Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") govern your access to and use of horizonviewfinancial.com and the services offered by Horizon View Financial Group ("Horizon View Financial," "we," "us," or "our"). By accessing the website, submitting a form, requesting a consultation, or using our services, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use the website or submit information. Additional written agreements may apply to a particular engagement. If those agreements conflict with these Terms, the specific written agreement controls for that engagement.

2. Our Role & Services

We assist business owners and real-estate investors with commercial financing education, funding readiness, document coordination, lender matching, application support, and business consulting. We may introduce or submit information to independent lenders, financing sources, and service providers.

We do not guarantee that any financing source will review an application, extend an offer, approve a transaction, provide a particular rate or term, or fund by a particular date. Every financing source applies its own underwriting standards and makes its own independent decisions.

Information on the website is general and is not legal, tax, accounting, investment, or individualized financial advice. You should consult qualified advisers about your circumstances.

3. Eligibility & Authorized Use

You must be at least 18 years old and legally able to enter into a binding agreement. If you use the website on behalf of a business or other entity, you represent that you have authority to bind that organization.

You may use the website only for lawful purposes. You may not interfere with its operation, attempt unauthorized access, introduce malicious code, scrape or reproduce content at scale, misrepresent your identity, submit fraudulent information, or use the website to violate any law or third-party right.

4. Applications, Documents & Your Responsibilities

You are responsible for providing information that is complete, accurate, current, and not misleading. You authorize us to use and share submitted information as reasonably necessary to evaluate your request, communicate with you, identify financing options, and coordinate with potential financing sources and service providers, as described in our Privacy Policy and any separate authorization you sign.

Submitting information is not an application approval, commitment to lend, or promise of funding. Do not make purchases, enter contracts, or incur obligations based on an expected closing until all conditions are satisfied and funding is complete.

You remain responsible for reviewing all financing offers and final documents, confirming costs and obligations, and deciding whether a transaction is appropriate.

5. Credit & Verification

Where applicable, a lender, financing source, or authorized service provider may require identity verification, credit information, bank records, financial statements, appraisals, background information, or other documentation. Any credit inquiry or verification requiring consent will be subject to the applicable disclosure and authorization. We do not obtain authorization merely because you visit this website.

6. Fees, Costs & Third-Party Terms

Any brokerage, consulting, referral, processing, or other fee charged by Horizon View Financial will be disclosed in a separate agreement or transaction document where applicable. Independent third parties may charge application, appraisal, inspection, legal, origination, closing, or other fees under their own terms. You are responsible for reviewing and understanding all disclosed costs before proceeding.

Third-party websites, products, lenders, and services are controlled by independent parties. We do not control and are not responsible for their availability, decisions, conduct, content, security, fees, or agreements.

7. Electronic Communications & SMS

By submitting contact information, you agree that we may communicate with you electronically about your inquiry and services. If you separately consent to text messages, message frequency may vary and message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to marketing messages is not required as a condition of purchasing services or obtaining financing.

You are responsible for keeping your contact information current and safeguarding access to your email, telephone, and documents.

8. Intellectual Property

The website and its text, graphics, branding, design, layout, and other content are owned by or licensed to Horizon View Financial and protected by applicable intellectual-property laws. We grant you a limited, revocable, nonexclusive right to use the website for its intended purpose. No other rights are transferred.

9. Website & Service Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND GENERAL INFORMATION ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT INFORMATION WILL ALWAYS BE COMPLETE OR CURRENT.

Examples, estimated terms, timelines, and scenarios are illustrative only. Actual eligibility, rates, fees, collateral requirements, documentation, and funding timelines depend on the financing source, market conditions, transaction, and applicant qualifications.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HORIZON VIEW FINANCIAL AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, OR OPPORTUNITIES; OR LOSSES RESULTING FROM A THIRD PARTY’S DECISION, DELAY, ACT, OR OMISSION.

Nothing in these Terms excludes liability that cannot legally be excluded. Any limitation will apply only to the maximum extent permitted by applicable law.

11. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Horizon View Financial and its owners, employees, contractors, and affiliates from claims, losses, liabilities, and reasonable expenses arising from your unlawful use of the website, your material breach of these Terms, or information or materials you submit that infringe another party’s rights.

12. Governing Law & Disputes

These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law principles. Unless a separate written agreement requires another process or venue, disputes relating to these Terms or the website will be brought in a court of competent jurisdiction serving New Hanover County, North Carolina. You and Horizon View Financial each waive objections to that venue to the extent permitted by law.

13. Changes, Suspension & Termination

We may update these Terms by posting a revised version with a new effective date. We may modify, suspend, or discontinue any part of the website or services and may restrict access for misuse, security concerns, legal requirements, or violation of these Terms.

14. General Terms

If any provision is held unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. You may not assign your rights or obligations under these Terms without our prior written consent. Headings are for convenience only. These Terms, the Privacy Policy, and any applicable written engagement agreement form the relevant agreement between you and us.

15. Contact Us