Commercial Debt Recovery
Assessment of documented business receivables and appropriate options for overdue commercial obligations.
New York · Commercial Financial Services
Financial Clarity.
Recovery Without Borders.
Commercial debt recovery, receivables management and accounting administration for businesses operating in the United States and internationally.
Commercial Debt RecoveryAccounts Receivable ManagementInternational Case Assessment
Horizon Financial Group LLC
Commercial financial matters demand a clear approach.
Unpaid accounts can affect more than cash flow. They can disrupt operations, complicate reporting and require decisions across multiple business relationships. Horizon provides a structured starting point for reviewing commercial receivables and identifying appropriate next steps.
Our services bring together account documentation, financial administration and a cross-border perspective—without treating every overdue balance as the same kind of case.
About Our ApproachProfessional, business-focused financial coordination.
What We Do
Services built around your business.
From reviewing an overdue invoice to organizing recurring receivables, our work begins with the records, relationships and business objectives involved.
International Collections
Review and coordination of cross-border commercial accounts, with jurisdiction-specific considerations.
Receivables Management
Invoice tracking, payment status, aging schedules and organized follow-up procedures.
Accounting Administration
Financial record organization, billing administration and transaction reconciliation support.
Business Process Review
Review of payment workflows, documentation gaps and practical improvements to receivables procedures.
Account Documentation
Preparation and organization of contracts, invoices and supporting commercial correspondence.
International Commercial Matters
Commercial relationships cross borders. Your approach should account for that.
International receivables may involve different contracts, currencies, procedural rules and payment practices. Horizon assesses the commercial background and documents before considering case-appropriate coordination.
International communication policy
International ServicesInternational client correspondence is conducted in writing to maintain a clear record and support controlled document handling.
How It Works
A straightforward four-stage approach.
Initial inquiry
You outline the nature of the receivable or administrative need.
Document review
Relevant agreements, invoices, histories and communications are assessed.
Service proposal
Scope, permitted activities and fees are addressed before engagement.
Organized follow-up
Further work proceeds according to the agreed scope and applicable requirements.
Bring clarity to your outstanding accounts.
Begin with a confidential business inquiry.
Our Services
Commercial Receivables. Financial Administration.
Professional support for companies managing outstanding balances, payment processes and account records.
Integrated Services
Every account deserves an individual assessment.
Horizon focuses on the commercial facts, supporting records and appropriate service scope—not generic promises of immediate collection.
01
Commercial Debt Recovery
Assessment of unpaid business invoices, overdue contractual payments, account histories and prior communications. Where permitted and accepted under a separate engagement, potential steps may include structured written follow-up and payment-resolution coordination.
02
Accounts Receivable Management
Administrative oversight of outstanding accounts, aging schedules, payment reminders, debtor information and reconciliation of amounts due. This service can help create visibility over receivables before they develop into larger problems.
03
Accounting & Bookkeeping Administration
Organization of transactions, invoice records, payment matching, account statements and financial support schedules. This does not represent regulated auditing, tax representation or legal advice.
04
International Commercial Receivables
Assessment of claims involving foreign debtors or cross-border transactions. We consider documentary requirements, governing-law clauses, location of the debtor, communication protocols and potential need for qualified local services.
05
Financial Process Review
Review of billing practices, documentation, follow-up procedures and handoffs across finance and account management. The aim is to identify process gaps and clearer internal procedures.
06
Commercial Case Preparation
Organization of underlying agreements, invoice lists, delivery or performance records, payment histories and correspondence for informed internal or professional review.
Industries We Serve
Commercial debt recovery across diverse industries.
Overdue invoices take different forms across industries. We assess receivables and account-management inquiries from a broad range of businesses and institutions, subject to the nature of the obligation and applicable authorization requirements.
BUSINESS & INSTITUTIONAL SECTORS
- Accounting & Consulting Firms
- Advertising & Creative Agencies
- B2B Subscription & SaaS Providers
- Cleaning & Facility Services
- Commercial Contractors
- Corporate Training & Membership Services
- Electrical, Plumbing & HVAC Contractors
- Equipment Rental Companies
- Freight, Transportation & Logistics
- HR & Staffing Agencies
- Industrial Suppliers & Manufacturers
- Insurance & Professional Services
- IT & Managed Service Providers
- Landscaping & Restoration Companies
- Law Firms & Legal Service Providers
- Marketing Agencies
- Medical Equipment Suppliers (B2B)
- Property Management Companies
- Roofing & Remodeling Contractors
- Security Companies
- Universities & Educational Institutions
- Warehousing & Wholesale Distributors
Don't see your industry listed? Contact us to discuss the nature of your account. University tuition, medical patient balances, individual loans and other consumer obligations are subject to separate regulatory review; inclusion of an industry does not mean every account type can be accepted.
Specialist Industry Focus
Debt Recovery for Universities & Educational Institutions
Universities, colleges and other educational institutions often manage a mix of tuition balances, accommodation charges, program fees and other contractual sums. These accounts can be sensitive, heavily documented and administratively demanding, particularly where the institution must balance financial recovery with accurate records, student communications and internal finance procedures.
Horizon provides a structured review of educational receivables, beginning with the underlying contract position, the account history and the supporting records. We assess who is contractually responsible, what amounts remain outstanding, whether adjustments or credits affect the balance and what documented communications have already taken place before recommending an appropriate next step.
Where account matters involve students, parents, guarantors, sponsors or international payment arrangements, the review must be careful, organized and evidence-led. The aim is not generic pressure tactics, but a professional assessment of the receivable and a practical pathway for follow-up, reconciliation or escalation.
Enquire About Educational AccountsInstitutional account considerations
- Tuition and educational fees: review of enrolment terms, invoices, scholarship adjustments, credits and outstanding balances.
- Accommodation and campus-related charges: reconciliation of housing, residence, meal-plan or ancillary amounts supported by institutional records.
- Parent, guarantor or sponsor liability: identification of the responsible party and the documentation supporting the obligation.
- Payment plans and account histories: examination of agreed instalments, prior collections activity and internal finance notes where relevant.
- Documented communications: organized written follow-up suited to the institution, the account history and the nature of the relationship.
- Progress visibility: clear account reporting, status updates and practical recommendations on next steps.
Why educational institutions value a specialist review
- Sensitive account handling: education-related balances often involve reputation, student relationships and more complex factual backgrounds than ordinary B2B invoices.
- Accurate reconciliation first: balances should be tested against billing records, adjustments, payments, credits and correspondence before any further action is considered.
- Domestic and international matters: institutions may face cross-border payers, multiple currencies or overseas guarantors that call for more structured coordination.
- Measured escalation: where a matter cannot be resolved through clarification or repayment discussions, the file can be assessed for the most appropriate onward route.
Specialized Recovery Support
Additional recovery capabilities.
Beyond ordinary invoice follow-up, difficult accounts may call for further research, commercial investigation, structured settlement efforts or consideration of legal proceedings. The appropriate measures depend on the case and applicable authorization.
Skip Tracing
Locating a debtor can be difficult when a company has relocated, changed ownership, stopped responding or ceased its operations. Skip tracing involves researching and verifying available addresses, business affiliations, contact information and other details that may help locate the responsible party.
Depending on the case, research may involve corporate filings, business registrations, lawful public records and appropriately accessible information services. The aim is to re-establish contact, clarify relevant parties and assess whether continued recovery efforts are commercially justified.
Asset Investigation
Before substantial expenditure on recovery or litigation, it may be prudent to examine whether the debtor has identifiable resources or potentially recoverable assets. An initial assessment can consider ownership structures, business registrations, recorded liens, public property records, insolvency filings and other lawfully accessible material.
This information can help evaluate financial circumstances, enforcement obstacles and the costs and likely usefulness of further action. Restricted-data access or regulated investigation must be handled by appropriately authorized professionals.
Mediation & Negotiated Resolution
Litigation is not always the first or most cost-effective response to an unpaid commercial account. A constructive negotiation may enable the parties to consider repayment arrangements, negotiated settlement terms or a realistic resolution to a disputed balance.
The process should account for the underlying agreement, the debtor's objections and the parties' ongoing business interests. Where formal neutral mediation is suitable, it must be conducted through an appropriately qualified independent mediator.
Litigation & Legal Recovery Coordination
If amicable efforts fail, a creditor may need to evaluate legal action. That assessment should consider contractual evidence, relevant limitation periods, court jurisdiction, the amount at stake, expected legal costs and the debtor's capacity to satisfy a judgment.
Where appropriate, Horizon may assist with organizing the case file and coordinating a referral to independent qualified counsel. Court proceedings, judgment recognition and enforcement measures are undertaken only by properly authorized legal professionals, under separately agreed instructions and costs.
Before an Engagement
Documents first. A clear scope before action.
Commercial account work should begin with the documents establishing the obligation and the relevant payment record. We recommend assembling the contract or purchase order, invoices, statements, supporting evidence and any objection received from the other party.
Fees and the proposed scope of services should be documented in writing before an account is accepted.
Prepare an InquiryInternational Commercial Recovery
Receivables Across Borders.
Cross-border commercial cases require more than translated reminders. They call for careful documentation, jurisdictional assessment and disciplined written communication.
International Services
When your customer is overseas, the details matter.
International receivables can arise from goods supplied abroad, services delivered across jurisdictions, international contracts or transactions denominated in a foreign currency.
The first challenge is often understanding the claim itself: which contract governs, where the debtor operates, what has been delivered or disputed, which time limits may apply, and whether the proposed recovery activity can lawfully be undertaken in the relevant country.
Horizon accepts inquiries for preliminary commercial assessment and considers further services only after reviewing the circumstances and relevant legal requirements.
International case assessmentOne commercial claim.
One commercial claim.
Potentially several legal systems.
Documentation, jurisdiction, currency and communication are central to the case review.
International Debt Collections
Commercial Recovery Across Borders
Cross-border business creates opportunity. When an overseas customer fails to pay, however, recovering the account can involve unfamiliar procedures, currencies, documentary standards and legal systems.
Understanding the claim before taking action
International debt recovery is not simply a domestic reminder sent to another country. Relevant questions include the contracting parties, governing law, agreed payment terms, debtor location, any jurisdiction or arbitration clause, the date the obligation arose and the status of the underlying goods or services.
For smaller businesses in particular, the time and expense of navigating a foreign system can make overdue accounts difficult to resolve. Overlooking local requirements, limitation periods or a genuine contractual dispute can undermine an otherwise valid claim.
Horizon’s approach begins with a structured review of invoices, contracts, payment history and correspondence, followed by consideration of legally appropriate recovery pathways. A formal engagement and any necessary local professional assistance are assessed case by case.
Potential recovery routes
01 — Amicable collection
Written payment requests, verification of disputed balances, and negotiated settlement or installment arrangements where legally appropriate.
02 — Disputed commercial accounts
Review of performance evidence, contract terms and objections before determining whether independent local legal advice is needed.
03 — International case coordination
Organized account chronology, currency reconciliation, written client updates and coordination with qualified professionals where available.
04 — Judgments and payment orders
Consideration of whether an existing or proposed judgment can be recognized or enforced abroad, with court procedures undertaken by authorized counsel.
International client communication is conducted in writing. Horizon uses written correspondence for international cases to maintain a reliable record of instructions, balances, settlement proposals and account documentation. U.S.-based clients may arrange telephone or video consultations.
Scope of Assessment
What we evaluate in a cross-border matter.
Country & Jurisdiction
The location of the parties and relevant contract or forum provisions.
Contracts & Invoices
Underlying documents, obligations, payment terms and evidence of performance.
Disputes & Deadlines
Known objections, applicable time-sensitive issues and other legal considerations.
Currencies & Payment Records
Invoice currency, partial payments, outstanding balances and reconciliation.
Written Communications
Consistent written client correspondence and secure exchange of records.
Local Professional Requirements
Whether local authorization or specialist professional assistance is needed.
Client Communications
International correspondence is conducted in writing.
For international client matters, Horizon maintains written correspondence as its business communication policy. This supports accurate case records, traceability and controlled handling of financial documentation. It is a company policy, not a claim that every jurisdiction legally prohibits telephone or video calls.
U.S.-based clients may request telephone or video consultations by appointment.
International inquiry checklist
- Country of the debtor and creditor
- Business name and nature of the transaction
- Amount, invoice currency and due date
- Contract and payment history
- Summary of any dispute or prior collection activity
About Horizon Financial Group
A Professional Approach to Business Finance.
Based in New York, Horizon focuses on commercial account matters, receivables processes and financial administration with an international business perspective.
Our Perspective
Clarity in the numbers. Discipline in the process.
We are a team of experienced commercial recovery professionals, negotiators and account managers handling business receivables and related account matters with a structured, documentation-led approach.
Based in New York, Horizon focuses on practical account assessment, receivables administration and professional follow-up across domestic and international business relationships. Our emphasis is on clear records, measured communication and realistic next steps rather than pressure tactics or exaggerated promises.
Many matters can be advanced through account clarification, organized written correspondence and negotiated repayment discussions before more formal escalation needs to be considered. Below, we explain the principles behind our work and the standards we aim to apply on every file.
Our Core Values
Principles that guide our work.
Responsible financial recovery combines professional judgment, careful documentation and an understanding of each client's commercial objectives.
Integrity
Integrity is fundamental to our work. We emphasize transparent communication, ethical collection practices and accurate account documentation while pursuing clients' legitimate financial interests and maintaining professional standards.
Innovation
Financial processes evolve. Modern research tools, financial analysis and well-organized information can strengthen account visibility, improve documentation and streamline follow-up. We assess methods against the requirements of each matter.
Client Focus
Every organization has different customers, contracts, financial pressures and priorities. We seek to understand each client's circumstances and establish a clear scope of work, communication arrangements and practical objectives before proceeding.
Excellence
We value accuracy, consistency and disciplined execution. From initial account assessment to receivables administration, our focus is on thorough records, responsive communication and meaningful progress, without unrealistic guarantees.
Why Businesses Work With Horizon
Professional account support built around clarity and control.
- Structured review of account records, invoices, contracts and payment histories before action is recommended.
- Professional written communications designed to keep a clear audit trail and support disciplined follow-up.
- Clear progress reporting and account visibility for clients managing multiple matters or internal finance workflows.
- Respectful handling of disputed, sensitive or relationship-driven accounts where tone and accuracy matter.
- Practical account reconciliation to separate genuine balances from credits, adjustments or documentation gaps.
- Domestic and international perspective for accounts involving cross-border business relationships or multi-jurisdiction elements.
Working Standards
A measured approach to recovery.
- Focused on commercial realities, not one-size-fits-all promises about outcome or timing.
- Escalation planning that considers the account facts, the documentation and the most appropriate onward route.
- Support for repayment discussions and negotiated resolution where that is the most sensible commercial path.
- Coordination-minded service designed to work alongside finance teams, leadership or qualified external professionals when required.
- Attention to documentation quality, consistency and responsiveness across the life of a matter.
- Commitment to a professional client experience grounded in accountability, organization and clear communication.
Request Experienced Support for Your Account Matters
If you need a structured review of outstanding accounts, Horizon can assess the documentation, explain the practical options and outline an appropriate next step for your business.
Request a Confidential ConsultationFrequently Asked Questions
Questions about our services?
Practical information for businesses considering receivables, international recovery or accounting administration.
Commercial Debt Recovery
What types of accounts can Horizon Financial Group LLC collect?
Horizon focuses on unpaid business invoices and documented commercial obligations, including accounts involving contractors, property management businesses, service providers, suppliers and other B2B relationships. Inquiries concerning university and educational institution balances, medical receivables, property-related debts or other specialized accounts can be submitted for preliminary assessment. Consumer obligations—including many unpaid tuition and patient bills—may be subject to additional debt-collection laws and licensing requirements; no account is accepted until its classification and the required authorizations have been reviewed.
What is commercial debt recovery?
Commercial debt recovery concerns outstanding payment obligations arising from business transactions, such as unpaid invoices or contractual balances. Appropriate steps depend on the claim, documentation and law.
When should an overdue invoice be reviewed?
A review is sensible when agreed payment terms have expired, routine reminders have been unsuccessful or the business relationship has become disputed. Early organization of the records helps establish the next steps.
Which types of accounts can be submitted?
Potential matters include unpaid B2B invoices, service fees, supplier accounts and other documented commercial obligations. Horizon assesses each inquiry before determining whether it falls within the services that may lawfully be offered.
Can a disputed debt be assessed?
Yes. A disputed account requires review of the agreement, invoices, evidence of delivery or performance and the debtor’s stated objections. Submission does not mean the claim has been legally established.
Is repayment guaranteed?
No. Payment depends on enforceability, documentary evidence, the debtor’s circumstances, jurisdiction and the availability of lawful options.
Can multiple invoices be reviewed together?
Yes. A creditor may provide a consolidated schedule of invoices with dates, amounts, due dates and payment status. The appropriate treatment depends on the individual accounts.
International Collections
How must international clients communicate with Horizon?
International client inquiries and subsequent case correspondence are handled in writing, by email or another approved written channel. This is Horizon’s communication policy to preserve an accurate case record and support appropriate handling of information across borders. U.S.-based clients may arrange telephone or video consultations by appointment; material instructions and agreements may still require written confirmation.
Can Horizon assess an account outside the United States?
International commercial inquiries may be submitted for review. Whether Horizon can accept a matter or coordinate further action depends on local requirements, the facts and any necessary authorized providers.
Why do international debts require separate assessment?
Cross-border accounts can involve different governing laws, limitation periods, languages, currencies, court procedures and enforcement regimes. A U.S. procedure cannot simply be assumed to apply overseas.
Can a foreign-currency invoice be submitted?
Yes. Please provide the original currency, invoice amount, due date and payment history. Conversion and payment arrangements would be assessed against the contractual terms and applicable rules.
Must I obtain a judgment before contacting Horizon?
Not necessarily. Some matters can be assessed before court action. An existing judgment may introduce separate recognition and enforcement issues in a foreign country.
Does Horizon have offices or collection licenses worldwide?
No such claim is made. The location of a debtor does not establish Horizon’s authority to perform regulated activities there. Each matter needs appropriate jurisdictional review.
Accounting & Receivables
What is accounts receivable management?
It is the administration of amounts due from customers, including invoice tracking, aging schedules, follow-up records and payment reconciliation.
How is accounting administration different from debt recovery?
Accounting administration concerns organized financial records and billing processes. Debt recovery concerns addressing an overdue claim. They are different activities even when the same documents are relevant.
Can Horizon assist with payment reconciliation?
An engagement may involve reviewing invoices, statements and payment schedules to identify unmatched entries and create clearer account records, subject to the agreed service scope.
Does Horizon prepare tax returns or provide legal advice?
The website does not offer regulated legal representation, audit opinions or tax services. Any such work would require an appropriate separate engagement with qualified authorized professionals.
Fees & Procedure
How does an inquiry begin?
Send a brief description of the creditor, debtor location, nature of the debt and supporting records available. Horizon can then advise whether further assessment is appropriate.
Which documents should be prepared?
Contracts, purchase orders, invoices, delivery or completion evidence, account statements, payment history and relevant communications are useful. Sensitive documents should not be sent through an unsecured form.
How much does the service cost?
No universal fee is represented on this website. Any fees, expenses and service scope must be confirmed in writing before an engagement.
How long does a recovery matter take?
Timeframes vary considerably with debtor cooperation, documentary complexity, disputes and the governing jurisdiction. An inquiry does not establish a fixed result or deadline.
What happens if the debtor declines to pay?
The available options should be reassessed against the evidence, anticipated costs and governing law. Litigation or formal enforcement is not automatic.
General & Contact
Where is Horizon Financial Group LLC located?
The published New York addresses are 666 Third Avenue, New York, NY 10017, and 1 MetroTech Center, Brooklyn, NY 11201. Visits or meetings should be arranged in advance.
What are the business hours?
Monday through Friday, 8:00 AM to 5:00 PM Eastern Time. Saturday and Sunday are closed.
Can U.S. clients arrange a phone or video consultation?
Yes. U.S.-based clients may request a telephone or video appointment, subject to availability and the nature of the matter.
I received a collection notice. How should I respond?
Read the notice carefully, identify the creditor and reference number, and use the stated contact channel to request information or raise a dispute. Do not ignore a court deadline. Rights depend on applicable law and the nature of the debt.
How are fees determined?
Pricing depends on the account type, amount outstanding, age of the receivable, supporting documents, work required and the jurisdictions involved. Horizon provides a proposed scope and fee arrangement before accepting an engagement. No general recovery fee or collection percentage is guaranteed.
Does Horizon review unpaid university tuition and educational institution accounts?
Horizon accepts preliminary inquiries from universities, colleges, independent schools and other educational institutions concerning tuition, accommodation fees, contractual institutional charges and other documented receivables. Each account requires review of the enrollment or service agreement, liable party, adjustments, communications and applicable law. Where an obligation is a consumer debt owed by a student or parent, collection services are subject to separate licensing and regulatory assessment before any engagement is accepted.
Contact Horizon
Start With a Business Inquiry.
Our New York contact points serve U.S. and international business inquiries. Please use the communication channel appropriate to your matter.
Why Businesses Contact Horizon
Professional attention for important financial matters.
When an account remains unpaid, clients need careful documentation, responsive communication and a realistic understanding of the next steps. Horizon offers an organized starting point for discussing domestic and international receivables.
Submit a Business InquiryManhattan
666 Third Avenue
New York, NY 10017
United States
Brooklyn
1 MetroTech Center
Brooklyn, NY 11201
United States
Business hours
Monday–Friday · 8:00 AM–5:00 PM Eastern Time
Saturday & Sunday · Closed
Communication arrangements
U.S. clients: Telephone and video consultations may be arranged by appointment.
International clients: Correspondence is maintained in writing under Horizon’s communication policy for case documentation and controlled handling of information.
Submit your inquiry
Provide an initial summary. Please do not include Social Security numbers, complete bank credentials or sensitive attachments through an ordinary form.
Website Legal Information
Terms of Service
Information for website visitors.
Last updated: August 2026.
1. Introduction and Acceptance
These Terms of Service (“Terms”) govern your access to and use of the website of Horizon Financial Group LLC (“Horizon,” “we,” “our,” or “us”). By using the website, you agree to comply with these Terms and applicable law. If you disagree, do not use the website.
2. About Our Services
This website provides general information concerning commercial debt recovery, accounts receivable management, accounting administration, and assessment of international commercial receivables. Actual service availability depends on applicable requirements, authorization, case assessment and a separate written engagement.
3. No Engagement Created
Use of this website, an email inquiry, or submission of information does not create an engagement, attorney-client relationship or other professional advisory relationship. Horizon is not obligated to accept any matter. Any accepted assignment is governed by separate terms agreed in writing.
4. Debt Recovery
Recovery of outstanding debts is never guaranteed. Outcomes depend on the evidence, enforceability, jurisdiction, debtor circumstances and lawful available options. Horizon may reject assignments where legal, regulatory or documentation requirements have not been met.
5. International Matters
Cross-border receivables may involve local laws, regulatory rules, limitation periods, foreign currencies and enforcement procedures. This website does not represent that Horizon is licensed or able to undertake collection activities in every jurisdiction. International services are assessed case by case.
6. No Professional Advice
Website content is general information and does not constitute legal, tax, investment or audit advice. Any activity requiring licensed professional services must be performed by appropriately qualified and authorized professionals under suitable separate arrangements.
7. Information Submitted
You are responsible for ensuring that you have authority to share information submitted to Horizon and that your submissions are accurate. Do not provide Social Security numbers, bank credentials or sensitive identification documents using our contact methods. Horizon handles personal information as described in its Privacy Policy.
8. Acceptable Use
You may not interfere with this website, attempt unauthorized access, transmit malware, provide fraudulent content or use the site for unlawful activities.
9. Intellectual Property
Original website text, logos, graphics and other protected materials are owned by Horizon or used under authorization. Nothing in these Terms grants permission for unauthorized commercial copying or redistribution, except where law permits.
10. External Links
Third-party websites linked from this site are operated independently. Horizon does not control or endorse their policies or content merely by linking to them.
11. Accuracy and Availability
We may revise site materials and cannot promise uninterrupted availability or that all information will be free from error. Mandatory consumer and other statutory rights remain unaffected.
12. Liability
To the extent permitted by applicable law, Horizon is not responsible for losses caused solely by reliance on general website information or temporary website interruption. Nothing here excludes liability where exclusion is prohibited by law. Liability arising under an accepted service engagement is governed by its applicable contract and mandatory law.
13. Governing Law
Subject to mandatory applicable law, these website Terms are governed by the laws of the State of New York. Disputes must be brought before a court that has lawful subject-matter and personal jurisdiction; this provision does not override mandatory venue or other non-waivable protections.
14. Updates
The Terms may be revised as website functionality, operations or legal requirements change. The effective date appears above. Changes do not retroactively amend separately agreed client contracts.
15. Contact
Horizon Financial Group LLC, 1 MetroTech Center, Brooklyn, NY 11201, United States. Email: contact@horizon-financialgroup.com. Business hours: Monday–Friday, 8:00 AM–5:00 PM Eastern Time.
Website Legal Information
Privacy Policy
Information for website visitors.
Last updated: August 2026.
1. Who We Are
Horizon Financial Group LLC (“Horizon,” “we,” “our,” or “us”) is the business identified in this notice. Our correspondence address is 1 MetroTech Center, Brooklyn, NY 11201, United States. Privacy inquiries may be sent to contact@horizon-financialgroup.com.
2. Scope
This notice describes the types of information that may be processed through this website and in connection with business inquiries or accepted engagements. This notice covers inquiries made using the contact methods available on this website and information exchanged in subsequent business correspondence.
3. Information Categories
Depending on interactions, information may include contact details, business identity, messages, submitted invoice or account details, engagement documentation, and technical information that hosting infrastructure may process, such as browser information and IP addresses. Please do not send highly sensitive records through ordinary contact channels.
4. Why Information Is Used
Information may be used to respond to inquiries, evaluate service requests, manage accepted engagements, maintain appropriate business records, communicate, investigate misuse, support security, and comply with applicable law. Additional purposes must be communicated when required.
5. Information from Clients
Where a commercial engagement is accepted, Horizon may receive supporting business records including invoices, account histories, contracts and related correspondence. The client must have lawful authority to disclose relevant records. Data handling responsibilities should be established in the engagement documentation where required.
6. Sharing and Service Providers
Where applicable and lawfully permitted, information may be shared with providers supporting hosting and communications, appropriately qualified accounting or legal advisers, authorized professionals assisting with a matter, and authorities when legally required. Only information reasonably necessary for the relevant purpose should be shared.
7. International Data Transfers
Cross-border matters may entail international handling of data. Any transfers must be assessed against applicable laws, including transfer safeguards where GDPR or other international privacy rules apply. International service positioning alone does not authorize data transfers.
8. Cookies and Analytics
The website does not currently include an intentionally installed advertising pixel or third-party analytics tracker. The hosting provider may process essential technical information needed to deliver and protect the website. If optional tracking tools are introduced, this notice will be updated and consent requested where required.
9. Security
We take reasonable steps to protect business correspondence and limit access to information to those who need it for legitimate business purposes. However, ordinary email is not guaranteed to be secure. Please do not send banking credentials, government identifiers or sensitive financial documents through website inquiries.
10. Retention
Inquiries and related correspondence are retained for as long as reasonably necessary to respond and manage the matter, resolve disputes, meet recordkeeping obligations, or comply with applicable law. The appropriate period depends on the type of correspondence and any governing legal requirements.
11. Privacy Rights
Individuals may have rights of access, correction, deletion, restriction, objection, portability or other rights under laws applicable to their data and circumstances. Requests are reviewed subject to identity verification and lawful exceptions, including applicable record-retention requirements.
12. Marketing Messages
Any future marketing communications must use lawful notice, consent and opt-out processes as applicable. Sending an inquiry does not itself authorize promotional text messages.
13. Children
This business website is intended for professional and business audiences and is not directed to children. If we learn that information has been submitted by a child inappropriately, please contact us so it can be reviewed.
14. Third-Party Sites
Links to independent third-party websites are governed by their own privacy policies. Horizon does not control those sites.
15. Changes
We may revise this notice to reflect operations, technologies and legal obligations. The revision date will be displayed on this page; additional notice will be provided where required.
16. Contact
Horizon Financial Group LLC, 1 MetroTech Center, Brooklyn, NY 11201, United States; contact@horizon-financialgroup.com. Monday–Friday, 8:00 AM–5:00 PM Eastern Time.