How the download works
Nothing is posted and nothing is queued. The file is released the second the payment goes through.
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Each guide stands on its own as a single PDF. No bundle to commit to, no renewal, and the copy stays yours.
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Card, Apple Pay, Google Pay or Shop Pay. We never ask for a postal address, because nothing physical leaves here.
Check your inbox
The link reaches the address you gave at checkout, usually within a minute, and it does not expire.
What the reading is actually for
No claim about your balance — just what tends to be different once the picture is clear.
Now
- You can name what arrives, but not where it goes.
- The credit score is a number that turns up, not one you could explain.
- Whatever survives the month gets saved, which is rarely anything.
- Tax time starts with a hunt for paperwork nobody filed.
Afterwards
- Each outgoing amount has a purpose and a date beside it.
- You know the handful of inputs the score responds to, and the ones it ignores.
- The transfer goes out on payday, ahead of everything else.
- The documents sit in one place, named the way you named them.
Frequently asked questions
Is this financial advice?
No. These are educational guides. They explain how budgets, credit files, savings arrangements and tax returns are built. They know nothing about your own situation and are not financial, legal or tax advice. Where a decision turns on your circumstances, talk to someone regulated to advise on them.
What am I actually buying?
A PDF, laid out to read as comfortably on a phone as on a laptop. The link arrives by email at the address you give at checkout. There is no printed edition and nothing is shipped.
Nothing arrived in my inbox.
Look in spam and promotions first, then check the address you typed. If it is still missing, email support@horizonco.online with the order number and we will send the link again by hand.
Can I have my money back?
Yes — within 30 days, for any reason, including after you have opened the file. Email support@horizonco.online and the refund returns to the card you paid with. The Refund policy page has the full wording.
Do I have to create an account?
No. Checkout asks for an email so the file has an address to reach. Nothing else is needed and no subscription starts.
What currency is this in?
US dollars, wherever you are. What the checkout shows is what is charged; your own bank may convert on top of that.
About us
Horizon publishes short, plain-English guides on personal finance under the Marlowe Press imprint.
Business address
Ramos Digital Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Operated by Ramos Digital Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom. All products are digital downloads. Prices are in US dollars. The guides are educational reading and are not financial, legal or tax advice.