1. Introduction
Welcome to Horizon Advisory. These Terms & Conditions outline the rules and regulations for using our website and services. By accessing horizonadvisory.com, you accept these terms in full. If you do not agree with any part of these terms, please refrain from using our website and services.
2. Definitions
"Company" / "We" / "Us" / "Our" refers to Horizon Advisory, registered in South Africa.
"User" / "You" refers to any individual or entity accessing our website or services.
"Services" refers to the business consulting, financial planning, and retirement advisory services provided by Horizon Advisory.
"Website" refers to horizonadvisory.com and all associated digital content.
3. Use of Our Website
By using our website, you agree to the following conditions:
✔ You must be at least 18 years old or have legal consent to access financial consulting services.
✔ You agree to use our website for lawful purposes only and comply with applicable regulations.
✔ You will not engage in activities that could harm, disrupt, or compromise the website’s functionality.
✔ Unauthorized use of scraping, data mining, or automation tools on our website is strictly prohibited.
We reserve the right to restrict access to certain areas of our website at our discretion.
4. Services Offered
Horizon Advisory provides business consulting, financial planning, and retirement advisory services. The information on this website is for general guidance and should not be considered personal financial, investment, or legal advice.
We strive to provide accurate and up-to-date information, but we do not guarantee that all information is free from errors or omissions. Users should seek professional financial guidance before making significant business or financial decisions.
5. User Responsibilities
As a user of Horizon Advisory, you agree to:
✔ Provide accurate and truthful information when submitting inquiries or signing up for consultations.
✔ Use our services and website in compliance with applicable financial and data protection laws.
✔ Refrain from unauthorized access, hacking, or misuse of our website or digital services.
✔ Understand that financial decisions should be made based on individual analysis and consultation.
We reserve the right to terminate access if a user violates these terms.
6. Intellectual Property Rights
All content on horizonadvisory.com, including text, graphics, logos, and digital resources, is the intellectual property of Horizon Advisory and protected by copyright laws.
Users may:
✔ View and download publicly available content for personal or business reference.
✖ Not copy, modify, distribute, or republish any content without our written consent.
Unauthorized use of our intellectual property may result in legal action.
7. Third-Party Links & External Services
Our website may contain links to third-party websites or services for informational purposes. These links do not imply our endorsement, and we are not responsible for their accuracy, policies, or content.
Users accessing third-party websites should review their terms and policies independently.
8. Limitation of Liability
To the fullest extent permitted by law, Horizon Advisory and its representatives are not liable for:
Any direct, indirect, incidental, or consequential damages arising from the use of our website or services.
Financial losses, business interruptions, or incorrect decisions based on information found on our website.
Errors, technical failures, or unauthorized access that may impact service availability.
Users assume responsibility for how they interpret and use information from our website and advisory services.
9. Indemnification
Users agree to defend, indemnify, and hold Horizon Advisory harmless against any claims, damages, or expenses resulting from:
✔ Misuse of our website or services.
✔ Violation of these Terms & Conditions.
✔ Unauthorized use of intellectual property or confidential data.
This indemnification applies to legal fees, claims, and potential liabilities.
10. Privacy & Data Protection
We collect and process user data in accordance with our Privacy Policy. By using our website, you consent to the collection and use of personal data as outlined in our policy.
For details on data collection, storage, and user rights, please refer to our Privacy Policy.
11. Changes to These Terms
We may update these Terms & Conditions periodically to reflect changes in services, regulations, or policies. Users are encouraged to review this page regularly. Continued use of our website implies acceptance of any revised terms.
12. Governing Law & Jurisdiction
These Terms & Conditions are governed by the laws of South Africa. Any disputes arising from the use of our website or services will be subject to the jurisdiction of the South African courts.
13. Contact Information
For inquiries regarding these Terms & Conditions, you may contact us at:
📍 Address: 243 Marine Parade, North Beach, Durban, 4001, South Africa
📞 Phone: +27 31 337 7865
📧 Email: [email protected]