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Terms

TERMS AND CONDITIONS OF USE

TERMS & CONDITIONS GOVERNING YOUR USE OF THIS WEBSITE
LAST UPDATED – 3/12/2026

PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE.

Summit A*R  provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). As used herein, “you” or “your” refers to anyone who accesses and/or uses any portion of this Site, on behalf of themselves personally or on behalf of a business, organization or entity, directly or indirectly (“Site Visitor”). The abbreviation “Summit” and the words “we,” “our,” and “us” mean Summit A*Rand its affiliates, successors, and assigns. 

This Agreement governs the relationship between us and you, the Site Visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT AND COMPLY WITH APPLICABLE LAWS AND REGULATIONS.  If you do not agree to the terms and conditions of this Agreement, you must not use the Site.

We may, at any time, in our sole discretion, revise or otherwise update this Agreement, in whole or in part, by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. You acknowledge that it is your sole responsibility to check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).

  1. Contacting Summit A*R. If you have any questions or comments about the Terms, please contact us at the following:
    Summit A*R
    12201 Champlin Dr.
    Champlin MN 55316
    888-212-2021
    website@summitcollects.com
    Information that you send us in an e-mail message through this Website will not be considered confidential or privileged by us and sending us an e-mail message will not establish any working relationship with us.
  2. Account Information.  We make available the information and materials on the Site (the “Materials”) to provide information regarding your account(s) and for general informational purposes only. The Materials available on the website may not include or represent all of your outstanding accounts. For more information regarding your accounts, please contact us the contact information shared at the outset of this Agreement.
  3. Legal Relationship; Not Legal Advice. The Materials on this Site do not constitute legal advice. You should consult with a lawyer for your own legal advice. In addition, unsolicited emails and information sent to us do not create a relationship with us, and may not be considered confidential.
  4. Rules of Conduct.  You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:
    • Use the Site for any fraudulent or unlawful purpose.
    • Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; and/or falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
    • Interfere with or disrupt the operation of the Site.
    • Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
    • Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
    • Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
    • Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
    • Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
    • Frame or mirror all or any part of the Site without our prior express written authorization.
  5. Summit A*R’s  Proprietary Rights.  Proprietary Right means any patent, copyright, trade secret, trademark, trade name, service mark or other protected intellectual property right in any Confidential Information, Inventions and Works, or Material (“Proprietary Information”). You acknowledge and agree that the Site, the Materials and any Proprietary Information incorporated therewith, are, and shall remain, the property of Summit A*R and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in a signed writing by one of our authorized legal representatives, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site, any of the Materials or Proprietary Information, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sublicensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial and non-monetary use.

    Trade names, trademarks and service marks of Summit A*R include “Summit AR” and “Summit” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by Summit AR, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of Summit A*R (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.
  6. Electronic Communication Policy.  By providing us with your email address and/or mobile number and opting-in, you give us permission to send you account-related emails and text messages, like payment reminders and notifications, in conjunction with the services you have requested and consistent with our Electronic Communications Policy.
    • Number of messages will vary by account.
    • By providing us with your mobile number and opting-in, you agree you have ownership rights or permission to use the number given to us.
    • By providing us with your email address and opting in, you agree that you have ownership rights or permission to use the email address given to us and can access and view the information via email.
    • Message and data rates may apply and you agree to be responsible for them.
    • To opt-out of text communications, text STOP or text STOP to any text message we send you. An opt-out confirmation message will be sent back to you. You may also contact us at the information provided at the outset of this Agreement.
      • To request support, text HELP to any text message we send you, or email us at website@summitcollects.com.
      • If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.
      • Wireless carriers are not liable for undelivered or delayed messages.
    • For more information regarding our Electronic Communications Policy please contact us at 888-212-2021 or write to 12201 Champlin Dr., Champlin MN 55316.
  7. Payment Application. If you make a payment on our website portal and have multiple accounts with us we will apply your payment(s) first to your oldest account until it is paid, and then in chronological order of the dates your creditor(s) placed your accounts with us for collection.  This means that if you do not want a particular account to be paid or want to pay only certain accounts, you must call us at (888)-212-2021 or send us a check designating in a clear manner only those accounts you want to be paid.  You have the right to have us apply any single payment you make to specific accounts in accordance with your directions if you have multiple accounts, and the right to have us not apply any single payment to any account you have disputed with us if you have multiple accounts.  By continuing to make a payment on our website portal without providing us with specific direction about applying the payment to specific accounts you will be waiving that right with respect to such payments that you make online.
  8. Credentials. You are responsible for maintaining the confidentiality of all account numbers, personal authentication information, and other access credentials used to access the website portal (“Credentials”) and are solely responsible for all activities that occur with such Credentials. You assume any and all risk associated with providing those Credentials to us and to any third party.

    If you permit third parties to access your account, you do so at your sole risk and we will not be directly or indirectly responsible or liable to you in any manner, for any harms, damages, loss, lost profits, special or consequential damages, or claims, arising out of or in connection with such permission.
  9. Accuracy of Information. We are committed to providing clear, accurate, and truthful information about our Services. All descriptions, claims, and representations on our website are intended to be accurate and are based on the most current and reliable information available. However, due to the nature of our services and potential variations in individual cases, we do not guarantee specific outcomes or results from using our services.
  10. No Misleading Claims. Our advertisements, promotions, and content are designed to comply with applicable federal and state laws, including the Federal Trade Commission Act, which prohibits deceptive or misleading advertising. We strive to ensure that all representations about our services are honest and not misleading. If you have any questions about the accuracy of any information on our site, please contact us directly.
  11. Variability of Results. Results from using our Services can vary widely depending on individual circumstances, including but not limited to the nature of the debt, client cooperation, and external factors. We make no representation that our Services will lead to any particular result or outcome.
  12. Substantiation of Claims. Any claims made about our Services are based on factual data and industry standards. We provide these claims with the understanding that individual results may vary based on specific circumstances. We are transparent about the nature of our services and do not promise guaranteed outcomes.
  13. No Warranties. THE MATERIALS ON THE WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF ACCURACY, RELIABILITY, TITLE, MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OR ANY OTHER WARRANTY, CONDITION, GUARANTEE OR REPRESENTATION, WHETHER ORAL, IN WRITING, OR IN ELECTRONIC FORM. WE DO NOT REPRESENT OR WARRANT THAT ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED OR THAT THERE WILL BE NO FAILURES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION, OR THAT NO VIRUSES WILL BE TRANSMITTED THROUGH THE WEBSITE. WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTIES FOR DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ALLEGEDLY SUSTAINED ARISING OUT OF YOUR ACCESS TO OR INABILITY TO ACCESS THE WEBSITE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED THROUGH THE WEBSITE OR YOUR USE OF OR RELIANCE UPON THE WEBSITE OR ANY OF THE INFORMATION OR MATERIALS AVAILABLE ON THE WEBSITE, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION.

    YOU ACKNOWLEDGE THAT IN CONNECTION WITH YOUR USE OF THE WEBSITE, INFORMATION WILL BE TRANSMITTED OVER NETWORKS, ROUTERS, SERVERS AND OTHER DEVICES OWNED, MAINTAINED, OR SERVICED BY THIRD PARTIES OVER WHICH WE HAVE NO CONTROL.  ACCORDINGLY, WE WILL NOT BE LIABLE FOR ANY DELAY, FAILURE, INTERRUPTION OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE WEBSITE.
  14.  Governing Law. These Terms shall be governed by the laws of the State of Minnesota without regard to its conflicts of law provisions. You hereby irrevocably and unconditionally consent to the sole and exclusive jurisdiction of the courts of the State of Minnesota and of the United States of America located in the State of Minnesota for any litigation arising out of or relating to the Website or these Terms, waive any objection to the laying of venue of any such litigation in such court, and agree not to plead or claim in any such court that such litigation has been brought in any inconvenient forum.

This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Copyright © 2008-2026, Summit A•R, Inc.

Testimonial quotes from actual testimonial letters we've received from satisfied clients. The complete letters are on file in our office.