Perk Privacy Policy

Summer Jib LLC, a Wyoming limited liability company, operates Perk. This policy explains how we collect, use, share, and protect information when you use Perk, related website pages, support channels, and app services.

Perk uses Plaid to let you connect supported financial institutions. Plaid handles the connection flow and user consent with your institution. Perk receives data authorized through Plaid, but Perk does not receive or store your bank username or password.

Perk is designed around sensitive financial information. We use financial data only to provide and improve Perk, maintain security, troubleshoot account-linking, and comply with legal obligations. Perk is not a bank, card issuer, credit reporting agency, lender, or financial advisor.

We do not sell personal information, and we do not share personal information for cross-context behavioral advertising. We may share information with service providers that help us operate the apps and website, including cloud hosting, authentication, analytics, crash reporting, payments, app security, email delivery, and customer support.

We may disclose information if required by law, to protect users or the services, to investigate abuse or security issues, or as part of a merger, financing, acquisition, reorganization, or sale of assets, subject to appropriate protections.

We use reasonable technical and organizational safeguards designed to protect personal information, including encryption in transit and access controls. Some sensitive credentials, such as Plaid access tokens used by Perk, are encrypted before storage.

We keep information for as long as reasonably needed to provide the services, comply with law, resolve disputes, maintain security, and support legitimate business records. When you delete an account, we delete or de-identify account data unless retention is required or permitted by law, security, fraud prevention, backup integrity, billing records, or dispute handling.

Depending on where you live, you may have rights to request access, correction, deletion, portability, restriction, objection, withdrawal of consent, or additional information about how we process personal information. You may also have the right to complain to a privacy regulator.

California residents may request to know, access, delete, or correct personal information, opt out of sale or sharing, limit certain uses of sensitive personal information where applicable, and exercise privacy rights without discrimination. Because we do not sell personal information or share it for cross-context behavioral advertising, we do not provide a separate sale/share opt-out link.

EEA and UK users may request access, rectification, erasure, restriction, portability, objection, and withdrawal of consent where processing is based on consent. Where we rely on legitimate interests, you may object to processing based on your particular situation.

To exercise privacy rights, contact admin@summerjib.com. We may need to verify your request before acting on it.

The services are intended for users who are at least 13 years old. We do not knowingly collect personal information from children under 13. If you believe a child provided personal information to us, contact us and we will take appropriate steps.

We operate from the United States and may process information in the United States and other countries where our service providers operate. Those countries may have different data protection laws than your place of residence.

We may update this policy as our apps, vendors, or legal requirements change. The updated version will be posted with a new last updated date. If changes are material, we will provide additional notice where required.