Privacy Policy for Sky Management Enterprise

Effective Date: October 3, 2025

At Sky Management Enterprise ("we," "us," or "our"), a Wyoming-based limited liability company, we are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy describes how we collect, use, disclose, store, and protect your information when you visit our website (skymanagemententerprise.org), use our services (including but not limited to DIY Second-Chance Rental Service, Forex & Bitcoin Trading Education Service, Credit Coach Service, Tenant Screening & Rental Reports Services, Business Credit & Funding Strategy Service, Full Subleasing Service, and referrals to partners like ROK Financial), or otherwise interact with us. By accessing our site or services, you consent to the practices outlined here, including those in our partnership agreements (e.g., with ROK Financial).

This policy complies with applicable laws, including the California Consumer Privacy Act (CCPA/CPRA) for eligible residents, the General Data Protection Regulation (GDPR) for EU users where applicable, and the Fair Credit Reporting Act (FCRA). We do not sell your personal information.

Information We Collect We collect information to provide and improve our services. Categories include:

  • Personal Identifiers: Name, email address, phone number, mailing address, date of birth, Social Security Number (SSN), driver's license number, or other government-issued IDs (e.g., when required for credit coaching, tenant screening, or funding referrals).

  • Financial and Business Information: Bank statements, credit reports, tax ID (EIN), business name, industry, revenue details, or funding needs (e.g., for Business Credit & Funding Strategy or ROK referrals).

  • Commercial Information: Purchase history, service usage, or interactions with our site/services.

  • Sensitive Personal Information: Credit history, background checks, rental profiles, or geolocation (if provided for services like Full Subleasing in Atlanta).

  • Internet/Activity Data: IP address, browser type, device info, cookies, usage patterns, and analytics data (e.g., via Google Analytics).

  • Social Media and Professional Info: Profiles (e.g., Facebook, LinkedIn, Instagram) if shared for verification or marketing.

  • Other: Hobbies, preferences, or feedback (e.g., from forms like favorite sports team or genre, as optionally provided).

We collect this directly from you (e.g., via forms, Zoom sessions, emails, or phone), automatically (e.g., site cookies), or from third parties (e.g., credit bureaus, ROK Financial, or public sources).

How We Use Your Information We use your data for legitimate business purposes, including:

  • Providing services (e.g., credit analysis, rental matching, trading education, or submitting ROK referrals with executed applications and bank statements).

  • Personalizing experiences (e.g., tailored coaching or funding recommendations).

  • Communication (e.g., emails, newsletters, or updates on service status/RoK funding).

  • Marketing and promotions (with consent; you may opt out).

  • Compliance, fraud prevention, and legal obligations (e.g., verifying identity or responding to subpoenas).

  • Analytics and improvements (e.g., site usage trends).

  • As authorized in agreements (e.g., adding you to mailing lists using provided or public info).

Sharing and Disclosure of Your Information We may share your information as necessary or authorized:

  • With subsidiaries, affiliates, contractors, service providers, vendors, or third parties supporting our operations (e.g., payment processors, Zoom for coaching).

  • With partners like ROK Financial (ROKFi LLC) for referrals, including their subsidiaries/affiliates, to process funding applications (e.g., lines of credit, equipment leasing). You consent to this sharing, including for business support, legal compliance, fraud prevention, mergers/divestitures, or as per ROK's Privacy Policy.

  • For legal reasons: To respond to subpoenas, court orders, investigations, or to exercise/defend rights (e.g., suspected fraud, threats to safety, or violations of our terms).

  • In business transfers: To buyers/successors in mergers, sales, or restructurings where your data is an asset.

  • With your consent: For additional uses, which may be obtained orally (treated as written).

  • Publicly available info may be used without restriction.

We do not share for unrelated marketing without consent. To opt out of certain sharing (where allowable by law), contact us or ROK at (833) 376-5249—note this may limit services but won't affect owed funds.

Data Security and Retention We implement reasonable security measures (e.g., encryption, access controls) to protect your data from unauthorized access, loss, or misuse. However, no system is fully secure, and we cannot guarantee absolute protection.

We retain data as needed for services, legal requirements, or business purposes (e.g., 7 years for tax records), then securely delete or anonymize it.

Your Privacy Rights Depending on your location:

  • Access/Portability: Request details on data we hold.

  • Correction/Deletion: Update or delete inaccurate/incomplete data (subject to legal retention).

  • Opt-Out: From marketing, data sharing (limited), or cookies (via browser settings).

  • CCPA/CPRA (CA Residents): Request disclosure, deletion, or opt-out of sales (we don't sell data).

  • GDPR (EU Residents): Additional rights like objection, restriction, or complaints to supervisory authorities.

  • Submit requests via support@skymanagemententerprise.org. We respond within 30-45 days; verification required.

Cookies and Tracking We use cookies for functionality, analytics, and ads. You can manage via browser settings, but this may affect site usability. Third-party tools (e.g., Google) may collect data per their policies.

Children's Privacy Our services are not intended for individuals under 18. We do not knowingly collect their data; if discovered, we delete it promptly.

International Transfers Data may be processed in the US or other countries with adequate protections. By using our services, you consent to transfers.

Changes to This Policy We may update this policy; changes posted here with a new effective date. Continued use constitutes acceptance. We'll notify you of material changes via email/site.

Contact Us For questions, requests, or concerns: Sky Management Enterprise 1309 Coffeen Ave Suite 1200 Sheridan, WY 82801 Email: support@skymanagemententerprise.org Phone:307-222-8573