Payment Terms

1. Accepted Payment Methods

Accepted payment methods may include credit or debit card, ACH bank transfer, and bank wire transfer. The methods actually available for a given timepiece are the methods presented in that individual checkout. A method described here is not available for an order unless it appears in that order's checkout.

Horizon Watch does not offer financing at this time. No financing product is advertised, offered, or implied on this website.

2. Clearance Before Shipment

ACH and wire orders do not ship until funds have cleared and payment verification is complete. This protects both parties in high-value transactions and is not a discretionary delay.

Card orders ship after authorization, capture, and any fraud or identity verification we require have completed successfully.

3. Quotes and Expiry

A payment quote issued by Horizon Watch expires 24 hours after issuance unless the individual quote expressly states a different period. After expiry, pricing, availability, and payment instructions must be reconfirmed.

A quote does not reserve a timepiece and does not guarantee continued availability. Pre-owned watches are unique items that may be offered through more than one channel at the same time.

4. Reservation and Title

A timepiece is reserved only after full cleared payment has been received, unless separate written terms are issued for that transaction by Horizon Watch.

Horizon Watch does not take standard deposits at this time. Title passes to the customer once Horizon Watch has received cleared payment in full.

5. Verification and Fraud Prevention

Horizon Watch may require identity verification, payment-source verification, wire confirmation, or additional information before accepting or shipping an order, and may delay, decline, cancel, or refund a transaction where fraud, sanctions, address mismatch, chargeback history, or other payment risk is identified.

6. Wire Instructions

Where wire payment is offered, Horizon Watch's incoming-wire banking details are displayed to you inside your own secure checkout page for the purpose of sending funds. Horizon Watch will never ask you to submit your own bank account or routing numbers through this website, and will never send changed wire instructions by unsolicited email. If you receive banking details that differ from those shown in your checkout page, stop and call us before sending any funds.

7. Taxes and Charges

The customer is responsible for any applicable sales tax, use tax, or other governmental charge associated with the transaction unless Horizon Watch is legally required to collect and remit it.

8. Refund Initiation Timing

The following timings describe when Horizon Watch initiates a refund after a refund has been approved. They do not create, expand, or extend any return or refund eligibility; eligibility is governed solely by the Horizon Watch Return Policy.

• Card refunds are initiated within 3 business days after an approved refund.
• ACH and wire refunds are initiated within 5 business days after verification of the receiving account.
• Refunds are returned only to the original payment source, or to the verified originating account for ACH and wire payments.
• Posting times after initiation are controlled by your bank, card issuer, or the payment processor, and are outside Horizon Watch's control.

9. Contact

Payment questions can be sent to concierge@horizonwatchinc.com.

Independent Reseller Disclosure

Horizon Watch Enterprise Inc. is an independent reseller of pre-owned luxury watches. Horizon Watch is not an authorized dealer, distributor, service center, agent, or affiliate of any watch manufacturer, and no brand affiliation, sponsorship, or endorsement is stated or implied. Brand names and trademarks are used only to identify the products offered and remain the property of their respective owners.