Terms and Conditions
Welcome to Horizon Pay. These Terms and Conditions ("Terms") govern your use of our online platform and services (collectively, "our Service" or "the Service"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.
1. Services Offered
Horizon Pay provides a range of financial technology services including, but not limited to:
- International money transfers and cross-border remittances
- Mobile airtime top-ups
- Online payment processing
- Currency exchange services
Specific terms, fees, and processing times applicable to each service are outlined within the relevant sections of our site when you initiate a transaction.
2. Use of Our Service
You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to use our Service:
- In any way that violates any applicable national or international law or regulation.
- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent.
- To impersonate or attempt to impersonate Horizon Pay, a Horizon Pay employee, another user, or any other person or entity.
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our Service, or which, as determined by us, may harm Horizon Pay or users of our Service or expose them to liability.
3. User Accounts
To access certain features of our Service, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account password and are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
4. Transactions
All transactions processed through our Service are subject to our acceptance and compliance with applicable laws and regulations. We reserve the right to refuse any transaction or limit the amount of any transaction at our sole discretion. Transaction fees, exchange rates, and available currencies are displayed on our site and are subject to change. By initiating a transaction, you agree to the applicable fees and rates.
5. Intellectual Property
Our Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Horizon Pay, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
6. Disclaimer of Warranties
Our Service is provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Neither Horizon Pay nor any person associated with Horizon Pay makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Service.
7. Limitation of Liability
In no event shall Horizon Pay, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our Service, any websites linked to it, any content on our Service or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
8. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of, or related to, these Terms or our Service shall be instituted exclusively in the federal or state courts located in Chicago, Illinois, United States, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.
9. Changes to the Terms
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of our Service thereafter. Your continued use of our Service following the posting of revised Terms means that you accept and agree to the changes.
10. Contact Information
To ask questions or comment about these Terms, please contact us at:
Horizon Pay
300 Wacker Drive, Suite 1850
Chicago, IL 60606
United States