BM Horizon Associates Limited (Cyprus) is a privately owned company. The Horizon Associates website provides information for European-based residents, which is non-regulated, and for non-European residents, which is regulated. For Non-EU business, Horizon Associates offers Investment Advice and Insurance Brokerage services to applicable jurisdictions via Financial Services Network Ltd, regulated by the Mauritius Financial Services Commission License No. C116016070 (www.fsn-ltd.com). Horizon Associates’ partnership and data-sharing agreement with Financial Services Network Ltd ensures any Non-EU personal data sharing is protected via third-party data-sharing agreements containing European Commission-approved Standard Contractual Clauses.

Agreement to Terms of Business

By using our website or submitting an inquiry, you confirm that you have read and agree to our Terms of Business and this Privacy Policy.

Risk Warning:

Any investment in financial instruments entails substantial risks, the degree of which depends on the nature of each investment and may not be suitable for all investors. The value of any investment may increase or decrease in value, and investors may lose all their invested capital.

What Data Do We Collect?

Horizon Associates collects and processes personal information necessary to fulfil legal and regulatory requirements, provide our services, and improve user experience. This may include personally identifiable information used to identify, contact, or locate you, either alone or in combination with other information.

We collect:

• Information you provide directly via forms, agreements, or correspondence (e.g., name, address, email, phone number, financial information, and photographs).

• Information received from third-party partners, such as business affiliates, brokers, insurers, fund houses, and legal representatives.

• Data shared with approved service providers, including API Global Ltd, Global Residential FZCO, IP Global Ltd, Cypeir Properties Ltd, Moennez Holdings Limited, CPZ Property Limited, Vistra Group.

• For UK property investment services, Horizon Associates acts as an introducer only. Any personal data collected for property inquiries may be shared with API Global Ltd or other relevant real estate partners to facilitate property sourcing.

You are responsible for ensuring the accuracy of the personal information you provide. If any data is outdated or incorrect, contact us to update your records.

Use of Your Personal Data

We process your personal data based on:

• Contractual necessity – To provide services requested by you.

• Legal obligations – Compliance with AML/KYC and other regulatory requirements.

• Legitimate interest – To improve our services and inform you of relevant updates.

• Consent – For marketing communications, which you may opt out of at any time by contacting us at email us.

Protection & Security of Personal Data

Horizon Associates employs strict physical, electronic, and procedural safeguards to protect your data. We do not sell, license, or lease your data to third parties except as required for service provision or regulatory compliance.

• Data Storage & Transfers: Personal data is stored securely within the EU. When transferred outside the EEA, we use Standard Contractual Clauses (SCCs) to ensure protection under GDPR.

• Retention Period: Personal data is retained for a minimum of 5 years after service termination, in compliance with legal obligations, unless a longer retention period is required by law. Clients should be aware that regulated partner firms may have their own retention policies.

• Security Measures: Data access is restricted to authorized personnel only. Clients are responsible for safeguarding their login credentials.

Disclosure of Personal Data

Your personal data may be shared with:

• Business partners, brokers, insurers, and platforms for service provision.

• Regulatory authorities such as the Mauritius Financial Services Commission, local tax agencies, and law enforcement agencies for compliance with anti-money laundering laws.

• Third-party service providers (e.g., analytics providers) to optimise website functionality.

In case of a company acquisition, clients will be notified and given the option to opt out of data transfers.

Your Rights

Under GDPR (Chapter 3), you have:

• Right to access – Request a copy of your personal data.

• Right to rectification – Correct inaccurate or incomplete data.

• Right to erasure (‘to be forgotten’) – Request deletion of your data where legally applicable.

• Right to restrict processing – Limit how we use your data under certain conditions.

• Right to data portability – Request a machine-readable copy of your data.

• Right to object – Opt out of direct marketing or automated decision-making.

• Right to withdraw consent – Withdraw marketing consent at any time.

• Right to lodge a complaint – File a complaint with the Office of the Commissioner for Personal Data Protection in Nicosia, Cyprus (www.dataprotection.gov.cy).

To exercise any of these rights, contact Contact Us.

Cookies Policy

Our website uses cookies to enhance user experience. You may configure browser settings to refuse cookies. For details, refer to our Cookie Policy.

Privacy Policies of Other Websites

Our website contains links to third-party sites. We are not responsible for their privacy practices. Please review their policies before providing personal data.

Changes to Our Privacy Policy

This policy is reviewed annually to ensure compliance. The latest update was on 7th March 2024.

Contact Information

For any privacy-related concerns, contact us via:

• Email: Contact Us

• Phone: +357 25 312196

• Mail: BM Horizon Associates Ltd, Markou Drako, Pano Kivides, Limassol, 4715 Cyprus

If you feel your concern has not been addressed, you may contact the Office of the Commissioner for Personal Data Protection at commissioner@dataprotection.gov.cy.

Effective Date: 7th March 2024