Privacy Policy

At Summer, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and disclose your information as described in this Privacy Policy. 

Remember that your use of Summer's Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use. 

You may print a copy of this Privacy Policy by clicking here. 

Privacy Policy Table of Contents

- What this Privacy Policy Covers

- Personal Data

• Categories of Personal Data We Collect
• Categories of Sources of Personal Data
• Our Business Purposes for Collecting Personal Data

- How We Disclose Your Personal Data

- Tracking Tools, Advertising, and Opt-Out

- Data Security and Retention

- Personal Data of Children

- State Law Privacy Rights

- Changes to this Privacy Policy

- Contact Information

What this Privacy Policy Covers

This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

Personal Data

Categories of Personal Data We Collect

This chart details the categories of Personal Data that we may collect or have collected over the past 12 months:

‍Categories of Sources of Personal Data

We collect Personal Data about you from the following categories of sources:

• You
  • When you provide such information directly to us.some text
    • When you create an account or use our interactive tools and Services.
    • When you voluntarily provide information in free-form text boxes or uploaded documentation (such as receipts, grades, and student loan records) through the Services or through responses to surveys or questionnaires.
    • When you send us an email or otherwise contact us.  
    • When you authorize a third party (e.g. your student loan servicer) to provide information regarding your student loans via Plaid or otherwise.
  • When you use the Services and such information is collected automatically.some text
    • Through Cookies (defined in the “Tracking Tools, Advertising, and Opt-Out” section below).
    • If you use a location-enabled browser, we may receive information about your location.
    • If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services, such as information regarding when you are logged on and available to receive updates or alert notices.
• Government Records
  • From the government or other public sector sources (e.g. the Department of Educations, Federal Student Aid).
• Third Parties
  • Vendors
    • We may use analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support.
  • Your Employer
    • Your employer may provide information to authorize an account for you, including but not limited to attributes about your employment relevant to Summer’s provision of the Services.
    • Your employer may provide information certifying your employment.
  • Social Networks 
    • If you provide your social network account credentials to us or otherwise sign in to the Services through a third-party site or service, some content and/or information in those accounts may be transmitted into your account with us.

Our Business Purposes for Collecting Personal Data

• Providing, Customizing and Improving the Services
  • Creating and managing your account or other user profiles.
  • Providing you with the products, services or information you request.
  • Meeting or fulfilling the reason you provided the information to us.
  • Providing support and assistance for the Services.
  • Processing orders or other transactions; billing.
  • Improving the Services, including testing, research, internal analytics and product development.
  • Personalizing the Services, website content and communications based on your preferences.
  • Doing fraud protection, security and debugging.
• Marketing the Services
  • Marketing and selling the Services.
• Corresponding with You
  • Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Summer or the Services.
  • Sending emails and other communications according to your preferences or that display content that we think will interest you.
• Meeting Legal Requirements and Enforcing Legal Terms
  • Fulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities.
  • Protecting the rights, property or safety of you, Summer or another party.
  • Enforcing any agreements with you.
  • Responding to claims that any posting or other Content violates third-party rights.
  • Resolving disputes.

We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated or incompatible purposes without providing you notice.

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How We Disclose Your Personal Data

We disclose your Personal Data to the categories of service providers and other parties listed in this section. 

• Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:
  • Hosting, technology and communication providers.
  • Security and fraud prevention consultants.
  • Support and customer service vendors.
  • Product fulfillment and delivery providers.
  • Payment processors.
  • If you are paying for the Services, one of our payment processing partners, such as Stripe, Inc. (“Stripe”), will collect your voluntarily-provided payment card information necessary to process your payment, if applicable.some text
    • Please see Stripe’s terms of service and privacy policy for information on its use and storage of your Personal Data.
• Analytics Partners. These parties provide analytics on web traffic or usage of the Services. They include:some text
  • Companies that track how users found or were referred to the Services.
  • Companies that track how users interact with the Services.
• Business Partners. These parties partner with us in offering various services. They include:some text
  • Businesses that you have a relationship with, including your employers.
• Parties You Authorize, Access or Authenticate
  • Third parties you access through the Services.
  • Current and former employers.
  • U.S. Department of Education and other student loan servicers.some text
    • If you decide to submit a Financial Program Application (as defined in the Terms of Use), we disclose your Financial Program Application materials, including your Student Loan Information, with the U.S. Department of Education, which may further disclose your Financial Program Application materials, including your Student Loan Information, with its affiliates. We encourage you to visit the U.S. Department of Education website to learn more about how they treat your Personal Information when you apply for PSLF or an IDR plan.
  • Other users.

Legal Obligations

We may disclose any Personal Data that we collect with third parties in conjunction with any of the activities set forth under “Meeting Legal Requirements and Enforcing Legal Terms” in the “Our Business Purposes for Collecting Personal Data” section above. 

Business Transfers

All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). 

Data that is Not Personal Data

We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and disclose it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not disclose such data in a manner that could identify you.  

Tracking Tools, Advertising and Opt-Out

The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base and operate and improve our Services. Cookies are small pieces of data– usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). Please note that because of our use of Cookies, the Services do not support “Do Not Track” requests sent from a browser at this time.

We use the following types of Cookies:

• Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
• Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
• Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising. For example, Google LLC (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and disclose information collected by Google Analytics about your visits to the Services is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt-out of Google’s use of Cookies by visiting the Google advertising opt-out page at www.google.com/privacy_ads.html or the Google Analytics Opt-out Browser Add-on at https://tools.google.com/dlpage/gaoptout/.
• Retargeting/Advertising Cookies. Retargeting/Advertising Cookies collect data about your online activity and identify your interests so that we can provide advertising that we believe is relevant to you. For more information about this, please see the section below titled “Information about Interest-Based Advertisements.”

You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work. 

To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/.

Session Replay Technology

We may use session replay technology in order to identify and resolve customer issues, to monitor and analyze how you use our Services, to better understand user behavior, and to improve our Services. By continuing to use the Services, you consent to the use of session replay technology. If you would like to change your settings with respect to session replay technology, you can access your Cookie management settings through your internet browser’s settings.

Data Security and Retention

We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism; limiting access to your computer or device and browser; and signing off after you have finished accessing your account. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

We retain Personal Data about you for as long as you have an open account with us or as otherwise necessary to provide you with our Services. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

Personal Data of Children

As noted in the Terms of Use, we do not knowingly collect or solicit Personal Data about children under 13  years of age; if you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided Personal Data to us, please contact us at support@meetsummer.com.

State Law Privacy Rights

California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at support@meetsummer.com. 

Nevada Resident Rights

If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at support@meetsummer.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. We do not sell Personal Data.

Changes to this Privacy Policy

We’re constantly trying to improve our Services, so we may need to change this Privacy Policy from time to time, but we will alert you to any such changes by placing a notice on the Summer website. If any changes materially reduce your rights or increase your responsibilities, we will send you an email or attempt to notify you by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Contact Information:

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data or your choices and rights regarding such collection and use, please do not hesitate to contact us at:

• https://www.meetsummer.com/
• support@meetsummer.com
• 33 Irving Place, New York, NY 10003

Overview

We respect your privacy and information. This privacy policy (“Privacy Policy”) explains how Summer, PBC (“Summer,” “we,” “our,” or “us”) collects, uses, and discloses information of individuals who visit our marketing website (the “Site”). Please take a moment to review this information.

This Privacy Policy does not apply to information collected through your use of the Summer Services when you sign into your Summer account. Please visit our Consumer Privacy Notice for information about how we treat information collected from registered users.  

We Protect Your Information

Your privacy is very important to us. We have adopted administrative, physical, and technical measures designed to help protect information from loss, misuse, and unauthorized access or disclosure. 

What Information We Collect

We may collect information about you when you use the Site, including when you request a product demo or contact us through the “Contact” link. When you contact us for these purposes, we may collect any information you choose to provide.

Like most companies, we and third parties automatically collect information relating to your interactions with us and our Site, including IP address, referring website and other information we collect through the use of cookies and other similar technologies.  These technologies are used in improving or administering the Site, analyzing trends and use of the Site, and to gather demographic information about our user base. 

How We Use Information

We may use information collected about you for any lawful purpose, including the following:

• We use information to operate, manage, and improve our Site, including for analytics purposes, and for internal administrative purposes.
• We may use your information to comply with legal or regulatory requirements, to respond to lawful requests, court orders and legal process, to enforce our rights, to prevent fraud, and to protect the security of the Site and for safety.
• We may use your information for advertising and to send you marketing information about our products and services that we think will be of interest to you. 
• If you reach out to us using our Site, we will send you communications related to your query.
• We may use your information for other purposes with your consent or as otherwise disclosed at the time of data collection. 

How We Share Information

We may share personal information with other parties, including the following:

• With our third-party service providers who process information on our behalf, including companies that assist with payment processing, business analytics, data processing, marketing, and other services;
• With any affiliates or joint venture partners that we may have in the future;
• To advertising networks and social media platforms, including Advertising Providers as described in the “Digital Advertising & Analytics” section below;
• As part of an actual or potential corporate sale, merger, or acquisition, or other transfer of all or part of our assets, including as part of a bankruptcy proceeding;
• Pursuant to a subpoena, court order, governmental inquiry, or other legal process or as otherwise required by law, to protect our rights or the rights of third parties, or to protect the safety or security of any person or entity; and
• With your consent or as otherwise disclosed at the time of data collection or sharing.

We may use and disclose de-identified or aggregated information without limitation.

Digital Advertising & Analytics

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are based on information Advertising Providers collect about your use of the Site and other sites or apps over time, including information about relationships among different browsers and devices.

You may visit the DAA Webchoices tool at www.aboutads.info to learn more about this type of advertising and how to opt out of this advertising on websites by companies participating in the DAA self-regulatory program. If you delete your cookies or use a different browser or mobile device, you may need to renew your opt-out choices exercised through the DAA Webchoices tool. Note that electing to opt out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests.  

We may also work with third parties that collect data about your use of the Site and other sites or apps over time. We use Google Analytics and other third-party services to improve the performance of the Site and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Site visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout. 

Additionally, your browser may offer tools to limit the use of cookies or to delete cookies. If you turn cookies off, you may not be able to enjoy full use of the Site. 

Third-Party Links and Tools

The Site may provide links to third-party websites or apps. We do not control the privacy practices of those websites or apps, and they are not covered by this privacy policy. You should review the privacy policies of other websites or apps that you use to learn about their data practices.

Your Choices

You can stop receiving marketing emails anytime by clicking the “unsubscribe” button at the bottom of each marketing email. If you opt out of our email marketing, we will still send you messages related to our transactions and relationship with you. You can opt out of marketing text messages by replying “STOP”.

You may request to access, correct, delete, and limit processing of personal information we hold about you by emailing support@meetsummer.org. We will make reasonable efforts to comply with your request, but there may be some cases where we cannot fulfill your request, such as if we are legally required to keep the information. 

For choices with respect to third-party interest-based advertising activities, please see the “Digital Advertising & Analytics” section above.

Changes

This Privacy Policy may change from time to time, and we will post updated versions on our website. Each version of this Privacy Policy will be identified at the top of the page by its effective date. 

Contact Us

If you have any questions about the Privacy Policy, please contact us at support@meetsummer.com or at the mailing address below:

Summer, PBC

33 Irving Place

New York, NY 10003

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