Terms of Service

Last Updated: March 12, 2026

1. Acceptance of These Terms

These Terms of Service (the “Terms”) govern your access to and use of the website and educational materials provided by Horizon Financial Academy operated by JOWEI S.L. (“Horizon Financial Academy,” “we,” “our,” or “us”). By accessing or using this website, you agree to be legally bound by these Terms and our Privacy Policy. If you do not agree, do not use the website.

You must be at least 16 years old to use this site. If you are under 18, you may only use the site under the supervision of a parent or legal guardian who agrees to be bound by these Terms on your behalf.

2. Educational Nature and Niche‑Specific Disclaimers

All content on this site is provided for educational and informational purposes only. We do not provide investment advice, financial advisory services, brokerage services, portfolio management, tax advice, accounting services, or legal guidance. Nothing on this site constitutes a recommendation to buy, sell, or hold any financial product or to engage in any transaction. Horizon Financial Academy does not guarantee outcomes, profits, or future results. Always consider consulting appropriately qualified professionals for advice tailored to your circumstances.

3. Service Description

We provide educational programs, articles, guides, worksheets, and related materials focused on financial literacy, budgeting concepts, planning fundamentals, and terminology. Access may include self‑paced modules and downloadable learning assets. We may update, enhance, restrict, suspend, or discontinue any part of the site or materials at any time without notice. The content is provided “as is” to support learning and does not replace professional advice.

4. Acceptable Use

• No scraping, crawling, or automated data extraction without written permission.
• No attempts to bypass, probe, or defeat security controls or access controls.
• No uploading or distributing malware, spyware, or harmful code.
• No impersonation, misrepresentation of affiliation, or use of false information.
• No spamming, unsolicited advertising, or disruptive behaviors.
• No copying, redistributing, or public posting of materials without authorization.
• No access from embargoed, sanctioned, or restricted regions contrary to applicable law.

5. Intellectual Property Rights

All content on the site, including text, graphics, logos, icons, images, design elements, compilations, and the overall look and feel, is owned by JOWEI S.L. or its content providers and is protected by intellectual property laws. You are granted a limited, non‑exclusive, non‑transferable, revocable license to access and use the site solely for personal, non‑commercial educational purposes. Except as expressly permitted by law, you may not copy, reproduce, adapt, translate, distribute, display, publish, or create derivative works from our content without prior written consent.

6. Third‑Party Services and Links

This site may include links or references to third‑party websites or resources. We do not control and are not responsible for their content, policies, or practices. Accessing third‑party sites is at your own risk and subject to the terms and policies of those providers. References to third‑party services do not constitute endorsements or recommendations.

7. Disclaimer of Warranties

The site and all materials are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, reliability, and non‑infringement. We do not warrant that the site will be uninterrupted, secure, error‑free, or free from viruses or harmful components, or that any defects will be corrected. Any reliance on the content is at your sole discretion and risk.

8. Limitation of Liability

To the fullest extent permitted by law, in no event will JOWEI S.L., its directors, officers, employees, contractors, or contributors be liable for any indirect, incidental, special, punitive, or consequential damages, or for any loss of profits, revenue, data, goodwill, or business interruption, arising out of or related to your use of the site or materials, even if advised of the possibility of such damages. Our aggregate liability for direct damages will not exceed the greater of: (a) the amount you paid to us, if any, for access to the relevant materials during the twelve (12) months before the claim arose, or (b) €100.

9. Indemnification

You agree to defend, indemnify, and hold harmless JOWEI S.L. and its personnel from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or connected to: (a) your use of the site or materials; (b) your breach of these Terms; (c) any content you submit; or (d) your violation of any law or third‑party rights.

10. Force Majeure

We will not be liable for any delay or failure in performance resulting from events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, civil unrest, labor disputes, government actions, power failures, internet outages, cloud provider failures, or cyberattacks (including DDoS or ransomware incidents).

11. International Use

We make no representation that the site or materials are appropriate or available for use in every jurisdiction. You are responsible for compliance with local laws, including export controls and data protection requirements, where you access the site. Access from jurisdictions where the content is illegal is prohibited.

12. Privacy

Please review our Privacy Policy to understand how we collect, use, and protect personal data. The Privacy Policy is incorporated into these Terms by reference. By using the site, you also agree to the practices described in the Privacy Policy.

13. Changes to the Site and Materials

Content, features, and availability may change without notice. We may correct typographical errors, update examples, or modify program outlines over time to improve clarity and educational value. We are not responsible for any impact such changes may have on your personal plans or schedules.

14. Modifications to These Terms

We may revise these Terms from time to time. Material changes will be posted on this page and become effective fourteen (14) days after posting, unless a different date is stated. Your continued use of the site after the effective date constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the site.

15. Dispute Resolution

Before initiating any formal proceeding, you agree to contact us and allow thirty (30) days to attempt to resolve the dispute informally. If unresolved, disputes will be subject to the Governing Law and Jurisdiction clause below. Consumers in the European Union retain any mandatory rights to bring claims in their country of residence as required by applicable consumer law.

16. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to them or the site are governed by the laws of Spain, without regard to conflict‑of‑laws rules. The courts of Valencia, Spain will have exclusive jurisdiction, except that EU consumers may bring claims in their country of residence where required by mandatory consumer protection laws.

17. Termination

We may suspend or terminate your access to the site at any time, with or without notice, for any conduct that we reasonably believe violates these Terms, applicable law, or is otherwise harmful to other users or to us. Upon termination, Sections relating to intellectual property, warranties, liability, indemnification, governing law, and dispute resolution will survive.

18. Severability and No Waiver

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any provision will not constitute a waiver of that provision or any other provision.

19. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms as part of a merger, acquisition, corporate reorganization, or sale of assets, or by operation of law, without notice to you.

20. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and JOWEI S.L. regarding your use of the site and supersede any prior or contemporaneous understandings or agreements on the subject matter.

21. Electronic Communications and Signatures

You agree to receive communications from us electronically and that such communications satisfy any legal requirement that they be in writing. Electronic signatures and records are valid and enforceable under applicable laws, including Regulation (EU) No 910/2014 on electronic identification and trust services (eIDAS), where applicable.

22. Contact Information

Horizon Financial Academy
Operated by JOWEI S.L.
C. del Dr. Manuel Candela, 20, Algirós, 46021 Valencia, Spain
Email: [email protected]