Terms of use

Effective date: 01 February 2024

1. Agreement

By accessing or using horizonlumen.com (“the Site”), you agree to these Terms of Use. If you do not agree, please discontinue use.

2. About Horizonlumen

Horizonlumen provides educational financial guidance for Ghanaian households. We are not a licensed financial institution, broker, or investment advisor.

3. Eligibility

The Site is intended for individuals aged 18 and above or guardians acting on behalf of minors. By using the Site, you confirm you have legal capacity to enter these terms.

4. Use of content

  • Content is for informational purposes and should not be considered financial, legal, or tax advice.
  • You may download or print materials for personal, non-commercial use provided you retain attribution to Horizonlumen.
  • Copying, redistributing, or exploiting content for commercial purposes without permission is prohibited.

5. Advisory engagements

Engaging Horizonlumen for household advisory services requires a separate agreement outlining scope, fees (if applicable), timelines, and confidentiality terms.

6. Acceptable use

  • Do not interfere with the Site’s operation or security.
  • Do not submit unlawful, defamatory, or harmful content through forms or emails.
  • Do not attempt to access restricted areas or data without authorisation.

7. Privacy

Your use of the Site is also governed by our Privacy Notice, which explains how we collect and process personal data in Ghana.

8. Cookies

The Site uses essential and analytics cookies. Details are provided in our Cookie Policy.

9. Third-party links

Links to third-party resources are provided for convenience. Horizonlumen does not control or endorse the content and is not responsible for their practices.

10. Disclaimers

The Site is provided “as is”. We do not warrant uninterrupted access, accuracy, or suitability of content. Use of the Site is at your own risk.

11. Limitation of liability

To the extent permitted by Ghanaian law, Horizonlumen is not liable for indirect, incidental, or consequential damages arising from Site use. Our liability is limited to the amount paid (if any) for accessing the Site.

12. Indemnity

You agree to indemnify Horizonlumen against claims resulting from your breach of these terms or misuse of the Site.

13. Changes to terms

We may update these terms periodically. Material changes will be posted on the Site with a revised effective date. Continued use signifies acceptance.

14. Governing law

These terms are governed by the laws of the Republic of Ghana. Disputes shall be resolved in Ghanaian courts.

15. Contact

Questions about these terms can be directed to [email protected] or +233 27 991 3372.