Privacy Policy

We collect information you provide when you contact us, request access, create an account, complete business verification, or use Horizon Pay services.

This may include business contact details, account information, transaction-related information, payment activity, support messages, and technical data such as device, browser, and usage information.

We use information to provide Pay by Bank services, support merchant onboarding, process and monitor payments, improve product reliability, respond to support requests, prevent fraud, and comply with legal and regulatory obligations.

We may also use contact information to send service updates, security notices, and operational messages related to Horizon Pay.

Horizon Pay is designed to help merchants accept customer bank payments without collecting unnecessary sensitive card data.

Where bank, transaction, or verification data is required, we use it only to provide payment services, manage risk, confirm identity, support settlement, and meet compliance requirements.

We use Plaid Inc. ("Plaid") to connect bank accounts and to move payments. When a customer pays a Horizon Pay payment link, or a merchant connects a bank account for payouts, the bank connection happens inside Plaid. Horizon Pay never sees or stores your bank login details.

Through Plaid we receive only what we need to process the payment, such as the account holder's name, the bank's name, the last four digits of the account, and the status of each transfer. We use this information only to complete payments you start, prevent fraud, and meet legal requirements.

By using our service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your bank. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

We may share information with banks, payment processors, compliance providers, identity verification partners, infrastructure providers, fraud prevention vendors, and professional advisors when needed to operate Horizon Pay.

We may also disclose information if required by law, regulation, legal process, or to protect Horizon Pay, merchants, customers, and the integrity of our services.

We do not sell personal information. We do not share mobile phone numbers or text message consent with third parties for their marketing purposes.

We use administrative, technical, and organizational safeguards designed to protect information from unauthorized access, misuse, loss, and disclosure.

No system is perfectly secure, but we work to protect payment and account information using practices appropriate for financial technology services.

We retain information for as long as needed to provide services, resolve disputes, maintain records, comply with legal obligations, prevent fraud, and enforce our agreements.

Retention periods may vary depending on the type of data and the legal, operational, or compliance reason for keeping it.

When we no longer need information, we delete it or make it anonymous. If you ask us to delete your information, we will complete the request within 30 days, including disconnecting any bank connection made through Plaid. We may keep certain records, such as payment records, when the law requires us to.

You may contact us to request access, correction, or deletion of certain information, subject to legal, compliance, fraud prevention, and operational requirements.

You can also contact us if you no longer want to receive non-essential communications from Horizon Pay.

To make a request, email navdeep@horizonpay.co from the email address linked to your payment or account. We may ask you to confirm your identity before we act on the request.

We may update this Privacy Policy from time to time. If we make material changes, we will update the date below or provide additional notice when appropriate.