Horizon Card Services Privacy Policy

This Website is brought to you by Horizon Card Services. Horizon Card Services respects the privacy of your personally identifiable information. To better protect your privacy, we provide this notice explaining our online information practices and the choices available to you concerning the way that we use the information collected online at this Website.

Information Collection and Use

We collect your personally identifiable information when you register or sign up to receive products and/or services at the Website, even if you do not complete your registration by clicking next/submit. The types of personally identifiable information that we collect at this Website, during registration and when you make a purchase include, without limitation, your name, street address, e-mail address, telephone numbers and billing account information. In addition, we may request information about your use of, or interest in, the types of products and services offered by the third-party advertisers with whom we have partnered to offer you the products and services available at this Website.

Any personal information that you submit at the Website remains your property. However, by submitting that information to us, you grant to us the right to use your personal information for any legal purpose including, without limitation: a) effectuating a purchase from Horizon Card Services that you make at the Website; b) transferring your personal information to a third party to effectuate a purchase from a third party advertiser at the Website; c) marketing purposes such as sharing your information with third party advertisers, partners, and associates; d) providing promotional offers to you by means of e-mail advertising, telemarketing, text messaging, direct mail marketing, pop-ups, pop-unders and/or online banner advertising. If you would like to be removed from these programs, please follow the opt-out instructions in these programs. By filling out or submitting a registration form or partial registration form you are consenting to receive offers from us and third marketers via email, telemarketing postal mail and or SMS text message wireless or other mobile offering to your cell phone. You understand that your wireless carrier's standard charges and rates apply to these messages. For SMS text messages, you may remove our information by replying 'stop', 'end', or 'quit' to the SMS text message you have received and we will remove your personal information within 10 days of receiving such request; e) tracking compliance with our Terms and Conditions; and f) for validation, suppression, content improvement and feedback purposes. You specifically authorize, and provide your express consent to receive, telemarketing calls from us and our third-party marketing partners, including auto-dialed calls, on your landline telephone and/or your cell phone (if number was provided). You understand that wireless carrier standard rates may apply to any calls to your cell phone. You agree that Horizon Card Services may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Website. We also reserve the right to release current or past member information in the event that we believe that this Website is being or has been used to commit unlawful acts, if the information is subpoenaed, if Horizon Card Services is sold or acquired or when we deem it necessary or appropriate. By agreeing to this Privacy Policy, you hereby consent to disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate, including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the requirements of the CAN-SPAM Act of 2003, as amended from time to time.

In connection with the products and services available for purchase at the Website, we will collect your billing account information. We will use your billing account information to bill you for your purchases and we may share your billing account information with third parties for the sole purpose of effectuating any transactions that you enter into at the Website. In addition, by submitting your billing account information to us, you authorize Horizon Card Services to periodically verify that your billing account continues to be a valid and active one by charging and, thereafter immediately crediting, a small sum to your account. Such verification may be conducted through a third party service provider and, in that case, Horizon Card Services will share your specific billing account information with this third party for verification purposes. Apart from the foregoing uses, Horizon Card Services reserves the right to share with other third parties the fact that we have billing account information on file for specific individuals, but we will not share the actual billing account information with other third parties without the applicable individual's prior informed consent.

In addition, you agree that by submitting your personal information at the Website, such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, making a purchase from, or requesting information from, a third party advertiser at or through the Website, such action shall constitute a purchase, an inquiry and/or an application with the respective third party advertiser for purposes of the ATSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third party advertiser in accordance with the ATSR.

We may share with third party advertisers certain Website usage information of individuals that have received targeted promotional campaigns for the purpose of formatting future campaigns and upgrading visitor information used in reporting statistics. For this purpose, we may track some of the pages that you visit on our Website through the use of pixel tags (also called clear gifs). By submitting information at and/or registering at this Website, you agree to allow us to share such Website usage information with third parties.

Horizon Card Services as an Agent

Please be advised that in certain circumstances, Horizon Card Services acts as a limited agent for the actual seller of the products and/or services available for purchase at or through the Website. In these circumstances: 1) you will be redirected to the applicable seller's website after you have completed the application page; 2) Horizon Card Services will collect and send your personal information to the respective seller in connection with completing your purchase from the seller; and 3) your purchase will subject you to the seller's privacy policy.

Third Party Links

Horizon Card Services does not endorse, nor is Horizon Card Services responsible for the accuracy of, the privacy policies and/or terms and conditions of each of the third party advertisers that may advertise at this Website. The entities that advertise and/or place banner ads at this Website including, but not limited to, these third party advertisers, are independent third parties and are not affiliated with Horizon Card Services.

Your Choices

You may request that we not share your information with third parties by visiting: https://www.horizoncardservices.com/unsubscribe.php and filling out the appropriate information. Please note that changing your preferences regarding the receipt of marketing communications from us will not prevent other companies with which we already have shared your information, including third party advertisers, from continuing to provide you with offers. When contacted by these companies, you should notify them directly of your choices regarding their use and sharing of your information. In addition, please note that if you subsequently sign up for another one of our product or service offerings, you will need to reconfirm any information sharing preferences that you have previously changed.

Non-Personally Identifiable Information

We may collect certain non-personally identifiable information about you when you visit many of the pages of this Website. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Firefox, Netscape, Internet Explorer, etc.), your IP address, the type of operating system that you use (e.g., Mac OS, Windows, Linux, etc.) and the domain name of your Internet service provider (e.g., America Online, EarthLink, Netzero, etc.).

We use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Website usage, as well as to offer you products and services. We also reserve the right to use aggregate or group data about our visitors for lawful purposes. Aggregate or group data is data that describes the demographics, usage and/or characteristics of our visitors as a group. By visiting and/or supplying your personal information at this Website, you agree to allow us to provide such aggregate data to third parties.

We also may use "cookies" to enhance your experience in using our Website. Cookies are text files that we place in your computer's browser to store your preferences. We use cookies to understand Website usage, to personalize your experience, and to improve the content and offerings on our Website.

Minors

We do not knowingly collect information from minors under the age of 18. No information should be submitted to, or posted at, this Website by individuals under 18 years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Security

We employ industry standard security measures to safeguard against unauthorized access to information that we collect online.

Acceptance

By using the Website and/or agreeing to receive information via e-mail from Horizon Card Services, you agree to this Privacy Policy. We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Website. Please check this page periodically for any changes. Your continued use of the Website and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.

Contact Us

If you have any questions regarding this statement, or would like more information on our privacy practices, please contact our Member Services department during normal business hours. To opt-out of any future messages please visit https://www.horizoncardservices.com/unsubscribe.php.

Dated: April 24, 2014

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