Welcome to the Horizon Group Website

Terms and Conditions of Use of Horizon Group Web Site
 
This website is owned and maintained by Horizon Management Services Limited, Horizon Trustees (Jersey) Limited, Horizon Investments (Jersey) Limited and Horizon Fund Management Limited. The use of this website is subject to the following terms and conditions, which you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website. Please note that the following terms and conditions include certain exclusions of liability.
 
Horizon Group
Horizon Group is a trading name of Horizon Trustees (Jersey) Limited, Horizon Investments (Jersey) Limited and Horizon Fund Management Limited. References herein and in any other material issued by these trading companies to Horizon Group and to Horizon are references to each of these trading companies as appropriate and shall include their successors and assigns as appropriate. References in these terms and conditions to Horizon and to Horizon Group shall, as appropriate, be to any one or more of Horizon Management Services Limited, Horizon Trustees (Jersey) Limited, Horizon Investments (Jersey) Limited and Horizon Fund Management Limited.
 
Use of website
Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms.
 
We accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
 
The information provided on this website or in any communication containing a link to this site is for personal use and informational purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of Horizon Group to any registration requirement within such jurisdiction or country. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.
 
Where any opinions are expressed on this website, they are provided for personal use and for informational purposes only and are not to be reproduced without our written permission.
 
Whilst we make every effort to ensure that the information, including information based on statutes or other legislative or regulatory instruments, given in this website is accurate and up to date, it is not possible to guarantee that this is the case and so we shall not be liable in any way for any loss or damage (whether direct, indirect, special, consequential or otherwise) arising out of the use of or access to this website, which includes, without limitation, any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings), loss of goodwill or reputation, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.
 
We shall not be liable for the acts or omissions of our or your Internet Service Providers.
 
No warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability.
 
We exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials are accurate or complete or available for use in any foreign jurisdiction.
 
Levels and bases of tax referred to in this website are those applying under legislation in force at the time of writing the relevant article. These levels and bases may change, and the availability and value of any tax relief will depend on your individual circumstances. In providing this information we are not acting as tax advisers and we strongly recommend that you seek independent professional advice in appropriate circumstances. We shall not be liable for any loss resulting from reliance upon this information.
 
The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way. You should always obtain advice from a qualified expert before making any investment decision.
 
Communication with Horizon
Telephone calls to Horizon may be recorded.
 
Please do not e-mail any account or other confidential information.
 
Electronic communications (internet e-mails) cannot be guaranteed to be secure or error free as information could be intercepted, destroyed, corrupted, lost, arrive late, contain viruses or otherwise. Horizon does not accept any responsibility or liability for any matter which might arise as a result of or in connection with the use of electronic communication or for any adverse affect on the recipient's systems or data as a consequence.
 
In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, Horizon Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to: viruses and other malignant code, criminal activity, and use or content which Horizon Group at its absolute discretion, deems inappropriate.
 
Your electronic information
If you contact us electronically, we may collect your electronic identifier (e.g. Internet Protocol (IP) address or telephone number) supplied by your service provider.
 
Computer Viruses
It is your responsibility to ensure that computer viruses do not enter your system. Horizon accepts no responsibility in this regard.
 
Access
In addition to the need to read these Terms and Conditions, and the Regulatory Notice which forms part thereof, you may be referred on certain site pages to read other "Important Information". This Important Information will contain important product details and must be read in conjunction with the relevant site pages.
 
Changes to website
The contents of this website, including these terms and conditions, are subject to change by us without notification and Horizon shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.
 
Linked Websites
To provide increased value to users of this website, we may provide links to other websites or resources that are not part of the Horizon Group for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website, we have no control over and are not responsible for the availability or content or security of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
 
Horizon's Intellectual Property Rights
All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.
 
This website contains trade marks, whether registered or unregistered, belonging to Horizon. No rights are granted in respect of any of the trade marks, whether registered or unregistered. If you are in doubt as to whether an item is a trade mark of Horizon please contact us for clarification.
 
Complaints
If you are not satisfied with any of our products or services we have a complaint handling procedure that you can use to resolve such matters. Details of this procedure can be obtained by writing to or telephoning us and in the first instance complaints should be made in writing and addressed to Horizon’s Compliance Officer at Horizon’s registered office.
 
Data Protection - Your Personal Information
By agreeing to be bound by these terms and conditions, you are consenting to us collecting and storing certain personal data about you. This data will not be used other than in the normal course of our business. If you have registered as a user of the Horizon Group website you may have provided personal information that is required to communicate with you for marketing purposes. You agree that Horizon Management Services Limited, Horizon Investments (Jersey) Limited, Horizon Trustees (Jersey) Limited and Horizon Fund Management Limited, data controllers as defined in the Data Protection (Jersey) Law 2005, may hold and process such personal data, which may include sensitive personal data, for the purposes for which it has been collected. As data controllers, the aforementioned companies are bound by the requirements of applicable data protection legislation and undertake to ensure that any personal data gathered will be processed in accordance with the requirements of that legislation.
 
Horizon is committed to protecting your privacy and recognizes its responsibility to keep the information you provide to it confidential at all times. Except as set out below or where a specific disclosure of your personal information is made at your request or with your consent, the information that you provide will only be used for marketing purposes and processed and used in accordance with applicable data protection legislation to which Horizon is bound to adhere as a registered data controller.
 
Your personal data, which comprises all the details we hold about you, may, without limitation, be passed to any third party, regardless of jurisdiction of residence of that third party, including judicial, governmental and administrative bodies as well as private individuals and entities, because there is a legal requirement to do so or where the failure to make any disclosure would, in the opinion of Horizon, be prejudicial to Horizon Group. Any third party engaged by Horizon to process your information shall be subject to the same standards and duties regarding data protection as Horizon is.
 
Any of the information you provide may be used for identification purposes and the prevention of money laundering as well as the management of your relationship with Horizon in order that we might understand our customers' requirements and develop and test products and services.
 
We may transfer your data to a third party in the event of a sale or merger of any of the Horizon Group trading companies. We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations. Personal data may include any information provided by someone acting on your behalf.
 
Under Data Protection legislation you have a right to access to certain personal records. If you wish to receive details of personal data held about you by us, you may write to request this. We aim to keep your information up-to-date and undertake to correct any inaccuracies in our records of your personal data as soon as we have been notified of such.
 
From time to time, we may change the way we use your information. Where we believe you may not reasonably expect such a change, we shall write to you. If you do not object to the change within 60 days, you consent to that change.
 
Application Information - When you apply for a product or service on this site, you will be asked for personal information that is needed to process your application. The information that you provide will only be used for the purposes described at the time of your application and where applicable in the Terms and Conditions that apply to the relevant product or service.
 
Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering. We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
 
We can provide the names and addresses of fraud prevention agencies we use if you would like a copy of the information held by them.
 
Third party source information
All third party information and opinions expressed in this website were obtained by Horizon in good faith from third party sources believed to be reliable, and no representation or warranty, express or implied, is made as to the accuracy, reliability or completeness of such information and opinions and Horizon shall accordingly not be liable for any loss resulting from reliance thereon. All information and opinions, as well as any prices indicated, are subject to change without notice. Third party information may be incomplete or condensed.
 
Graphs and Charts
Unless specifically stated otherwise, graphs and figures used are for illustrative and information purposes only. They in no way represent projections of the anticipated or expected performance of relevant products.
 
Investment Reports and Commentaries
Although every effort has been made by Horizon to ensure that the information contained within investment reports and commentaries in this website is accurate, due to the nature of investment markets, it can not be relied on to assess the ‘future’ performance of any investments or in making investment decisions. Further, all opinions included in reports and commentaries constitute Horizon's judgement as of the date of the report or commentary and are subject to change without notice. Consequently, reports and commentaries are provided for information purposes only and are not to be relied upon in making investment decisions. Horizon shall not be liable for any loss of any nature that may be suffered as a result of an investor’s reliance upon the information, views and other matters set out in any reports or commentaries All warranties, representations and conditions, whether implied or expressed, statutory or otherwise are excluded to the fullest extent permitted by law. Your use of the reports and commentaries is entirely at your own risk.
 
Data: A copy of the data on which the reports and commentaries are based is available upon request.
 
Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under applicable laws, regulations and any conduct of business rules which we are bound to comply with.
 
Governing Law
The terms and conditions of use of this website are governed by the law of Jersey and any dispute regarding this website or arising as a result of the use of this website shall be subject to the exclusive jurisdiction of the Royal Court of Jersey.