Our Terms & Conditions

Last updated: May 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website, services, and consultancy solutions provided by Horizons Consultants (“Company”, “we”, “us”, or “our”). By accessing our website or engaging our services, you agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of our website and services immediately.

1. About Horizons Consultants

Horizons Consultants provides international business consultancy and administrative support services relating to:

• USA LLC and company incorporation services
• USA business bank account assistance
• USA carrier and telecom compliance support
• UK VAT registration and VAT-related support
• UK Companies House filings and compliance assistance
• UK business bank account assistance

Our services are administrative, compliance-support, and consultancy services only. We are not a law firm, regulated financial institution, accounting firm, tax advisory firm, or government authority unless explicitly stated otherwise in writing.

Nothing on this website constitutes legal, tax, immigration, accounting, banking, or financial advice. Clients should obtain independent professional advice where appropriate.

2. Eligibility and Acceptable Use

By using our services, you confirm that:

• You are at least 18 years of age;
• You have the legal authority to enter into binding agreements;
• All information and documentation provided by you is accurate, complete, and lawful;
• You will not use our services for unlawful, fraudulent, sanctioned, deceptive, or prohibited activities.

We reserve the right to refuse, suspend, or terminate services where we reasonably believe a client may be involved in unlawful activity, sanctions violations, money laundering, fraud, identity misrepresentation, or any activity that could expose us or our partners to legal or regulatory risk.

3. Scope of Services

The scope of each engagement is limited to the services expressly described on our website, invoices, quotations, or written communications.

Depending on the selected service, we may assist with:

• Preparation and submission of incorporation documents;
• Regulatory registration assistance;
• Business compliance administration;
• Submission support for VAT or Companies House requirements;
• Document collection and onboarding assistance;
• Coordination with banking institutions or third-party providers.

We do not guarantee approval, registration, acceptance, onboarding, or account opening by any government authority, bank, payment institution, telecom regulator, or third-party provider.

All approvals remain subject to independent review processes, compliance checks, enhanced due diligence procedures, and regulatory discretion.

4. Client Due Diligence and Compliance

To comply with international anti-money laundering (“AML”), know-your-customer (“KYC”), counter-terrorist financing (“CTF”), sanctions, and regulatory obligations, we may require identity verification documents and supporting business information before or during service delivery.

You agree to provide requested documentation promptly and acknowledge that delays in providing documentation may delay or prevent service completion.

We reserve the right to:

• Conduct compliance and identity verification checks;
• Request additional documentation at any stage;
• Decline or terminate services where compliance concerns arise;
• Report suspicious or unlawful activity where required by law.

5. Banking Services Disclaimer

Horizons Consultants does not operate as a bank, payment institution, electronic money institution, or financial services provider.

Any assistance relating to USA or UK business bank accounts is limited to administrative onboarding support and coordination with third-party financial institutions.

All banking approvals, account limitations, freezes, closures, transaction monitoring, and compliance decisions are solely determined by the respective financial institution.

We are not liable for:

• Rejected applications;
• Delayed onboarding;
• Account suspensions or closures;
• Transaction restrictions;
• Financial institution compliance decisions.

6. USA Carrier and Telecom Compliance Disclaimer

Our USA carrier compliance services may include assistance relating to telecom regulatory filings, compliance registrations, documentation preparation, and administrative coordination.

We do not guarantee approval or certification by any regulator, registry, telecom authority, or third-party compliance body.

Clients remain fully responsible for ensuring ongoing compliance with all applicable telecommunications laws, carrier obligations, registration requirements, tax obligations, and regulatory frameworks in the jurisdictions where they operate.

7. UK VAT and Companies House Services

UK VAT registration, VAT support, and Companies House filing services are provided based on information supplied by the client.

Clients are solely responsible for:

• The accuracy of submitted information;
• Maintaining statutory records;
• Meeting tax and filing deadlines;
• Complying with applicable UK laws and HMRC requirements.

We are not responsible for penalties, fines, enforcement action, filing rejections, or tax liabilities arising from inaccurate, incomplete, or delayed information provided by the client.

8. Fees, Payments, and Refunds

All fees displayed on our website, quotations, or invoices are subject to change unless confirmed in writing.

Payment is generally required before services commence unless otherwise agreed in writing.

Due to the administrative, consultancy, and compliance nature of our services, certain fees may become non-refundable once work has commenced, documentation has been prepared or submitted, consultations have been delivered, or third-party costs and government-related fees have been incurred.

Refund eligibility is assessed on a case-by-case basis and may depend on the stage of the project, work completed, and third-party expenses already incurred.

We do not guarantee approval, acceptance, certification, registration, or onboarding by any bank, government authority, telecom provider, regulatory body, or third-party institution. Refunds will not be issued for denials, delays, or rejections caused by external institutions or incomplete or inaccurate information provided by the client.

Full details regarding refund eligibility, non-refundable fees, chargebacks, and refund request procedures are available in our Refund Policy.

9. GDPR and Data Protection

We are committed to protecting personal data and processing information in accordance with applicable data protection laws, including:

• The UK General Data Protection Regulation (“UK GDPR”);
• The EU General Data Protection Regulation (“EU GDPR”), where applicable;
• Applicable international privacy and data protection laws.

Personal information collected by us may include identity documents, business records, contact information, compliance documentation, and onboarding materials necessary to deliver our services and comply with legal obligations.

We process personal data only where there is a lawful basis to do so, including:

• Performance of a contract;
• Compliance with legal obligations;
• Legitimate business interests;
• Consent where required.

We implement reasonable technical and organisational measures to safeguard personal data against unauthorised access, misuse, disclosure, or loss.

By using our services, you acknowledge that your information may be shared with government authorities, regulatory bodies, banks, payment providers, compliance vendors, or professional partners where necessary to provide services or comply with legal obligations.

For further information regarding how we collect, process, and protect personal data, please review our Privacy Policy.

10. Confidentiality

We treat client information as confidential and will not disclose confidential information to unauthorised third parties except:

• Where disclosure is necessary to provide services;
• Where disclosure is required by law or regulatory obligation;
• Where disclosure is authorised by the client.

11. Intellectual Property

All website content, branding, graphics, text, designs, documentation templates, and materials are the intellectual property of Horizons Consultants unless otherwise stated.

No content from this website may be copied, reproduced, distributed, modified, or commercially exploited without prior written consent.

12. Limitation of Liability

To the fullest extent permitted by law, Horizons Consultants shall not be liable for:

• Indirect or consequential losses;
• Loss of profits, revenue, opportunity, reputation, or data;
• Third-party decisions or delays;
• Government or regulatory actions;
• Banking or payment institution decisions;
• Service interruptions outside our reasonable control.

Our total aggregate liability relating to any service shall not exceed the amount paid by the client for the specific service giving rise to the claim.

13. Third-Party Services and External Platforms

Our services may involve interaction with third-party platforms, banks, government authorities, registries, software providers, payment processors, and compliance vendors.

We are not responsible for the availability, decisions, security, policies, delays, or actions of third-party providers.

14. Service Timelines

Any timelines provided are estimates only and are not guaranteed.

Processing times may vary due to government authorities, financial institutions, enhanced compliance reviews, public holidays, technical interruptions, or third-party delays beyond our control.

15. Termination

We reserve the right to suspend or terminate services immediately where:

• The client breaches these Terms;
• Required documentation is not provided;
• Fraud, abuse, or unlawful conduct is suspected;
• Continuation of services would expose us to legal or regulatory risk.

16. Governing Law and Jurisdiction

These Terms shall be governed and interpreted in accordance with the laws applicable in the jurisdiction where the relevant service is provided.

Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the competent courts applicable to that jurisdiction unless otherwise required by law.

17. Amendments

We reserve the right to update or modify these Terms at any time to reflect operational, legal, regulatory, or compliance changes.

Updated Terms become effective immediately upon publication on this website unless otherwise stated.

18. Contact Information

If you have questions regarding these Terms, our compliance procedures, or our services, please contact:

Horizons Consultants
Email: info@horizonsconsultants.us
Website: www.horizonsconsultants.us