• Loan application status updates (e.g., moved to underwriting, approved, cleared to close)
• Document requests and submission reminders
• Appointment and closing date reminders
• Account and payment notifications for serviced loans
• Customer service responses to your inquiries

3. Consent and Opt-In

Your consent to receive SMS messages from Skyline Lending LLC is collected through a standalone opt-in process that is completely separate from your loan application, loan agreement, or any other contractual agreement with Skyline Lending LLC.

Consent to receive text messages is NOT required as a condition to obtain a mortgage, receive loan approval, or access any product or service from Skyline Lending LLC.

You may opt in to receive SMS messages by completing the opt-in form on this website or by providing separate verbal consent to a Skyline Lending LLC representative during servicing of your loan. In all cases, your consent to receive text messages is obtained independently from any other agreement.

4. Message Frequency

Message frequency varies based on your loan activity and status. You may receive multiple messages during active stages of your loan process (such as underwriting or closing preparation) and fewer messages during inactive periods. You will not receive more messages than are necessary to keep you informed about your loan status.

5. Message and Data Rates

Message and data rates may apply depending on your mobile carrier and plan. Skyline Lending LLC is not responsible for any charges incurred from your mobile carrier for receiving text messages.

6. How to Opt Out

You may opt out of receiving SMS messages at any time by replying STOP to any text message received from Skyline Lending LLC. After sending STOP, you will receive one final confirmation message, and no further messages will be sent to your mobile number unless you re-enroll.

Opting out of SMS messages will not affect your loan application, loan terms, or any services provided by Skyline Lending LLC.

7. Help and Support

For assistance with our SMS program, you may:

• Reply HELP to any text message from Skyline Lending LLC
• Call us at (407) 663-4743
• Visit our website at skylinelendinggroup.com

8. Privacy and Data Sharing

We do not sell, rent, loan, trade, lease, or otherwise transfer for profit any phone numbers or personal information collected through our SMS opt-in process to any third party.

SMS opt-in data and consent information will not be shared with any third parties or affiliates for marketing or promotional purposes.

Information collected as part of this SMS program is used solely to facilitate transactional communications related to your active loan file with Skyline Lending LLC.

For full details on how we handle personal information, please see our Privacy Policy.

9. Supported Carriers

Our SMS program is supported on all major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.

10. Program Modifications

Skyline Lending LLC reserves the right to modify or discontinue the SMS messaging program at any time. If material changes are made to these terms, updated terms will be posted on this page with a revised "Last updated" date.

11. Contact Information

Skyline Lending LLC
NMLS #2386002
145 Drennen Rd, Orlando, FL 32806
Phone: (407) 663-4743
Website: skylinelendinggroup.com

1. Introduction

Skyline Lending LLC ("we," "us," "our") is committed to protecting the privacy of our borrowers and website visitors. This Privacy Policy describes how we collect, use, and safeguard personal information in connection with our mortgage lending services and our SMS text messaging program. Skyline Lending LLC operates under NMLS #2386002 and is located at 145 Drennen Rd, Orlando, FL 32806.

2. Information We Collect

We may collect the following types of information:

• Personal identification information: Name, email address, phone number, mailing address
• Loan-related information: Information provided as part of a mortgage loan application or servicing of an existing loan
• Mobile phone number: When you opt in to our SMS messaging program through our standalone opt-in form
• SMS consent records: Records of your opt-in consent, opt-out requests, and messaging preferences
• Website usage data: Browser type, IP address, pages visited, and other standard analytics data

3. How We Use Your Information

We use the information we collect for the following purposes:

• Processing and servicing your mortgage loan application
• Sending transactional SMS text messages about your loan status (only with your separate, standalone consent)
• Responding to your inquiries and providing customer support
• Complying with legal and regulatory requirements applicable to mortgage lending
• Improving our website and services

4. SMS/Text Messaging Privacy

We do not sell, rent, loan, trade, lease, or otherwise transfer for profit any phone numbers or personal information collected through our SMS opt-in process to any third party for any purpose.

SMS opt-in data and consent information will not be shared with any third parties or affiliates for marketing or promotional purposes.

Mobile phone numbers collected through our SMS opt-in process are used exclusively to send transactional text messages related to your active loan file with Skyline Lending LLC. Your mobile information is never shared with, sold to, or disclosed to any outside parties, affiliates, or marketing partners.

Information collected as part of our SMS program includes:

• Your mobile phone number
• Your opt-in consent status and date
• Records of messages sent and received
• Opt-out requests

This information is stored securely and is accessible only to authorized Skyline Lending LLC personnel who require it to operate the SMS messaging program and service your loan.

5. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share personal information only in the following limited circumstances:

• Service providers: With third-party vendors who assist us in operating our business (e.g., our SMS messaging platform provider), subject to contractual obligations to protect your data and use it only for the services they provide to us
• Legal requirements: When required by law, regulation, legal process, or governmental request
• Loan processing: With parties involved in processing your mortgage loan as required by applicable regulations (e.g., underwriters, title companies, appraisers), which is separate from and unrelated to our SMS messaging program

Under no circumstances is SMS opt-in data, mobile phone numbers, or messaging consent information shared with third parties or affiliates for their own marketing or promotional use.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your Rights and Choices

You have the following rights regarding your information:

• SMS Opt-Out: You may stop receiving text messages at any time by replying STOP to any message. Your opt-out will be processed immediately.
• Access and Correction: You may request access to or correction of your personal information by contacting us.
• Data Deletion: You may request deletion of your SMS opt-in data by contacting us directly.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Skyline Lending LLC
NMLS #2386002
145 Drennen Rd, Orlando, FL 32806
Phone: (407) 663-4743
Email: [email protected]
Website: skylinelendinggroup.com