Terms of Service

1. Acceptance of Terms

By accessing and using Horicon's services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website located at horicon.com (the "Service") operated by Horicon ("us", "we", or "our").

2. Description of Service

Horicon provides financial consulting and advisory services designed to help individuals and businesses optimize their financial structures. Our services include:

Financial account organization and optimization
Service provider selection guidance
Financial structure consulting
Educational resources and training
Custom financial planning solutions

3. User Accounts

3.1 Account Creation

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account.

3.2 Account Security

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

4. Financial Advisory Disclaimer

Important: The information and services provided by Horicon are for educational and consulting purposes only and should not be considered as personalized investment advice, tax advice, or legal advice.

You acknowledge that:

All financial decisions remain your responsibility
Past performance does not guarantee future results
You should consult with qualified professionals before making significant financial decisions
Market conditions and regulations may change, affecting the relevance of our advice

5. Payment Terms

5.1 Subscription Fees

Our services are provided on a subscription basis. By subscribing to our services, you agree to pay the applicable fees as described on our pricing page.

5.2 Billing

Subscription fees are billed in advance on a monthly or annual basis, depending on your chosen plan. Payment is due immediately upon subscription and on each renewal date thereafter.

5.3 Price Changes

We reserve the right to modify our pricing at any time. Any price changes will be communicated to you at least 30 days in advance and will take effect at your next billing cycle.

6. Cancellation and Refunds

6.1 Cancellation

You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation will take effect at the end of your current billing period.

6.2 Refund Policy

We offer a 30-day money-back guarantee for new subscribers. Refund requests must be made within 30 days of your initial subscription. For detailed refund terms, please see our Refund Policy.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Horicon and its licensors. The Service is protected by copyright, trademark, and other laws.

You may not:

Reproduce, distribute, or create derivative works from our content
Use our trademarks or service marks without permission
Reverse engineer or attempt to extract source code from our services
Remove or alter any proprietary notices

8. User Conduct

You agree not to use the Service:

For any unlawful purpose or to solicit others to perform unlawful acts
To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
To infringe upon or violate our intellectual property rights or the intellectual property rights of others
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
To submit false or misleading information
To upload or transmit viruses or any other type of malicious code

9. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

10. Limitation of Liability

In no event shall Horicon, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Our total liability to you for all claims arising from or relating to the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

11. Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

Excludes all representations and warranties relating to this Service and its contents
Does not warrant that the Service will be constantly available, or available at all
Makes no representations or warranties regarding the accuracy or completeness of financial advice

12. Governing Law

These Terms shall be interpreted and governed by the laws of the State of Wisconsin, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms will be resolved in the courts of Wisconsin.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

14. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive termination.