Effective Date: 17/11/2001

These Terms and Conditions (“Terms”) govern your access to and use of the website and services provided by Horizon Mutual Capital (“we,” “us,” or “our”). By accessing or using our website and services, you agree to be bound by these Terms.

1. Eligibility

To use our services, you must:

  • Be at least 18 years old

  • Have the legal capacity to enter into binding agreements

  • Comply with all applicable laws and regulations

We reserve the right to refuse service to anyone at our discretion.

2. Services Provided

Horizon Mutual Capital provides investment-related services, including access to investment opportunities, portfolio management tools, and related financial information. All services are subject to these Terms and applicable regulations.

3. Investment Risk Disclosure

All investments involve risk, including the possible loss of capital. Past performance is not a guarantee of future results. You acknowledge and agree that:

  • Investment returns are not guaranteed

  • Market conditions may affect investment performance

  • You are solely responsible for your investment decisions

4. Account Registration

To access certain features, you must create an account. You agree to:

  • Provide accurate and complete information

  • Keep your login credentials secure

  • Notify us immediately of any unauthorized account access

You are responsible for all activities that occur under your account.

5. Fees and Charges

Certain services may be subject to fees, commissions, or management charges. All applicable fees will be disclosed before you commit to any investment.

6. Payments and Withdrawals

  1. Deposits and withdrawals are subject to verification and approval

  2. Withdrawal timelines may vary depending on the investment product

  3. We reserve the right to suspend transactions for compliance or security reasons

7. Prohibited Activities

You agree not to:

  • Use the website for unlawful purposes

  • Provide false or misleading information

  • Attempt to gain unauthorized access to our systems

  • Engage in fraud, money laundering, or abusive activities

Violation of this section may result in account suspension or termination.

8. Intellectual Property

All content on this website, including text, logos, graphics, and software, is the property of Horizon Mutual Capital and is protected by intellectual property laws. Unauthorized use is strictly prohibited.

9. Limitation of Liability

To the fullest extent permitted by law, Horizon Mutual Capital shall not be liable for:

  • Any loss of profits, data, or investment capital

  • Market fluctuations or third-party actions

  • Service interruptions or technical errors

10. Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if you violate these Terms or applicable laws.

11. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which explains how we collect and protect your personal information.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of United Kingdom act, without regard to conflict of law principles.