Disclaimer &
Privacy Policy

Disclaimer

Not Regulated Advice

The Platform provides structured analytical tools for decision support only. The Services do not constitute regulated financial services, investment advice, tax advice, accounting services, or legal advice under the Financial Services and Markets Act 2000, the Financial Services Act 2012, or the Legal Services Act 2007. No fiduciary, advisory, or professional-client relationship is created.

Decision Responsibility

All business and financial decisions remain the sole responsibility of the Member. Outputs generated by the Platform are informational and analytical in nature and should not be treated as professional recommendations.

Risk Acknowledgement

The Member acknowledges that business and financial decisions involve inherent risk. Past patterns do not guarantee future outcomes.

Data Accuracy and Input Dependency

Outputs depend on the accuracy, completeness and timeliness of data submitted by the Member. The Operator accepts no liability for decisions based on incomplete or inaccurate inputs.

Limitation of Liability

Subject to applicable law, including the Unfair Contract Terms Act 1977, the Operator shall not be liable for indirect or consequential loss, loss of profits, loss of business, loss of data, or business interruption arising from use of the Platform.

Governing Law

This Disclaimer is governed by the laws of England and Wales.

Privacy Policy

1. Introduction

This Privacy Policy explains how personal data is collected, used, stored and protected when accessing Horizon Suite, operated under the IBeOne brand. This Policy is issued in accordance with:

• UK General Data Protection Regulation (UK GDPR)
• Data Protection Act 2018
• Privacy and Electronic Communications Regulations 2003 (PECR)

2. Data Controller

For the purposes of UK GDPR, the data controller is Horizon Suite / IBeOne.

3. Categories of Personal Data Collected

Account Data: Name, email address, login credentials (encrypted).

Membership Application Data: Company name, role, business sector, revenue range, application responses.

Technical Data: IP address (where logged by hosting or authentication provider), session data, browser type and device information.

Analytical Data: Financial or operational inputs submitted voluntarily by the Member for analysis.

4. Lawful Basis for Processing

Contractual Necessity: Processing necessary for the performance of a contract (membership access and authentication).

Legitimate Interests: Processing necessary to maintain platform security, prevent misuse, and improve analytical integrity.

Legal Obligations: Where required for compliance with applicable UK law.

5. Purpose of Processing

Personal data is processed for: user authentication and login management, email verification, membership application review, secure platform access control, system integrity and fraud prevention, and communication relating to access and membership. The Platform does not sell personal data.

6. Data Retention

Personal account data is retained while membership remains active. Analytical input data submitted for processing is retained for a maximum of 30 days and then deleted. Data may be retained longer where required by law or for legitimate legal defence.

7. Data Security

Appropriate technical and organisational measures are implemented, including encrypted authentication, password hashing, role-based access control, secure hosting infrastructure, and restricted administrative access. No system can guarantee absolute security.

8. International Data Transfers

Where service providers process data outside the United Kingdom, appropriate safeguards are implemented, including Standard Contractual Clauses, adequacy decisions, and contractual safeguards compliant with UK GDPR.

9. Use of Service Providers

The Platform uses third-party infrastructure providers for authentication, database hosting, and website hosting. Such providers process data only in accordance with contractual obligations and applicable data protection law.

10. Automated Decision-Making

The Platform does not conduct automated decision-making producing legal or similarly significant effects within the meaning of Article 22 UK GDPR. Membership approval decisions are reviewed manually.

11. Cookies and Similar Technologies

The Platform may use essential technical cookies necessary for authentication and session management. No advertising or tracking cookies are used for profiling purposes. Where non-essential cookies are introduced in the future, consent mechanisms will be implemented in accordance with PECR.

12. Member Rights

Under UK GDPR, individuals have the right to: access their personal data, rectify inaccurate data, erase personal data (where applicable), restrict processing, object to processing, data portability, and withdraw consent (where applicable).

13. Complaints

If you believe your data has been processed unlawfully, you may lodge a complaint with the Information Commissioner's Office (ICO) at https://ico.org.uk.

14. Changes to This Policy

This Privacy Policy may be updated periodically. The latest version will always be published on the Platform.