Terms of Service
Please read these terms carefully before using our website and tools.
Last Updated: April 2026
Welcome to Horizon Financial Services Ltd. These Terms of Service ("Terms") govern your use of our website located at horizon-financialservices.co.uk (the "Website"). By accessing or using our Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Website.
1. Information About Us
This Website is operated by Horizon Financial Services Ltd. We are registered in England and Wales.
- Company Registration Number: 16988882
- FCA Registration Number: (Authorised and Regulated by the Financial Conduct Authority)
- Registered Office: 101 Lockhurst Lane, Coventry, England, CV6 5SF
2. No Financial Advice
The content provided on this Website, including articles, guides, and rate tables, is intended for general information and educational purposes only. It does not constitute personalised financial, investment, legal, or tax advice.
Because every individual's financial situation is unique, you should not take, or refrain from taking, any action based solely on the information provided on this Website. We strongly recommend that you speak directly with one of our qualified financial specialists before making any financial commitments.
3. Use of Mortgage Calculators and Tools
Our Website includes interactive features such as mortgage affordability and repayment calculators. These tools are provided strictly for illustrative purposes only.
IMPORTANT DISCLAIMER: The figures generated by our calculators are estimates based on standard industry assumptions and the data you input. They are not meant to be used as real financial information, nor do they represent a guaranteed offer of finance or a quote from a specific lender. Actual interest rates, repayment amounts, and lending criteria will vary based on your personal credit history, lender policies, and current market conditions.
Indemnification: By using the calculators and tools on this Website, you agree that Horizon Financial Services Ltd shall not be held liable for any financial decisions, losses, or damages you incur as a result of relying on these estimates. You agree to indemnify, defend, and hold harmless Horizon Financial Services Ltd, its directors, employees, and agents from any claims, liabilities, damages, or expenses arising from your reliance on the tools and general information provided on this Website without seeking verified, professional advice from our specialists.
4. Your Home May Be Repossessed
As a core regulatory requirement, please be aware that YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE or any other debt secured on it. Some forms of Buy-to-Let mortgages and Commercial Finance are not regulated by the Financial Conduct Authority.
5. Intellectual Property Rights
Unless otherwise stated, Horizon Financial Services Ltd owns the intellectual property rights for all material on this Website, including text, design, graphics, logos, and software. All intellectual property rights are reserved.
You may view, download, and print pages from the Website for your own personal, non-commercial use, subject to the restrictions set out below. You must not:
- Republish material from this Website (including republication on another website).
- Sell, rent, or sub-license material from the Website.
- Reproduce, duplicate, copy, or otherwise exploit material on this Website for a commercial purpose.
6. Third-Party Links
Our Website may contain links to third-party websites or services that are not owned or controlled by Horizon Financial Services Ltd. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of any such third-party content.
7. Limitation of Liability
While we endeavour to ensure that the information on this Website is correct and up-to-date, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the Website remains available or that the material on the Website is kept up to date.
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to this Website and the use of this Website. Nothing in this disclaimer will limit or exclude any liability for death or personal injury resulting from negligence, or for fraud or fraudulent misrepresentation.
8. Changes to These Terms
We reserve the right to revise these Terms of Service at any time without prior notice. By using this Website, you are agreeing to be bound by the then-current version of these Terms of Service. Please check this page regularly to ensure you are familiar with the current version.
9. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these Terms of Service will be subject to the exclusive jurisdiction of the courts of England and Wales.
10. Contact Us
If you have any questions about these Terms, please contact us:
Horizon Financial Services Ltd
101 Lockhurst Lane, Coventry, England, CV6 5SF
020 7946 0958
[email protected]