With Horizon Gold, members are guaranteed to receive an initial $500 credit limit provided they are 18 years of age or
older, a legal U.S. resident and have furnished accurate identity
and application information.

Guaranteed $500 Credit Line*
No Credit Check
Fast Online Application
Bad Credit - OK
Program Specs

Credit Line $500 Limit

Regular APR 0% APR

Monthly Fee See website for Details*

Credit Needed Damage credit to Fair credit

*See Terms & Conditions for Details

HORIZON CARD SERVICES MEMBER AGREEMENT

This agreement contains the terms and conditions of your membership known hereafter as Horizon Card Services and Horizon Benefits Plan.

With Freedom Gold, members are guaranteed to receive our Freedom Gold Card with an initial $500 credit limit provided they are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information.

Get a Freedom Gold Now

$500 Unsecured Credit Limit
Guaranteed Approval*
No Credit Check
No Employment Check
Fast online application
Reports to a Major Bureau
Bad Credit - OK
Program Specs

Credit Line $500 Limit

Regular APR 0% APR

Monthly Fee See website for Details*

Credit Needed Damage credit to Fair credit

*See site for details

Freedom Gold and Horizon Card Services Member Agreement

This agreement contains the terms and conditions of your membership known hereafter as Horizon Card Services and Horizon Benefits Plan.

Open Spoiler

This agreement contains the terms and conditions of your Horizon Card Services membership known hereafter as Horizon Card Services and Horizon Benefits Plan. HORIZON CARD SERVICES IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTERCARD, OR DEBIT CARD. HORIZON CARD SERVICES ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE NO DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. HORIZON CARD SERVICES DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. HORIZON CARD SERVICES DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES HORIZON CARD SERVICES ATTEMPT, OR CLAIM TO ATTEMPT TO REPAIR A CUSTOMERS CREDIT HISTORY. Horizon Card Services website is located at www.freedomgoldonline.com (the 'Website'). By accessing and/or using the Website and/or our Horizon Card Services service (the 'Service') you agree to comply with, and be bound by, the following terms and conditions (the 'Agreement'). Please review this Agreement carefully. If you do not agree to this Agreement in its entirety, you are not authorized to use this Website and/or Service in any manner or form, whatsoever. Annual Percentage Rate for Purchases 0.00% Variable Rate Information: N/A Grace Period for Repayment of Balances for Purchases: N/A Method of Computing the Balance for Purchases: Revolving NSF Check Fee: $25.00 Cancellation Fee: None Late Payment $20.00 How it Works: Upon Account activation of your membership, you will receive various benefits as well as a credit card account to use exclusively on purchases available through the Horizon Outlet Website. Your Account will not work at any other website. Due to the lack of restrictions associated with obtaining an Account, there are nominal shipping and handling fees required for each purchase. You will receive a physical credit card within (5) five days to (2) weeks of your account activation. If you do not receive your card, please contact our customer services department. Monthly Membership/Benefits Plan: Upon account activation, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan. Monthly membership includes a $500 Unsecured card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. For ease and convenience, the $24.95 benefits plan membership fee will be auto-debited monthly. The $6.00 monthly card maintenance fee is waived to all active $24.95 monthly benefit plan accounts. In the event your monthly auto-payment of $24.95 fails three times due to insufficient funds, we will for your convenience auto enroll you into our basic starter benefits plan that in addition to your regular account and credit line access includes Credit Report access, Discount Prescription access and Prepaid Legal access at a reduced charge of $6.95 per month. Full benefits to include the Roadside Assistance component can be accessed by contacting customer service and requesting that we reinstate full benefits at $24.95 per month and by making proper payment arrangements to include any missed back payments. The Federal E-Sign Act (HR-1714) on Final Digital Signature provides that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing the online application at the website for Horizon Card Services, member certifies that their digital signature is the equivalent of its handwritten signature. Also, the member declares that it has read and understands all of the Terms and Conditions and agrees to and does sign each section of these Terms and Conditions with its digital signature. Cancellation and Refund Policy: Cancellation and Refund requests can be made within 30 days of your billing date by calling Member Services at 1-800-251-6144, Monday through Friday from 9:00 a.m. to 8:00 p.m. EST, and Saturday from 10 a.m. to 3 p.m. EST (excluding holidays). Accounts that are cancelled beyond 30 days from their billing date are not eligible for a refund. Chargeback / Bank or Credit Card Company Dispute Charges: Horizon Card Services strives to provide exceptional customer service. If you feel you are entitled to a refund or would like to cancel your enrollment, you may do so by calling 1-800-251-6144 Mon - Fri 9:00 am through 5:00 pm. Refunds can only be obtained by calling this number. Customer Advocacy If you feel at any time you are not receiving the customer care and attention you deserve, we encourage you to contact our 'Customer Advocacy' department. Customer Advocacy is dedicated to helping you 5 days a week from 9:00 am until 5:00 pm. Please call 1-800-837-4997 for Customer Advocacy. Acceptance of Agreement. You agree to the terms and conditions set forth in this Agreement with respect to your use of the Website and/or Service. This Agreement constitutes the entire agreement between you and Horizon Card Services, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Website, the Service and/or your Account, as defined herein below. We may amend this Agreement from time to time, in our sole discretion, without specific notice to you. The latest Agreement will be posted on the Website, and you should review this Agreement prior to each use of the Website, the Service and/or your Account. By your continued use of the Website, the Service and/or your Account, you hereby agree to all the terms and conditions contained within the Agreement in effect at that time. Therefore, you should regularly check this page for updates and changes. Additional Terms and Conditions For Horizon Card Services Accounts. The Horizon Card Services is an online merchandise shopping service. After obtaining an Account, you can make purchases of select items available at or through the Service. Accounts may be obtained by individuals 18 years of age or older, who possesses a valid and active U.S. credit card, debit card, checking or savings bank account. There are no credit checks, income requirements or employment requirements to obtain an Account. There are also no restrictions applicable to those with past bankruptcy history. Accounts: To obtain an Account, you must submit an application to Horizon Card Services to qualify for an Account. When you apply for an Account, you agree to provide accurate, current and complete information about yourself ("Application Data") as prompted by our application form. You also agree that Horizon Card Services reserves the right to debit or charge your checking account or debit card/credit card the full amount and or any portion of the full amount as not to exceed the advertised amount. In the event we are unable to capture the full amount from your credit or debit card as you requested, we may, within 7 to 60 days, attempt to reprocess your request for any amount up to the original processing amount. You will be notified by e-mail upon approval. You also represent that we may rely on your submitted Application Data as accurate, current and complete. You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. Horizon Card Services reserves the right, in its sole discretion, to terminate your Account for inaccurate, untrue, deceptive and/or incomplete Application Data. In order to update your Application Data, please access and update your online profile. You understand that by submitting an application to Horizon Card Services, you are not guaranteed to obtain an Account. Horizon Card Services reserves the right, in its sole discretion, to accept or reject any application for any reason, or for no reason, whatsoever. Incomplete Applications: By clicking 'submit' on the application page located at www.freedomgoldonline.com, you grant permission to Horizon Card Services to contact you, when necessary, via e-mail or telephone to complete your application. If Horizon Card Services approves your application; you will receive an e-mail confirming your application approval and your associated username and password information ('Login') information. Once you receive this Login information, you may make immediate use of the Service. Disclosure of Costs, Fees, and Rates: Creditor: Horizon Card Services Amount financed and itemization: Equal to the value of the Account holder's open balance. Shipping: Additional shipping and handling costs may apply depending on customer's location. It is the customer's responsibility to insure that the address provided is an address that can accept delivery of merchandise. The Horizon Outlet is not responsible for returned shipments due to non-deliverability for any reason. Items subsequently requiring re-shipment will be re-charged the original shipping fee, plus any applicable handling fees. Payment schedule: The payment schedule will vary depending upon the purchase cost of all goods purchased by the Account holder and the amount and frequency of payments. Account holder is required to make a specified minimum payment each month (in most cases, 5% of the outstanding balance). Processing Fees: Varies per item purchased. Outlet Store Delivery Signature Verification: $2.50 Outlet Store Residential Delivery: $2.00 Total of payments: Equal to the purchase cost of all goods purchased by the Account Holder. Total sale price: Equal to the purchase cost of all goods purchased by the Account Holder. Prepayment: No penalties for prepayment. One time Card Issuance and Account Validation fee: $10.00 Fee for returned checks or debits, second NSF: $25.00 Monthly maintenance fee: $6.00 (This fee is waived to all active Horizon Card Services members). Shipping and processing fees are required to be paid in full by customer prior to items being shipped. A $2.50 charge will be added to for shipment signature verification. Shipping and processing fees are non-refundable. Orders cannot be shipped to addresses other than what is listed on the customer's account. By purchasing items from The Horizon Outlet, customer fully understands and agrees to all policies. The Horizon Outlet will replace defective item(s) only at no charge to customer. (Less shipping and processing). The merchandise must be defective upon customer receiving it. The Horizon Outlet has the right to refuse refunds if the customer changes his/her mind and it is determined that the customer has caused the damage to the item(s). Horizon Card Services reserves the right to limit item quantities per order and all orders are subject to quantity restrictions. ACH Debits: If any Automated Clearing House ('ACH') or Remotely Created Check ('RCC') debit request for a fee associated with your Account is returned due to non-sufficient funds available in your bank account, Horizon Card Services may attempt to collect the applicable fee by automatically resubmitting to your bank subsequent ACH or RCC debits. Any subsequent debit attempts by Horizon Card Services will not exceed the original fee amount. Furthermore, you understand and agree that if Horizon Card Services is unable to obtain payment from your bank, Horizon Card Services reserves the right to immediately terminate your Account or reduce your available credit until a consistent payment history has been established. Credit Bureau Reporting: Horizon Card Services will report your new Horizon Card Services/Horizon Outlet Account to at least one major credit bureau upon receiving positive confirmation of your identity. In order to confirm your identity, you may be required to send Horizon Card Services additional information. The Horizon Card Services Account does not guarantee aid in building or re-building credit, or to the posting of any positive references to any credit report. Due to circumstance beyond our control, it may take up to 60 days for your Horizon Card Services information to appear on your credit report. Purchases and Monthly Billing: You will be electronically/paper billed monthly for the minimum payment due on your Horizon Card Services account. For ease and convenience, our E-Bill feature is designed to send invoices to the email address we have on file for each monthly billing cycle. Only account holders that are in good standing may make purchases at the Website and receive additional account holders benefits. On occasion, a product or products that you order may be out of stock from our suppliers. In that event, all pre-paid funds, for your convenience, will be automatically applied as a credit to your Horizon Card Services account. Your Promise to Pay: You agree to pay the minimum payment due shown on each monthly electronic bill/paper statement. All payments must be received on the date indicated on the electronic bill/paper statement. Horizon Card Services account holders are responsible for maintaining a valid email address on their account. Application of Payments Received: Payments received are always applied to any unpaid balance. Payments are applied toward purchases in the same order that they were made, older purchases first. Minimum Monthly Payment: The minimum monthly payment for any given month (as long as your account shows an outstanding balance) is the greater of: a) 10% of the account balance owed immediately following any purchase made to your account; or b) $25.00. The minimum monthly payment does not automatically decrease as your account balance decreases. Notwithstanding the foregoing, should your new balance be less than $25.00, the minimum payment due will be the total amount of the new balance. Default: Your Account will be considered in default status if: a) you fail to pay the minimum monthly payment when due; or b) you breach any of the terms and conditions of this Agreement. If your Account is in default, in compliance with applicable law, Horizon Card Services may: a) demand that you immediately pay the entire unpaid balance on your Account; b) apply monies received on subsequent purchases to any delinquent account balance owed; and/or c) proceed with legal action to collect any unpaid amounts. Horizon Card Services Membership: As a Horizon Card Services Member and Horizon Card Services card holder, You will receive privileges in My PRIVACY PROTECT, MY UNIVERSAL RX Prescription Discount Plan, MY LEGAL ASSISTANCE and MY ROADSIDE ASSISTANCE Plan. Use of My Privacy Protection account requires activation. Upon activation with Horizon Card Services, you are bound by the User Agreement provided at the enrollment site. Plan Limitations and Restrictions: Access to member benefits is restricted to only the member on file of an active account. Should you wish to add additional family members to your plan, please contact customer service for pricing. Fraudulent use and access of benefits constitutes theft and will be prosecuted to the fullest extent of the law. Horizon Card Services has the right to temporarily suspend or cancel member plans that have the appearance of fraudulent use. It is your responsibility to know your plan limitations. Upon reaching all or any single plan inclusion program limit within a 12-month period, access will be denied. My Privacy Protection - Unlimited Internet access. To activate your account and view your credit report, visit www.memberbenefitaccess.com and log into your account using the account issued to you upon approval of your membership. My Universal Rx - Unlimited local participating pharmacy access. Members receive up to 40% off of covered prescription medications. Check website for selected medications and changes. My Roadside Protection - Benefit coverage begins following a 5-day waiting period from date of enrollment or reinstatement. Up to 3 service calls or towing requests up to 15 miles not to exceed the operator cost of $50.00. Additional mileage and associated towing costs will be your responsibility to pay at the time of service. No more that one towing or service call is covered within a 30 day period and no more than 3 total service calls within any 12 month period. Service calls include Fluid delivery (up to 2 gallons of fuel which you must re-pay at the current pump price for you area), Lock out service and flat tire change service with the spare tire that you provide. This service is not to be used for accident vehicle recovery therefore there is no benefit coverage. My Legal Assistance - Toll free and Internet access to Legal resources. Criminal defense cases are not covered under this plan. Your plan entitles you to one free 30-minute consultation with a legal professional in your area specializing in your area of law interest. Courtesy Programs - My Fuel Savings and other programs that are currently offered to our member base are done so as convenience and courtesy items only. Horizon Card Services makes no warranty or guarantee of these services and they are subject to change or discontinuation at any time. Fraud Resolution: As a matter of policy, we cooperate fully with all law enforcement agencies in the pursuit of fraud, with regard to the unauthorized use of information in order to apply for this membership. If you believe your account was fraudulently charged for the application and processing fee, we will make every effort to aid in a resolution. Before we can take any action, please fax or mail a copy of the official report filed with your local Police or law enforcement agency detailing the suspected fraudulent act and also a copy of the portion of your account statement showing the date and amount of the withdrawal. Please allow us two weeks for resolution after we receive the report and statement. Fax: 1-724-599-1578 Good Standing Requirement: You understand that you must maintain your Account in good standing by making at least the minimum monthly payments on time and accurate account and personal information. If your Account is in default status, you understand that your Account privileges and benefits may be suspended and/or terminated until you have re-established a consistent pattern of on-time monthly minimum payments. Authorized Use: The Website and Service are available only to individuals who can enter into legally binding contracts under applicable law. However, if you are under the age of 18, you do not have authorization to access or use the Website and/or Service in any manner whatsoever. If you are a Website visitor ('Visitor'), you may use the Website in order to obtain information about Horizon Card Services and the Service and to apply for a Horizon Card Services account ('Account'). Visitors are not authorized to access any content and/or data available to those individuals that are Account holders. In addition, to apply for and obtain an Account, you must be at least 18 years old and have a valid and active U.S. checking or savings bank account. License Grant: As a Visitor to the Website or an Account holder, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Website (and its associated content), the Service and/or an Account in accordance with this Agreement. Horizon Card Services may terminate this license at any time for any reason. You may use the Website on one computer for your own personal, non-commercial use. No part of the Website, the Service and/or an Account may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Website (and its associated content), the Service, your Account and/or any portion thereof. Horizon Card Services reserves any rights not explicitly granted in this Agreement. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website, the Service and/or your Account. You may not take any action that imposes an unreasonable or disproportionately large load on the Horizon Card Services infrastructure. Your right to use the Website, the Service and/or your Account including, without limitation, your Login, is non-transferable. Access to, and use of, your Account and the Service is made through your Login information. Your Login must be kept strictly confidential. For security reasons, Horizon Card Services will not release passwords for any reason, other than to the applicable Account holder, except as may be specifically required by law or court order. Unauthorized access to the Website, the Service and/or an Account is a breach of this Agreement and a violation of applicable law. Proprietary Rights: The content, organization, graphics, design, compilation, magnetic translation, digital conversion, software and other matters related to the Website, the Service and/or your Account are protected under applicable copyrights, trademarks and other proprietary (including, without limitation, intellectual property) rights. The copying, redistribution and/or publication by you of any part of the Website, the Service and/or your Account are strictly prohibited. You do not acquire ownership rights to any content, document, software, service or other materials viewed at or through the Website, the Service and/or your Account. The posting of information or material at the Website and Service by Horizon Card Services does not constitute a waiver of any right in such information and/or materials. Privacy Policy: Use of the Website, the Service and/or your Account is subject to our Privacy Policy, which is hereby incorporated into, and made part of, this Agreement. We reserve the right, and you authorize us, to use and assign all information regarding your Website, Service and Account use, and any and all other personal information provided by you, in any manner consistent with our Privacy Policy, which is hereby made a part of this Agreement. Editing, Deleting and Modification: We reserve the right, in our sole discretion, to edit and/or delete any documents, information or other content appearing on the Website, the Service and/or your Account at anytime, without notice to you. Indemnification: You agree to indemnify, defend and hold Horizon Card Services, its owners, and each of their respective officers, partners, members, employees, agents and attorneys (each a 'Covered Party'), harmless against any and all liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses and expenses (including reasonable attorneys' fees, administrative costs and/or settlement costs) arising from your breach of this Agreement and/or your use of the Website, the Service and/or your Account, in any manner whatsoever. Disclaimers and Limitations: THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS AND "AS AVAILABLE" BASIS AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. Horizon Card SERVICES AND THE COVERED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, Horizon Card SERVICES AND THE COVERED PARTIES ARE NOT LIABLE TO YOU AND/OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN HORIZON CARD SERVICES AND YOU. THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE SHALL CREATE ANY WARRANTY, REPRESENTATION AND/OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. ALL RESPONSIBILITY AND/OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES AND/OR WORMS CONTAINED WITHIN AN ELECTRONIC FILE AVAILABLE AT THE WEBSITE AND/OR THROUGH THE SERVICE IS DISCLAIMED. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED, OBTAINED OR OTHERWISE ACCESSED THROUGH THE USE OF THE WEBSITE, THE SERVICE AND/OR YOUR ACCOUNT IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY AND ALL DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT MAY RESULT FROM THE DOWNLOADING OF ANY SUCH MATERIAL. OUR MAXIMUM LIABILITY TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE EQUAL TO THE LOWEST PURCHASE PRICE THAT YOU HAVE PAID FOR ANY SINGLE PIECE OF MERCHANDISE AT THE WEBSITE AND/OR THROUGH THE SERVICE. NOTWITHSTANDING THE FOREGOING, Horizon Card SERVICES SHALL NOT BE LIABLE TO YOU FOR ANY SERVICE, GOODS OR INFORMATION AVAILABLE FROM THIRD PARTIES, EVEN IF OBTAINED AT OR THROUGH THE WEBSITE AND/OR SERVICE. Third Party Websites: The Website may provide, and/or third parties may provide, links to other Internet websites and/or resources. Because Horizon Card Services has no control over such third party websites and/or resources, you hereby acknowledge and agree that Horizon Card Services is not responsible for the availability of such third party websites and/or resources. Furthermore, Horizon Card Services does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising there from. ARBITRATION. PLEASE READ THIS PROVISION CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. THE ARBITRATOR'S DECISION WILL GENERALLY BE FINAL AND BINDING. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. Any claim, dispute or controversy between You and Us, Horizon Card Services and any of our affiliates (or made by or against anyone connected with You or Us, or claiming through You or Us) arising from or relating to Your membership ("Claim"), including Claims regarding applicability or validity of this arbitration provision, shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association ("AAA") then in effect, subject to this Membership Agreement. Any Claim regarding the validity or enforceability of this arbitration provision shall be governed by the laws of the State of Pennsylvania without giving effect to the choice of law provisions thereof. This arbitration provision is made pursuant to a transaction involving interstate commerce and, in all other respects, including the determination of any questions about whether Claims are within the scope of this arbitration provision and therefore subject to arbitration shall be governed by the Federal Arbitration Act, 9 U.S.C. 1-16 ("FAA"), and shall be resolved by interpreting the arbitration provision in the broadest way the law will allow it to be construed. All Claims are subject to arbitration, no matter what theory they are based on or what remedy they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, negligence, statutory or regulatory provisions, or any other source of law. Claims made and remedies sought as part of a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non-representative) basis. As an exception to arbitration, You and We retain the right to pursue in a small claims court located in the federal judicial district that includes Your billing address at the time of the Claim, any Claim that is within the court's jurisdiction and proceeds on an individual basis. The arbitration shall be conducted before a single arbitrator, applying to the Claims the substantive laws of the state of Pennsylvania without giving effect to the choice of law provisions thereof. The arbitrator's authority is limited solely to the Claims between You and Us alone. The arbitration will not be consolidated with any other arbitration proceeding. You and We do not agree to any arbitration on a class action or representative basis, and the arbitrator shall not be authorized to treat any Claim on a class action or representative basis. If You prevail in the arbitration of any Claim against Us, We will reimburse You for any fees You paid to the AAA in connection with the arbitration. Any decision rendered will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. Arbitration rules and forms may be obtained from the AAA at www.adr.org. Claims shall be filed in any AAA office. However, any participatory hearing that You attend shall take place in Indiana County, Pennsylvania, unless You chose to have the hearing take place in the federal judicial district that includes Your billing address at the time the arbitration Claim is filed. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive termination of Your membership as well as voluntary payment of the debt in full by You or any bankruptcy by You. IF YOU DO NOT CHOOSE TO ACCEPT THIS BINDING ARBITRATION PROVISION, YOU MUST NOTIFY US IN WRITING BY REGISTERED MAIL WITHIN TWENTY (20) DAYS AFTER RECEIPT OF THIS "TERMS OF SITE USE." IF YOU SO NOTIFY US BY THAT TIME THAT YOU DO NOT ACCEPT THE BINDING ARBITRATION PROVISION, YOU MAY CONTINUE TO BE A MEMBER FOR THE CURRENT MEMBERSHIP TERM. HOWEVER, IN THAT EVENT, WE SHALL HAVE THE RIGHT NOT TO RENEW YOUR MEMBERSHIP AT THE END OF THE MEMBERSHIP TERM. Equipment: You shall be responsible for obtaining and maintaining all telephone, computer hardware and any other equipment needed to access and/or use the Website, the Service and/or your Account, as well as any and all charges related thereto. Horizon Card Services account holders are responsible for maintaining a valid email address on or for their account. Miscellaneous: This Agreement shall be treated as though it were executed and performed in Indiana, Pennsylvania, and shall be governed by and construed in accordance with the laws of the State of Pennsylvania (without regard to conflict of law principles). Should a dispute arise concerning the terms and conditions of this Agreement, or the breach of same by either party hereto, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in Washington, DC, in accordance with the then current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending an outcome in arbitration. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Website, the Service and/or your Account is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of this Agreement. In order to expedite fulfillment of the product to the customer, we reserve the right to substitute another merchandise charge card of equal or greater value. Acknowledgements: I certify that I have read, understand and fully agree to all the terms and conditions contained in this Agreement. I certify that all the Application Data I supplied to Horizon Card Services is true, accurate and verifiable. The information concerning costs and fees associated with my Account is accurate as of March 20, 2015 I understand that these costs and fees, and any other term associated with my Account, may change at anytime, in the sole discretion of Horizon Card Services. I understand that my only recourse to any changes in terms is the cancellation of my Account in accordance with this Agreement. Dated: March 20, 2015

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Specs

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Creditnavigator.blogspot.com is not a lender - it does not make short term cash loans or credit decisions. Creditnavigator.blogspot.com simply connects interested consumers with independent third party lenders. Creditnavigator.blogspot.com’s loan matching services happen in real time, so you could be connected with an independent lender in seconds. Register online from home on your PC or from anywhere using your mobile device. The loan matching process begins the minute you submit your registration. If matched with a lender, you will be presented with a loan offer subject to that lender’s own terms and conditions. If you agree to those terms, the loan could be available for your use as early as the next business day.

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18 years of age or older
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Valid checking or savings account with direct deposit
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MATERIAL DISCLOSURE:

APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% and 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participatign lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Professional Advice. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.

Marketing Practices

Last Updated 11/07/2014

Welcome to Creditnavigator.blogspot.com (hereinafter "Company"). To register for Company's services, You must agree to these Marketing Practices, as well as Company's Privacy Policy and Terms & Conditions. By registering for Company's services, you understand that you are requesting a referral for a loan from the independent, participating lenders with whom we may share your information. You are also giving your express consent to receive promotional materials from participating lenders, Company and/or third party marketing partners with whom we may share your information. They may also provide information to you about additional services and products. You further understand that all communications, whether to assist you in obtaining the loan requested or for promotional purposes, may be via direct mail, email (at the email address provided by You) and/or telephone/mobile device (at the number(s) provided by you) notwithstanding that your email address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like. If you do not wish to receive such marketing materials and/or communications, you may request to be removed by using the relevant opt-out mechanism in such communications. Requests to unsubscribe from receipt of communications from third parties must be communicated directly to such third parties. Company is not responsible for stopping all unwanted communications from sources beyond Company's control. Please contact Company directly via certified mail at :

Address Line 1 : 287 Cheesequake Road

Address Line 2 : Bldg 1B, Suite # 17078

City : Parlin

State : New Jersey

Zip Code : 08859

Country : United States

or email at credit.navigation@gmail.com with any questions or concerns related to these Marketing Practices or your privacy, and/or to opt-out of having your information used by Company for marketing purposes.

Last Updated 01/27/2015;

Welcome to Creditnavigator.blogspot.com (hereinafter "Company"). The whole of these Terms & Conditions of Use is an Agreement between Company and You (hereinafter "You" and/or "Your"), as the user of this website (hereinafter "Site") and Company's services, and governs Your access to and use of this Site. The Site is an

online network marketplace.

Please be sure to read this Agreement in its entirety before using this Site. By using this Site, You acknowledge that You are at least 18 years of age and that You have read, understand and agree without limitation or qualification to be legally bound by these Terms & Conditions of Use, and Company'sPrivacy Policy and Marketing Practices, which are expressly incorporated herein by reference.

Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

If You do not agree to these terms, do not use this Site or Company's services.

Company's Services

Company is not a lender or a loan provider. Nor is Company an agent, representative, or broker thereof. We do not make loans or credit decisions. This Site does not constitute an offer or solicitation to lend. Company is merely a free referral service through which consumers can connect with its network of prospective independent, third party lenders, data managers, and/or brokers (hereinafter Financial Service Providers) with whom Company has contracted to provide matching services. Company facilitates connecting consumers interested in loan amounts between $100 and $1,000 with Financial Service Providers (hereinafter "Company's services"). Not all Financial Service Providers can provide up to $1,000.

Any compensation Company may receive is paid by a Financial Service Provider for advertising services provided. Please note that information we provide You on the Site may not meet Your particular needs and that You should seek the advice of an appropriate financial professional for an assessment of the loan information provided by Financial Service Providers. Company has no involvement or responsibility in connection with a Financial Service Provider's use of the information that You submit, including, without limitation, if You meet loan qualification criteria.

You expressly agree that Company shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan You enter into or Your use of this Site. To register for Company's services, You must agree to these Terms & Conditions of Use, as well as Company's Privacy Policy and Marketing Practices. You must also accurately complete and submit one or more forms that require certain personal, employment, and financial information.

Once You submit Your information, we share it with Financial Service Providers. The collection, use, and sharing of this information is subject to these Terms & Conditions of Use, and Company's Privacy Policy and Marketing Practices. By registering for Company's services, You understand that You are requesting a referral for a loan from the Financial Service Providers with whom we may share Your information. You further understand that such Financial Service Providers may contact You via email, telephone/mobile device and direct mail so that they may assist You in obtaining the loan requested. Financial Service Providers, Company and/or third party marketing partners may also provide information to You about additional services and products that you may be interested in.

Financial Service Providers may verify Your social security number, perform credit checks with reporting bureaus, review Your information against national consumer transaction databases and/or obtain consumer reports through alternative providers. Company does not guarantee You will be connected with a Financial Service Provider.

Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Financial Service Providers. Nor do we guarantee that that this is the most suitable loan for You in the current marketplace. By submitting Your information to us, You expressly agree to permit Financial Service Providers to verify and investigate the information You have provided.

If You are connected with a Financial Service Provider, You understand Company is not a party to any agreement between You and the Financial Service Provider and that we have no involvement in the registration process. All loan terms are that of the Financial Service Provider. The Financial Service Provider is solely responsible for its services to You and Your communications with the Financial Service Provider are subject to such Financial Service Provider's terms, conditions and privacy practices. You acknowledge that Financial Service Providers may retain the information You provide regardless of whether You ultimately qualify for a loan. Please direct all questions, comments, or concerns involving Your loan to the Financial Service Provider.

Authorized Use

You are authorized by Company to use this Site and display its content, but only for Your personal, non-commercial use as provided elsewhere herein and only as permitted by law. All other uses are strictly prohibited. Such prohibited uses include, without limitation, the reproduction, duplication, copy, sale, resale, or other exploitation of any material, use, or access to this Site, for any commercial purpose.

Proprietary Rights

The content, arrangement, organization, and design of this Site are protected under the copyright, trademark, and related intellectual proprietary right laws of the United States. You do not acquire any ownership in or to any such content, arrangement, organization, or design by or through Your access to this Site or use of Company's services. Any reproduction, duplication, copy, sale, resale, or other exploitation of the content, arrangement, organization, and design of this Site is strictly prohibited.

Disclaimer of Warranties

THIS SITE AND COMPANY'S SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND ARE ACCESSED AND USED AT YOUR OWN RISK. TO THE FULLEST EXTENT OF THE LAW, COMPANY MAKES NO WARRANTIES (INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT), REPRESENTATIONS, OR GUARANTEES, WHETHER EXPRESS OR IMPLIED, VERBAL OR OTHERWISE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COMPANY DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT COMPANY'S SERVICES WILL MEET YOUR REQUIREMENTS; THAT COMPANY'S SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; OR, THAT ANY DEFECTS IN THE OPERATION OR FUNCTIONALITY OF COMPANY'S SERVICES OR RELATED SOFTWARE WILL BE CORRECTED. COMPANY DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT ANY THIRD PARTY'S SECURITY METHODS AND PRIVACY PROTECTION PROCEDURES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; AND ACCEPTS NO RESULTING LIABILITY WHATSOEVER THEREFOR. COMPANY HAS NOT REVIEWED ANY THIRD PARTY SITES THAT MAY BE LINKED TO THIS SITE. YOUR ACCESS TO AND USE OF SUCH THIRD PARTY SITES AND ANY THIRD PARTY PRODUCTS OR SERVICES IS DONE AT YOUR OWN RISK.

Limitation of Liability

IN NO EVENT SHALL COMPANY BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF COMPANY FOR ANY CLAIM ARISING OUT OF YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES-WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY, OR OTHERWISE-IS LIMITED TO THE AMOUNT PAID BY YOU-IF ANY-FOR YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Marketing Materials

By providing your information on the Site, You are giving Your express consent to receive promotional materials from Company, Financial Service Providers and/or third party marketing partners with whom we may share Your information. You further understand that such communications may be via email, telephone/mobile device and direct mail. If You do not wish to receive such marketing materials and/or communications, You may request to be removed by using the relevant opt-out mechanism in such communications.

Third Parties and Third Party Websites

This Site may contain links to third party websites. The inclusion of links to third party websites are not an endorsement of or recommendation for such third party websites or anything contained therein. Such links to third party websites are provided for reference and convenience only. Because Company does not have control over third party websites or anything contained therein, You agree Company is not responsible or liable for Your access to or use of such third party websites. Any access to or use of such third party websites is done at Your own risk.

Your interaction with third parties, including, without limitation Financial Service Providers, along with any and all terms and conditions in conjunction therewith, are solely between You and the third party. Company is not responsible for any loss or damage of any sort incurred as the result of any such dealings.

Electronic Communications/Notices and Information Delivered Electronically

Financial Service Providers, Company and/or third party marketing partners may choose to electronically deliver all information related to its services and your requests. Financial Service Providers, Company and/or third party marketing partners' electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Financial Service Providers, Company and/or third party marketing partners.

You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Financial Service Providers, Company and/or third party marketing partners. This means that Financial Service Providers, Company and/or third party marketing partners may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Financial Service Providers, Company and/or third party marketing partners. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.

Technical Requirements to access and retain information and notices we send or make available to you electronically, you will need:

Internet access with 128-bit encryption
Adobe Acrobat Reader 6 or higher
Ability to Print From Internet Explorer 9 or higher
Firefox version 30 or above
Chrome version 30 or above

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Company by emailing credit.navigation@gmail.com.

Disputes; Choice of Law; Venue

Any dispute arising out of Your access to or use of this Site, or Your use of Company's services, shall be governed by the laws of the State of California without giving effect to any choice of law or conflict of law rules or provisions. Should a dispute arise out of Your access to or use of this Site, or Your use of Company's services, Company expressly reserves the option to require You to first submit the dispute for resolution by binding arbitration before the American Arbitration Association in Los Angeles, California, in accordance with the then existing Commercial Arbitration Rules. ALL DISPUTES BETWEEN YOU AND COMPANY WILL BE RESOLVED BY BINDING ARBITRATION. AS A RESULT, YOU WAIVE YOUR RIGHT TO ASSERT OR DEFEND YOUR RIGHTS IN COURT IN FRONT OF A JUDGE OR JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. The arbitrator shall not have the authority to award any damages which exceed the compensatory damages' actual amount, or the authority to multiply any of the actual damages claimed. Furthermore, the arbitrator shall be prohibited from awarding any incidental, consequential, special, exemplary, or punitive damages; and You waive the right to any claim involving these prohibited damages. Any award rendered shall be final and conclusive, and a judgment thereon may be entered in any court of competent jurisdiction. Company may, in its sole discretion, elect to file an action in any court of competent jurisdiction in Los Angeles County, California, in lieu of and despite the alternative dispute resolution provision contained herein. If You do not wish to be bound by this arbitration clause, You must notify Company in writing within ten (10) days after assenting to the terms herein or Your rejection of arbitration will not be effective. You must send such a request to: Creditnavigator.blogspot.com. Your request must include Your first and last name, email address, the website address of the website You request the opt-out of, Your telephone number and the statement "I reject the arbitration clause stated in Company's Website Terms and Conditions.” If the alternative dispute resolution provision contained herein is unenforceable or does not apply for any reason, any legal claim arising out of Your access to or use of this Site or Your use of Company's services must be brought in the federal or state courts located in Los Angeles County, California. Notwithstanding any applicable statute or law to the contrary, You agree that any claim arising out of Your access to or use of this Site, or Your use of Company's services, must be brought within one (1) year after the cause of action arises, otherwise such claim or cause of action is forever barred.

Export Control

Neither the products, services, nor underlying software of this Site may be downloaded or otherwise exported: (a) into (or to a national resident of) Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods; or, (b) to anyone on the United States Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Denial Orders (each, a "Restricted List"). By using Company's services, You warrant that You are not located in, under the control of, or a national resident of, any such country or on any Restricted List.

Indemnification

You agree to indemnify and hold Company, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all liability, loss, damages, expenses (including reasonable attorneys' fees), claims, actions, suits, and proceedings arising out of or related to: (a) Your use of this Site or Company's services; (b) Your breach of these Terms & Conditions of Use; and/or (c) any dispute between You and any third party. The provisions of this paragraph are for the benefit of Company, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners. Each of these individuals or entities shall have the right to assert and enforce this provision directly against You on its own behalf.

Entire Agreement

These Terms & Conditions of Use set forth the entire understanding and agreement between You and Company with respect to the subject matter hereof, and supersedes any and all prior or contemporaneous agreements. Company's failure to enforce any provision of these Terms & Conditions of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Modification

Company reserves the right to modify these Terms & Conditions of Use or any additional terms that apply to this Site or Company's services at any time. Any such modifications shall take effect immediately. Any use by you of the Site or Company’s services offered in or through the Site shall be deemed to constitute acceptance of such changes.

Non-Waiver; Severability

The failure of Company to enforce any provision in these Terms & Conditions of Use, or to exercise any right outlined herein, shall in no way be deemed as a waiver of this right or the ability to enforce any of the terms and conditions contained herein. If any provision contained in these Terms & Conditions of Use is determined to be invalid, illegal, or unenforceable in any respect under any applicable law, then such provision shall be severed and the remaining provisions of these Terms & Conditions of Use shall remain in full force and effect.

Headings

The headings for sections contained herein are for convenience only and shall not affect the meaning of the provisions of these Terms & Conditions of Use.

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