Horizon Financial Services Online Terms of Use
Last Updated: November 1, 2024
Horizon Financial Services provides website visitors with access to content, resources, communication tools, public forums, commerce platforms, and other services through its website at https://horizonfinancialservices.com (the “Website”). Horizon Financial Services provides its services subject to our Privacy Policy and the following Terms of Use.
1. Acceptance of Terms
By accessing or using the Website, you acknowledge that you have read and agree to these Terms of Use. If you do not agree, you must immediately discontinue use of the Website. These Terms may be revised at any time, and your continued use constitutes acceptance of any updates.
2. Privacy & Consumer Rights
Your use of the Website is also governed by our Privacy Policy. If you are a resident of California, Texas, Florida, Virginia, Colorado, Connecticut, Utah, Nevada, Illinois, New York, Massachusetts, Washington, or Oregon, you may have specific privacy rights under state laws. To review your rights, please see our Privacy Policy.
3. Marketing Communications & TCPA Compliance
- By providing your phone number, you agree to receive marketing calls and text messages from Horizon Financial Services, including those made using an autodialer or pre-recorded voice.
- Message & Data Rates May Apply.
- Opt-Out: Reply STOP to SMS messages or contact [email protected] to unsubscribe.
- Consent Not Required: You do not need to provide consent to use our services.
4. Financial Data & Credit Reporting Compliance (FCRA & GLBA)
- We comply with the Fair Credit Reporting Act (FCRA) when using consumer credit data.
- We comply with the Gramm-Leach-Bliley Act (GLBA) in protecting financial information.
- Your credit report may be accessed with your consent to verify eligibility.
- You have the right to dispute inaccurate credit information used in decision-making.
5. Biometric Data Compliance (BIPA, Texas, Washington)
- We obtain your consent before collecting biometric data.
- We do not sell or share biometric data.
- We securely store biometric data and delete it after three years of inactivity.
- You may request deletion of biometric data at any time.
6. Data Breach & Security Notification
- If we detect a data breach affecting your personal information, we will notify you within 30-45 days, as required by law.
- We will provide guidance on how to protect your identity.
- We will work with state and federal authorities to resolve security threats.
7. Do Not Track (DNT) Disclosure
Some browsers offer a “Do Not Track” (DNT) setting, which we currently do not respond to due to the lack of a uniform industry standard. However, you can opt out of certain tracking via browser settings.
8. Disclaimers & Limitations of Liability
- The Website is provided “as is” and “as available” without warranties of any kind.
- We do not guarantee that the Website will always be uninterrupted, error-free, or secure.
- Limitation of Liability: We are not liable for any damages resulting from your use of the Website.
- No Financial or Legal Advice: Content on the Website is for informational purposes only and should not be relied upon as financial or legal advice.
9. Third-Party Content & Links
The Website may contain links to third-party websites. We do not control, endorse, or assume responsibility for third-party content, products, or services.
10. Intellectual Property
- Copyright: All content on the Website is protected under copyright laws. You may not modify, reproduce, or distribute any material without written permission.
- Trademarks: Certain names, logos, and trademarks on the Website belong to Horizon Financial Services or third parties. Use without authorization is prohibited.
11. Termination & Violations of Terms
We reserve the right to terminate your access to the Website at any time for any violation of these Terms.
12. Jurisdiction & Governing Law
These Terms shall be governed by the laws of California, USA, without regard to conflict of law principles. All disputes shall be resolved in Orange County, California courts.
13. Contact Us
Email: [email protected]
Phone: 888-502-2428
Mailing Address: 949 South Coast Drive, Suite 101, Costa Mesa, CA 92626
By using our Website, you acknowledge that you have read and agreed to these Terms of Use. Please print and retain a copy for your records.
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.