Summit Card Privacy Policy
This Website is brought to you by The E-Commerce Card Inc., (“Company”). Company respects the privacy of your personally identifiable information. To better protect your privacy, we provide this Privacy Policy explaining our online information practices and the choices available to you concerning the way that we use the information collected online at this Website
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General Privacy Policy
Information Collection and Use: Company collects your personally identifiable information when you register or sign up to receive products and/or services at the Website. The types of personally identifiable information collected at this Website, during registration, and when you make a purchase may include, but is not limited to, your name, street address, e-mail address, telephone numbers, billing account information, and online activity.
By providing your personal information through this Website you grant to company the right to use your personal information for any legal purpose including, without limitation: a) effectuating a purchase from Company that you make at the Website and otherwise taking necessary steps to complete transactions with you; b) responding to your inquiries and requests; c) marketing purposes; d) ensuring compliance with our Terms and Conditions; e) to respond to a lawful request for information from law enforcement or through judicial process; and f) for validation, identity verification, suppression, content improvement and feedback purposes. You agree that Company may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Website. In addition, you agree, subject to applicable law, that we may use your personal information to provide you with promotional offers through e-mail advertising, telemarketing, text messaging, direct mail marketing, pop-ups, pop-unders and/or online banner advertising.
In connection with the products and services available for purchase at the Website, Company may collect your billing account information, which may use your billing account information to bill you for your purchases. In addition, by submitting your billing account information to us, you authorize Company to periodically verify that your billing account continues to be a valid and active one by charging and, thereafter immediately crediting, a small sum to your account. Such verification may be conducted through a third-party service provider, in which case, Company will share your specific billing account information with this third party for verification purposes.
Company as an Agent: In certain circumstances, Company may act as a limited agent for the actual seller of the products and/or services available for purchase at or through the Website. In these circumstances: 1) you will be redirected to the applicable seller's website after you have completed the application page; 2) Company will collect and send your personal information to the respective seller in connection with completing your purchase from the seller; and 3) your purchase will subject you to the seller's terms and privacy policy.
Non-Personally Identifiable Information: Company may collect certain non-personally identifiable information about you when you visit this Website. This non-personally identifiable information may include, without limitation, the type of browser used. IP address, the type of operating system used and the domain name of your Internet service provider.
Company may use the non-personally identifiable information collected to improve the design and content of the Website and to personalize your Internet experience. Company may use this information in the aggregate to analyze Website usage, as well as to offer you products and services.
We also may use "cookies" to enhance your experience when using the Website. Cookies are text files that are placed in your computer's browser to store your preferences. We use cookies to understand Website usage, to personalize your experience, and to improve the content and offerings on the Website.
How We Respond to Do Not Track Signals: Some browsers may have the option to transmit a "do not track" signal to websites. This Website does not currently respond to browser “Do Not Track” (DNT) signals when you visit the Website with a browser that uses a "do not track" signal or similar mechanism.
Minors: Company and its products are intended for general audiences and are not directed to individuals under the age of 18, and we do not knowingly collect information from minors under the age of 18. No information should be submitted to, or posted at, this Website by individuals under 18 years of age. If we become aware that an individual under the age of 18 has provided personal information, we will take steps to remove such information and terminate the individual’s account.
Change of Control: If Company sells or otherwise transfer part or the whole of Summit Card or its assets to another organization in the course of a merger, acquisition, bankruptcy, dissolution, liquidation, or other transaction or legal proceeding, your information may be among the items sold or transferred. By using the services, you consent to the transfer of your data if such an event were to occur. The buyer or transferee will be required to honor the commitments made in this Privacy Policy.
Privacy Statement for California Residents: This section applies solely to visitors and users who are residents of the State of California, as defined in Section 17014 of Title 18 of the California Code of Regulations. This section is for the purposes of compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in this section.
If you are a California resident, California Civil Code Section 1798.83 permits you to request, up to two times each year, access to categories and specific pieces of Personal Information about you that company collects, uses, discloses, and sells, and to request the deletion of Personal Information collected, subject to applicable legal exceptions.
To make such a request, please contact company by sending an email to info@thesummitcard.com. Before completing your request, we may need to verify your identity or the identity of your authorized representative and may request additional documentation or information solely for the purpose of verifying identity.
During the past 12-month period, Company has collected the following categories of personal information, name, postal address, email address, and other similar identifiers, as well as, cookies, beacons, pixel tags, Internet Protocol address, mobile ad identifiers and similar technology.
Company does not collect information related to characteristics protected under California or federal law, such as race, color, national origin, religion, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, genetic information, disability, citizenship status, and military and veteran status.
The business or commercial purposes of collecting personal information are described above in the section entitled, “Information Collection and Use”.
If you have any questions about this Privacy Policy, please: (a) call Us at: (866) 690-1245 (b) email Us at: info@thesummitcard.com; or (c) contact us via U.S. mail at:
The Summit Card
6670 KALAMAZOO AVE STE D BOX 156 KENTWOOD MI 49508
Your Rights Under the CCPA
The CCPA provides you (California residents) with specific rights regarding your personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection, use, sale, and disclosure of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The specific pieces of personal information we collected about you (also called a data portability request)
- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, security questions and answer, or unique biometric data generated from measurements or technical analysis of human characteristics.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. If we store any of your personal information in our archived or back-up systems, we will delete your information once the systems are accessed, restored, and/or used.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Right to Opt-Out of Sale of Personal Information
If you are 16 years of age or older, you have the right to direct us to not sell your personal information at any time (the "right to opt-out"). However, we will not sell the personal information of consumers that, to our actual knowledge, are less than 16 years of age.
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by visiting our website and sending us a message. We will only use personal information provided in an opt-out request to review and comply with the request.
Exercising Your Rights Under the CCPA
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by contacting us in any of the ways noted below in the section labeled "Contact Us." Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
If you are making the request, you must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
If your authorized representative is making the request, the representative additionally must provide proof of authorization.
Once you submit your verifiable consumer request, we will verify your identity by matching the information you provided us with information in our systems. If you submit a request to know specific pieces of personal information or a request to delete certain information, in addition to verifying your identity with information we have on file, you also may be required to submit a signed declaration under penalty of perjury stating that the requestor is the consumer whose personal information is the subject of the request. If we are unable to respond to your request for specific pieces of information, we will evaluate your request as if it is a request to know the categories of personal information that we have collected about you.
If you have a password-protected account with us, we may verify your identity through our existing authentication practices for your account and we will also require you to re-authenticate yourself before we disclose your personal information. If we suspect fraudulent or malicious activity on or from your account, we will not comply with your request until we perform further verification to determine whether your request is authentic and you are the person about whom we have collected the personal information.
We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA.
Generally, if we are unable to verify your identity, we will deny your request and inform you of our inability to verify your identity and explain why we were unable to do so.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, you may select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by mail or electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Please note that we are only required to respond to your request for access to your personal information twice within a 12-month period.
Exercising Right to Opt Out of Sale of Your Information
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us using either (i) the Do Not Sell My Personal Information form, (ii) the communication methods listed in the "Contact Us" section below, or (iii) through a user-enabled global privacy control (e.g., browser plugin, privacy setting, device setting, or other similar mechanism).
If we have a good-faith, reasonable, and documented belief that a request to opt-out is fraudulent, then we may deny the request, and we will inform you of the denial and provide you with an explanation regarding why we believe the request is fraudulent.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
Changes to Our Privacy Statement for California Residents
We are required by law to update this California Privacy Statement at least once each year. This California Privacy Statement was last updated on February 28, 2022.
Policy Changes, Acceptance, and Contact Information
Changes to Our Privacy Policy
We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated Privacy Policy on the Website and update the Privacy Policy’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
Acceptance
By using the Website and/or agreeing to receive information via e-mail from Summit Card, you agree to this Privacy Policy. We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Website. Please check this page periodically for any changes. Your continued use of the Website and/or use of your account following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.
Contact Us
If you have any questions or comments about this Privacy Policy, or would like more information about our privacy practices, please contact us using the methods described below. For California residents seeking information about the ways in which we collect and use your information, your choices and rights regarding such use, or wish to exercise your rights under California law, please contact us using the methods described below:
- Call our Member Services department at 1-800-251-6144, Monday through Friday from 8:30 AM to 8:00 PM ET and Saturday from 9 AM to 6 PM ET (excluding holidays).
- Send an e-mail message to info@thesummitcard.com
- Send correspondence by mail to the address below:
Summit Card
Attn: Compliance Officer
6670 KALAMAZOO AVE STE D BOX 156 KENTWOOD
MI 49508
Effective Date: February 28, 2022