Legal notice

<h2>Legal notice</h2>

<h3>Who operates this store</h3>

<p>Ramos Digital Ltd<br>71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom</p>

<p>Email: support@horizonco.online<br>Phone: +44 20 7240 3632<br>Support hours: Monday to Friday, 9:00 to 17:00 London time</p>

<h3>Nature of the business</h3>

<p>We publish short educational guides on personal finance, sold as digital downloads under the Marlowe Press imprint. We are a publisher. We are not a bank, a broker, a lender, an insurer or a financial adviser, and we are not authorised or regulated to give financial advice.</p>

<h3>Not advice</h3>

<p>Nothing sold or published here is financial, legal or tax advice. The guides explain how budgets, credit files, savings arrangements, tax returns and investment products are structured, so that a reader can understand what is being offered to them. They do not know your circumstances and cannot take them into account. For any decision that turns on your own situation, consult someone qualified and regulated to advise on it.</p>

<h3>No guarantee of outcome</h3>

<p>Reading does not change a balance by itself. We make no promise, express or implied, about financial results obtained by anyone who reads these guides.</p>

<h3>Accuracy</h3>

<p>The guides are written carefully and reviewed before release. Rules, rates and thresholds change, and a guide reflects the position at the time it was written. Where a figure matters to a decision, check it against the current official source.</p>

<h3>Intellectual property</h3>

<p>The text, the artwork and the layout are the property of Ramos Digital Ltd. Buying a guide gives you a personal licence to read and keep it. It does not transfer ownership or any right to resell or republish.</p>

<h3>External links</h3>

<p>Where we link to another site we do so for reference. We do not control those sites and are not responsible for their content.</p>

<h3>Currency</h3>

<p>All prices are shown and charged in US dollars.</p>