Terms of Service

These Terms of Service ("Terms") govern your use of Horizon Home and Business Loan's website, services, and products ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please refrain from using our Services.

1. Eligibility:

You must be at least 18 years old and have the legal capacity to enter into contracts to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

2. Loan Products:

Our Services include various loan products, including but not limited to mortgages, small business loans, investment property financing, and debt consolidation solutions. These loan products are subject to approval based on eligibility criteria, creditworthiness, and compliance with applicable laws and regulations.

3. Application Process:

To apply for a loan through our Services, you must complete the application process, which may include providing personal and financial information, documentation, and consent to credit checks and background checks. We reserve the right to verify the accuracy of the information provided and reject or terminate applications that do not meet our criteria.

4. Loan Approval and Terms:

Loan approval is subject to underwriting and approval by Horizon Home and Business Loan. Approved loans are subject to specific terms and conditions, including interest rates, repayment terms, fees, and charges. These terms will be disclosed to you before you accept the loan offer.

5. Use of Funds:

Funds obtained through our Services must be used for lawful purposes, as disclosed in the loan agreement. Misuse of funds may result in the termination of the loan agreement and legal consequences.

6. Privacy Policy:

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose your personal information in connection with our Services.

7. Intellectual Property:

All content, materials, and intellectual property rights associated with our Services are owned or licensed by Horizon Home and Business Loan. You may not use, reproduce, distribute, or modify any content or materials from our Services without our prior written consent.

8. Limitation of Liability:

In no event shall Horizon Home and Business Loan be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our Services, whether based on warranty, contract, tort (including negligence), or any other legal theory.

9. Governing Law:

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law principles.

10. Modifications:

We reserve the right to modify or update these Terms at any time without prior notice. By continuing to use our Services after any changes to these Terms, you agree to be bound by the revised Terms.

11. Contact Us:

If you have any questions or concerns about these Terms or our Services, please contact us at info@horizonbusinessloan.com