Terms & Conditions

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Please read these terms and conditions carefully. Your use of this website and your transactions conducted with the sky financial in connection with this website are subject to the following “terms and conditions.” clicking onto web pages beyond the website’s homepage constitutes your acceptance of end agreement with the terms of use whether or not you complete a transaction with the company and whether or not you complete your transaction on the website or through other channels, such as by phone, by email, facsimile or otherwise. If you do not agree to the terms of use, you may not use this website.

Website Ownership

This website is owned an operated by Sky Financial Group, which is referred to as “Sky Financial” or “we” or “us” or “our.”

Permitted Use

You agree that:

  1. Your use of this website is subject to and governed by these Terms and Conditions;
  2. You will only access or use this website and transact business with us if you are at least 18 years old;
  3. You will comply with and be bound by these Terms and Conditions as they appear on this website each time you access and use this website;
  4. Each use of this website by you indicates and confirms your assent and agreement to be bound by these Terms and Conditions;
  5. These Terms and Conditions are a legally binding agreement between you and Sky Financial that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting consumer lending and finance related business with Sky Financial as a bona fide client of Sky Financial; you may not use or attempt to use this website or any part of this site for any purpose:

  • that interferes with or induces a breach of the contractual relationships between Sky Financial and its employees;
  • that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property;
  • that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications;
  • that transmits any harmful or disabling computer codes or viruses; that harvests Email addresses from this site;
  • that transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website;
  • that interferes with our network services or attempts to gain unauthorized access to our network services;
  • that impairs or limits our ability to operate this website or any other person’s ability to access and use this website; and/or
  • that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting consumer lending and financing related business with Sky Financial as a bona fide client of Sky Financial;
  • that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
  • that dilutes or depreciates the name and reputation of Sky Financial or any of its affiliates.

Use of Information and Materials

The information and materials contained in these pages and the Terms and Conditions and descriptions that appear are subject to change at any time and without notice to you.  Unauthorized use of Sky Financials’ websites and systems including but not limited to unauthorized entry into Sky Financials’ systems, misuse of passwords, misuse of any information posted on a site is strictly prohibited.  Not all products and services are available in all geographic areas.  Your eligibility for particular products and services is subject to final determination by Sky Financial and/or its affiliates.

Copyright and Trademarks

Copyright in the pages and in the screens displaying the pages, and in the information and material thereon and in their arrangement is owned by SkyFinancial unless otherwise indicated.

The Sky is the Limit and our logo design are trademarks and service marks of Sky Financial and are used and registered throughout the United States. Sky Financial and its subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.

You acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any web page content.  You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, modify, adapt, reverse engineer or frame in any other web page, any web page content on these pages.


You acknowledge and agree that all testimonials submitted to Sky Financial will become and remain our exclusive property, even if the provision of these Terms and Conditions are later modified or terminated.  This means that you irrevocably grant to Sky Financial the unrestricted right, now and in the future, without notice, compensation or other obligation to you or any other person, to use your statement, image, likeness, as they may be used, in any medium, in connection with any advertisement or for any other publicity purpose.  You further agree that Sky Financial may use any percentage of your testimonial, image, likeness and/or works in any way that it sees fit and may exclude your name or use a fictitious name herein.


This site may contain links to websites controlled by or offered by third parties and non-affiliates of sky financial. Sky financial hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this website. By creating a link to a third party website, sky financial does not endorse or recommend any products or services offered or information contained at that website, nor is sky financial liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of sky financial and the third party website may provide less security than the sky financial site.

User IDs and Passwords

Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify Sky Financial immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

Privacy and Security

For information on how Sky Financial uses and protects the personal information you may provide through this website, please visit our Privacy Policy.

Communications with Sky Financial

Please DO NOT USE this website, chat, or email to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing.  Such instructions may not be honored. All transactions conducted on this website, chat or via email must be confirmed by us in writing to be accepted and binding upon us.

Loan Approvals

All loan approvals, pre-qualifications, pre-approvals, and the like are only made by Sky Financial in writing.  Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as specifically provided for in writing and signed by Sky Financial.

Consumer Reports

By applying for credit, you authorize us to obtain consumer reports about you now or in the future as long as you owe us money. We may report information about your performance under any loan agreement to credit reporting agencies. Late payments, missed payments and defaults may be reported. This may negatively impact your ability to receive loans or advances from other companies or to write checks.

Telephone Calls and Text Messages Regarding Your Loan

You agree that we may monitor and/or record any of your phone conversations with any of our representatives. By providing us with your cell or mobile telephone number, you authorize us to contact you from time to time regarding your application and loan at that number using text messages. Standard text messaging and/or calling charges by your communications carrier may apply.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions which are in addition to these terms and conditions. Additionally, other products or services offered by Sky Financial, including those available through this site, may be subject to terms, conditions and disclaimers in addition to these Terms and Conditions.  You agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.  In the event of a conflict, the additional terms and conditions will govern for those sections or pages or products.

Agreement to Provide Accurate Information

In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current and complete information upon which Sky Financial may rely.

Your Cooperation Needed

Sky Financial generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information Sky Financial may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Sky Financial of any changes in any information submitted in connection with your application.

Reasonable Efforts

While Sky Financial will use all of its reasonable efforts to have your application fully processed on or before any anticipated closing date, some process are not under our control. For instance, Sky Financial cannot be responsible for delays in loan approval due to: the untimely receipt of required documentation or any other matters beyond Sky Financial’s reasonable control.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions or the use of this website shall be filed only in the state or federal courts located in Broward County, Florida, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.


You agree that if any provision of these Terms and Conditions shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms and Conditions and shall not affect the validity and enforceability of such other provisions.

Disclosures and Licenses

For disclosures and licensing information please visit our rates and disclosures page.