Terms and Conditions

1. Introduction and Acceptance

Welcome to Horizon Financial Advisors ("Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website located at your-domain.com (the "Website") and any services provided through the Website (collectively, the "Services").

By accessing or using our Website and Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Website or Services.

We reserve the right to modify these Terms at any time. Your continued use of the Services after any changes constitutes acceptance of the modified Terms.

2. Services Description

Horizon Financial Advisors provides financial advisory and consulting services, including but not limited to:

• Investment planning and strategy
• Retirement planning consultation
• Wealth management advice
• Financial education and resources
• Portfolio analysis and recommendations

Important Notice: The information provided on this Website is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.

3. User Obligations and Representations

By using our Services, you represent and warrant that:

• You are at least 18 years of age or the age of majority in your jurisdiction
• You have the legal capacity to enter into binding agreements
• All information you provide is accurate, current, and complete
• You will maintain the security of your account credentials
• You will comply with all applicable laws and regulations
• You will use the Services only for lawful purposes

4. Prohibited Uses

You agree not to use the Website or Services to:

• Violate any applicable local, national, or international law or regulation
• Transmit any harmful, threatening, abusive, defamatory, or obscene material
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Services or servers connected to the Services
• Attempt to gain unauthorized access to any portion of the Website
• Use automated systems or software to extract data from the Website
• Engage in any form of spam, phishing, or similar activities
• Upload viruses, malware, or any other malicious code
• Collect or harvest personal information of other users
• Use the Services for any fraudulent or unlawful purpose

5. Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, video, data compilations, and software, is the property of Horizon Financial Advisors or its content suppliers and is protected by Croatian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only. This license does not include any right to:

• Reproduce, distribute, or publicly display any content
• Modify or create derivative works based on our content
• Use our trademarks, service marks, or logos without written permission
• Remove or alter any copyright or proprietary notices

6. No Financial Advice Disclaimer

IMPORTANT: The content provided on this Website is for informational and educational purposes only. It does not constitute and should not be construed as:

• Professional financial advice or recommendations
• Investment advice or solicitation
• Legal or tax advice
• An offer to buy or sell securities

Past performance is not indicative of future results. All investments involve risk, including potential loss of principal. Before making any financial decisions, you should conduct your own research and consult with licensed financial, legal, and tax professionals.

7. Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

The Website and Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The Services will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Services will be accurate or reliable
• The quality of any products, services, information, or other material obtained will meet your expectations
• Any errors in the Website will be corrected

LIMITATION OF DAMAGES: In no event shall Horizon Financial Advisors, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Unauthorized access, use, or alteration of your transmissions or content
• Financial losses or investment decisions based on information from the Website

Our total liability to you for all claims arising from or relating to the Services shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or €100, whichever is greater.

8. Indemnification

You agree to defend, indemnify, and hold harmless Horizon Financial Advisors and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

9. Third-Party Links and Content

Our Website may contain links to third-party websites or services that are not owned or controlled by Horizon Financial Advisors. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third-party content, goods, or services.

10. Termination

We reserve the right to terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Violation of applicable laws or regulations
• Fraudulent, abusive, or illegal activity
• At our sole discretion for any other reason

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Croatia, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in Croatia. You consent to the personal jurisdiction of such courts and waive any objection as to inconvenient forum.

If you are a consumer resident in the European Union, you may also have the right to bring proceedings in your country of residence.

12. Dispute Resolution

Informal Resolution: In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Services, the parties agree to first attempt to resolve the dispute informally by contacting us at [email protected].

Mediation: If the dispute cannot be resolved informally within thirty (30) days, both parties agree to participate in good faith mediation before pursuing litigation or arbitration.

Arbitration: If mediation is unsuccessful, disputes may be submitted to binding arbitration in accordance with Croatian arbitration law, unless prohibited by applicable consumer protection laws.

Class Action Waiver: To the extent permitted by law, all disputes must be brought on an individual basis and not as a plaintiff or class member in any purported class or representative proceeding.

13. Changes to Services

We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

14. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws. For detailed information about how we handle your personal data, please review our Privacy Policy.

15. Severability and Waiver

Severability: If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions.

Waiver: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Website, constitute the entire agreement between you and Horizon Financial Advisors concerning the Services and supersede all prior or contemporaneous agreements and understandings.

17. Contact Information

If you have any questions, concerns, or complaints regarding these Terms, please contact us: