Privacy Policy

What this policy covers

This Privacy Policy describes how Horizon Financial Consulting ("Horizon," "we," "us," or "our") handles personal information through this website and related inquiries. A separate notice, engagement letter, or legally required financial privacy notice may apply when you become a client or provide information for professional services. If those documents differ, the more specific document governs the applicable service or information.

Information we receive

Information you provide may include your name, email address, phone number, selected service, and message when you contact us. If you communicate by phone, email, or another channel, we may receive the information you choose to share. If you schedule through Calendly, the information you enter there is processed through that service and may be shared with us for appointment administration.

A website host or third-party embedded tool may receive technical information such as IP address, browser type, device identifiers, referring page, approximate location, usage data, or cookies when you visit or interact with its content. Actual server logs, analytics, and cookie behavior depend on the hosting and tools in use.

Contact form and sensitive information

In the WordPress version of this website, the contact form sends your inquiry directly to Horizon. If you send a message, your email provider and Horizon's email provider process that message.

Please do not enter Social Security numbers, taxpayer identification numbers, payment card numbers, passwords, complete tax returns, or identity documents in the general website form or ordinary email. Contact us to ask about an appropriate method for transmitting sensitive records.

How we use information

We use information to respond to inquiries, arrange appointments, discuss or provide requested services, administer our business relationship, maintain and protect our website, comply with legal obligations, and establish or defend legal claims. We may use your contact information for service-related follow-up. We will provide any marketing choices or notices required by applicable law before sending marketing messages.

When information is shared

We may share information with vendors that help us operate our website, email, scheduling, hosting, or business systems; with professional advisers; with government authorities or other parties when required by law or to provide a service you request; and in connection with a business transfer, subject to applicable law.

Calendly and Google Maps are third-party embeds; their own policies govern information they collect through those tools. We link to Facebook, Instagram, and a blog, which have their own practices.

Cookies and third-party services

The website may use essential storage or cookies needed for operation, and embedded scheduling or map providers may place cookies or collect technical information when their content loads. Your browser settings may let you block or remove cookies, although some embedded features may not work as intended.

Retention and security

We retain information for as long as reasonably needed for the purposes described above, including service delivery, records, legal obligations, resolving disputes, and protecting our business. Retention periods vary with the type of information and applicable law. We use measures appropriate to the nature of the information we handle, but no internet transmission or storage method is completely secure.

Your choices and privacy rights

You may contact us to ask about access to, correction of, or deletion of information we hold about you, or to exercise other rights available under your state's law. We will verify your request and respond as applicable law requires. Some information may be retained where permitted or required for services, legal obligations, security, or records.

Some state laws provide rights to opt out of certain sales, targeted advertising, or profiling. Whether those rights or opt-out mechanisms apply depends on the law and the actual data practices of the deployed website and business. Contact us with privacy questions or requests using the details below.

Children and external links

The website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13 through the website. If you believe a child has provided information, contact us so we can review and address it.

When you leave our website or interact with an embedded third-party service, that provider's terms and privacy policy may apply.

Changes and contact

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will post the updated policy with a new effective date. If applicable law requires additional notice or consent for a material change, we will provide it.

For privacy questions or rights requests, contact Horizon Financial Consulting at s.serrano@horizonfinco.com, (949) 542-0796, or 23361 El Toro Rd #210b, Lake Forest, CA 92630.