Terms of Service

Effective date: [EFFECTIVE DATE]

These Terms of Service ("Terms") govern access to and use of Horizon Points, operated by [LEGAL COMPANY NAME] (company number [COMPANY REGISTRATION NUMBER], registered in [JURISDICTION] at [REGISTERED BUSINESS ADDRESS]).

1. Acceptance of terms

By creating an account or purchasing Horizon Points, you agree to these Terms, the Privacy Policy, the Refund Policy, and the Acceptable Use Policy.

2. Minimum age

Customers must be at least [MINIMUM AGE] years old.

3. Account registration & responsibility

You must provide accurate information and are responsible for activity on your account, including safeguarding credentials.

4. Digital-point purchases

Horizon Points are limited, revocable, non-transferable digital credits. Horizon Points are not money, legal tender, cryptocurrency, securities, stored bank funds, or an investment product.

Purchasing Horizon Points does not give the customer ownership, equity, revenue rights, interest, or an expectation of financial gain.

5. Pricing, currencies & taxes

The exact price and currency are shown before checkout. Taxes, if applicable, are calculated at checkout.

6. Point delivery & balance

Points are credited after successful payment confirmation and recorded in a transaction ledger.

7. Permitted uses

Points may be used only for eligible products and services offered through approved participating services listed on the Horizon Points website.

8. Prohibited uses

No cash value, no transfers between users, no resale, no gambling, betting, wagering, cash prizes, sweepstakes, or use outside participating services.

9. Participating services & third-party operators

Some participating services may be operated by separate businesses. Their identity and terms will be displayed before you use points with them.

10. Point deductions & transaction records

Point deductions occur when eligible services are used or when refunds, reversals, or disputes require adjustment. All ledger entries are recorded.

11. Promotions & expiration

Purchased Horizon Points do not expire while the account remains open and in good standing. Promotional credits may have separate rules stated at the time of grant.

12. Refunds & disputes

See the Refund Policy. Contact support before filing a payment dispute.

13. Fraud, restrictions, suspension & termination

Horizon Points may restrict, suspend, or terminate accounts for suspected fraud, breach of these Terms, or legal reasons.

14. Remaining points after closure

Handling of remaining points on account closure is governed by these Terms and applicable law. Contact support for the current process.

15. Service availability & changes to participating services

Availability may change. Participating services may be added or removed.

16. Intellectual property

All Horizon Points branding, software, and content are the property of [LEGAL COMPANY NAME] or its licensors.

17. Privacy & electronic communications

Personal data is handled under the Privacy Policy. Customers consent to receive transactional communications by email.

18. Disclaimers & liability limitations

Horizon Points is provided "as is". To the maximum extent permitted by law, liability is limited as described in these Terms.

19. Indemnification

You agree to indemnify Horizon Points against claims arising from your breach of these Terms or misuse of the service.

20. Governing law & dispute resolution

These Terms are governed by the laws of [JURISDICTION]. Disputes are resolved as described in these Terms.

21. Changes to terms

These Terms may be updated. Continued use after updates constitutes acceptance.

22. Contact

Support: info@horizon-points.com.

These Terms should be reviewed by a qualified lawyer in the company's jurisdiction before launch.