Important — value can go down as well as up. Share values move up and down based on the performance of the underlying property. Horizon does not guarantee any return, and you could get back less than you put in.
01 Acceptance of these terms
By accessing the Horizon Real Estate platform, creating or using an account, or acquiring shares in any property offered through the platform, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the platform.
These terms form a binding agreement between you and Horizon Real Estate ("Horizon", "we", "our", "us").
02 Eligibility
To use the Horizon platform you must:
- Be at least 18 years old.
- Have the legal capacity to enter into binding contracts.
- Complete our verification process, which may include providing proof of identity and proof of address.
- Not be resident in, or operating from, any jurisdiction where accessing a share-based platform of this kind would be unlawful.
- Have been issued a Holder ID by Horizon's onboarding team.
Horizon operates an invitation-only platform. We reserve the right to decline any application at our sole discretion without providing a reason.
03 Your account
Holder ID and login credentials
Every holder receives a unique 10-digit Holder ID. Your password protects day-to-day access to your dashboard. Your 6-digit PIN confirms every action that moves money or changes a holding.
You are responsible for keeping your Holder ID, password, and PIN confidential. Do not share them with anyone. If you believe they have been compromised, contact your account manager immediately.
Accurate information
You agree to provide accurate, complete, and up-to-date information when you apply and whenever we ask you to confirm it. If your details change — address, phone number, bank account, or country of residence — you must notify your account manager promptly.
Activity under your account
Any action taken with your Holder ID, password, or PIN is treated as having been made by you. If someone else accesses your account through your credentials, Horizon will not be liable for resulting losses unless the access was caused by our own negligence.
05 Valuation and performance
Share values are adjusted by Horizon's management based on the performance of the underlying property. Daily changes are published to your dashboard and logged in the property's performance history.
Share values may rise or fall. A rise in the share price benefits you. A fall in the share price is a loss to you. Horizon does not guarantee:
- That the share price will ever increase.
- That you will receive any dividend or profit distribution.
- That you will recover the full amount you invested.
- A specific timeframe for liquidity or exit.
You accept that the value of your holdings is not fixed and may change at any time.
06 Wallet, balance, and profit
Every holder has a wallet with two distinct balances:
- Wallet balance — cash that can be deployed to acquire shares, withdrawn, or left idle.
- Profit balance — realised gains from share sales, set aside separately. You may move your profit balance into your wallet balance at any time.
Your wallet is a bookkeeping record within the Horizon platform. It is not a bank account, and Horizon does not pay interest on idle balances.
07 Deposits
Deposits are processed manually by our team. To deposit funds:
- Choose a payment method and send the funds using the exact details shown.
- Upload proof of payment (receipt, screenshot, or PDF) for bank, wallet, or crypto transfers.
- Wait for our team to review and approve the deposit.
Approved deposits are credited to your wallet balance. Rejected deposits will show a reason on the deposit record. Horizon is not responsible for funds sent to the wrong account, chain, or network due to incorrect details being used.
08 Withdrawals
Withdrawals are drawn from your wallet balance only. If you wish to raise more cash, you must first sell shares — the proceeds will land in your wallet and can then be withdrawn.
Withdrawals are processed manually. Each request:
- Must be confirmed with your 6-digit PIN.
- Must be within the minimum and maximum limits for the payout method you select.
- Is subject to a fee, which is shown to you before you confirm.
- Is reviewed by our team before payout is sent.
You are responsible for the accuracy of the destination details you provide. Once a payout has been sent to a destination you specified, Horizon cannot recover the funds if the destination was incorrect.
09 Site visits
Holders may request site visits to properties they own shares in. Visits are subject to:
- Availability of the site and its management team.
- Advance notice — we ask for at least 48 hours.
- A maximum of three open visit requests per property at any time.
- Compliance with all site safety rules and instructions given by our representative.
Horizon reserves the right to decline or reschedule any visit. If a visit is declined, the reason will be shown on your visit record.
10 Acceptable use
You agree not to:
- Provide false, misleading, or fraudulent information to Horizon at any time.
- Upload falsified proof of payment, forged documents, or fake transaction hashes.
- Attempt to access another holder's account or data.
- Use the platform for money laundering, terrorist financing, or any other unlawful purpose.
- Interfere with the platform's operation, including by attempting to bypass security controls, rate limits, or authentication.
- Resell or transfer your Holder ID to another person.
Breach of this section may result in immediate suspension or termination of your account, and may be reported to the relevant authorities.
11 Suspension and termination
Horizon may suspend or terminate your account at any time, with or without notice, if:
- You breach these terms or our acceptable use rules.
- We are required to do so by law or by a competent authority.
- We have reasonable grounds to suspect fraud, money laundering, or abuse.
- Your verification information becomes invalid or misleading.
If your account is terminated, you may still be entitled to the value of your holdings subject to any legal restrictions, regulatory holds, or outstanding disputes. You should contact your account manager to arrange the orderly wind-down of your positions.
12 Limitation of liability
To the fullest extent permitted by law, Horizon is not liable for:
- Any loss in the value of your shareholdings.
- Any indirect, consequential, or incidental losses arising from your use of the platform.
- Losses caused by events outside our reasonable control.
- Losses caused by your failure to keep your credentials secure, or by funds you sent to incorrect details.
Where liability cannot be excluded, our total liability to you is limited to the total amount you have deposited onto the platform in the twelve months preceding the event giving rise to the claim.
Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited.
13 Changes to these terms
We may update these terms from time to time. When we do, we will update the "Last updated" date at the top of this page. If the changes are material, we will notify you through the platform or by email before they take effect.
Continuing to use the platform after a change takes effect means you accept the updated terms. If you do not agree with a change, you should stop using the platform and contact your account manager to arrange an orderly wind-down of your account.
14 Governing law and disputes
These terms are governed by the laws of the jurisdiction in which Horizon Real Estate is registered, without regard to conflict of law principles.
If a dispute arises, we ask that you contact your account manager first so we can attempt to resolve the matter informally. If we cannot resolve it, the dispute will be subject to the exclusive jurisdiction of the courts of that same jurisdiction.
15 Contact us
If you have any questions about these terms, please contact:
Horizon Real Estate
Available on request