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Terms of Service

Last updated on October 26, 2023: December 20, 2025

§ 1. General Provisions

  1. These Terms of Service govern the use of the website and any related services offered by Horizon Financial Partners SPRL. By accessing the website, you agree to be bound by these terms and all applicable laws and regulations.
  2. The content and materials on this website are for informational purposes only and do not constitute financial, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.
  3. We reserve the right to modify these terms at any time. Your continued use of the website after any such changes constitutes your acceptance of the new terms. Please review this page periodically for updates.
  4. The use of our services for any unlawful purpose or in any way that could damage, disable, or impair the service or interfere with any other party's use and enjoyment of the service is strictly prohibited.

§ 2. Definitions

  • Platform – Refers to the website located at horizonfp.be and any associated subdomains and client portals.
  • User – Any individual or entity who accesses or uses the Platform, whether as a visitor or a registered client.
  • Account – Refers to the secure client portal account created by a User to access personalized Services.
  • Services – Refers to all financial advisory, planning, risk management, and informational content provided by Horizon Financial Partners.
  • Regulations – Refers to these Terms of Service.

§ 3. Type and Scope of Services Provided

  1. The Platform provides general information about our company and the financial services we offer. It also serves as a gateway for clients to access their secure personal Account, where they can view portfolio information and communicate with their advisor.
  2. The information provided on the public sections of the Platform is not tailored to any individual's specific circumstances and should not be considered as a personal recommendation or investment advice.
  3. Specific advisory services are provided only under a separate, written client agreement which outlines the scope, fees, and responsibilities of both parties. The terms of that agreement will supersede these Regulations where conflicts exist.
  4. We do not guarantee the availability of the Platform at all times. The Platform may be temporarily unavailable due to maintenance, system failure, or other factors. We are not liable for any damages resulting from such unavailability.

§ 4. Technical Requirements

  1. To use the Platform effectively, the User must have a device with internet access and a modern, updated web browser (e.g., Chrome, Firefox, Safari, Edge) with cookies and JavaScript enabled.
  2. The User is responsible for ensuring their device and software meet these requirements and are free from viruses or malware.
  3. We are not responsible for any technical problems or limitations in the User's equipment that prevent them from using the Platform.

§ 5. Rights and Obligations of the User

  1. The User agrees to provide accurate and current information when using contact forms or registering for an Account. The User is responsible for maintaining the confidentiality of their Account login credentials.
  2. The User agrees not to use the Platform for any illegal or unauthorized purpose. You must not transmit any worms, viruses, or any code of a destructive nature.
  3. All content on the Platform, including text, graphics, logos, and software, is the property of Horizon Financial Partners or its licensors and is protected by copyright and other intellectual property laws. Unauthorized use, reproduction, or distribution is strictly prohibited.
  4. The User is solely responsible for any and all activities that occur under their Account. You must notify us immediately of any unauthorized use of your Account or any other breach of security.
  5. By submitting content or inquiries through the Platform, you grant us a non-exclusive, royalty-free license to use that information for the purpose of providing and improving our Services.

§ 6. Final Provisions

  1. These Regulations shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions. Any disputes will be subject to the exclusive jurisdiction of the courts of Brussels.
  2. If any provision of these Regulations is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
  3. Any questions regarding these Terms of Service should be directed to our contact email: contact@horizonfp.be.