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Privacy Policy.

This Privacy Policy should help you understand what personal information Summit collects when you interact with our website, why we collect it, and how you can manage your information. Please note a separate privacy notice which addresses personal information collected during the loan process is provided to our customers when initiating the loan process.

This policy may be amended from time to time. Please check this page for updates.

If you are a California resident, you may have different privacy rights.
Please see Summit Funding's California Consumer Privacy Act (CCPA) Notice for California Residents.

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What is personal information?

For the purposes of this Privacy Policy, personal information means information that identifies, relates to, describes, or could reasonably be linked directly or indirectly to a particular person. This could include your name, social security number, billing information, account information, and/or IP address.

What personal information do we collect when you visit our blog, website, or app (collectively "Websites")?

We may collect information about you in order to give you a better experience on our Websites. Examples of information we may collect about Summit customers, website visitors, vendors, employees, and others include:

Category

Examples

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

YES

D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

YES

E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

NO

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

YES

G. Geolocation data.

Physical location or movements.

YES

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

YES

I. Professional or employment-related information.

Current or past job history or performance evaluations.

YES

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

NO

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

YES

How do we use your information?

We may use your personal information in the following ways:

  • To improve our website in order to better serve you.
  • To detect security incidents.
  • To provide you with services, transactions, or products you request.
  • To quickly process your transactions.
  • To send periodic emails regarding your order or other products and services.

How do we protect your personal information?

  • We do not use vulnerability scanning and/or scanning to PCI standards.
  • We do not use Malware Scanning.
  • We do not use an SSL certificate.
  • We do not sell your personal information.

Third Party Disclosure.

We will not transfer your personal information to third parties without providing you advanced notice, for example, through this privacy policy.

We may collect and share your information with our website hosting partners and other affiliates who assist us in operating our website, conducting our business, or servicing you. We may also share your information when we believe it is reasonably necessary to comply with the law, enforce our Website’s policies, or protect rights, property, or safety.

Website visitor information which cannot be reasonably used to identify an individual user, such as aggregated and/or de-identified information, may be provided to third parties for marketing, advertising, or other uses.

Summit allows third party behavioral tracking.

Do we use ‘cookies’?

Yes. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your web browser that enables the website or service provider’s system to recognize your browser and remember certain information. Cookies help us understand and recall your preferences based on previous or current site activity, and assist us in compiling aggregate data about website traffic and site interaction.  This allows us to offer better experiences and tools in the future. We may also use trusted third party services that track this information on our behalf. 

You can have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. However, you may not be able to utilize certain features on Summit’s Websites if all cookies are turned off.

To set your cookie preferences, please configure your web browser (e.g., Internet Explorer, Firefox, etc.) according to the relevant browser’s instructions.  For example, to block or allow cookies in Internet Explorer 11 for Windows 10: Select the Tools  button, select Internet options, select the Privacy tab, Advanced under “Settings” and choose whether you want to accept, block, or be prompted for first-party and third-party cookies. Instructions may differ based on which browser you are using. 

We, along with third-party vendors such as Google, use first-party cookies (such as Google Analytics cookies) and third-party cookies (such as DoubleClick cookies) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our site.

Google.

We use Google AdSense Advertising on our website.

Google, as a third party vendor, uses cookies to serve ads on our Website. These cookies enable Google to serve ads to our Website’s users based on their visit to our site and other sites on the Internet. Users may learn more about Google’s advertising policies and practices, and find out how to opt out of these cookies, by visiting the Google Advertising Policies Center: https://support.google.com/adwordspolicy/answer/1316548?hl=en.

We have implemented the following:

  • Google Display Network Impression Reporting
  • Demographics and Interests Reporting

 

How We Respond to Do Not Track Signals.

 

We do not currently respond to your browser’s Do Not Track signal, and we do not permit third parties other than our analytics and service providers to track Summit Funding’s users activity over time on Summit Funding. We do NOT track your online browsing activity on other online services over time.

 

 

What choices do I have about how my personal information is collected or used?.

You can opt out of marketing communications using the opt-out webform below.

Does Summit sell my personal information?.

No, Summit does not sell personal information it collects through its Websites.

How can I change or correct my personal information?.

Contact us using the information at the bottom of this page.

COPPA (Children Online Privacy Protection Act).

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces COPPA, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not knowingly collect personal information from children under the age of 13 without the consent of the child's parent or guardian.

Contacting Us.

If there are any questions regarding this Privacy Policy, you may contact us using the information below:

Marketing Communications Opt-Out Form.

To opt out of marketing communications, please fill out the form below and ensure you complete all information requested.

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Click here to read Summit Funding's California Consumer Privacy Act (CCPA) Notice for California Residents