|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR)||None|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.|
Activation and Maintenance Fees
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Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement.
7-day Risk-Free Trial: Enroll now and try our services for 7 days. On the next day after the end of the 7-day trial period, if you have not called us at 1-800-251-6144 to cancel your Horizon Card Services Account or cancelled online at www.memberbenefitaccess.com, we will charge your U.S. credit card or U.S. debit card the monthly membership fee and activation fee if applicable.
About The Horizon Card Services Account: The Horizon Card Services Account is a line of credit that can be used by an Accountholder to shop exclusively at our online shopping website www.theHorizonOutlet.com. This product is not a Visa, Mastercard, or debit card. After obtaining a Horizon Card Services Account, you can make purchases of select items available at or through our website. There are no down payment requirements for purchases at our website. You may not use the Horizon Card Services Account to pay shipping and processing fees. Instead, you must use a valid and active U.S. credit card or debit card to pay for shipping and processing for your Horizon Outlet purchases and to pay your Horizon Card Services Account fees.
About This Offer: You must be at least 18 and possess a valid and active U.S. credit card or debit card. There are no credit bureau checks, employment requirements, or restrictions applicable to those with past bankruptcy history. If we cannot verify your identity or you do not meet our ability to pay requirements, we may be unable to open an account for you. We reserve the right, in our sole discretion, to reject any application for any reason or for no reason.
Mobile Telephone - Permission to Contact: By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls. It may include calls from companies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at any time by contacting us.
About us: 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. Horizon Card Services does not facilitate or provide assistance in obtaining credit from any other credit-issuing entities. Horizon Card Services does not charge an advanced fee to establish credit and does not attempt or claim to attempt to repair a customer's credit history.
This Horizon Card Services Agreement ("Agreement") includes the Pricing Summary and governs the Horizon Card Services Account. We, us, and our refer to Reliant Holdings, Inc., DBA Horizon Card Services, the provider of the Horizon Card Services Account credit line access, benefit access, and the Horizon Outlet. ("Account") refers to your Horizon Card Services Account. You, your, and yours refer to the person who has applied for the Horizon Card Services Account. By submitting a request for a Horizon Card Services Account and/or using our Horizon Card Services™ service (the "Service"), you agree to this Agreement. You must possess a valid and active U.S. credit card or debit card account ("Bank Account"). You must use this Bank Account to pay your Horizon Card Services Account fees and to pay for shipping and processing for your Horizon Outlet purchases. ("Accountholder") refers to the person whose name is on the Horizon Card Services Account.
One Time Account Activation Fee: See Pricing Summary for amount.
Monthly Membership Fee: See Pricing Summary for amount. The Monthly Membership Fee will be charged to your Bank Account each month and will show on your bank statement as Horizon Card Services. Upon payment of this fee, you are entitled to membership benefits. Benefits include access to an unsecured credit line, Credit Hawk, My Universal RX, My Roadside Protection and My Legal Assistance benefits. Benefits can be accessed through this website: www.memberbenefitaccess.com.
Shipping and Processing Fees and Important Policies: You must pay shipping and processing fees in full, using your Bank Account, prior to items being shipped. Shipping and processing fees are non-refundable. Items purchased from the Horizon Outlet are subject to www.thehorizonoutlet.com/returnpolicy. Please review these policies and make sure you fully understand and agree to these policies, which include important information on shipping and processing, refunds, returns and final sale/non-returnable items.
Membership Cancellation: You may cancel your membership at any time. If you cancel your membership, you will lose your benefits, including your access to new purchases, effective immediately after cancellation. To cancel your membership call Member Services 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) or online at www.memberbenefitaccess.com.
Minimum Monthly Payment: The minimum monthly payment for any given month is the greater of: a) 10% of the Horizon Outlet Account balance at the end of the month or b) $25.00 (or the entire Horizon Outlet Account balance if it is less than $25).
Purchases and Monthly Billing: You will be electronically/paper billed monthly for the minimum payment due on your Horizon Outlet Account. Only Accountholders that are in good standing may make purchases at The Horizon Outlet and receive additional Accountholder's 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 Outlet Account.
Your Promise to Pay: You agree to pay all charges on your Horizon Outlet Account regardless of your membership status in accordance with this Agreement and agree to pay at least the minimum payment due shown on each monthly electronic bill/paper statement. You can pay the full Horizon Outlet Account balance at any time. All payments must be received on the date indicated on the electronic bill/paper statement. 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. You must continue to make your minimum monthly payment until you have paid in full. You can pay in full at any time.
Credit Bureau Reporting: Horizon Card Services will report your new Horizon Card Services 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. Horizon Card Services does not guarantee aid in building or re-building credit, or to the posting of any positive references to any credit report. Late payments, missed payments, or other defaults on your Account may be reflected in your 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. We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. If you believe that information we reported is inaccurate or incomplete, please write us at Horizon Card Services, P.O. Box 1275, Indiana, PA 15701. Please include your name, address, home phone number and Account number.
How it Works: Upon activation of your membership, you will receive various benefits including access to a line of credit to use exclusively on purchases available through the Horizon Outlet Website. Your Horizon Card Services Account will not work at any other website. Purchases are subject to standard shipping and processing fees, which must be paid using your Bank Account.
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 8:30 a.m. until 9:00 p.m. Please call 1-800-837-4997 for Customer Advocacy.
Horizon Card Services Membership: As a Member, you will receive privileges in CREDIT HAWK, MY UNIVERSAL RX Prescription Discount Plan, MY LEGAL ASSISTANCE and MY ROADSIDE PROTECTION Plan. Use of Credit Hawk requires activation. Upon activation with Account, 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 at 800-251-6144 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.
Credit Hawk: To activate your Credit Hawk benefits and view your credit report, visit www.memberbenefitaccess.com and log into your account using the credentials issued to you upon approval of your membership.
My Universal Rx: Members receive up to 50% off at over 55,000 pharmacies nationwide. Check www.memberbenefitaccess.com or call Member Services for selected medications and changes.
My Roadside Protection: Roadside coverage begins 5 days from the date of enrollment or membership reinstatement. Members are eligible to receive up to 1 service call or towing request every 30 days and no more than 3 within a twelve‐month period. Towing costs covered in the plan are capped at 15 miles. Any towing costs from a service that exceed 15 miles are the member's responsibility. Members are also responsible to cover Towing or Service Call costs that exceed $50.00. Additional mileage and associated towing costs must be paid by the member at the time of service. Service calls include fluid delivery (up to 2 gallons of fuel which you must re‐pay at the current pump price for your area), Lock out service and flat tire change service with the spare tire you provide. This service is not eligible for accident vehicle recovery.
My Legal Assistance: Members will receive 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.
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 is up to date. 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.
Incomplete Applications: By clicking 'submit' on the application page, you grant us permission to contact you, when necessary, via e-mail or telephone to complete your application. If we approve 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 your Account.
Updating Your Phone Number and Other Information: When you apply for an Account, you agree to provide accurate, current and complete information about yourself ("Application Data"). You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. We reserve the right, in our sole discretion, to terminate your Account for inaccurate, untrue, deceptive and/or incomplete Application Data. Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling us at 800-251-6144.
Contact Authorization: When you provide us with an email address, you authorize us to contact you by email. When you provide us with a telephone number, you expressly authorize us to contact you by voice or text using automatic dialing equipment and artificial or prerecorded voice messages. These communications may be monitored or recorded. You authorize these contacts even if the number is a mobile phone number or converts to a mobile phone number, and even if you are charged by your service provider. These contacts may concern debt collection, notification of potential fraud, or for other Account-servicing purposes. This authorization covers successors, assigns, affiliates, agents and contractors. You agree to maintain an active email account and telephone number at which we can contact you. You agree to provide us with that email address and telephone number and to notify us immediately of any changes to that contact information. You may change your preferences or update your contact information by calling Customer Service at 800-251-6144.
Telephone Monitoring: You agree that we (and our affiliates, agents and contractors) may monitor and record any calls between you and us.
Default: Your Horizon Card Services 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, we 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. Furthermore, you understand and agree that if we are unable to obtain payment from your bank, we reserve the right to immediately terminate your Horizon Card Services Account or reduce your available credit until a consistent payment history has been established.
Changes to Your Agreement: The fees and terms of this Agreement may change and we may add or delete any term to this Agreement, consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.
Choice of Law/No Waiver/Severability: 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). To the extent that anything in or associated with the websites, 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 the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute between you or us ("Claim"), either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. Any Claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any new Claims later asserted in that lawsuit.
CLASS ACTION WAIVER.
ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER ACCOUNTHOLDERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular claim for relief, then after all appeals from that decision have been exhausted, that claim (and only that claim) must be severed from the arbitration and may be brought in court. Only a court, and not an arbitrator, shall determine the validity, scope, and effect of the Class Action Waiver.
Your Right to Go To Small Claims Court.
We will not choose to arbitrate any individual claim you bring in small claims court or your state's equivalent court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to arbitrate.
Governing Law and Rules.
This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitration organization, but the rules in this arbitration agreement will be followed if there is disagreement between the agreement and the organization's procedures. If the organization's procedures change after the claim is filed, the procedures in effect when the claim was filed will apply. For a copy of each organization's procedures, to file a claim or for other information, please contact:
If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court with jurisdiction appoint a substitute.
Fees and Costs.
If you wish to begin arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will advance those costs if you ask us in writing. Any request like this should be sent to Horizon Card Services, PO Box 1275, Indiana, PA 15701 If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement of money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys' fees and costs (if actually paid by you).
Hearings and Decisions.
Arbitration hearings will take place in the federal judicial district where you live. A single arbitrator will be appointed. The arbitrator must:
The arbitrator's decision will be final and binding except for any review allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be filed with the arbitration organization not later than 30 days after the original award issues. The appealing party pays all appellate costs unless the appellate panel determines otherwise as part of its award.
Claim Notice and Special Payment.
If you have a Claim, before initiating an arbitration proceeding, you may give us written notice of the Claim ("Claim Notice") at least 30 days before initiating the arbitration proceeding. The Claim Notice must include your name, address, and account number and explain in reasonable detail the nature of the Claim and any supporting facts. Any Claim Notice shall be sent to us at Horizon Card Services, PO Box 1275, Indiana PA, 15701 (or such other address as we shall subsequently provide to you). If, and only if, (1) you submit a Claim Notice in accordance with this agreement on your own behalf (and not on behalf of any other party); and (2) an arbitrator, after finding in your favor in any respect on the merits of your claim, issues you an award that (excluding any arbitration fees or attorneys' fees and costs awarded by the arbitrator) is greater than the value of Horizon's last written settlement offer made before an arbitrator was selected, then you will be entitled to the amount of the award or $7,500, whichever is greater. If you are entitled to the $7,500, you will receive in addition any arbitration fees or attorneys' fees and costs awarded by the arbitrator. Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction.
Other Beneficiaries of this Provision.
In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any third party co-defendant of a claim subject to this arbitration provision; and all joint Accountholders and Authorized Users of your Account(s).
Survival of this Provision.
This arbitration provision shall survive:
You Have the Right to Reject Arbitration for this Account.
You may reject the arbitration agreement but only if we receive from you a written notice of rejection within 45 days after your Account is opened. You must send the notice of rejection to: Horizon Card Services, PO Box 1275, Indiana PA, 15701.Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement. If you reject arbitration, neither you nor we will be subject to the arbitration provisions for this Account. Rejection of arbitration for this Account will not constitute rejection of any prior or future arbitration agreement between you and us.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at Horizon Card Services, P.O. Box 1275, Indiana, PA 15701
In your letter, give us the following information:
You must contact us:
You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
While we investigate whether or not there has been an error:
After we finish our investigation, one of two things will happen:
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your statement.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
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