Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you (the "User") and Horizon Financial Planning, a financial advisory firm located in Seattle, Washington ("Horizon Financial Planning," "we," "us," or "our"). These Terms govern your access to and use of the Horizon Financial Planning website, including any content, functionality, and services offered on or through the website (the "Services").

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Cookies Policy , which are incorporated herein by reference. If you are using the Services on behalf of an organization, you are agreeing to these Terms for that organization and representing to Horizon Financial Planning that you have the authority to bind that organization to these Terms. In that case, "you" and "your" will refer to that organization.

We reserve the right to modify or revise these Terms at any time, with or without notice to you. Your continued use of the Services following the posting of any changes to these Terms constitutes acceptance of those changes. It is your responsibility to review these Terms periodically for updates.

2. Intellectual Property

The content, features, and functionality of this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, software, and the design, selection, and arrangement thereof (the "Content"), are owned by Horizon Financial Planning or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Content without the prior written consent of Horizon Financial Planning, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

If you violate any of these intellectual property rights, your right to use the Services will cease immediately, and you must, at our option, return or destroy any copies of the Content you have made.

Horizon Financial Planning and the Horizon Financial Planning logo are trademarks owned by Horizon Financial Planning. You may not use these trademarks without our prior written permission. All other trademarks, service marks, and logos used on the Services are the trademarks, service marks, or logos of their respective owners.

3. User Conduct

You agree to use the Services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Services. Prohibited behavior includes, but is not limited to:

• Transmitting any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material.
• Transmitting any material that encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable law or regulation.
• Interfering with or disrupting the operation of the Services or the servers or networks used to make the Services available.
• Attempting to gain unauthorized access to any portion of the Services, other accounts, computer systems, or networks connected to the Services, through hacking, password mining, or any other means.
• Using any robot, spider, or other automated device, process, or means to access the Services for any purpose, including monitoring or copying any of the Content.
• Introducing any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

You are solely responsible for any content you submit or transmit through the Services. You agree to indemnify and hold harmless Horizon Financial Planning from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your use of the Services or your violation of these Terms.

4. Disclaimers

The information provided on this website is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. You should not rely on any information contained on this website as a substitute for professional advice from a qualified financial advisor.

Horizon Financial Planning makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

We do not warrant that the Services will be uninterrupted or error-free, that defects will be corrected, or that the Services or the server that makes them available are free of viruses or other harmful components.

Past performance is not indicative of future results. Investment decisions should be based on your own due diligence and consultation with a qualified financial advisor.

5. Limitations of Liability

In no event will Horizon Financial Planning, its affiliates, or their respective directors, officers, employees, agents, suppliers, or licensors be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; or (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

The total liability of Horizon Financial Planning for any claim arising out of or relating to these Terms or the Services shall not exceed the amount you paid, if any, to Horizon Financial Planning for access to or use of the Services during the twelve (12) months preceding the date of the claim.

6. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles. You agree that any legal action or proceeding between you and Horizon Financial Planning relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in King County, Washington.

7. Contact Information

If you have any questions about these Terms, please contact us at:

Horizon Financial Planning
500 Union Street, Suite 600
Seattle, WA 98101
Phone: (206) 555-1212
Email: legal@horizonfinancialplanning.com

8. Changes to Terms and Conditions

We may revise and update these Terms and Conditions from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter.

Your continued use of the Website following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

9. Entire Agreement

The Terms and Conditions, our Privacy Policy , and our Cookies Policy constitute the entire agreement between you and Horizon Financial Planning with respect to the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and Horizon Financial Planning with respect to the Services.

10. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The remaining provisions of these Terms will continue in full force and effect.

11. Waiver

No waiver by Horizon Financial Planning of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Horizon Financial Planning to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.