By visiting www.finance.gi you are consenting to our terms and conditions.

OVERVIEW

The terms “we,” “us,” and “our” refer to Horizon Finance Limited. The term the “Site” refers to www.finance.gi. The terms “user,” “you,” and “your” refer to site visitors, customers, and any other users of the site. We provide loans. Use of www.finance.gi, including all materials presented herein and all online services provided by Horizon Finance LTD, is subject to the following Terms and Conditions. These Terms and Conditions apply to all site visitors, customers, and all other users of the site. By using the Site or Service, you agree to these Terms and Conditions, without modification, and acknowledge reading them.

USE OF THE SITE AND SERVICE

To access or use our site, you must be 18 years of age or older and have the requisite power and authority to enter into these Terms and Conditions. Children under the age of 18 are prohibited from using the site. Information provided on the site and its services are subject to change. 

OTHER TERMS THAT CAN APPLY

• Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
• Our Cookies Policy, which sets out information about the cookies on our Site.

ACCOUNT CREATION

In order to use the service, you may be required to provide information about yourself including your name, email address, username and password, and other personal information. You agree that any registration information you give to Horizon Finance LTD will always be accurate, correct, and up to date. You must not impersonate someone else or provide account information or an email address other than your own. Your account must not be used for any illegal or unauthorised purpose. You must not, in the use of the service, violate any laws. 

You must not disclose any of the above details provided to any third party. We have the right to disable any user identification code, password, username or any other piece of information whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If your account has been hacked or illegally used, please contact us on finance@finance.gi ASAP. 

We can assume that all correspondence, orders, transfers and instructions made by reference to your username, password and any other security information are made by you.

We can decline to act on your instructions or suspend your account if we suspect illegal or fraudulent activity or unauthorised use of your account.

CHANGES TO THE WEBSITE

We may amend these terms on occasion, and every time you wish to use our site, please check to ensure you understand the terms that apply at that time. We may update our site from time to time to reflect changes to our products, our users’ needs and our business priorities.

SUSPENSION OR WITHDRAWAL OF SITE

Our site is free of charge to browse or apply. We can not guarantee that our site or its content will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons.

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site. 

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged. 

You must not use any part of the content on our Site for commercial purposes.

If you print off, copy or download any part of our Site in breach of these Terms, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

RELIABILITY OF INFORMATION ON OUR SITE 

The content on our Site is provided for general information only. You must obtain professional financial or specialist advice before taking, or refraining from, any action on the basis of the content on our Site. Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether expressed or implied, that the content on our site is accurate, complete or up to date.

NOT RESPONSIBLE FOR WEBSITES WE LINK TO

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.  We have no control over the contents of those sites or resources.

OUR LIABILITY

We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.  We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• Use of, or inability to use, our Site;
• Use of or reliance on any content displayed on our Site; or any direct or consequential loss or damage.

In particular, we will not be liable for:

• Loss of profits, sales, business, or revenue;
• Business interruption;
• Loss of anticipated savings;
• Loss of business opportunity, goodwill or reputation; or any indirect or inconsequential loss or damage.

Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes, and we have no liability on the above.

Whether you are a consumer or business user we do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

NOT RESPONSIBLE FOR VIRUSES

We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site.

You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

RULES ABOUT LINKING TO OUR SITE

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you. Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.

We reserve the right to withdraw linking permission without notice. The website in which you are linking must comply in all respects with industry content standards. If you wish to link to or make any use of content on our site other than that set out above, please contact finance@finance.gi 

WHICH COUNTRY’S LAWS APPLY TO DISPUTES? 

These Terms, their subject matter, and their formation, are governed by Gibraltar law. You and we both agree that the courts of Gibraltar will have exclusive jurisdiction.