terms and conditions

§1 Scope of Application
"Market Horizon" is a division of Assetto Profitti Ltd.
These General Terms and Conditions apply exclusively to the business relationship between Assetto Profitti Ltd and the customer, as valid at the time of the order. Differing customer conditions are not recognized unless Assetto Profitti Ltd explicitly agrees in writing.

§ 2 Conclusion of Contract

The customer's order of newsletters, stock market letters, or software constitutes an offer to Assetto Profitti Ltd for a purchase contract. An email confirming receipt (order confirmation) is sent, but this does not accept the offer. A contract is formed only when the ordered product is shipped. For digital products, the contract is concluded when login details or documents are emailed.Assetto Profitti Ltd does not sell to minors.

§ 3 Prices

The purchase price is as displayed on www.market-horizon.pro at the time of the order.

§ 4 Services

§ 4.1 General Services

Service scope and content are detailed on the website. Assetto Profitti Ltd may modify services at its discretion. Customers must ensure technical prerequisites for proper use are met before ordering.

§ 4.2 Shipping

No comprehensive guarantee is provided for flawless email delivery of newsletters, stock market letters, reports, or studies as PDFs. Assetto Profitti Ltd is not liable for failures or misdirected emails.

§ 5 Subscription Changes

Subscription changes are possible only after the billing period expires.

§ 6 Customer's Obligations

§ 6.1 Personal Information

Customers must provide accurate, complete data for orders and inform Assetto Profitti Ltd of changes via email to info@market-horizon.pro.

§ 6.2 Notification of Access Issues

Customers must promptly notify Assetto Profitti Ltd if expected communications (e.g., invoices) are not received within the usual delivery time frame.

§ 7 Duration

Subscription durations are specified in product descriptions and order forms.

§ 8 Right of Withdrawal

§ 8.1 Withdrawal Period

The 14-day withdrawal period begins upon receipt of login details or an informational email. Customers may withdraw without reason within this period.

§ 8.2 Form

Withdrawal must be in writing (email or mail) to:
Assetto Profitti Ltd
Dimitri Liperti 8a
8540 Tsada, Cyprus
Email: info@market-horizon.pro

§ 8.3 Exclusions

No withdrawal right exists for services like studies, reports, or lessons delivered as PDFs via email.

§ 8.4 Consequences

Upon valid withdrawal, the contract is voided, and access to services is deactivated immediately.

§ 9 Cancellation Periods for Subscriptions

§ 9.1 General

Subscriptions may be cancelled with 14 days' notice, effective at the end of the subscription period. Cancellation must be in writing to Assetto Profitti Ltd. Timeliness is based on receipt, confirmed by customer service.

§ 9.2 Additional Regulations

Subscriptions continue post-minimum contract period unless cancelled timely. Limited subscriptions end as agreed. Early cancellation is not permitted unless Assetto Profitti Ltd agrees case-by-case.

§ 10 Invoicing, Due Date

§ 10.1 Invoicing

Subscription fees are due in advance, invoiced via email in PDF format. Payment is due within 14 days of invoice receipt. Billing occurs post-trial for the full subscription period.

§ 10.2 Payment

Payment options include credit card, PayPal, or bank transfer. Invoice amounts must be credited within 14 days. Direct debit payments are deducted post-invoicing.

§ 10.3 Credit Card

MasterCard or Visa payments are accepted. Assetto Profitti Ltd may charge administrative or chargeback fees, notified to the customer. Third-party card use requires cardholder consent.

§ 11 Payment Default

§ 11.1 Default Interest

In default, Assetto Profitti Ltd may charge 5% above the European Central Bank base rate annually or claim higher proven damages.

§ 11.2 Reminder Fees

A 10.00 EUR fee per reminder is charged, due immediately. Outstanding amounts become due in default.

§ 11.3 Suspension of Services

Assetto Profitti Ltd may suspend delivery of newsletters, stock market letters, or member area access in default.

§ 12 Offsetting, Retention

Customers may offset only legally established or acknowledged counterclaims. Retention rights apply only to claims from the same contract.

§ 13 Risk Warnings and Disclaimer

§ 13.1 Liability for Information

Assetto Profitti Ltd is not liable for trading suggestions, which are not invitations to trade. Customers act at their own risk. No liability exists for content consequences or information

accuracy.

§ 13.2 Liability for Agents

Assetto Profitti Ltd is liable for its employees’ actions. Customer contributory negligence reduces liability proportionally.

§ 13.3 Force Majeure

No liability for damages from force majeure, riots, war, natural events, or uncontrollable events (e.g., strikes, technical failures, cyberattacks with protective measures).

§ 14 Data Submission and Data Protection

Customers must provide accurate data and report changes. Data protection complies with legal provisions. Customers consent to data storage, use, and sharing with agents for contract fulfillment.

§ 15 Website

Website services target customers and non-customers but not U.S. persons or users in the UK, Northern Ireland, Canada, or Japan. Users must comply with local restrictions. Market information is for informational purposes, not advisory.

§ 16 Copyright

Assetto Profitti Ltd holds trademark and copyright for website content. Use is permitted for private purposes only; other uses require written permission.

§ 17 Cookies

Cookies facilitate access. Customers may configure browsers to notify or block cookies.

§ 18 Changes to Products

Assetto Profitti Ltd may adapt or change offerings and website content. Customers should regularly check terms, notices, and prices.

§ 19 Changes to the Terms and Conditions

Assetto Profitti Ltd may amend terms with future effect, posted on the website. Continued use post-changes implies acceptance.

§ 20 Applicable Law and Jurisdiction

Cypriot law applies. Jurisdiction is at Assetto Profitti Ltd location:
Assetto Profitti Ltd
Dimitri Liperti 8
8540 Tsada, Cyprus

§ 21 Severability Clause

Invalid provisions do not affect remaining terms. Parties will replace invalid provisions with valid ones closest to the original intent.

-----------------------------------------------------

Subscription Refund Policy

1. Overview

This policy governs refunds for subscriptions, compliant with Cyprus Companies Law, Cap. 113, and EU consumer protection regulations. Refunds are discretionary unless legally required.

2. Refund Eligibility

Free Trial: Full refund within 7 days if no content accessed, per EU Consumer Rights Directive 2011/83/EU.
Monthly Subscriptions: Refund within 7 days of initial payment if unused.
Annual Subscriptions: Refund within 14 days of initial payment if unused, per EU distance selling rules.
Auto-Renewal: No refunds unless unused and requested within 7 days.

3. Non-Refundable Cases

No refunds post-eligibility periods, per Cyprus law.
No partial refunds for partially used cycles.
No refunds for failure to cancel before auto-renewal, unless terms violate Consumer Protection Regulations.

4. How to Request a Refund

Submit via email to info@market-horizon.pro with subscription ID and reason. Processed within 5-7 business days, per Cyprus Companies Law.

5. Consumer Rights

Statutory rights under Cyprus and EU law (e.g., refunds for faulty services) are unaffected. Misleading terms may entitle refunds.

6. Policy Changes

Policy may be amended by special resolution, filed with Cyprus Registrar of Companies, effective upon website posting.

Tsada, March 28, 2025