Effective Date: 8/5/2026 Last Updated: 8/5/2026

This Privacy Policy describes how Summit Mortgage & Investment Co. and Summit Financial Network, Inc. (“Summit,” “we,” “us,” or “our”) collect, use, and share information when you visit summitmortgage.net (the “Site”) or contact us through the Site. By using the Site, you agree to the practices described in this policy.

This policy applies to information collected through our website. If you apply for a mortgage loan with us, additional privacy protections and disclosures apply under federal law, and you will receive a separate Consumer Privacy Notice as required by the Gramm-Leach-Bliley Act.

Information you provide to us. When you submit a contact form, request information, or otherwise communicate with us through the Site, we collect the information you choose to provide, which may include:

• Your name
• Email address
• Phone number
• The contents of your message or inquiry
• Any other information you choose to include

Information collected automatically. When you visit the Site, we and our service providers automatically collect certain information about your device and how you interact with the Site, including:

• IP address
• Browser type and version
• Device and operating system information
• Pages viewed, links clicked, and time spent on the Site
• Referring website or source
• General geographic location (city/region level)

We collect this information using cookies and similar technologies, including Google Analytics (described below).

We use the information we collect to:

• Respond to your inquiries and requests
• Communicate with you about our services
• Operate, maintain, and improve the Site
• Understand how visitors use the Site
• Protect the security of the Site and prevent fraud or abuse
• Comply with legal and regulatory obligations

Marketing communications. We may use your contact information to send you information about our services that may be of interest to you. You may opt out of marketing communications at any time by following the unsubscribe instructions in any email we send or by contacting us at info@summitmortgage.net. You may continue to receive non-marketing communications related to services you have requested.

We use Google Analytics, a web analytics service provided by Google LLC, to understand how visitors use the Site. Google Analytics uses cookies to collect information such as your IP address, browser type, pages visited, and time spent on the Site. This information is transmitted to and stored by Google. Google may use this data in accordance with its own privacy policy, available at https://policies.google.com/privacy.

You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout.

Cookies. Cookies are small files placed on your device by a website. You can set your browser to refuse some or all cookies or to alert you when cookies are being set. If you disable cookies, some features of the Site may not function properly.

Do Not Track. Some browsers offer a “Do Not Track” signal. The Site does not currently respond to Do Not Track signals.

We do not sell your personal information. We may share information in the following circumstances:

• Service providers. We share information with third parties that perform services on our behalf, such as website hosting, analytics (Google Analytics), and email services. These providers are permitted to use your information only to perform services for us.
• Affiliated companies. We may share your contact information with our affiliated companies — Summit Financial Network, Inc., Summit Property Management, and Contour Realty, Inc. — where relevant to your inquiry or to services you have requested.
• Legal requirements. We may disclose information when required by law, subpoena, court order, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others, or to investigate fraud.
• Business transfers. If Summit is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction.

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no method of transmission over the Internet or method of electronic storage is completely secure. Please do not send sensitive personal information — such as Social Security numbers, account numbers, or financial documents — through the Site’s contact forms or by unencrypted email. If you are working with a Summit loan officer, they will provide you with a secure method to submit loan documentation.

We retain information collected through the Site for as long as needed to respond to your inquiry, provide requested services, and comply with our legal and regulatory obligations, after which it is deleted or anonymized.

The Site is not directed to children, and our services are not available to anyone under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

The Site may contain links to third-party websites, including our affiliates and social media platforms (Facebook, Yelp, LinkedIn). We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.

California Online Privacy Protection Act (CalOPPA). Summit complies with CalOPPA. This policy identifies the categories of personally identifiable information we collect through the Site and the categories of third parties with whom it may be shared. You may review and request changes to personal information you have provided through the Site by contacting us using the information below.

“Shine the Light” (Civil Code § 1798.83). California residents may request, once per year, information about any personal information we have disclosed to third parties for those parties’ direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes.

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Material changes will be posted on this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised policy.

If you have questions about this Privacy Policy or our privacy practices, contact us at:

Summit Mortgage & Investment Co.
99 Long Court, Suite 101
Thousand Oaks, CA 91360

Phone: (805) 374-1366
Email: info@summitmortgage.net

CA DRE Broker License #00912747 | NMLS #342391