Terms of Service

The short version

Horizon helps you plan. It gives guidance and estimates, not financial advice, and every decision is yours. Your plan lives on your device by default, so keep a backup. Pro renews until you cancel, and you keep it until the end of the period you paid for. The full terms below are what apply.

1. Who we are

Horizon is operated by The Good Chic LLC, a company registered in the Sharjah Media City (Shams) free zone, Sharjah, United Arab Emirates (“we”, “us”). These terms are an agreement between you and us. By creating an account or using Horizon, you accept them. If you do not accept them, please do not use Horizon.

2. Guidance, not financial advice

Horizon is an educational planning tool. It is not financial, investment, tax, legal or pension advice, and it does not recommend any specific product or security. Suggestions are based on generic risk profiles and on the information you enter, not on a full review of your circumstances. We are not a registered investment adviser, broker or bank, and using Horizon does not create an advisory relationship.

Projections, Chance of Success, Shock Resilience, market simulations and historical replays are estimates built on assumptions you can review on the Methodology page. Past market performance does not predict future results, and real outcomes can be very different. Consider speaking to a qualified professional before making a financial decision. You are responsible for your decisions.

3. Your account

You must be at least 16 and able to enter a binding contract in your country. Give us a valid email address, and keep access to it and to your device secure. You are responsible for what happens under your account.

4. Your data

Your data is yours. The Privacy Policy explains what we collect and how we use it. Horizon is local-first: by default your plan is stored on your device. If you clear your browser or app storage, or lose the device, that data can be lost and we may not be able to recover it. Keep your own backups using the export in Settings. Optional cloud sync stores a copy of your plan on our servers so you can use it across devices.

The results depend on what you enter. You are responsible for checking that your information is accurate.

5. Free and Pro plans

Horizon has a free plan and a paid Pro subscription. The price, billing period and any taxes are shown before you pay. Payments are handled by Stripe, and we do not store your card details.

Pro renews automatically at the end of each monthly or yearly period, at the then-current price, until you cancel. You can cancel at any time in Settings. You keep Pro until the end of the period you paid for, and then your account moves to the free plan. Your plan stays on your device.

Except where the law requires otherwise, payments are not refundable and we do not refund part-used periods. If you think you were charged in error, contact us. We will tell you before a price change affects your subscription, so you can cancel first.

6. Hector and AI features

Hector, the AI guide, generates answers automatically using a third-party AI provider, as described in the Privacy Policy. Answers can be incomplete or wrong. Check them against your plan before relying on them. Section 2 applies to everything Hector says.

7. Market data and other services

Exchange rates, market history and other data come from third parties and may be delayed, incomplete or inaccurate. Horizon also relies on outside services, such as hosting and payment providers. We are not responsible for those services.

8. Acceptable use

Do not use Horizon to break the law or to harm others. Do not try to get around plan limits or security, overload the service, scrape it, or copy or resell it. Do not reverse engineer it, except where the law allows you to.

If you use Horizon with your own clients, you remain responsible for your professional duties, your regulatory obligations, the advice you give and your clients' data.

9. Our rights in Horizon

Horizon, including its software, design and name, belongs to us. We give you a personal, non-transferable right to use it under these terms. If you send us feedback, we may use it without owing you anything.

10. Changes to Horizon

We improve Horizon all the time, so features may change or be removed, and the service may sometimes be unavailable. Calculations and assumptions can also change, so a result may differ from an earlier one.

11. Disclaimer

Horizon is provided “as is” and “as available”. To the extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy and uninterrupted operation.

12. Limit of our liability

To the extent the law allows, we are not liable for indirect or consequential losses, or for investment losses, lost profits, lost data or decisions you make using Horizon. Our total liability for any claim is limited to the greater of what you paid us in the 12 months before the claim and US$100.

Nothing in these terms limits liability that cannot be limited by law, or removes rights you have under the mandatory consumer laws of the country where you live.

13. Ending your use

You can stop using Horizon at any time. To delete your account, contact us. We may suspend or close an account that breaks these terms or puts the service or other users at risk.

14. Changes to these terms

We may update these terms. If a change is significant, we will tell you by email or in the app before it applies. If you keep using Horizon after that, the new terms apply. If you do not agree, you can stop using Horizon and cancel your subscription.

15. Governing law

These terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Sharjah, and disputes go to the courts of Sharjah. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may be able to bring a claim there.

Contact

Questions about these terms: support@horizonfi.ai