Welcome to Horizon Lending Services, where your mortgage needs are met with excellence. Our Terms of Service Agreement (“Agreement”) is a legally binding contract between you (“User” or “you”) and Horizon Lending Services (“Horizon Lending,” “we,” “us,” or “our”). By utilizing the Horizon Lending Services website (the “Site”), you affirm your consent to be governed by the terms and conditions presented herein. We encourage you to peruse this Agreement diligently before you access or engage with the Site. Should you disagree with these terms, we kindly request that you refrain from using the Site.
- Acceptance of Terms
1.1 Eligibility: To access this Site, you must be at least 18 years old. Your use of the Site confirms that you meet this age requirement.
1.2 Agreement Amendments: Horizon Lending Services reserves the prerogative to revise, modify, or update this Agreement at any time, sans prior notice. Any alterations to the Agreement will take immediate effect upon their publication on the Site. Your continued utilization of the Site following such changes signifies your acceptance thereof.
- Use of the Website
2.1 No Account Required: You are not required to create an account to access and use the features of the Site. Enjoy the website without the need for an account.
2.2 Security Awareness: While there is no account creation obligation, we still advise you to exercise caution and protect your personal information. Be mindful of the confidentiality of any data you share and report any security concerns promptly to Horizon Lending Services.
- Mortgage Services
3.1 Informational Content: Horizon Lending Services delivers mortgage-related information, tools, and resources through the Site. HLS originates and furnish mortgages, proffer financial advice, and dispense legal counsel. However, any information disseminated on the Site is purely for informative purposes and should not be perceived as a substitute for professional guidance.
3.2 Electronic Communications: By using the Site, you provide your consent to receive communications from Horizon Lending Services through various electronic means, including but not limited to email, text messages, phone calls, voicemail drops, postal and any other forms of communication. Standard messaging and call charges may apply for text messages and phone calls, and you retain the option to opt out of receiving such communications at any time by following the instructions provided within the messages or by contacting us through the methods mentioned in this Terms of Use. You may also opt-out by replying STOP, Unsubscribe, Remove Me to any of communications. In some cases, it may take 14 business days to remove you.
- Privacy and Data Collection
4.1 Privacy Policy: Your engagement with the Site is also subject to our Privacy Policy, delineating our practices in collecting, utilizing, and disclosing your personal information. It is imperative that you peruse our Privacy Policy to comprehend how we manage your data.
- Intellectual Property
5.1 Ownership: All content and materials featured on the Site, including text, graphics, logos, and images, are the property of Horizon Lending Services or its licensors, safeguarded by copyright, trademark, and other intellectual property laws.
5.2 Restricted License: You are granted a restricted, non-exclusive, and non-transferrable license to access and employ the Site for personal, non-commercial purposes. The reproduction, modification, distribution, or creation of derivative works based on the Site’s content necessitates our prior written consent.
- Disclaimers
6.1 No Guarantee: The information dispensed on the Site is provided “as is,” without any expressed or implied warranties. Horizon Lending Services does not guarantee the accuracy, comprehensiveness, or dependability of any information on the Site.
- Limitation of Liability
7.1 Extent of Liability: To the fullest extent sanctioned by the law, Horizon Lending Services and its affiliates, officers, directors, employees, and agents shall not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages stemming from or connected with your use of the Site or any information disseminated on the Site.
- Indemnification
8.1 Assumption of Responsibility: You agree to indemnify and absolve Horizon Lending Services and its affiliates, officers, directors, employees, and agents from any claims, liabilities, losses, damages, costs, and expenses (including attorneys’ fees) resulting from your Site usage, violation of this Agreement, or infringement of third-party rights.
- Termination
9.1 Termination Authority: Horizon Lending Services retains the prerogative to suspend or terminate your Site access at its sole discretion, with or without cause, and with or without prior notification.
- Governing Law and Jurisdiction
10.1 Legal Jurisdiction: This Agreement is subject to interpretation and enforcement in accordance with the laws of [Your State/Country], without regard to conflict of law principles. Any disputes arising in connection with this Agreement shall fall under the exclusive jurisdiction of the state and federal courts situated within [Your Jurisdiction].
- Contact Information
11.1 Communication Channels: For inquiries or concerns regarding these Terms of Service, please reach out to us at sharon@horizonlendingservices.com or 2005 Overton Park Dr Prosper Texas 75078.
By availing yourself of the Horizon Lending Services website, you acknowledge your comprehension of and consent to these Terms of Service.
Last Updated: 09/30/2023
While this comprehensive Terms of Service agreement offers enhanced protection for your mortgage website, it is advisable to consult with a legal professional for further customization and legal compliance. Additionally, ensure that you keep your Terms of Service updated and inform users of any modifications.
