Privacy Policy

summaplanning.com (the "Website") is operated by Summa Planning Group LLC (sometimes referred to as "we," or "our" hereinafter). Summa Planning Group has created this privacy policy to demonstrate our firm commitment to the privacy of our visitors. Summa Planning Group is committed to respecting your privacy and recognizing your need for appropriate protection and management of personally identifiable information you share with us (the phrases "personally identifiable information" and "personal information" mean any information by which you, individually, can be identified, such as your name, address, telephone number, etc.). The purpose of this privacy policy is to inform you when you visit our Website how we use such information.

This privacy policy also governs the collection, use, transfer, and processing of your personal information. By using this Website, you consent to our privacy policy set out below. All terms not defined in this document have the meaning ascribed to in the Website terms and conditions located at summaplanning.com.

A Special Notice about Children

Children (under the age of 18) are not eligible to use the Website unsupervised, and we ask that children do not submit any personal information to us. If you are under the age of 18, you may only use this Website in conjunction with, and under the supervision of, your parents or guardians.

General

In general, you may visit the Website without telling us who you are or revealing any of your personal information. We collect information that you submit to us, including any personal information you submit through our contact options, when you request a consultation, when you register for a webinar, or when you complete the Responsibility Readiness Assessment™. Whether or not you choose to provide personal information is entirely up to you. We may also track the domain address from which you visit the Website through cookies (see "Cookies" section below).

Information We Collect

The information we gather enables us to personalize, improve and continue to operate our services. In connection with certain aspects of the Website, we may request, collect and/or display some of your personal information.

The Responsibility Readiness Assessment™

The Assessment is hosted on a third-party platform (ScoreApp). When you complete the Assessment, we collect the responses you provide along with the contact information you submit, and we use that information to deliver your results, to follow up with you about planning topics relevant to your responses, and to improve the Assessment itself. Your responses are stored in our customer relationship management system (Pipedrive) and may be used to prepare for any conversation you request with us. You may ask us to delete this information at any time using the contact details below.

Advertising and Conversion Tracking

We advertise on third-party platforms, including Meta (Facebook and Instagram). This Website uses the Meta pixel and Meta's Conversions API, which collect information about your visit — such as pages viewed, actions taken, your IP address and browser information — and share it with Meta so that we can measure the performance of our advertising and reach people with relevant information. This may include sharing a hashed version of information you submit, such as an email address, for the purpose of matching and measurement. You can manage advertising preferences through your Meta account settings and through your browser's cookie controls.

Analytics and Tag Management

We use Google Tag Manager to manage the analytics and advertising tags described in this policy, and Google Analytics to understand how the Website is used, including which pages are visited and how visitors arrive. These tools collect information such as your IP address, browser and device type, referring website, and the pages you view.

Behavioral Analytics and Session Recording

We use Microsoft Clarity, a behavioral analytics tool, to better understand how visitors interact with our Website. Clarity may collect information such as mouse movements, clicks, scrolling behavior, and page interactions through heatmaps and session recordings. Clarity automatically masks sensitive information, such as text entered into form fields, by default. This information helps us improve the usability and content of our Website. For more information about how Microsoft collects and uses this data, please review Microsoft's Privacy Statement.

IP Address Information and Other Information Collected Automatically

We automatically receive and record information from your web browser when you interact with the Website, including your IP address and cookie information. This information is used for fighting spam and malware and to facilitate collection of data concerning your interaction with the Website (e.g., what links you have clicked on). The Website automatically collects usage information, such as which parts of the Website you use and the number and frequency of visitors.

Email Communications

We may receive confirmation when you open an email from us. We use this confirmation to improve our service. You may unsubscribe from marketing communications at any time, although we reserve the right to contact you when we believe it is necessary, such as confirming a registration or an appointment.

Aggregate Information

We collect statistical information about how you and others collectively use the Website ("Aggregate Information"). Some of this information is derived from personal information. While Aggregate Information is not personal information, it may be tied back to you, or your web browser.

We are committed to protecting personal information in accordance with applicable U.S. privacy laws and the principles of notice, choice, access, security, and accountability.

Cookies

The Website may use cookie technology to improve the quality of your experience. A cookie is a small file that contains information sent by a website that is saved on your hard disk by your computer's browser. Cookies store information that a website may need in order to personalize your experience and gather website statistical data. Any time you visit the Website, cookies may collect and store the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access the Website; and the Internet address of the website from which you linked directly to the Website. We may use this information to measure the number of visitors to areas of the Website, to help us make the Website more useful, and to help target advertisements based on your interests.

The cookies and similar technologies used on this Website fall into three general categories: those necessary for the Website to function; those used for analytics and usability, including Google Analytics and Microsoft Clarity; and those used for advertising and measurement, including the Meta pixel.

Some consumers may not know that cookies are being placed on their computers when they visit websites. If you want to know when this happens, or to prevent it from happening, you can set your browser to advise you when a website attempts to place a cookie on your computer.

Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services (such as customer service) is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information Shared with Our Agents

We may employ and contract with people and other entities that perform certain tasks on our behalf and who are under our control (our "Agents"), including our advertising agency, our CRM and assessment platform providers, our analytics providers, and our website host. We may need to share personal information with our Agents in order to provide our services to you. Unless we tell you differently, our Agents do not have any right to use personal information or other information we share with them beyond what is necessary to assist us. You hereby consent to our sharing of personal information with our Agents.

Information Shared with Insurance Carriers and Other Professionals

If you choose to move forward with an application for insurance or an annuity, information you provide will be shared with the insurance carrier or carriers involved, and their own privacy practices will apply to that information. With your permission, we may also coordinate with other professionals you work with, such as your attorney or CPA. We do not sell your personal information.

Information Disclosed Pursuant to Business Transfers

In some cases, we may choose to buy or sell assets. In these types of transactions, personal information is typically one of the transferred business assets. You acknowledge that such transfers may occur, and that any acquirer of us or our assets may continue to use your personal information as set forth in this policy.

Information Disclosed for Our Protection and the Protection of Others

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce this privacy policy and our terms and conditions, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to support requests, or (v) protect our rights, property or safety, and the public.

Third Parties and Links to Other Materials

This privacy policy does not apply to the practices of third parties that we do not own or control, including but not limited to any third-party websites, services, and applications that you elect to access through the Website. We encourage you to carefully review the privacy policies of any third-party services you access. The Website may contain links to other websites, including The Autism Voyage®, and we shall have no responsibility or liability for the content or privacy practices of any linked websites.

California Privacy Rights

Under California Civil Code sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of personal customer information which we share with our affiliates and/or third parties for marketing purposes and providing contact information for such affiliates and/or third parties. If you are a California resident and would like a copy of this notice, please submit a written request to: michael@summaplanning.com.

GDPR — Our Data Protection Officer

Our Data Protection Officer is responsible for overseeing what we do with your information and monitoring our compliance with data protection laws. If you have any concerns or questions about our use of your personal data, you can contact our Data Protection Officer by writing to: michael@summaplanning.com.

Opt Out

You may "opt out" of having your personal information shared by providing us with a written notice identifying which communications you choose not to receive by emailing michael@summaplanning.com.

Information Retention

Your personal information will be retained by us for as long as we operate the Website, unless you have requested that your information be removed as set forth herein, except where retention is required by applicable insurance recordkeeping requirements or other law.

Your Rights

In relation to the information which we hold about you, you are entitled to:

• see a copy of the information;
• ask us to rectify the information where it is inaccurate or incomplete;
• ask us to erase the information, but we will not be able to comply where we hold your information to fulfill our statutory, regulatory, and representative obligations;
• ask us to restrict what we do with your information, subject to certain exemptions;
• object to our use of your information and ask us to stop that use, in certain circumstances; and
• instruct us to provide you with the information we hold about you in a structured and commonly used format or transmit that information directly to another organization.

Our obligations to comply with the above rights are subject to certain exemptions. Where we are using some of your information because you have provided your consent to that use, you are entitled to withdraw your consent at any time.

Third-Party Hosting

We may contract with third parties to maintain and host the Website. Any information you submit to us, including personal information, may be placed and stored on a computer server maintained by this third-party host.

Security

The Website has security measures in place to protect the loss, misuse, and alteration of the information under our control.

Effective Date and Changes

This privacy policy is effective as of October 16, 2026. Summa Planning Group reserves the right to modify the terms of this privacy policy at any time and in its sole discretion, by posting a change notice on this page. YOUR CONTINUED USE OF THE WEBSITE FOLLOWING OUR POSTING OF A CHANGE NOTICE WILL CONSTITUTE BINDING ACCEPTANCE OF THOSE CHANGES.

Contact Us

Please contact michael@summaplanning.com with any questions or concerns about this privacy policy.