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Horizon Card Services Privacy Policy

This Website is brought to you by Horizon Card Services (Company). Horizon Card Services respects the privacy of your personally identifiable information. To better protect your privacy, we provide this Privacy Policy explaining our online information practices and the choices available to you concerning the way that we use the information collected online at this Website (which includes this website and any other webpages maintained by Horizon Card Services).

General Privacy Policy

Information Collection and Use

We collect your personally identifiable information when you register or sign up to receive products and/or services at the Website, even if you do not complete your registration by clicking next/submit. The types of personally identifiable information that we collect at this Website, during registration, and when you make a purchase include, without limitation, your name, street address, e-mail address, telephone numbers, billing account information, and online activity (e.g. internet browsing activity). In addition, we may request information about your use of, or interest in, the types of products and services offered by the third-party advertisers with whom we have partnered to offer you the products and services available at this Website.

By providing us with personal information through the Website or otherwise, you grant us the right to use your personal information for any legal purpose including, without limitation: a) effectuating a purchase from Horizon Card Services that you make at the Website and otherwise taking necessary steps to complete transactions with you; b) responding to your inquiries and requests; c) transferring your personal information to a third party to effectuate a purchase from a third-party advertiser at the Website; d) marketing purposes such as sharing your information with third-party advertisers, partners, and associates; e) ensuring compliance with our Terms and Conditions; f) to respond to a lawful request for information from law enforcement or through judicial process; and g) for validation, identity verification, suppression, content improvement and feedback purposes. You agree that Horizon Card Services may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Website. In addition, you agree, subject to applicable law, that we may use your personal information to provide you with promotional offers through e-mail advertising, telemarketing, text messaging, direct mail marketing, pop-ups, pop-unders and/or online banner advertising.

In connection with the products and services available for purchase at the Website, we may collect your billing account information. We may use your billing account information to bill you for your purchases, and we may share your billing account information with third parties to effectuate any transactions that you enter into at the Website. In addition, by submitting your billing account information to us, you authorize Horizon Card Services to periodically verify that your billing account continues to be a valid and active one by charging and, thereafter immediately crediting, a small sum to your account. Such verification may be conducted through a third-party service provider and, in that case, Horizon Card Services will share your specific billing account information with this third party for verification purposes.

To the extent permitted by law, we may share with third party advertisers certain Website usage information of individuals that have received targeted promotional campaigns for the purpose of formatting future campaigns and upgrading visitor information used in reporting statistics. For this purpose, we may track some of the pages that you visit on our Website through the use of pixel tags (also called clear gifs). By submitting information at and/or registering at this Website, you agree to allow us to share such Website usage information with third parties.

Horizon Card Services as an Agent

In certain circumstances, Horizon Card Services may act as a limited agent for the actual seller of the products and/or services available for purchase at or through the Website. In these circumstances: 1) you will be redirected to the applicable seller's website after you have completed the application page; 2) Horizon Card Services will collect and send your personal information to the respective seller in connection with completing your purchase from the seller; and 3) your purchase will subject you to the seller's privacy policy.

Third Party Links

Horizon Card Services does not endorse, nor is Horizon Card Services responsible for the accuracy of, the privacy policies and/or terms and conditions of each of the third-party advertisers that may advertise at this Website. The entities that advertise and/or place banner ads at this Website including, but not limited to, these third-party advertisers, are independent third parties and are not affiliated with Horizon Card Services.

Your Choices

You may request that we not share your information with third parties by visiting: https://principalplatinumcard.com/a/ft_privacy_opt_out.php and filling out the appropriate information. Please note that changing your preferences regarding the receipt of marketing communications from us will not prevent other companies with which we already have shared your information, including third-party advertisers, from continuing to provide you with offers. When contacted by these companies, you should notify them directly of your choices regarding their use and sharing of your information. In addition, please note that if you subsequently sign up for another one of our product or service offerings, you will need to reconfirm any information sharing preferences that you have previously changed.

Non-Personally Identifiable Information

We may collect certain non-personally identifiable information about you when you visit many of the pages of this Website. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Firefox, Netscape, Internet Explorer, etc.), your IP address, the type of operating system that you use (e.g., Mac OS, Windows, Linux, etc.) and the domain name of your Internet service provider (e.g., America Online, EarthLink, Netzero, etc.).

We use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Website usage, as well as to offer you products and services. We also reserve the right to use aggregate or group data about our visitors for lawful purposes. Aggregate or group data is data that describes the demographics, usage and/or characteristics of our visitors as a group. By visiting and/or supplying your personal information at this Website, you agree to allow us to provide such aggregate data to third parties.

We also may use "cookies" to enhance your experience in using our Website. Cookies are text files that we place in your computer's browser to store your preferences. We use cookies to understand Website usage, to personalize your experience, and to improve the content and offerings on our Website.

How We Respond to Do Not Track Signals

Some browsers may have the option to transmit a "do not track" signal to websites. This Website does not respond differently or limit its practices under the terms of this Privacy Policy when you visit the Website with a browser that uses a "do not track" signal or similar mechanism.

Minors

Horizon Card Services and its products are intended for general audiences and are not directed to individuals under the age of 18, and we do not knowingly collect information from minors under the age of 18. No information should be submitted to, or posted at, this Website by individuals under 18 years of age. If you become aware that a child has provided us with personal information without parental consent, please use one of the communication methods in the "Contact Us" section below. If we become aware that an individual under the age of 18 has provided us with personal information, we take steps to remove such information and terminate the individual's account. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Security

We employ industry standard security measures to safeguard against unauthorized access to information that we collect online. However, since no method of transmitting information over the Internet or storing information is completely secure, we cannot ensure the security of any information you transmit to us or guarantee that information on the Service may not be accessed, disclosed, altered, or destroyed. In the event of a data breach, we will provide you with timely notification as required by applicable law.

Change of Control

If we sell or otherwise transfer part or the whole of Horizon or our assets to another organization (e.g., in the course of a merger, acquisition, bankruptcy, dissolution, liquidation, or other transaction or legal proceeding), your information may be among the items sold or transferred. By using the services, you consent to the transfer of your data if such an event were to occur. The buyer or transferee will be required to honor the commitments we have made in this Privacy Policy.

Privacy Statement for California Residents

This section of the Company's privacy policy applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this section to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this section. This section constitutes the Company's notice at collection under the CCPA.

What is Personal Information?

We may collect, use, sell, or share your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household ("personal information"). "Personal information" does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information.

Certain provisions of the CCPA do not apply to:

  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Personal Information We Collect, Use, Sell, or Share

Collecting Your Personal Information

In the past 12 months, we have collected the following categories of personal information:

  • Identifiers. This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
  • Personal information described in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e)). This may include a name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
  • Commercial information. This may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Characteristics of Protected Classification under California or Federal Law. This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
  • Internet or other similar network activity. This may include browsing history, search history, or information on a consumer's interaction with a website, application, or advertisement.

In the past 12 months, we have collected personal information from the following categories of sources:

  • Consumer Directly (e.g. from forms you complete on our website)
  • Consumer Indirectly (e.g. from consumer activity on our website or our advertisers' websites)

We may collect your personal information for the following business or commercial purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
  • To provide you with account services and support, and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To provide advertising and marketing services.
  • For security and fraud detection, and to debug and identify and repair errors to functionality.
  • To verify, maintain, and improve our products and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

Disclosing Your Personal Information

We may disclose your personal information to service providers and third parties in order to carry out specific business or commercial purposes. In the preceding 12 months, we have disclosed the following categories of consumer personal information for business or commercial purposes to service providers and the following categories of third parties:

  • Identifiers to financial services providers, roadside assistance providers, legal services providers, and prescription drug service providers.
  • Personal information described in the California Customer Records Statute to financial services providers, roadside assistance providers, legal services providers, and prescription drug service providers.
  • Commercial information to financial services providers, roadside assistance providers, legal services providers, and prescription drug service providers.
  • Characteristics of Protected Classification under California or Federal Law to financial services providers, roadside assistance providers, legal services providers, and prescription drug service providers.
  • Internet or other similar network activity to financial services providers, roadside assistance providers, legal services providers, and prescription drug service providers.

Selling Your Personal Information

We may sell your personal information to a third party for a business or commercial purpose. In the preceding 12 months, we have sold the following categories of consumer personal information to the following categories of third parties:

  • Identifiers to financial services providers.
  • Personal information described in the California Customer Records Statute to financial services providers.
  • Commercial information to financial services providers.

In the past 12 months, we have sold personal information for the following business or commercial purposes:

  • Advertising and Marketing Services: We use personal information to provide advertising or marketing services on our own behalf.
  • Commercial/Economic Interests: We use personal information to advance our commercial or economic interest.

It is our business practice not to sell the personal information of minors under 16 years of age and we have no actual knowledge of doing so.

Your Rights Under the CCPA

The CCPA provides you (California residents) with specific rights regarding your personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection, use, sale, and disclosure of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collected about you (also called a data portability request)
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
    • sales, identifying the personal information categories that each category of recipient purchased; and
    • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver's license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, security questions and answer, or unique biometric data generated from measurements or technical analysis of human characteristics.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. If we store any of your personal information in our archived or back-up systems, we will delete your information once the systems are accessed, restored, and/or used.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Opt-Out of Sale of Personal Information

We may sell your personal information to a third party, subject to your right to opt-out of those sales, as described below. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.

If you are 16 years of age or older, you have the right to direct us to not sell your personal information at any time (the "right to opt-out"). However, we will not sell the personal information of consumers that, to our actual knowledge, are less than 16 years of age.

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by visiting our website and sending us a message. We will only use personal information provided in an opt-out request to review and comply with the request.

Exercising Your Rights Under the CCPA

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by contacting us in any of the ways noted below in the section labeled "Contact Us." Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

If you are making the request, you must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

If your authorized representative is making the request, the representative additionally must provide proof of authorization.

Once you submit your verifiable consumer request, we will verify your identity by matching the information you provided us with information in our systems. If you submit a request to know specific pieces of personal information or a request to delete certain information, in addition to verifying your identity with information we have on file, you also may be required to submit a signed declaration under penalty of perjury stating that the requestor is the consumer whose personal information is the subject of the request. If we are unable to respond to your request for specific pieces of information, we will evaluate your request as if it is a request to know the categories of personal information that we have collected about you.

If you have a password-protected account with us, we may verify your identity through our existing authentication practices for your account and we will also require you to re-authenticate yourself before we disclose your personal information. If we suspect fraudulent or malicious activity on or from your account, we will not comply with your request until we perform further verification to determine whether your request is authentic and you are the person about whom we have collected the personal information.

We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA.

Generally, if we are unable to verify your identity, we will deny your request and inform you of our inability to verify your identity and explain why we were unable to do so.

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, you may select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by mail or electronic mail communication.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Please note that we are only required to respond to your request for access to your personal information twice within a 12-month period.

Exercising Right to Opt Out of Sale of Your Information

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us using either (i) the Do Not Sell My Personal Information form, (ii) the communication methods listed in the "Contact Us" section below, or (iii) through a user-enabled global privacy control (e.g., browser plugin, privacy setting, device setting, or other similar mechanism).

We will act upon your request as soon as feasibly possible, but no later than 15 business days from receipt of your request. We will also instruct any third parties to whom we have sold your information after you submitted you request, if any, to not further sell the information and we will immediately notify you when we have done so.

If we have a good-faith, reasonable, and documented belief that a request to opt-out is fraudulent, then we may deny the request, and we will inform you of the denial and provide you with an explanation regarding why we believe the request is fraudulent.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an electronic message through our website or write us at our address listed on our webpage.

Changes to Our Privacy Statement for California Residents

We are required by law to update this California Privacy Statement at least once each year. This California Privacy Statement was last updated on 03/10/2021.

Policy Changes, Acceptance, and Contact Information

Changes to Our Privacy Policy

We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated Privacy Policy on the Website and update the Privacy Policy's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Acceptance

By using the Website and/or agreeing to receive information via e-mail from Horizon Card Services, you agree to this Privacy Policy. We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Website. Please check this page periodically for any changes. Your continued use of the Website and/or use of your account following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.

Contact Us

If you have any questions or comments about this Privacy Policy, or would like more information about our privacy practices, please contact us using the methods described below. For California residents seeking information about the ways in which we collect and use your information, your choices and rights regarding such use, or wish to exercise your rights under California law, please contact us using the methods described below:

  • Call our Member Services department at 1-800-251-6144, Monday through Friday from 8:30 a.m. to 9:00 p.m. EST, and Saturday from 9 a.m. to 4 p.m. EST (excluding holidays).
  • Send an e-mail message to [email protected]
  • Send correspondence by mail to the address below:

    Horizon Card Services
    Attn: Compliance Officer
    PO Box 1275
    Indiana PA 15701

To opt-out of any future messages please visit https://principalplatinumcard.com/a/unsubscribe.php.

Effective Date: April 14, 2021

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