SCOPE AND PURPOSE:

This privacy policy (“Policy”) outlines how Horizon Medical Billing and its affiliated companies, subsidiaries, and parent companies (referred to as “Horizon,” “we,” “us,” “our,”) collect, use, and disclose information obtained from you through various websites and applications, including https://horizonmso.com/, that link to this Policy (collectively referred to as the “Sites”). This Policy also governs the collection of information that occurs offline, such as when you visit our physical offices, attend Horizon events, or interact with our representatives at other events, or in any other circumstances where this Policy is made available to you.

The terms of this Policy are not applicable to Horizon product offerings that have separate privacy policies or to third-party websites that we may link to. We have no control over and cannot be held responsible for the privacy practices of third-party websites. Therefore, we advise you to review any relevant privacy policies of these third-party websites independently.

Horizon processes data on behalf of healthcare providers in accordance with the agreements we have with our customers. These agreements may require Business Associate Agreements as per the Health Insurance Portability and Accountability Act (“HIPAA”). Your healthcare provider may have its own policies and practices regarding the collection and use of your data. We are not responsible for how your healthcare provider handles your information, and it is advisable that you review their privacy policies.

WHAT ARE THE SERVICES OR FUNCTIONS PROVIDED BY HORIZON MEDICAL BILLING?

Horizon, headquartered in the United States, is a company that provides network-enabled services to healthcare, hospital, and ambulatory customers across the country. Our healthcare cloud-based solutions provide healthcare providers with various options such as electronic health records, patient engagement tools, and revenue cycle management. For further details regarding Horizon, kindly refer to the “About” section on https://horizonmso.com.

Horizon Communications Policy

At Horizon, we prioritize transparency, compliance, and respect in all our communications. As a medical billing, medical coding, provider credentialing, and revenue cycle management (RCM) company, we ensure our practices align with the highest standards. Below, we outline how we communicate with our clients and staff, as well as our commitment to safeguarding your information and respecting your preferences.

➜ Communication Channels

1️⃣ Use of SMS

We strictly use SMS for:

1. Communicating with contracted clients regarding work-related needs.
2. Internal discussions among our staff.

Example:

1. A contracted healthcare provider may receive an SMS like: “Dear [Provider Name], your billing update for January is now available in your portal. Please let us know if you have any questions. — Horizon Team”

2. SMS among staff might look like: “Reminder: Team meeting tomorrow at 10 AM to discuss the credentialing process updates.”

Important Note:

We never send promotional or marketing messages to any individual or business.

2️⃣ Ring Central

We exclusively use RingCentral to communicate with:

1. Our contracted healthcare providers.
2. Our internal staff.

Example:

1. A contracted client may receive a RingCentral message or call like: “Hi Dr. Samuel we’ve successfully processed the claim batch you submitted yesterday. Please let us know if there’s anything else we can assist with.”
2. Internal staff messages may include: “The updated policy document for billing is now available in the shared folder. Please review it before the next team meeting.”

We use RingCentral only for work-related discussions—there is no promotional or marketing communication through this platform.

3️⃣ Initial Contact

At Horizon, we do not initiate contact with healthcare providers through unsolicited marketing messages or promotions.

If a healthcare provider fills out our “Contact Us” form on the Horizon website to schedule a consultation or request information, they explicitly provide their consent to be contacted by our Customer and Sales Team for the requested discussion.

When submitting the form, the provider agrees to the following terms: “I consent to receive SMS from Horizon. Reply STOP to opt-out; Reply HELP for support; Message and data rates apply; Messaging frequency may vary.”

Important Clarification: While this consent is collected as an added precaution, we never send SMS to healthcare providers who simply fill out the contact form on our website. Our primary mode of communication in such cases is always via phone calls, ensuring a direct and professional approach.

1. Example: A provider who schedules a free demo may receive a call like: “Hello Dr. Michal, this is Sarah from Horizon. Thank you for scheduling a consultation with us to learn about our RCM services. How can we assist you?”

4️⃣ Client Communication

Once a healthcare provider becomes a contracted client, we use RingCentral and/or SMS to communicate about:

1. Medical billing services.
2. RCM-related queries and updates.
3. Help and support for their contracted services.

Examples:

1. SMS to a contracted client: “Hi Dr. Alexander, we’ve resolved the coding issue you flagged yesterday. Please check your dashboard for updated claim details. — Horizon Team”
2. RingCentral chat with a client: “Good morning! Just a reminder that your quarterly report will be ready for review by the end of the week.”

Note:

1. All communication is strictly work-related, never promotional or marketing.
2. Clients can opt out of SMS communication at any time by replying STOP.

5️⃣ Consent and Opt-Out Options

Before we send any SMS communication, clients explicitly provide their consent to receive messages. This consent is solely for messages related to work purposes or service-specific, work-relevant updates. These communications are directed exclusively to contracted healthcare providers (our clients).

Examples of SMS Communication with Consent:

1. “Hello Dr. Adams, your monthly billing summary has been updated in the portal. Please review and let us know if you need assistance. — Horizon Team”
2. “Hi Dr. Julian, this is a reminder for tomorrow’s call regarding the RCM adjustments you requested. Let us know if you need to reschedule.”

Opt-Out Option:

Once a healthcare provider decides to discontinue our services or their medical billing contract with Horizon has ended, we automatically stop sending them messages. However, for their added peace of mind, we also provide an easy opt-out option for SMS communications.

Opt-Out Instructions:

1. Clients can reply STOP to any SMS received from Horizon at any time to stop receiving further messages.
2. Once a client opts out or their contract ends, we ensure no further communication is sent unless initiated by the client.

Example of an Opt-Out Message:

“You have successfully opted out of SMS communication from Horizon. Thank you for working with us. If you need assistance in the future, feel free to contact us directly.”

Opt-In & Opt-Out Method

Horizon, as a message sender, maintains a private healthcare relationship with the recipient, who is one of their contracted clients. Consent for messaging is obtained either verbally or through digital forms.

Verbal Consent:

If consent is given verbally, the sender clearly identifies themselves as Horizon and explains the purpose of the messages, which may include general medical billing consultancy or business communications. Recipients are informed about how to opt out by replying “STOP” at any time and can receive assistance by replying “HELP.” They are also made aware that message frequency may vary and that standard messaging and data rates may apply. Additionally, recipients are notified about Horizon’s privacy policy and terms of service related to messaging communication.

Digital Consent:

When consent is obtained through online forms, the following statement is presented:

“By providing your phone number and clicking ‘Submit,’ you consent to receive text messages from Horizon if you become a contracted customer. You also agree to our Communications Policy and Privacy Policy. Consent is not required for purchase. Message frequency may vary, and standard message/data rates may apply. Reply HELP for assistance or STOP to opt out.” 

➜ Verbal Consent for SMS Communication 💬

At Horizon, we are committed to maintaining transparent and compliant communication with our clients. To ensure compliance with carrier SMS policies and obtain clear consent from our customers, we have implemented a verbal consent process that adheres to all necessary guidelines.

✅ Verbal Opt-In Script:

When a customer registers for our services for the first time, Horizon’s trained staff members follow a standardized verbal script to obtain consent for SMS-based notifications related to their contracted service.

The verbal consent script is as follows:

Horizon’s Staff Member:

“Thank you for choosing Horizon. To keep you informed, we offer SMS notifications for billing reminders, account updates, and service-related alerts. Before confirming your opt-in, I need to share a few details:

1. You’ll receive automated texts related to your account. Message and data rates may apply.
2. Frequency varies but will not exceed [100] messages per month.
3. Reply STOP to unsubscribe at any time, or HELP for support.
4. Your number will not be shared with third parties for marketing.

May we send you SMS notifications with these details in mind?”

Customer:

“Yes, I agree.”

Staff Member:

“Thank you! You’ll receive a confirmation text shortly. Remember, you can unsubscribe anytime by replying to STOP.”

✅ Additional Measures for Consent:

To further ensure proper consent, we also offer our clients an SMS Consent Form, which outlines the details of the communication they will receive and provides them with an opportunity to formally agree. The SMS Consent Form includes the following statements:

1. I agree to receive automated text messages.
2. I can reply STOP to opt-out.
3. I can Reply HELP for support.
4. Message and data rates may apply.
5. My consent is not required to purchase goods or services.
6. Message frequency varies.

To further ensure proper consent, we also offer our clients an SMS Consent Form, which outlines the details of the communication they will receive and provides them with an opportunity to formally agree.

By using this comprehensive verbal consent process, Horizon ensures that our customers are fully informed and can easily manage their communication preferences. This approach demonstrates our commitment to protecting our clients’ rights and maintaining compliance with SMS regulations.

➜ How Do We Use Forms on Our Website?

At Horizon, the forms available on our website are specifically designed to help healthcare providers conveniently schedule a free demo or consultation regarding our services. This process ensures that the providers themselves are in control of appointing a time to engage with us.

Here’s a detailed breakdown of how our forms are used and how we handle communication:

✅ Purpose of the Form:

1. When a healthcare provider fills out our “Contact Us” form, they are requesting to schedule a call with our team to discuss our services, such as medical billing, medical coding, provider credentialing, and revenue cycle management.
2. This form submission reflects the provider’s voluntary interest in learning more about what we offer.

✅ First Step: Communication Over Call Only

1. Once the form is submitted, our Customer Support Team reaches out to the provider via phone on the number they have provided.
2. We never send SMS messages at this stage. All communication is conducted through phone calls, ensuring a professional and direct approach.

Example:

A healthcare provider might fill out the form to request a demo. Our team would then contact them with a call like: “Hello Dr. James, this is John from Horizon. Thank you for filling out our Contact Us form and scheduling a consultation. We’d love to walk you through our services. Do you have a few minutes now to discuss?”

✅ Becoming a Contracted Client:

1. If the healthcare provider decides to work with us and becomes a contracted client, we proceed to establish further communication channels. At this point, we seek their explicit permission to use SMS as a method of communication.
2. SMS messages are only used for day-to-day affairs, such as work updates, answering service-related queries, or providing essential information.

✅ No Marketing Messages:

1. Even after the provider becomes a contracted client, we never send marketing or promotional messages. SMS communication is strictly limited to work-relevant topics.

Example of Work-Related SMS After Contracting:

“Hi Dr. Jasica, your latest claim submissions have been processed. Please check your portal for details or let us know if you need assistance. —Horizon Team”

➜ Commitment to Privacy and Security

1. HIPAA Compliance

We safeguard Protected Health Information (PHI) through:

1. Encryption: All data (emails, SMS, calls) is encrypted in transit and at rest.
2. Access Controls: PHI is accessible only to authorized personnel.
3. Business Associate Agreements (BAAs): RingCentral and other vendors comply with HIPAA.
4. Audits & Training:
   1. Regular security audits.
   2. Annual staff training on HIPAA updates.

2). Data Protection

Your information is protected with enterprise-grade measures: 

• 1. Secure Storage: Data is stored in HIPAA-compliant servers with multi-factor authentication.
  2. Strict Confidentiality:
     1. Client details are never shared with third parties without consent.
     2. Data is retained only as long as legally required.
  3. No Spam: We do not sell, rent, or trade contact information.

Example of Our Commitment:

1. When a client’s contract ends, all communication stops, and their information is securely archived as per HIPAA regulations.

3). Transparency in Communication

We believe in clear, honest, and respectful communication. Whether you are an existing client or a prospective one, our practices ensure that we communicate only for legitimate reasons and always with your consent.

If you have any questions about this policy or wish to learn more, please contact us via the form on our website or call our designated contact number.

➜ FAQs

How do you use the forms on your website?

Our forms let healthcare providers schedule consultations or demos. Once submitted, we call the provider directly—no SMS is sent at this stage.

Do you send marketing messages?

No, we never send marketing or promotional messages. SMS is strictly for work-related updates and queries for contracted clients.

When do you use SMS to communicate?

We use SMS only after a provider becomes a contracted client, and only for service-related updates and support.

How does opt-in for SMS work?

Consent is obtained when clients provide their details or fill out our forms. However, SMS is used only after they become contracted clients.

Can clients opt out of SMS communication?

Yes, clients can reply STOP to any SMS, and we immediately stop sending messages. This is also an option if their contract ends.

Do you use automated messaging?

No, we do not currently use automated messaging. If used in the future, it will fully comply with RingCentral’s policies and guidelines.

What guidelines do you follow for SMS communication?

We comply with RingCentral’s policies, such as not exceeding message limits, avoiding link shorteners, and obtaining express consent.

Are there prohibited messages or campaigns you avoid?

Yes, we do not send messages related to loans, debt relief, political ads, or any prohibited content as per RingCentral guidelines.

What happens if a client’s contract ends?

We stop all SMS communication once a contract ends, but we still provide opt-out instructions for added peace of mind.

Are you compliant with HIPAA regulations?

Yes, Horizon is fully HIPAA-compliant, ensuring all communication and client information is secure.

If you have inquiries, remarks, or wish to exercise your rights under an applicable state law concerning this Policy, the ways in which Horizon collects and uses your information as described here, or your choices and rights regarding such use, please contact us via:

1. Contact Form

WHAT KIND OF PERSONAL DATA DO WE GATHER?

Personal information is data that can be utilized to identify an individual. The specific types of personal information we gather depend on the nature of your interactions with us. In the last 12 months, we have obtained personal information that falls under the following broad categories:

Identifiers, which includes details like your name, email address, or IP address.

Information from our customer records, like your postal address or phone number.

Commercial information, such as information regarding products or services that you have purchased.

Electronic network activity information, such as your engagement with our website.

Professional or employment-related information, such as your job title or employer.

Geolocation data, which may include general location information (such as city/state) derived from your IP address or precise location information obtained via GPS-based functionality. In cases where we require precise geolocation information, we will seek your permission to collect or use it, in accordance with relevant legal requirements, particularly if it is classified as “sensitive” information under applicable law.

THROUGH WHAT MEANS DO WE COLLECT YOUR PERSONAL DATA?

We may obtain your personal information in various ways, which include the following:

Information that you directly provide to us, such as when you voluntarily fill out fields on the Sites, request specific services or information, participate in surveys, or contact our customer service. Depending on how you interact with us, we may ask for details like your name, organization/practice name, email address, phone number, and user type (e.g., patient, provider, partner). If you have an account with us, we may also collect login information like your username or Practice ID. If you attend our physical events or visit our offices, we may ask for information such as health and travel details to ensure the safety of our personnel, clients, guests, and the public.

Automatic data collection technologies, like those mentioned in the “Cookies and Automated Data Collection Technologies” section below, may be used to collect information about your device and your visit to our Sites. This data may include your IP address, geolocation, browser type, device type, mobile device identifiers, and activity reflecting your browsing history on our Sites (such as mouse movements, clicks, touches, scrolls, and keystrokes).

Information from other sources, such as lead generation companies, social networks, or business partners offering co-branded services or assisting with the sale or distribution of our products, may also be collected. We may also obtain information from other users of our services or publicly available sources.

IN WHAT WAYS DO WE UTILIZE YOUR PERSONAL DATA?

We utilize your personal information in the following ways:

In ways that are expected based on the reason for collecting it. For instance, if you contact us with a request for information, we will use your information to respond to your request. To provide, enhance, and improve our services, including optimizing our Sites’ functionality and identifying areas of interest for our visitors and users. Feedback from surveys, screeners, and other feedback mechanisms may be used to develop new products and services. To identify and authenticate you as an existing user or a prospective client. To enable cross-device/cross-context tracking for your account(s). To communicate with you through emails, newsletters, announcements, and other types of communication. To maintain the safety, security, and integrity of our Sites and services, and for legal compliance purposes. To ensure the safety of our personnel, clients, guests, and the public. For purposes explained at the time of collection or other business purposes consistent with the context of the collection.

We may use non-identifiable information (such as aggregated, anonymized, or de-identified data) for any purpose that is not prohibited by applicable law.

IN WHAT WAYS DO WE DISCLOSE OR EXCHANGE YOUR PERSONAL DATA?

The personal information we reveal for commercial purposes falls into these categories: identifiers, commercial data, internet activity, and geolocation data.

We may share your personal information outside of Horizon in the following circumstances:

1. We may share your personal information with external service providers and vendors who offer us services, such as analytics, content management, advertisement administration, marketing-related insights, market research, and marketing efforts analysis.
2. We may collaborate with third-party providers who offer audience matching services. For example, we utilize the Facebook pixel on our non-patient-facing Sites and may share your email address with a social media service to aid in our social media marketing services. This enables us to locate additional potential customers with interests similar to yours. Some technology services may provide their own data to us, which we then upload into another technology service to identify common factors among those data sets.
3. We may share your personal information with our affiliates and related entities for business purposes, such as customer support, marketing, technical operations, and other business operations. We may also reveal your information to affiliates for commercial purposes.
4. If you make your information accessible or public to other users of the Sites, such as through posting reviews related to partners or other content, you should exercise caution as you are responsible for the content you post and how others may use it. Once you have posted information, you may not be able to modify or remove it.
5. We may disclose your personal information with our customers when you participate in our surveys as an authorized user, during the onboarding process, when providing feedback on our services, surveys conducted post-interaction with our support or training teams, and other surveys, such as focus groups and usability design activities like click tests, card sorts, and other tests and surveys in which you participate. If you complete a survey, we usually inform you beforehand that we will share your information with our customers.

We may also reveal your information to other entities in the following situations: When you provide us with your consent to share or utilize information about you; When we believe it is necessary to share information about you to fulfill a service you have requested from us or others; When we are legally obligated or compelled to disclose information, such as in response to a lawful request by public authorities or to meet national security or law enforcement requirements; When we deem it necessary to prevent legal violations or liability; To safeguard the rights, property, life, health, security, or safety of ourselves, the Sites, or anyone else; In the event of an actual or potential purchase, merger, or acquisition of all or a part of our business by an actual or potential buyer (and their agents and advisers); At your request or direction, such as when you elect to share information about your activities on the Sites with a social network; or With any other party with your consent and advance notice of the disclosure.

However, we may still disclose information that does not identify you and could not reasonably be used to identify you (including aggregated, anonymized, or de-identified data) as allowed by relevant laws. Concerning de-identified patient information, we only share such data with third parties if it is authorized under our agreements with our clients and is in accordance with the requirements of HIPAA or other applicable laws. We use either the safe harbor method or the expert determination method as set out in HIPAA. The third parties who receive the de-identified data include third-party vendors and service providers with whom we have partnerships or relationships, as well as academic researchers and institutions that contribute to the healthcare industry.

HOW DO WE SAFEGUARD AND RETAIN DATA

We safeguard your information using various security measures, including encryption for sensitive information. However, we can’t guarantee that your information is completely secure. We keep information for different periods depending on why we collected it, and we won’t keep it longer than needed unless required by law. Sometimes we may be unable to delete or de-identify your information for technical or operational reasons, but we’ll take steps to prevent further processing.

DATA COLLECTIONS METHODS AND TECHNOLOGIES INCLUDING COOKIES

Our websites use various automated data collection technologies including cookies, pixels, ad tags, SDKs, clear GIFs, session replay scripts, and JavaScript to enhance user experience, gather statistical information on website usage, and maintain website security. Cookies, which are small text files stored on your device, are among these technologies and help the website to function effectively.

We use cookies and other similar technologies on our Sites to help us gather statistical information about how visitors use the Sites, maintain security, and improve your experience. Additionally, cookies enable us to deliver advertisements, some of which may be personalized based on your behavior on the Sites. To help us deliver these ads, we work with third-party partners who may collect information about you across our Sites and third-party sites over time to gain insights into the goods and services that may interest you. This information can also be used to associate different devices that you use.

To manage your cookie preferences, you can access the “cookie preferences” link located at the bottom of any of our websites.

TECHNOLOGY INTEGRATIONS AND SOCIAL MEDIA

Our services and websites may contain integrations with social media and technology platforms that are operated by separate entities. Additionally, we may collect information from third-party social media and marketing companies to improve our data sets. Our sites contain hyperlinks to websites, platforms, and other services that are not operated or controlled by us. We may use a pixel or SDK on our Sites that enables you to “like”, “share” or log in to your account through social media. If you decide to interact with this integration, we may receive information from the social network you have authorized to share with us. Please be aware that the social network may also collect information about you independently. We may provide our content on social media platforms, and any information you give us while interacting with our social media content will be handled in accordance with this Policy. If you publicly mention our Sites on social media, we may use your mention on or in relation to our Sites. Our Sites may allow you to link your account with a partner or another service to retrieve certain data about your account. If you link your account, we may obtain information such as your username and email address. To learn more about how these platforms handle your information, please refer to their respective privacy policies and terms of use.

When you engage with third-party entities, such as when you leave our Sites, they may collect information from you and store it according to their own policies and practices. This includes what information they share with us, your rights and choices, and where they store information. To understand how these entities handle your information, we recommend reviewing their privacy policies and terms of use.

RIGHTS FOR RESIDENTS OF APPLICABLE STATES

Residents of states with applicable consumer privacy laws may have the following rights: the right to know whether we process their personal information; the right to access their personal information; the right to correct inaccuracies in their personal information; the right to have their personal information deleted; the right to receive a portable and readily usable copy of their personal information; the right to opt out of the sale or sharing of their personal information; the right to opt out of the processing of their personal information for targeted advertising or automated decision-making purposes.

If you reside in a state that mandates prior consent for processing sensitive personal information for specific purposes, we will obtain such consent, and you may withdraw it at any time.

We may ask you to provide us with information necessary to reasonably verify your identity before responding to your request. We will consider all requests and provide our response within the time period required by applicable law. Please note, however, that certain information may be exempt from such requests. If we deny your request in whole or in part, you may have the right to appeal the decision. In such circumstances, we will provide you with information regarding the appeals process.

Before responding to your request, we may ask you to provide information to verify your identity. We will respond to your request within the time period required by law and consider all requests. However, some information may be exempt from requests. If we deny your request, you may have the right to appeal the decision and we will provide information about the appeals process.

We aim to respond to your request as a consumer within 45 days of receiving it. If we need more time (up to 90 days), we will notify you in writing or by email and explain the reason for the extension.

Privacy Notice for Residents of California

Here are the categories of information we may have collected about you in the past year, along with the reasons for collection and the third parties with whom your personal information may have been shared, disclosed, or sold.

Categories: identifiers, information contained in our customer records, commercial information, internet or other electronic network activity information, professional or employment information, geolocation data, inferences drawn from other personal information.

Purposes for the collection or sharing: to provide, improve, and/or personalize the Sites, for marketing and advertising, for business operations, to identify where you have provided consent, as required by law, to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

Third parties to whom this data was disclosed, shared, or sold: service providers, third party partners, our related entities, other users through the Sites because you made your information public or otherwise accessible, with our customers, where you have given us your consent.

 If you are a California resident, you may have the following rights with respect to the personal information we process about you:

1. To request information about the categories of personal information we have collected about you, the categories of sources from which we collected the personal information, the purposes for collecting or sharing the personal information, the categories of third parties with whom we have shared or sold your personal information, and the specific pieces of personal information we have collected about you.
2. To request that we delete personal information that we have collected from you.
3. To request that we correct inaccurate personal information that we maintain about you.
4. To opt out of the sale or sharing of your personal information.

You, or a legally authorized representative, may submit a verifiable consumer request regarding your personal information. If you are making a request on behalf of a minor child, you may do so as well. To verify your identity, we may request information from you. We may require you to use your email address to verify your identity. Once we receive a request, we will respond within the time period required by law. Some information may be exempt from requests. If we deny your request, you have the right to appeal the decision. You may make a consumer request for access or data portability twice within a 12-month period. We will not discriminate against you for exercising your rights.

We strive to respond to consumer requests within 45 days of receiving them. However, if we need more time (up to 90 days), we will let you know the reason for the delay and the extended timeline through email or written communication. It’s important to note that any disclosures we provide will only pertain to the 12-month period leading up to the consumer request. Additionally, if we cannot fulfill a request, we will provide an explanation as to why we are unable to do so.

Shine the Light law (CA)

If you are a California resident, you may request information under California’s “Shine the Light” law (Civil Code Section § 1798.83) regarding our disclosure of personal information to third parties for their direct marketing purposes. Specifically, you may request (i) a list of the categories of personal information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To make such a request, please write to our Chief Compliance Officer at Horizon Medical Billing. Please note that we may require additional information from you to verify your identity, and we are only required to respond to one request per calendar year.

SITE IS INTENDED FOR ADULTS 18 OR OVER, NOT MINORS

The Sites are not intended for individuals under the age of eighteen. Horizon does not want to obtain any information from or about minors through the Sites. We do not knowingly collect personal information about children under the age of 13, as defined by the U.S. Children’s Privacy Protection Act (COPPA). If you are a parent or guardian and believe that we have collected information from your child in violation of the law, please contact us using the information provided in the “Contact” section below, and we will remove the data in compliance with applicable laws. We do not “sell” the personal information of California residents under the age of 16, as defined under the CCPA.

A INFORMATION WE COLLECT IS GOVERNED BY U.S. LAW REGARDLESS OF WHERE YOU ARE ACCESSING IT FROM

If you access our Sites from outside the U.S., please note that we are governed by U.S. law, and the information we collect may be processed, stored, and used in the U.S. and other locations. The data protection laws in the U.S. and other jurisdictions may differ from those in your country. By using our Sites or providing us with your information, you agree to the transfer, processing, usage, sharing, and storage of your information in the U.S. and other jurisdictions as described in this Policy.

PRIVACY POLICY UPDATES AND REVISIONS

We may update and modify this Policy at our discretion and at any time. Any changes will be posted on www.horizonmso.com, along with the effective date, and will be considered effective as of that date. Your continued use of the Sites after the posting of changes indicates your acceptance of the revised Policy.