Welcome to Horizon Lending Services of California, LLC, (,” “we,” or “our”). We value your privacy and are committed to safeguarding your personal information while providing you with a secure online experience. This Privacy Policy (the “Policy”) pertains to the HLS website and governs the collection and usage of data. By using the MSF website, you consent to the practices described in this Policy.
Collection of Your Personal Information
Horizon Lending Services collects personally identifiable information, such as your email address, name, home or work address, or telephone number. Additionally, HLS gathers anonymous demographic data, which is not unique to you, such as your ZIP code, age, gender, preferences, interests, and favorites.
We also automatically collect information about your computer hardware and software when you interact with Horizon Lending Services. This information includes your IP address, browser type, domain names, access times, and referring website addresses. We use this data to operate our services, maintain service quality, and provide general statistics on the use of the Horizon Lending Services website. This Policy covers both online and offline activities, encompassing information collected through our website, marketing events, online and in-person applications, among other methods.
Please be mindful that if you disclose personally identifiable information or sensitive data directly through any Horizon Lending Services public message boards, others may collect and use this information. This includes any data from your profile on third-party social networks (such as Facebook) that you allow the third-party social network to share with us. Note that HLS does not access your private online communications, such as direct messages sent to your loan officer.
We encourage you to review the privacy policies of websites linked to ours so you can understand how those sites collect, use, and share your information. HLS is not responsible for the privacy policies or content of websites outside the Horizon Lending Services family.
In all cases, we strive to limit the amount of information we collect and store to that which is necessary to provide you with relevant services.
What Information Is Collected?
The types of personal information we collect and share depend on the product or service you have with us.
Contact Forms: If you fill out a contact form on our site, we store that information in a database and use it to respond to your inquiry. Additionally, we collect phone contacts in the mobile app when you share the app.
Use of Your Personal Information
Horizon Lending Services collects and uses your personal information to operate our website and deliver the services you have requested. We may also use your personally identifiable information to inform you about other products or services available from us and our affiliates.
We do not sell, rent, or lease our customer lists to third parties. On occasion, HLS may contact you on behalf of external business partners about specific offerings that may interest you. In such cases, your unique personally identifiable information (e.g., email, name, address, telephone number) is not transferred to the third party. Additionally, we may share data with trusted partners for business purposes, such as statistical analysis, email or postal mail, customer support, or deliveries, among others. These third parties are prohibited from using your personal information except to provide services to Horizon Lending Services, and they are required to maintain the confidentiality of your information.
Horizon Lending Services does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
We monitor the websites and pages our customers visit within Horizon Lending Services to determine the most popular HLS services. This data is used to deliver customized content and advertising to customers whose behavior suggests an interest in a particular subject area.
Horizon Lending Services websites will disclose your personal information only if required by law or in good faith belief that such action is necessary to: (a) comply with the law or legal process served on Horizon Lending Services or the website; (b) protect and defend the rights or property of Horizon Lending Services; or (c) act under exigent circumstances to protect the personal safety of users of Horizon Lending Services or the public.
California Consumer Privacy Act (CCPA)
As of January 1, 2020, the California Consumer Privacy Act provides California residents with enhanced privacy rights. These rights include:
- Right to Know: Consumers in California have the right to know what information companies collect about them, its sources, uses, and disclosures.
- Right to Be Forgotten: Consumers can request the removal of their records from a business database.
- Right to Opt-Out: Businesses cannot sell or share your information if you exercise this right.
- Right to Non-Discrimination: Businesses cannot discriminate against you in price or service if you exercise your rights under CCPA.
You may make CCPA-related requests at this link CCPA Opt-Out, by sending an email to support@horizonlendingservices.com, or by calling 1-866-346-7677.
When you make a request, we may ask for verifying information, such as your name, email, or phone number. We will review the information provided and may request additional details via email or other means to ensure accurate identification. Please be aware that making such a request does not guarantee complete or comprehensive removal or deletion of personal information or content you may have posted, and there may be circumstances in which the law does not require or allow us to fulfill your request.
Please note that we do not accept or process requests through any other means (e.g., fax, social media, other email addresses, or telephone numbers, etc.).
Use of Cookies
The Horizon Lending Services website uses “cookies” to enhance your online experience. A cookie is a text file placed on your hard disk by a web page server. Cookies cannot run programs or deliver viruses to your computer. They are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie.
Cookies primarily serve the purpose of saving you time. They inform the web server that you have returned to a specific page. For instance, if you personalize HLS pages or register with Horizon Lending Services website or services, a cookie helps us recall your specific information during subsequent visits. This streamlines the process of recording your personal data, such as billing and shipping addresses. If you choose to decline cookies, please be aware that you may not fully experience the interactive features of Horizon Lending Services or websites.
Security of Your Personal Information
Horizon Lending Services safeguards your personal information from unauthorized access, use, or disclosure. We store personally identifiable information on secure computer servers in a controlled environment, protected from unauthorized access, use, or disclosure. When transmitting personal information, such as a credit card number, to other websites, we use encryption, including the Secure Socket Layer (SSL) protocol.
We Do Not Collect Information From Children
We do not knowingly solicit or collect any information from individuals under the age of 13. If you become aware that a child has provided us with personal information in violation of this Privacy Policy, please alert us at support@horizonlendingservices.com, and we will promptly remove the information from our records.
Changes to this Policy
Horizon Lending Services may periodically update this Privacy Policy to reflect company and customer feedback. We encourage you to review this Policy from time to time to stay informed about how we protect your information.
Contact Us
Horizon Lending Services values your feedback on this Policy. Whether you have inquiries or concerns about this notice, questions about the privacy of your nonpublic personal information submitted through this website, or wish to opt out of future communications from Horizon Lending Services, please reach out to us at the following address:
sharon@horizonlendingservices.com
2005 Overton Park Dr
Prosper Texas 75078
If you believe that Horizon Lending Services has not upheld this Statement, do not hesitate to contact us. We are committed to making commercially reasonable efforts to promptly assess and address any issues.
