Horizon Financial Services Privacy Policy
Last Updated: November 1, 2024
Your privacy is important to us. This Privacy Policy explains how Horizon Financial Services (“Company,” “we,” “our,” or “us”) collects, shares, uses, and protects your information when you visit or use this website, social media pages, or any other online services that link to this policy (collectively, the “Services”).
By using our Services, you confirm your acceptance of this Privacy Policy and our [Terms of Use]. If you do not agree, please discontinue your use immediately.
1. Information We Collect
A. Personal Information We Collect
We may collect the following information when you visit or use our Services:
- Contact Information: name, email, phone number, mailing address.
- Financial Information: Social Security number, debt amounts, income, bank details.
- Identifiers: IP address, device details, browser type, cookies, etc.
- Biometric Data: voiceprints for authentication, fingerprint scans for security.
B. Automatic Data Collection
We may collect non-personal usage data, including:
- Browsing Activity: pages visited, time spent, clicks.
- Cookies & Tracking: web beacons, pixel tracking, behavioral analytics.
2. How We Use Your Information
We use your information to:
- Process applications and verify your identity.
- Prevent fraud and enhance security.
- Provide customer support and respond to inquiries.
- Send tailored marketing and promotional content.
- Comply with legal and regulatory obligations.
3. How We Share Your Information
We DO NOT SELL your personal information. However, we may share data with:
- Lenders & Financial Institutions: To process debt consolidation applications.
- Marketing & Analytics Providers: To improve advertising and user experience.
- Regulatory & Legal Authorities: When required by law or to prevent fraud.
You may opt-out of certain data sharing (see Section 4 below).
4. State-Specific Privacy Rights
A. California, Washington, Oregon, and Massachusetts Privacy Rights
These states have strong consumer privacy laws, giving you the right to:
- Know what personal data we collect and share.
- Delete personal information upon request.
- Opt-Out of data sharing (we do not sell your data).
- Non-Discrimination for exercising privacy rights.
To exercise your privacy rights, email us at: [email protected] with “Privacy Request – [Your State]” in the subject line.
B. Financial Privacy Protection (GLBA Compliance)
Under the Gramm-Leach-Bliley Act (GLBA), if you apply for a financial product or service, we will:
- Protect the confidentiality of your financial data.
- Provide an annual privacy notice describing how we handle your information.
- Give you the right to limit certain financial data sharing.
To request financial privacy rights, email: [email protected] with “GLBA Privacy Request” in the subject line.
5. TCPA & SMS Marketing Disclosure
By providing your phone number, you expressly consent to receive marketing calls and text messages, including those made using an autodialer or pre-recorded voice.
- Opt-Out Anytime: Reply STOP to SMS messages or email [email protected].
- No Purchase Condition: Consent is not required to purchase services.
- Message Frequency: Varies but no more than 10 messages per month.
If you do not wish to receive calls or texts, do not submit your phone number.
6. Third-Party Websites & Links
We are not responsible for third-party websites linked from our Services. Please review their privacy policies before providing information.
7. Data Security Measures
We use industry-standard security measures to protect your data, including:
- Encrypted transmissions for sensitive data.
- Secure servers & firewalls to prevent unauthorized access.
- Access controls to limit internal exposure.
However, the internet is inherently insecure. Please avoid sending sensitive data via unencrypted email.
8. Changes to This Privacy Policy
- We may update this policy periodically.
- The latest version will always be posted on this page.
- Continued use of our Services constitutes acceptance of updates.
9. Contact Us
Email: [email protected]
Phone: 888-502-2428
Mailing Address: 949 South Coast Drive, Suite 101, Costa Mesa, CA 92626
Let Us Find The Right Financial Solution For You
[email protected]
949 South Coast Drive, Suite 100, Costa Mesa, CA 92626
Important Legal Disclosures & Information
* Disclosures: Certain material on this website and the information it contains are in connection with unsecured, closed-end personal loans referred by Horizon Financial Services. All loan requests are funded by a third party. Horizon Financial Services has no control over any participating lender’s creditworthiness eligibility criteria. APR/interest rates will vary depending on your specific circumstances and each individual lender’s terms, and range from 4.99%–35.99%. Loan amounts range from $2,000 -- $100,000. Loan repayment terms range from 6 months to 60 months. Not all who respond to this offer will qualify for the lowest interest rate or the maximum loan amount, as excellent credit is required for the best terms.
Horizon Financial Services does not endorse any participating lender, broker, debt settlement provider, financial restoration or other provider, and will not charge you for referring you to any such participating provider. Horizon Financial Services is not a lender or creditor, and does not act as a loan broker, debt relief or settlement provider, financial restoration or credit counseling provider, or a credit services organization. Horizon Financial Services is not a law firm and does not provide legal or bankruptcy services or advice. Horizon Financial Services merely performs research related to its network of lenders, debt settlement providers, financial restoration professionals, and other service providers referenced on the website, and refers you to participating providers with whom you then deal directly. For details, questions, or concerns concerning the specifics of a particular offer, please contact the relevant provider. Lenders may perform credit checks in order to evaluate your eligibility. This service is not available in all states and does not constitute an offer or solicitation for loan products or any other service or product referenced on the website that is prohibited by any state law. Void where prohibited.
Based on past results, individuals that enroll in a debt settlement program and remain in through graduation from the program see savings on their enrolled debts of approximately 40% before fees or 22% when the debt settlement company’s fees are included. There is no guarantee of such savings. Not all debt is eligible and not all clients graduate the program for various reasons, including ability to save the necessary funds. Ensure you understand all program materials prior to enrolling, including the potential impact on creditworthiness.
Lenders we refer to you may be unable to extend credit if the lender determines that you do not meet, or no longer meet, the criteria for which you were initially approved for an offer. Loan approval is subject to verification and confirmation of certain information, including, but not limited to, your identity, credit history, and acceptance by the lender. Horizon Financial Services or relevant lenders may request verification of relevant information, including income, employment, or other information. Your APR will be determined based on verification of your credit and other criteria at time of completing the lender’s loan application.
** In order to check your loan options with the lenders in Horizon Financial Services’s network, Horizon Financial Services will perform a “soft” credit pull, which will not affect your credit score, to review certain of your credit report information. Horizon Financial Services will use the information obtained from this soft credit pull to determine the options available to you. If you decide to proceed with one of the available loan options, and choose to complete a loan application, the lender will request your full credit report from one or more of the consumer reporting agencies. This is considered a “hard” credit pull and may affect your credit score.