Terms of Service

Effective Date: April 2, 2026

Last Updated: September 15, 2026

IMPORTANT LEGAL NOTICE: PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING OUR SERVICES. BY ACCESSING OR USING SUMMITDESK, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT ACCESS OR USE OUR SERVICES. THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

1. Agreement to Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your," whether an individual or entity) and SummitDesk, Inc. ("SummitDesk," "Company," "we," "us," "our"), governing your access to and use of the SummitDesk website (summitdesk.io), web applications, mobile applications, APIs, and all related services, features, content, and products (collectively, the "Services").

By creating an account, accessing, or using the Services, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity and authority to enter into this Agreement; (c) if acting on behalf of an entity, you have authority to bind that entity; and (d) all information you provide is accurate and current.

2. Description of Services

SummitDesk provides cloud-based dealership management software including but not limited to:

  • Deal Structuring: Vehicle desking, payment calculations, quote generation, and customer presentation workflows
  • Valuation & Profit Tools: SummitValue appraisal support and deal-level F&I product workflows
  • Deal Tracking: TrackLine deal history, pipeline management, and career portability
  • Performance & Intelligence: Pulse dashboards, Performix analytics, SummitIQ insights, and related reporting tools
  • Operational Tools: Dealer configuration and the dealership workflows available in your plan. Inventory and reconditioning modules labeled Coming Soon are not included as available services.
  • Integrations: Billing, data providers, DMS-related utilities, and other approved third-party integrations

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time without prior notice or liability.

During the Founding Release, some features may be identified as beta, preview, or still being completed. Those features may change, contain errors, or be temporarily unavailable. Report a problem to support@summitdesk.io; we prioritize issues that block an active dealership workflow, but do not promise a specific response or resolution time unless a separate written service-level agreement says otherwise.

3. Account Registration and Security

3.1 Account Creation

To use certain features of the Services, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are solely responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Immediately notifying us of any unauthorized access or security breach
  • Ensuring all users under your organization comply with these Terms

We shall not be liable for any loss or damage arising from your failure to maintain account security.

3.3 Account Termination

We reserve the right to suspend or terminate your account immediately, without prior notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or pose a security risk.

4. Subscription Plans and Payment

4.1 Plans

  • Free Tier: A limited operational foothold with reduced features and usage
  • Solo Plus: The qualifying core paid plan for individual professionals
  • Solo Pro: An expanded paid plan for advanced individual workflows
  • Indie / Franchise: The qualifying core paid plan for dealership teams
  • Indie Pro / Franchise Pro: An expanded paid plan for rooftop intelligence and management workflows
  • Enterprise: Sales-assisted or custom-priced agreements for larger organizations

4.2 Billing and Payment

Qualifying Indie, Indie Pro, Franchise, and Franchise Pro subscriptions receive one 30-day trial per dealership, and that trial does not require a payment method to start. Qualifying paid Solo subscriptions receive one 14-day trial per solo account, and checkout requires a payment method unless a promotion code entered in SummitDesk covers the full price. The checkout page controls if a trial applies and shows its length and recurring price. The subscription is not charged during a trial. Trial access includes the features of the selected plan. Usage during a trial is subject to trial limits, which can differ from the selected plan's paid monthly allowances; included SummitIQ usage, VIN decodes, and third-party data lookups remain limited. Canceling and resubscribing does not renew trial eligibility. Trial plan changes retain the original trial end date. If a payment method is on file when a trial ends, the selected plan begins monthly renewal at the amount shown at checkout unless canceled before the trial ends. If a dealership trial ends with no payment method on file and an amount is due, the subscription pauses, access to that dealership's workspace is suspended, and nothing is charged until a plan is chosen and paid for. Cancellation takes effect at the end of the current trial or paid period, and paid-period downgrades take effect at the end of the current paid period. Lower paid-tier requests are arranged through support@summitdesk.io; billing settings let you cancel renewal. The Billing and Refund Policy describes these procedures and billing-error reviews.

  • Paid subscriptions are billed in advance on the cadence presented at checkout
  • Payments are processed securely through Stripe
  • Paid subscriptions automatically renew unless canceled before the next renewal date
  • Standard pricing may change on a prospective basis with at least 30 days' notice
  • SummitDesk offers founding pricing to the first 50 dealerships that start Indie, Indie Pro, Franchise, or Franchise Pro while founding spots remain, one per dealership. It cannot be transferred to another dealership
  • Founding pricing is 50% off the list price for the first six paid monthly invoices, then 25% off the list price while the subscription remains continuously active. SummitDesk applies it before the dealership's first paid invoice. It is not shown on the checkout page, so an invoice with founding pricing is lower than the amount shown at checkout
  • Founding pricing ends when the dealership cancels, and it does not return unless SummitDesk expressly reinstates it
  • Solo plans, free accounts, Enterprise agreements, add-ons, future modules, and other non-core pricing do not receive founding pricing unless SummitDesk expressly states otherwise
  • A one-time promotion offered by SummitDesk can be combined with founding pricing under that promotion's terms.
  • All fees are exclusive of taxes, which you are responsible for paying

4.3 Failed Payments

If payment fails, we will attempt to charge the payment method on file for up to 7 days. If payment cannot be collected, your account may be downgraded or suspended until payment is received.

4.4 Refunds

All fees are generally non-refundable except as expressly set forth herein or required by law.No refunds will be provided for partial billing periods, unused features, or early termination. If a trial is offered, the subscription is not charged during the trial. If a payment method is on file when the trial ends, you must cancel before the trial ends to avoid the first charge. In cases of documented service outages exceeding 24 consecutive hours, pro-rata credits may be issued at our sole discretion.

5. Data Rights and Licensing

5.1 Your Data

You retain ownership of all data, content, and information you input into the Services ("Your Data"). By using the Services, you grant SummitDesk a non-exclusive, worldwide, royalty-free license to use, process, store, and display Your Data solely to provide the Services to you.

5.2 Aggregated and Anonymized Data

IMPORTANT DATA LICENSE: BY USING THE SERVICES, YOU GRANT SUMMITDESK AN IRREVOCABLE, PERPETUAL, WORLDWIDE, ROYALTY-FREE LICENSE TO AGGREGATE, ANONYMIZE, AND DE-IDENTIFY YOUR DATA AND TO USE SUCH ANONYMIZED DATA FOR ANY LAWFUL PURPOSE, INCLUDING BUT NOT LIMITED TO: MARKET RESEARCH, ANALYTICS, BENCHMARKING, PRODUCT DEVELOPMENT, AND COMMERCIAL SALE OR LICENSING TO THIRD PARTIES. ANONYMIZED DATA SHALL NOT BE CONSIDERED YOUR DATA OR PERSONAL INFORMATION. YOU ACKNOWLEDGE THAT SUMMITDESK MAY DERIVE COMMERCIAL VALUE FROM SUCH ANONYMIZED DATA. YOU MAY OPT OUT OF COMMERCIAL DATA SHARING BY ADJUSTING YOUR SETTINGS, BUT OPTING OUT DOES NOT AFFECT PREVIOUSLY ANONYMIZED DATA OR OUR RIGHT TO USE DATA FOR INTERNAL PURPOSES.

5.3 Data Portability

You may export Your Data at any time through the Settings → Data & Privacy section of your account. Upon account termination, Your Data will be retained for 90 days before permanent deletion, unless longer retention is required by law.

6. Acceptable Use Policy

You agree NOT to use the Services to:

  • Violate any applicable local, state, national, or international law or regulation
  • Infringe upon any third party's intellectual property, privacy, or other rights
  • Transmit any virus, malware, or harmful code
  • Attempt to gain unauthorized access to our systems or other users' accounts
  • Interfere with or disrupt the Services or servers or networks connected to the Services
  • Scrape, crawl, or use automated means to access the Services without our prior written consent
  • Reverse engineer, decompile, or disassemble any portion of the Services
  • Resell, sublicense, or provide access to the Services to third parties without authorization
  • Use the Services for any discriminatory, fraudulent, or deceptive purpose
  • Submit false, misleading, or inaccurate information
  • Harass, abuse, or harm any individual
  • Circumvent any security measures or access controls

7. Intellectual Property

7.1 SummitDesk Property

The Services, including all software, content, features, functionality, designs, graphics, trademarks, service marks, and logos, are and shall remain the exclusive property of SummitDesk and its licensors. The Services are protected by copyright, trademark, trade secret, and other intellectual property laws.

7.2 Limited License

Subject to these Terms, SummitDesk grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes during your subscription term.

7.3 Restrictions

You shall not:

  • Copy, modify, or distribute the Services or any portion thereof
  • Create derivative works based on the Services
  • License, sell, rent, lease, or transfer the Services
  • Remove or alter any proprietary notices or labels

8. AI Tools and Disclaimers

CRITICAL DISCLAIMER: AI-GENERATED OUTPUTS, INCLUDING BUT NOT LIMITED TO VALUATIONS, RECOMMENDATIONS, MARKET ANALYSES, AND PREDICTIONS, ARE ESTIMATES ONLY AND ARE PROVIDED FOR INFORMATIONAL PURPOSES. AI OUTPUTS ARE NOT GUARANTEES, WARRANTIES, OR PROFESSIONAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL AI OUTPUTS BEFORE RELYING ON THEM. SUMMITDESK DISCLAIMS ALL LIABILITY FOR DECISIONS MADE BASED ON AI OUTPUTS.

  • AI tools are provided "as-is" without warranty of accuracy, completeness, or fitness for any purpose
  • AI outputs may contain errors, biases, or inaccuracies
  • You must independently verify all AI-generated information
  • Compliance with applicable laws (e.g., Fair Credit Reporting Act, Equal Credit Opportunity Act) is your responsibility
  • SummitDesk is not liable for any damages arising from reliance on AI outputs

9. Warranties and Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SUMMITDESK DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. SUMMITDESK DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU USE THE SERVICES AT YOUR OWN RISK.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SUMMITDESK, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION: LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES; BUSINESS INTERRUPTION; COST OF SUBSTITUTE SERVICES; OR ANY DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL SUMMITDESK'S TOTAL AGGREGATE LIABILITY EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO SUMMITDESK IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

11. Indemnification

You agree to indemnify, defend, and hold harmless SummitDesk and its directors, officers, employees, agents, partners, suppliers, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

  • Your use or misuse of the Services
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Your violation of any third-party rights
  • Any content or data you submit through the Services
  • Any claims by your customers, employees, or third parties

12. Arbitration and Dispute Resolution

BINDING ARBITRATION: ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES. THE ARBITRATION SHALL BE CONDUCTED IN TENNESSEE BY A SINGLE ARBITRATOR. THE ARBITRATOR'S DECISION SHALL BE FINAL AND BINDING. JUDGMENT ON THE AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION.

CLASS ACTION WAIVER: YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Exceptions: Either party may seek injunctive relief in any court of competent jurisdiction for infringement of intellectual property rights.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. To the extent arbitration is not applicable, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through the Services at least 30 days before they take effect. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Services.

15. Termination

15.1 Termination by You

You may cancel your subscription through your account settings. Cancellation takes effect at the end of your current trial or paid period, with no routine prorated refunds, except for billing errors or refunds required by law. Founding pricing ends when the dealership cancels or as otherwise described in Section 4.2, and it does not return unless SummitDesk expressly reinstates it.

15.2 Termination by SummitDesk

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.

15.3 Effects of Termination

Upon termination:

  • Your right to access the Services terminates immediately
  • You remain liable for all amounts owed
  • Sections that by their nature should survive will survive termination
  • Your Data will be retained for 90 days, then permanently deleted

16. Miscellaneous Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, the Dealer Data Processing Agreement for dealership customer data, and any other agreements expressly incorporated by reference, constitute the entire agreement between you and SummitDesk regarding the Services.

16.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

16.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

16.5 Force Majeure

SummitDesk shall not be liable for any failure or delay resulting from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, or internet failures.

16.6 Notices

Notices to SummitDesk must be sent to legal@summitdesk.io. Notices to you will be sent to the email address associated with your account.

17. Contact Information

For questions about these Terms:

  • Email: legal@summitdesk.io
  • Support: support@summitdesk.io
  • Phone: 1-800-SUMMIT-0
  • Mail: SummitDesk, Inc., Attn: Legal Department, Nashville, TN 37201

18. Text Messaging Program

SummitDesk, Inc. operates a text messaging program called "SummitDesk Account Texts." Messages are sent from the toll-free number +1 (888) 676-1993 to the personal mobile number that an individual SummitDesk user has added and verified on their own profile. We do not text dealership main lines, shared numbers, or your customers, and a dealership cannot enroll an employee's number on that employee's behalf. Enrollment is optional and is not required to purchase or use the Services.

18.1 The Two Kinds of Messages

  • Codes you request. A one-time sign-in code you asked us to text you, or the code that confirms you control a mobile number you are adding to your profile. You receive one message per request. Requesting a code does not enroll you in account notifications.
  • Account notifications you enable. Recurring messages telling you that something happened on your own account — for example that a manager sent you a quote or an appraisal, or that a deal was assigned to you. These are off by default and are sent only after you separately turn them on in Settings. Message frequency varies with your account activity.

Message and data rates may apply. Any charge for a text message comes from your wireless carrier, not from SummitDesk.

18.2 Help

Reply HELP to a message from +1 (888) 676-1993 for help information, or contact SummitDesk support at michael@summitdesk.io with any question about the text messaging program.

18.3 Stopping Messages

You may withdraw your consent to account notifications at any time by turning the option off in Settings, or by removing your mobile number from your profile. You may also reply STOP to +1 (888) 676-1993. Replying STOP stops every text from that number, including the sign-in and verification codes you request. If you later reply START or UNSTOP to that number, the carrier-level block is lifted so codes you request can be delivered again; that reply alone does not re-enroll you in account notifications. To receive account notifications again you must turn the option back on in Settings.

18.4 Email Remains Available

Text messaging is never the only way into your account. Sign-in verification codes and account recovery are always available by email, including whenever text messaging is unavailable, undeliverable, or blocked because you replied STOP.

18.5 Delivery

Wireless carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier, your device, and your coverage, and SummitDesk cannot guarantee that any particular message arrives or arrives on time.

18.6 Privacy

How we collect, use, and retain your mobile number, your consent record, and our message delivery records is described in the Privacy Policy. Text messaging opt-in data and consent are never shared with third parties.

19. Acknowledgment

BY CREATING AN ACCOUNT OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS CONSTITUTE THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN YOU AND SUMMITDESK AND SUPERSEDE ALL PRIOR PROPOSALS, REPRESENTATIONS, AND COMMUNICATIONS, WHETHER ORAL OR WRITTEN.