Terms & Conditions
These Terms & Conditions govern your access to and use of the Secured Horizon website, products, and services. By accessing our website, you acknowledge that you have read, understood, and agree to be bound by these terms.
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Agreement Overview
These Terms & Conditions govern your access to and use of the Secured Horizon website, products, and services. By accessing or using our website, you agree to comply with these terms, our Privacy Policy, and all applicable laws and regulations.
Acceptance of Terms
Your continued use of the Secured Horizon website constitutes your acceptance of these Terms & Conditions and any future updates.
User Responsibilities
Users are expected to provide accurate information, use the website lawfully, and refrain from activities that could harm our services or other users.
Mortgage Information
The information available on our website is intended for informational purposes only and should not be considered financial, legal, or professional advice.
Applicable Laws
Your use of the website is subject to applicable federal, state, and local laws, as well as these Terms & Conditions.
Dispute Resolution
Any disputes arising from your use of our website will be handled in accordance with the governing law and jurisdiction described in these Terms.
Website Availability
Secured Horizon strives to maintain reliable services but does not guarantee uninterrupted or error-free access to the website at all times.
Important Notice
Please read these Terms & Conditions carefully before using the Secured Horizon website. If you do not agree with any part of these terms, you should discontinue using our website and services.
Acceptance of Terms
By accessing, browsing, or using the Secured Horizon website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree with these terms, you should discontinue use of our website and services immediately.
Agreement to These Terms
Your access to and continued use of the Secured Horizon website constitutes your acceptance of these Terms & Conditions in their entirety.
Binding Agreement
These Terms & Conditions create a legally binding agreement between you and Secured Horizon governing your use of our website and services.
Compliance Required
You agree to comply with all applicable federal, state, and local laws, regulations, and these Terms while using our website.
Acceptance Through Use
Your continued browsing, submitting information, or interacting with our website indicates your ongoing acceptance of these Terms & Conditions.
Updates to Terms
We may update these Terms & Conditions from time to time. Continued use of our website after changes become effective constitutes acceptance of the revised Terms.
Responsible Use
By using our website, you agree to use it responsibly, lawfully, and in a manner that does not interfere with the rights or experience of other users.
Acceptance Notice
If you do not agree with any provision of these Terms & Conditions, you must immediately discontinue using the Secured Horizon website and any related services.
Eligibility & Website Use
By accessing or using the Secured Horizon website, you represent that you meet the eligibility requirements outlined below and agree to use our website and services responsibly and in compliance with these Terms & Conditions.
Minimum Age Requirement
You must be at least 18 years of age, or the legal age of majority in your jurisdiction, to use our website or request financial services.
Accurate Information
You agree to provide complete, accurate, and current information when submitting inquiries, applications, or other information through our website.
Lawful Use Only
Our website and services may only be used for lawful purposes and in accordance with all applicable federal, state, and local laws and regulations.
Authorized Access
You are responsible for maintaining the confidentiality of any account credentials and for all activities conducted under your account.
Service Availability
Some products, services, or features may not be available in every state or jurisdiction and may be subject to additional eligibility requirements.
Acceptance of Terms
By continuing to use this website, you acknowledge that you have read, understood, and agree to comply with these Terms & Conditions.
Eligibility Notice
Secured Horizon reserves the right to refuse, suspend, or terminate access to its website or services if we determine that a user has provided inaccurate information, violated these Terms & Conditions, or is otherwise ineligible to use our services.
Mortgage & Financial Disclaimer
Secured Horizon provides educational resources and connects users with mortgage-related services. We do not act as a lender, broker, financial advisor, or legal advisor unless expressly stated. All mortgage and financing decisions are made solely by participating lenders and financial institutions.
Informational Purposes Only
The information available on this website is provided for general informational and educational purposes only and should not be considered financial, legal, tax, or professional advice.
No Lending Decisions
Secured Horizon does not make lending decisions, approve or deny loan applications, determine creditworthiness, or establish loan terms.
No Guarantee of Approval
Submitting an inquiry or application through our platform does not guarantee loan approval, financing, interest rates, or eligibility for any mortgage program.
Independent Lenders
Mortgage products, interest rates, fees, and approval decisions are determined solely by participating lenders based on their own underwriting guidelines and applicable regulations.
Verification Required
Users are responsible for verifying all loan terms, disclosures, repayment obligations, and financial information directly with the lender before entering into any agreement.
Market Changes
Mortgage rates, loan programs, qualification requirements, and lending policies may change without notice and may vary based on individual circumstances and market conditions.
Important Financial Disclaimer
Secured Horizon does not guarantee the availability of any mortgage product, financing option, or lending outcome. Users should consult qualified financial, legal, or tax professionals before making important financial decisions.
User Responsibilities
By using the Secured Horizon website and services, you agree to use our platform responsibly, lawfully, and in accordance with these Terms & Conditions. You are responsible for your actions, the information you provide, and maintaining the security of your account where applicable.
Provide Accurate Information
You agree to provide complete, current, and accurate information when submitting inquiries, applications, or communicating with Secured Horizon. Providing false or misleading information may result in the suspension or termination of your access.
Maintain Account Security
If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
Lawful Use
You agree to use the website only for lawful purposes and in compliance with all applicable federal, state, and local laws, regulations, and industry standards.
Respect Other Users
You must not interfere with the rights, privacy, or experience of other users or engage in conduct that disrupts the operation or security of the website.
Cooperate with Verification
Where required, you agree to provide additional documentation or information necessary to verify your identity or eligibility for requested services.
Responsibility for Activities
You are solely responsible for all actions taken through your account or while using our website, including compliance with these Terms & Conditions.
Important Notice
Failure to comply with these responsibilities may result in the suspension or termination of your access to the Secured Horizon website and services, in addition to any other remedies available under applicable law.
Acceptable Use
To maintain a secure, reliable, and trustworthy platform, you agree to use the Secured Horizon website responsibly and refrain from any activity that could harm our services, customers, or business operations.
No Fraudulent Activity
Do not submit false, misleading, or fraudulent information when requesting mortgage or financial services.
No Unauthorized Access
Do not attempt to gain unauthorized access to our systems, accounts, networks, or confidential information.
No Malware or Harmful Code
Do not upload, transmit, or distribute viruses, malware, ransomware, or other malicious software through our website.
No Website Abuse
Do not interfere with the operation, security, or performance of the website through automated attacks, scraping, or excessive requests.
Respect Intellectual Property
Do not copy, reproduce, distribute, or misuse Secured Horizon's content, trademarks, branding, or proprietary materials without permission.
Compliance with Applicable Laws
You agree to use our website and services only for lawful purposes and in accordance with all applicable federal, state, and local laws.
Important Notice
Any misuse of the Secured Horizon website, including fraudulent submissions, unauthorized access attempts, malicious activity, or violations of these Terms & Conditions, may result in suspension or termination of access and may be reported to the appropriate legal authorities where required by law.
Intellectual Property
All content, materials, trademarks, and intellectual property displayed on the Secured Horizon website are owned by or licensed to Secured Horizon and are protected by applicable copyright, trademark, and intellectual property laws.
Website Content
All text, graphics, images, icons, documents, and other content published on this website are the exclusive property of Secured Horizon or its licensors unless otherwise stated.
Trademarks & Branding
The Secured Horizon name, logo, trademarks, service marks, and branding elements may not be copied, reproduced, or used without our prior written permission.
Design & Source Code
The website's design, layout, software, source code, functionality, and underlying technology are proprietary and protected by applicable intellectual property laws.
Images & Media
Images, illustrations, videos, and other multimedia content on this website may not be reproduced, distributed, or modified without proper authorization.
Restricted Use
You may not copy, distribute, modify, reverse engineer, sell, or create derivative works from any portion of this website except as expressly permitted by law.
Protection of Rights
Secured Horizon reserves all intellectual property rights and may pursue legal action against any unauthorized use of its protected materials.
Intellectual Property Notice
Nothing contained on this website grants any license or right to use Secured Horizon's intellectual property without prior written consent. Unauthorized use may violate copyright, trademark, and other applicable laws.
Third-Party Services
Secured Horizon may provide access to third-party websites, lenders, service providers, tools, or resources for your convenience. These third-party services operate independently, and we are not responsible for their content, policies, products, or practices.
Independent Third Parties
Mortgage lenders, financial institutions, technology providers, and other third-party partners operate independently from Secured Horizon and maintain their own policies, procedures, and terms.
External Links
Our website may contain links to external websites for informational or convenience purposes. Following these links is entirely at your own discretion and risk.
Third-Party Policies
Any information you provide to third-party websites or service providers is governed by their respective privacy policies, terms of service, and business practices—not those of Secured Horizon.
No Endorsement
References to third-party companies, products, or services do not constitute an endorsement, recommendation, or guarantee by Secured Horizon unless expressly stated.
Third-Party Availability
We are not responsible for the availability, accuracy, reliability, security, or continued operation of third-party websites, products, or services.
User Responsibility
Users are encouraged to review the terms, privacy policies, and security practices of any third-party provider before submitting personal or financial information.
Important Notice
Secured Horizon assumes no responsibility or liability for any loss, damages, disputes, or issues arising from your interactions with third-party websites, lenders, or service providers. Your relationship with any third party is solely between you and that provider.
No Guarantee of Financing
Secured Horizon provides access to mortgage and financial resources, but we do not guarantee approval, loan availability, interest rates, or financing terms. All lending decisions are made solely by the participating lender or financial institution.
No Guaranteed Approval
Submitting an inquiry, application, or prequalification request through Secured Horizon does not guarantee approval for any mortgage or financial product.
Independent Lending Decisions
All loan approvals, underwriting decisions, eligibility requirements, and funding determinations are made independently by the participating lender or financial institution.
Rates & Terms May Vary
Interest rates, loan amounts, repayment terms, fees, and available programs vary based on lender requirements, market conditions, and your individual financial profile.
Verification Required
Lenders may request additional documentation or verification of your identity, employment, income, assets, credit history, and other financial information before making a lending decision.
Program Availability
Certain mortgage products, loan programs, or financial services may not be available in every state or jurisdiction and may change without prior notice.
Informational Purposes Only
Information provided on this website is intended for general informational purposes and should not be considered a commitment to lend or a guarantee of financing.
Important Financing Notice
Loan approval, funding, interest rates, and final financing terms are determined exclusively by the lender after reviewing your complete application and supporting documentation. Secured Horizon does not make lending decisions and cannot guarantee that financing will be available for every applicant.
Electronic Communications & Consent
By accessing or using Secured Horizon's website and services, you consent to receive communications electronically. These communications help us provide updates, process your requests, and deliver important information regarding your account and our services.
Email Communications
You agree to receive emails regarding account updates, service notifications, legal notices, and other information related to your use of our services.
SMS & Text Messages
If you provide your mobile number, you consent to receive text messages related to your applications, appointments, service updates, and customer support. Standard messaging rates may apply.
Phone Calls
You authorize Secured Horizon and its representatives to contact you by telephone regarding your inquiries, applications, or services you have requested.
Electronic Documents
Documents, disclosures, agreements, and notices provided electronically have the same legal effect as paper documents unless otherwise required by law.
Consent Withdrawal
You may withdraw your consent to receive electronic communications where permitted by law. Doing so may limit your ability to access certain services or receive important updates.
Security of Communications
While we implement reasonable safeguards, electronic communications may not always be completely secure. Please avoid sending highly sensitive information through unsecured channels.
Your Consent
By continuing to use the Secured Horizon website or submitting information through our services, you acknowledge and consent to receive electronic communications as described in these Terms & Conditions and our Privacy Policy.
Limitation of Liability
To the fullest extent permitted by applicable law, Secured Horizon shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of our website, services, or any information provided through our platform.
Website Availability
We do not guarantee uninterrupted, error-free, or continuous access to our website or services. Temporary interruptions may occur due to maintenance, technical issues, or circumstances beyond our control.
Information Accuracy
While we strive to keep all information accurate and current, Secured Horizon makes no warranties regarding the completeness, reliability, or accuracy of the information provided on this website.
No Financial Guarantee
Secured Horizon is not responsible for lending decisions, loan approvals, financing outcomes, or financial losses resulting from the use of our website or services.
Third-Party Services
We are not responsible for the content, availability, products, services, or practices of third-party websites, lenders, or service providers linked through our platform.
Limitation of Damages
To the maximum extent permitted by law, Secured Horizon shall not be liable for any indirect, incidental, consequential, exemplary, or punitive damages, including loss of profits, business opportunities, or data.
User Responsibility
You acknowledge that your use of the website and reliance on its content is at your own risk and that you are responsible for evaluating the suitability of any information or services.
Important Disclaimer
Nothing in these Terms & Conditions excludes or limits liability where such limitation is prohibited by applicable law. Your statutory rights remain unaffected where required by law.
Legal Responsibility
By using the Secured Horizon website and services, you agree to defend, indemnify, and hold harmless Secured Horizon, its affiliates, employees, officers, directors, partners, and service providers from claims, damages, liabilities, and expenses arising from your use of our website or your violation of these Terms & Conditions.
Violation of Terms
You agree to indemnify Secured Horizon against any claims or damages resulting from your violation of these Terms & Conditions or applicable laws.
Misuse of Services
You are responsible for any losses or liabilities resulting from fraudulent activity, unauthorized access, misuse of our website, or improper use of our services.
Third-Party Claims
You agree to defend and hold Secured Horizon harmless from claims brought by third parties arising from your actions, submissions, or use of the website.
Legal Expenses
Where permitted by law, you agree to reimburse Secured Horizon for reasonable legal fees, court costs, and other expenses incurred in enforcing these Terms & Conditions.
User Responsibility
You remain solely responsible for the accuracy of the information you provide and for maintaining the security of your account and personal information.
Applicable Law
This indemnification obligation applies to the fullest extent permitted by applicable federal, state, and local laws.
Important Notice
The indemnification obligations described in this section survive the termination of your use of the Secured Horizon website and services and remain enforceable to the maximum extent permitted by applicable law.
Termination of Use
Secured Horizon reserves the right to suspend, restrict, or terminate your access to our website or services at any time, with or without prior notice, if we reasonably believe you have violated these Terms & Conditions, applicable laws, or engaged in activities that may harm our platform, users, or business.
Violation of Terms
We may suspend or permanently terminate access if you violate these Terms & Conditions, our policies, or any applicable laws and regulations.
Fraudulent or Unauthorized Activity
Accounts or users involved in fraudulent conduct, unauthorized access, identity misuse, or other unlawful activities may be immediately suspended or terminated.
Service Discontinuation
Secured Horizon reserves the right to modify, suspend, or discontinue any portion of its website or services without prior notice.
Account Deactivation
If applicable, users may request the deactivation of their accounts. Certain information may be retained as required by law or for legitimate business purposes.
Effect of Termination
Upon termination, your right to access or use the website immediately ceases. Any obligations or provisions intended to survive termination shall remain in effect.
Right to Refuse Access
We reserve the right to deny access to any individual or entity at our sole discretion where permitted by applicable law.
Termination Notice
Termination or suspension of your access does not limit any other legal rights or remedies available to Secured Horizon. Provisions relating to intellectual property, limitation of liability, indemnification, and governing law shall survive termination where applicable.
Governing Law
These Terms & Conditions are governed by and construed in accordance with the applicable laws of the jurisdiction in which Secured Horizon operates, without regard to conflict of law principles.
Applicable Laws
Your access to and use of the Secured Horizon website and services are governed by applicable federal, state, and local laws and regulations.
Jurisdiction
Any legal action, claim, or dispute arising out of these Terms & Conditions shall be subject to the exclusive jurisdiction of the appropriate courts within the applicable jurisdiction.
Dispute Resolution
Before pursuing formal legal action, we encourage users to contact Secured Horizon so that we may attempt to resolve disputes in a fair and timely manner.
Compliance with Regulations
Users agree to comply with all applicable laws, regulations, and governmental requirements when accessing or using our website and services.
International Access
Users accessing the website from outside the United States are responsible for ensuring that their use complies with the laws of their local jurisdiction.
Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any additional legal notices, constitute the entire agreement between you and Secured Horizon regarding the use of our website.
Legal Notice
If any provision of these Terms & Conditions is determined to be invalid or unenforceable under applicable law, the remaining provisions shall remain in full force and effect without affecting the validity of the rest of the agreement.
Changes to Terms
Secured Horizon reserves the right to modify or update these Terms & Conditions at any time to reflect changes in our services, legal obligations, or business practices.
Terms May Be Updated
We may revise these Terms & Conditions periodically to improve our services, comply with applicable laws, or reflect changes in our business operations.
Effective Date
The revised Terms & Conditions become effective immediately upon publication unless otherwise stated within the updated document.
Continued Use
Your continued use of the Secured Horizon website or services after any updates constitutes your acceptance of the revised Terms & Conditions.
Review Responsibility
We encourage you to review this page periodically to stay informed about any changes that may affect your rights or obligations.
Stay Informed
If we make material changes to these Terms & Conditions, we may provide additional notice through our website or other appropriate communication channels. The latest version will always be available on this page.
Contact Us
If you have any questions regarding these Terms & Conditions or our services, please contact Secured Horizon using the information below. Our team is available to assist you with general inquiries and support.
Company
Secured Horizon Financial Group Inc
info@securedhorizon.com
Phone
+1 (305) 891-6500
Fax
+1 (855) 794-7611
Mailing Address
1801 NE 123 St #314, N. Miami, FL 33181
Response Time
We strive to respond to all inquiries as quickly as possible. While response times may vary depending on the nature of your request, our team is committed to providing timely assistance during normal business hours.