These terms and conditions (the “Terms of Use”) govern the use of www.horizonsadvisory.net (the “Site”). This Site is owned and operated by Horizons Advisory Limited. This Site is a business and ecommerce website.

By using this Site, you indicate that you have read and understand these Terms of Use and agree to abide by them at all times.

Intellectual Property
All content published and made available on our Site is the property of Horizons Advisory Limited and the Site’s creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.

Age Restrictions
The minimum age to use our Site is 18 years old. By using this Site, users agree that they are over 18 years old. We do not assume any legal responsibility for false statements about age.

Accounts
When you create an account on our Site, you agree to the following:

1. You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and

2. All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.
    

We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms of Use.

Sale of Digital Downloads and Services
These Terms of Use govern the sales of digital content and services available on our Site.

The following digital content is available on our Site:

• Template forms, such as appraisal forms or health and safety assessments.

• Template documents, such as job offer letters and contracts of employment.
   

The following services are available on our Site:

• Individual appointments.

• Classes, both individual and group.

• Courses, both individual and group.

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The digital content and services will be paid for in full when the services are ordered.

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These Terms of Use apply to all digital content and services that are displayed on our Site at the time you access it. This includes all products listed as being out of stock. All information, descriptions, or images that we provide about our digital content and service are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all digital downloads and services we provide. You agree to purchase digital content and services from our Site at your own risk.

We reserve the right to modify, reject or cancel your order whenever it becomes necessary. If we cancel your order and have already processed your payment, we will give you a refund equal to the amount you paid. You agree that it is your responsibility to monitor your payment instrument to verify receipt of any refund.

Payments
We accept the following payment methods on our Site:

• Debit Cards

• Credit Cards

• Pay Wallets, specifically Apple Pay.

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When you provide us with your payment information, you authorise our use of and access to the payment instrument you have chosen to use. By providing us with your payment information, you authorise us to charge the amount due to this payment instrument.

If we believe your payment has violated any law or these Terms of Use, we reserve the right to cancel or reserve your transaction.

Right to Cancel and Receive Reimbursement
If you are a customer living in the United Kingdom or the European Union you have a right to cancel your contract to purchase digital content from us within 14 days without giving notice. This is subject to the user not accessing the supply of digital content within 14 days of purchase.
 

If you are a customer living in the United Kingdom or the European Union you have a right to cancel your contract to purchase services from us within 14 days without giving notice. The cancellation period:

• Will end 14 days from the date of purchase when you purchased a service.
   

To exercise your right to cancel you must inform us of your decision to cancel within the cancellation period. To cancel, log in to your online account or contact us by email at info@horizonsadvisory.net or post at 49 Station Road, Polegate, BN26 6EA. You may use a copy of the Cancellation Form, found at the end of these Terms of Use, but you are not required to do so.

Effects of Cancellation
If you requested the performance of services begin during the cancellation period, you are required to pay us an amount which is in proportion to what has been performed until you have communicated to us your decision to cancel this contract. We will reimburse to you any amount you have paid above this proportionate amount.

If you provide express consent to the supply of digital content during the cancellation period and acknowledge that your right to the contract is lost by the supply of digital content during the cancellation period, you will no longer have a right to cancel the contract.

We will make the reimbursement using the same form of payment as you used for the initial purchase unless both parties have expressly agreed otherwise. You will not incur any fees because of the reimbursement.

If you request cancellation of the supply of digital content or services after the 14 day cancellation period, no refund is applicable.

Consumer Protection Law
Where the Consumer Rights Act 2015, or any other consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms of Use will not limit your legal rights and remedies under that legislation. These Terms of Use will be read subject to the mandatory provisions of that legislation. If there is a conflict between these Terms of Use and that legislation, the mandatory provisions of the legislation will apply.

Limitation of Liability
Horizons Advisory Limited and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.

Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Horizons Advisory Limited and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms of Use.

Applicable Law
These Terms of Use are governed by the laws of the Country of England and Wales.

Severability
If at any time any of the provisions set forth in these Terms of Use are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms of Use. All other provisions will not be affected by the removal and the rest of these Terms of Use will still be considered valid.

Changes
These Terms of Use may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms of Use or post a notice on our Site.

Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:

Email: info@horizonsadvisory.net

Post: 49 Station Road, Polegate, BN26 6EA

You can also contact us through the feedback form available on our Site.

Effective Date: 14th day of March 2023.

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