Terms of Service

1. Acceptance of terms

By accessing or using horitong.com (the "Website"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Website.

2. Nature of our content

horitong publishes general, educational content about investment strategy topics such as diversification, risk and time horizon. Content is intended to help readers understand concepts and terminology, not to direct any individual investment decision.

Nothing on this Website constitutes financial, investment, tax, or legal advice, and it should not be relied upon as such. Nothing on this Website is a recommendation to buy, sell, or hold any specific security or financial product. You should consult a qualified professional before making any investment decision.

3. No paid products or services

horitong does not sell, broker, or promote any financial product, fund, account, subscription, or paid service of any kind. Any resemblance between our informational content and a commercial offer is unintentional, and we encourage you to contact us if you believe otherwise.

4. Acceptable use

You agree to use the Website only for lawful purposes. You must not attempt to interfere with the proper functioning of the Website, gain unauthorised access to it, or use automated means to extract content at scale without our prior written permission.

5. Intellectual property

Unless otherwise noted, the text, layout, and design of this Website are owned by horitong and protected by applicable intellectual property laws. You may read and share links to our content for personal, non-commercial purposes. Reproducing substantial portions of our content elsewhere without permission is not permitted.

6. Third-party links

Our content may link to third-party websites for reference. We do not control and are not responsible for the content, accuracy, or practices of any third-party website, and inclusion of a link does not imply endorsement.

7. Disclaimer of warranties

The Website and its content are provided "as is" without warranties of any kind, express or implied. While we take care to keep information accurate and current, we do not guarantee that all content is free of errors or fully up to date at all times. Markets are inherently uncertain, and general educational discussion of strategy is not a prediction of outcomes.

8. Limitation of liability

To the extent permitted by law, horitong shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or reliance on, the Website or its content, including any investment decision made based on information found here.

9. Changes to these terms

We may revise these Terms of Service from time to time. Updates will be posted on this page with a revised "last updated" date. Continued use of the Website after changes are posted constitutes acceptance of the revised terms.

10. Governing law

These Terms of Service are governed by the laws of Switzerland, without regard to its conflict of law provisions, unless otherwise required by mandatory local law applicable to you.

11. Contact us

Questions about these Terms of Service can be sent to info@horitong.com.