Horizon Associates Limited
Terms of Business

1. Introduction

Horizon Associates Limited (“Horizon Associates”, “we”, “our”, “us”) is a Cyprus-based advisory firm providing consultancy and referral services in financial planning, estate structuring, and UK property investments. We do not directly provide regulated financial products or services but instead introduce and advise clients in collaboration with regulated partners.

Website Agreement Notice: By using our website and submitting any inquiry or application form, you confirm that you have read and agree to these Terms of Business and our Privacy Policy.

2. Our Role & Scope of Services

  • We act as an independent advisor and do not directly provide financial products or investment services.

  • Clients will engage in separate agreements with one of our regulated partner companies, based on jurisdictional and regulatory requirements.

  • Our primary partners include:

    • Trafalgar International (regulated in Germany, administered in Cyprus)

    • FSN Ltd (regulated out of Mauritius)

    • NFS Europe Ltd (regulated out of Cyprus for insurance and financial advice)

    • API Global (for UK property investment opportunities)

  • Horizon Associates is not responsible for the performance, regulatory compliance, or obligations of these partner firms.

3. Fees & Charges

Our fee structure is as follows:

  • Standard Fees:

    • Arrangement Fee: 1% of the investment amount.

    • Ongoing Management Fee: 1.25% per annum, deducted quarterly.

  • Complex Solutions:

    • For services requiring extensive research or bespoke structuring, additional fees may be negotiated in advance.

  • UK Property Investment Commissions:

    • These commissions vary based on the development, location, and luxury level.

    • They are not disclosed separately, as they are factored into the pricing structure of the property developments.

UK Property Investment Agreement: Clients engaging in UK property investments acknowledge that commissions are included in the purchase structure and not separately disclosed.

4. Liability & Disclaimers

  • Horizon Associates acts strictly in an advisory capacity and bears no liability for financial losses, investment outcomes, or regulatory compliance of partner firms.

  • Clients must conduct their due diligence and review the terms of any agreements they enter with regulated entities.

  • Any financial advice or product recommendation will be provided by our partner firms under their respective regulatory licenses.

5. Client Agreements

  • Clients must enter a direct contractual agreement with one of the regulated partner firms for financial services.

  • Horizon Associates will assist in the advisory and onboarding process but does not manage funds or investment accounts.

  • By submitting an inquiry form through our website, clients agree to these Terms of Business.

6. Confidentiality & Data Protection

  • We handle client data in compliance with GDPR and applicable data protection laws.

  • Client information will only be shared with partner firms with explicit client consent for the purpose of advisory and service facilitation.

  • Clients submitting information through our website acknowledge that their data may be shared with regulated partners for advisory purposes.

7. Governing Law & Jurisdiction

  • These Terms of Business are governed by the laws of Cyprus.

  • Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the Cyprus courts.

8. Amendments & Updates

  • Horizon Associates reserves the right to update these Terms of Business as needed.

  • Clients will be notified of any material changes.

For any inquiries regarding these Terms of Business, please contact:

  • Email: Contact Us

  • Phone: +357 25 312196

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