Welcome to the Horizon Funding website (“Site”). This Site is owned and operated by Horizon Funding, a licensed mortgage brokerage company. By accessing, browsing, or otherwise using this Site, you acknowledge that you have read, understood, and agree to comply with the following Terms and Conditions. If you do not agree with any part of these terms, we respectfully ask that you refrain from using our Site.

The following terms apply to all visitors, clients, and prospective clients. These Terms and Conditions are intended to protect both you and Horizon Funding by setting clear expectations for responsible use and engagement with our content, services, and communications. Your continued use of this Site constitutes your agreement to these Terms.

Use of Website and Content

This Site and the materials contained herein are provided for general informational purposes only. They are not intended to substitute for professional financial, legal, or lending advice. While we strive to keep all information current and accurate, Horizon Funding makes no guarantees or representations regarding the accuracy, completeness, or timeliness of any information or content on the Site.

The materials on this Site—including, but not limited to, articles, calculators, tools, downloadable guides, and blog content—are provided "as-is" and may be updated, modified, or removed at any time without notice. Horizon Funding reserves the right to restrict access to certain portions of the Site or suspend access altogether without liability.

You agree to use this Site only for lawful purposes. Any attempt to disrupt the integrity or security of this Site, access data not intended for your use, or interfere with its proper functioning is strictly prohibited.

No Guarantee of Loan Approval or Offer

Submitting an inquiry through this Site does not constitute a loan application and does not obligate Horizon Funding to extend credit or make a loan offer. Any information provided by prospective borrowers through our online forms is preliminary and subject to full review by licensed professionals. Loan approvals are contingent upon a full underwriting review, including verification of income, assets, creditworthiness, property condition, and other required documentation.

Interest rates, loan terms, and program availability are subject to change without notice and may vary depending on the borrower's individual financial profile and market conditions. Any sample payments or quotes displayed on this Site are for illustrative purposes only and should not be interpreted as a binding offer or guarantee.

Fair Lending and Equal Opportunity

Horizon Funding is committed to promoting equal access to housing and credit. We adhere to all federal and state fair lending laws, including the Equal Credit Opportunity Act and the Fair Housing Act. We do not discriminate against any applicant based on race, color, religion, national origin, sex, marital status, familial status, disability, age, sexual orientation, gender identity, or because all or part of the applicant’s income is derived from any public assistance program.

All applicants are considered on the basis of their individual qualifications, credit profile, and ability to meet underwriting standards.

Intellectual Property and Use Restrictions

All content contained on this Site—including logos, text, graphics, images, videos, software, and design elements—is the exclusive property of Horizon Funding or its licensed content providers. This content is protected by copyright, trademark, and other applicable intellectual property laws.

You may view or print pages from the Site for your own personal and non-commercial use. However, you may not copy, distribute, modify, transmit, publish, display, or create derivative works from any part of this Site without prior written consent from Horizon Funding.

Misuse of the Site's content or branding, including unauthorized use of our company name or logo, may result in legal action.

Third-Party Links and Resources

For your convenience, the Horizon Funding Site may contain links to external websites or resources operated by third parties. These links are provided solely as a courtesy and do not imply any endorsement or affiliation with the linked websites. Horizon Funding has no control over the content, security, or practices of third-party sites and assumes no responsibility for your interactions with them.

We encourage users to review the terms and privacy policies of any third-party websites they visit through links on our Site, as their policies may differ from ours.

Privacy and Data Use

We are committed to protecting your personal information and handling your data responsibly. Any information you submit through our Site is subject to our Privacy Policy, which explains how your data may be collected, used, shared, and protected.

By using this Site, you consent to the practices outlined in our Privacy Policy. If you submit personal information through a form or inquiry, you authorize Horizon Funding to contact you via phone, email, or text message using the information provided.

Disclaimers and Limitations of Liability

This Site is provided on an “as is” and “as available” basis. Horizon Funding makes no warranties or representations of any kind, express or implied, regarding the operation of the Site, the accuracy of its contents, or the suitability of the information provided for any particular purpose.

To the fullest extent permitted by law, Horizon Funding disclaims all warranties, including but not limited to implied warranties of merchantability and fitness for a particular purpose. We shall not be liable for any damages arising from your use of—or inability to use—the Site, including but not limited to indirect, incidental, punitive, or consequential damages, even if we were advised of the possibility of such damages.

You assume full responsibility for any risk associated with your use of this Site.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to any conflict of law provisions. Any legal action or proceeding arising out of your use of this Site shall be brought exclusively in a court of competent jurisdiction located in the State of Arizona.

If any part of these terms is found to be invalid or unenforceable by a court, the remaining provisions shall remain in full force and effect.