Terms of Service

By accessing or using the Platform, you: (a) acknowledge that you have read and understood these Terms; (b) agree to be bound by them; and (c) consent to receive communications from us electronically. You agree that electronic agreements, notices, and disclosures satisfy any legal requirement that such communications be in writing. This consent covers notices, disclosures, and service messages related to your use of the Platform. It does not cover marketing calls, text messages, or WhatsApp messages, which we send only with your separate consent under Section 28.

You represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity and authority to enter into this agreement
• Your use of the Platform will comply with all applicable laws and regulations in your jurisdiction
• All information you provide to us is and will remain accurate, current, and complete

If you are using the Platform on behalf of a business or organization, you represent that you have full authority to bind that entity to these Terms, and references to "you" include both you individually and that entity.

These Terms apply to the Horizon Atlas public website at horizonatlas.ai, including our booking pages, Provider request forms, and legal pages; to the Horizon Atlas application; and to the optional paid services we offer, including Move Pass access (Section 25), Horizon Atlas Concierge Services (Section 26), and Relocation Planning Sessions (Section 27). Where we ask you to accept these Terms during signup, at checkout, or when you engage a paid service, your acceptance is a binding electronic signature.

Horizon Atlas is a global life navigation platform that provides:

• Country and destination research, discovery, and comparison tools
• Cost of living analysis and relocation planning resources
• AI-powered guidance, personalized recommendations, and decision support
• Community discussions, forums, peer networking, and knowledge sharing
• A Provider Network where you can ask Horizon Atlas to match and introduce you to independent third-party service providers
• Optional paid Move Pass access to expanded Platform features, on a one-time, non-renewing basis
• Horizon Atlas Concierge Services, a separate paid relocation coordination service
• Relocation Planning Sessions, paid one on one planning consultations
• Checklist tools, budget modeling, logistics planning, and Global Essentials recommendations

The Platform is intended to provide information, tools, and general guidance only. Nothing on the Platform constitutes legal, financial, immigration, tax, medical, or professional advice of any kind. All decisions related to international relocation, travel, or financial planning should be made in consultation with appropriately licensed professionals. We expressly disclaim any liability for decisions made in reliance on Platform content without independent professional verification.

2.1 No Fiduciary or Advisory Relationship

USE OF THE PLATFORM DOES NOT CREATE ANY FIDUCIARY, AGENCY, PARTNERSHIP, JOINT VENTURE, ADVISORY, BROKER, COUNSEL, OR SIMILAR RELATIONSHIP BETWEEN HORIZON ATLAS AND ANY USER. Horizon Atlas is a technology platform. It is not acting as your advisor, agent, representative, or fiduciary in any capacity. Horizon Atlas does not owe you any duty of loyalty, best-interests obligation, or duty of care beyond what is expressly stated in these Terms. Nothing in the Platform's design, features, AI outputs, recommendations, or marketing materials should be interpreted as creating such a relationship. You are solely responsible for your own decisions and their consequences.

This applies equally to Horizon Atlas Concierge Services. Concierge coordinates planning, introductions, and logistics for your move, but it does not make Horizon Atlas or any Horizon Atlas team member your attorney, immigration representative, tax advisor, financial advisor, agent, or fiduciary.

2.2 No Employment, Placement, or Sponsorship Services

Horizon Atlas is not an employment agency, staffing firm, recruiter, job placement service, immigration sponsor, visa sponsor, educational placement agency, housing placement service, or financial services provider. The Platform does not offer, facilitate, or guarantee employment, job placement, work authorization, visa sponsorship, educational enrollment, housing placement, or financial services of any kind. Any Providers listed on the Platform who offer such services do so entirely independently of Horizon Atlas. References on the Platform to employment opportunities, schools, relocation consultants, or similar services are informational only and do not constitute a placement, guarantee, or engagement by Horizon Atlas. Introductions to Providers are addressed in Section 13, and Concierge Services are addressed in Section 26.

This section requires your specific attention.

International relocation involves complex legal, regulatory, financial, and personal considerations that vary significantly by country and individual circumstance. The Platform provides general information about countries, visas, cost of living, and relocation processes. This information:

• May not be current, complete, or accurate for your specific situation
• Does not constitute immigration advice or legal counsel
• Does not create any attorney-client, advisor-client, or fiduciary relationship
• May not account for recent changes in laws, regulations, or government policies
• May differ from your actual experience based on your nationality, circumstances, and timing

YOU ARE SOLELY RESPONSIBLE FOR INDEPENDENTLY VERIFYING ALL INFORMATION BEFORE TAKING ANY ACTION. This responsibility includes, without limitation, verifying:

• Visa requirements and eligibility for your specific nationality and circumstances
• Residency requirements, conditions, and pathways for your target country
• Tax obligations in both your origin country and destination country, including any applicable treaty provisions
• Healthcare requirements, insurance obligations, and access conditions
• Banking regulations, currency controls, and financial access requirements
• Real estate regulations, foreign ownership restrictions, and purchase requirements
• Education requirements and accreditation standards for any schools or qualifications
• Employment eligibility, work permit requirements, and professional licensing

Verification should be conducted through official government sources and with the assistance of appropriately licensed professionals, including immigration attorneys, tax advisors, and financial planners. Horizon Atlas is not responsible for relocation outcomes, visa denials, financial losses, or any other consequences arising from decisions made based on Platform content without independent professional verification.

These limits apply to Concierge Services and to every Provider introduction. Any legal, immigration, tax, or financial advice you receive in connection with your move comes only from independent, licensed Providers who engage with you directly. It does not come from Horizon Atlas, its Concierge team, or the Platform.

Horizon Atlas makes no guarantees of any kind regarding outcomes.

Horizon Atlas does not guarantee, represent, or warrant that any user will:

• Successfully relocate to any country
• Obtain any visa, permit, or residency approval
• Secure housing, employment, or educational enrollment
• Achieve any reduction in cost of living
• Obtain citizenship or permanent residency
• Achieve any tax advantage or financial benefit
• Improve quality of life, safety, health outcomes, or personal circumstances
• Successfully complete any stage of the international relocation process
• Receive a positive response from any government authority, provider, or institution
• Achieve any particular result, approval, or timeline through Concierge Services, a Move Pass, a Provider request, or any Provider

The Platform provides information and tools to support your decision-making. Outcomes depend entirely on your individual circumstances, the decisions you make, government policies, third-party providers, and other factors entirely outside Horizon Atlas's control. Your use of the Platform does not create any guarantee, assurance, or promise of any specific result.

This disclaimer applies regardless of any general statements about the benefits of international living that may appear in our marketing materials, community content, or anywhere on the Platform.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT INTERNATIONAL RELOCATION, IMMIGRATION, CROSS-BORDER INVESTMENT, TRAVEL TO FOREIGN COUNTRIES, AND RELATED FINANCIAL AND LEGAL ACTIVITIES INVOLVE INHERENT RISKS. These risks include, without limitation:

• Denial of visa, residency, or citizenship applications
• Changes in government policy, tax law, or immigration regulations
• Political instability, civil unrest, or changes in the legal or regulatory environment of destination countries
• Currency fluctuations, financial loss, and changes in cost of living
• Language and cultural barriers
• Loss of access to home-country benefits, social services, or professional licenses
• Unexpected costs, delays, or complications in the relocation process
• Health, safety, or security risks in destination countries

By using the Platform, you voluntarily assume all risks associated with decisions made using Platform information, tools, community content, AI outputs, or Provider recommendations. Horizon Atlas shall not be liable for any losses, damages, or adverse outcomes arising from your assumption of these risks.

Information on the Platform regarding government policies, visa programs, tax regimes, residency pathways, citizenship programs, healthcare systems, real estate regulations, banking requirements, and other regulatory matters may become outdated, inaccurate, or inapplicable at any time without notice.

GOVERNMENT POLICIES, VISA PROGRAMS, TAX REGIMES, RESIDENCY PATHWAYS, CITIZENSHIP PROGRAMS, HEALTHCARE SYSTEMS, AND REGULATORY REQUIREMENTS CHANGE FREQUENTLY AND SOMETIMES WITHOUT ADVANCE PUBLIC NOTICE. Horizon Atlas does not warrant that any information on the Platform reflects current law, policy, or practice in any jurisdiction.

You are solely responsible for confirming the current status of all regulatory and policy information through official government sources before taking any action. Horizon Atlas expressly disclaims any liability for losses or adverse outcomes caused by changes in government policy or regulatory requirements after the publication of relevant Platform content.

7.1 Registration

To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to promptly update it as necessary to keep it accurate.

7.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized access to or security breach of your account by contacting us at info@horizonatlas.ai. We are not liable for any loss or damage arising from unauthorized use of your account.

7.3 One Account Per Person

You may maintain only one account. Creating multiple accounts to circumvent restrictions or bans is prohibited and may result in permanent termination of all associated accounts.

7.4 Account Inactivity

If your account has been inactive for 24 consecutive months, we may notify you and, if no response is received, deactivate your account. Personal data associated with deactivated accounts will be handled as described in our Privacy Policy.

7.5 Suspension and Termination

We reserve the right to suspend, restrict, or permanently terminate your account at our sole discretion, without prior notice, for any reason including violations of these Terms, fraudulent or abusive behavior, or conduct harmful to other users or to the Platform. Upon termination, your right to access the Platform ceases immediately.

7.6 Right to Refuse Service

Horizon Atlas reserves the right to refuse service to any person or entity at any time for any lawful reason, with or without cause, and with or without notice. This right includes, without limitation, the right to decline service to: individuals or entities who engage in abusive, harassing, or disruptive behavior toward staff or other users; competitors, data aggregators, or other parties who access the Platform for purposes inconsistent with its intended use; individuals or entities subject to applicable sanctions, export controls, or legal restrictions; Providers or prospective Providers who do not meet our network standards; and any user who generates disproportionate operational or support burden. Exercise of this right does not entitle any user to compensation, refund (except as required by law), or explanation.

You agree not to use the Platform to:

• Engage in any unlawful activity or violate any applicable local, national, or international law or regulation
• Post content that is false, misleading, defamatory, obscene, harassing, threatening, or otherwise harmful
• Harass, stalk, intimidate, or harm other users
• Discriminate against or demean any person based on race, ethnicity, national origin, gender, religion, disability, sexual orientation, or any other protected characteristic
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Attempt to reverse engineer, decompile, disassemble, or extract source code from the Platform
• Scrape, harvest, or systematically extract data from the Platform without our express written consent
• Use bots, scripts, crawlers, or other automated tools to access or interact with the Platform
• Upload malicious code, viruses, or any content that could compromise Platform security or user data
• Circumvent, disable, or interfere with any security, access control, or rate-limiting features
• Use the Platform to send unsolicited commercial messages or spam
• Interfere with or disrupt the integrity or performance of the Platform or its infrastructure
• Collect or store personal data about other users without their consent

9.1 Your Content

You retain ownership of content you submit to the Platform, including community posts, reviews, ratings, relocation stories, and other contributions ("User Content"). By submitting User Content, you grant Horizon Atlas a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, distribute, publicly display, publicly perform, modify, adapt, and create derivative works from your User Content in connection with operating, improving, and promoting the Platform and its data products.

9.2 Content Standards

You represent and warrant that: (a) you own or have the necessary rights to your User Content; (b) your User Content does not infringe any third-party intellectual property, privacy, or publicity rights; and (c) your User Content complies with all applicable laws and these Terms.

We reserve the right, but not the obligation, to review, edit, or remove any User Content that we determine, in our sole discretion, violates these Terms or is otherwise harmful, offensive, inaccurate, or inappropriate. Removal of content does not constitute a waiver of any other right or remedy.

9.3 Reviews and Ratings

Reviews, ratings, and community feedback published on the Platform reflect the opinions and experiences of individual users only. They do not represent the views, endorsements, or opinions of Horizon Atlas. Horizon Atlas does not verify the accuracy of user reviews and makes no representation as to their completeness, reliability, or impartiality. Users and Providers who believe a review contains false, defamatory, or unlawful content may report it to us at info@horizonatlas.ai for review.

9.4 Feedback and Suggestions

If you provide Horizon Atlas with feedback, ideas, suggestions, or recommendations regarding the Platform ("Feedback"), you assign to us all rights in such Feedback and agree that we may use it for any purpose without restriction or compensation to you. Feedback is not treated as confidential.

9.5 AI Training Rights

User Content, Platform interaction data, search behavior, planning activity, community contributions, and Feedback may be used by Horizon Atlas to train, evaluate, test, improve, and develop artificial intelligence models, machine learning systems, recommendation engines, ranking algorithms, predictive systems, and other automated technologies, both for use within the Platform and for our broader data and AI product development. This right is granted as part of your license to Horizon Atlas under Section 9.1 and is separate from our data commercialization activities described in Section 11.

9.6 Community Intelligence

Your contributions to community discussions, country reviews, provider ratings, and similar features may be used to improve the Platform's intelligence and recommendations. Contributions may be anonymized and incorporated into our aggregated data assets.

9.7 Community Content Reliance Disclaimer

Community content on the Platform — including forum posts, relocation stories, expat discussions, user-submitted tips, country recommendations, neighborhood commentary, and any other content contributed by users — is provided solely by individual users based on their personal experiences and opinions. Horizon Atlas does not author, verify, validate, moderate in real time, or endorse community content. Community content may be inaccurate, incomplete, biased, outdated, misleading, or inconsistent with your circumstances. You should independently verify all information obtained from community content through official sources and qualified professionals before relying on it for any decision. Horizon Atlas expressly disclaims all liability arising from your reliance on community content.

Horizon Atlas incorporates artificial intelligence and machine learning features that generate guidance, recommendations, destination comparisons, budget estimates, checklist suggestions, and other content. You acknowledge and agree that:

• AI-generated outputs are produced algorithmically and may contain factual inaccuracies, errors, omissions, or misleading information
• AI systems may misinterpret user input and generate responses that do not accurately reflect your circumstances or query
• AI outputs may reflect outdated information and may not account for recent changes in laws, policies, costs, or conditions in any country
• AI outputs may be inconsistent across sessions and may produce different results for the same or similar inputs
• AI recommendations are for informational and general guidance purposes only and do not constitute professional advice of any kind
• AI outputs do not account for your specific personal, financial, legal, or family circumstances
• AI-generated content should never be treated as authoritative, final, or relied upon without independent verification from official sources and qualified professionals
• You are solely responsible for any decisions made based on AI-generated content

Horizon Atlas expressly disclaims any liability for losses, damages, or adverse outcomes arising from reliance on AI-generated content without independent verification.

10.1 Rankings, Scores, and Comparative Analyses

Rankings, scores, ratings, suitability assessments, match percentages, recommendations, and comparative analyses generated by the Platform — including country rankings, neighborhood comparisons, cost-of-living scores, safety indices, healthcare ratings, provider rankings, and similar outputs — are subjective, algorithm-generated informational tools only. They do not constitute factual statements, guarantees, professional endorsements, or advice of any kind. They reflect data and weightings available at the time of generation and may not be current, complete, or applicable to your circumstances. You should not rely on any ranking or score as a basis for any relocation, financial, legal, or lifestyle decision without independent research and professional guidance.

Please read this section carefully. It describes how your data may be used commercially and forms a material part of the consideration exchanged under these Terms.

11.1 Data We Collect

In addition to account and profile information, we collect behavioral and preference data generated through your use of the Platform, including:

• Countries, cities, and destinations you search, view, save, compare, or select
• Relocation preferences, lifestyle priorities, and decision criteria you enter
• Budget inputs and financial planning data
• Checklist completion patterns and planning milestone activity
• Community contributions including posts, reviews, and ratings
• Provider interactions and network engagement
• Information you submit in Provider requests, Concierge consultation bookings, and Concierge engagements
• Platform engagement patterns, session data, and feature usage
• Migration intent signals and destination preference trends

11.2 Aggregated and Anonymized Data

We aggregate and anonymize user data to generate insights and trend reports. This aggregated data does not personally identify you and cannot reasonably be used to re-identify you. Examples include migration trend data, destination popularity rankings, neighborhood and lifestyle preference patterns, international school and service demand data, and relocation decision timeline benchmarks.

11.3 Commercial Data Use

Horizon Atlas's business model includes the development and commercialization of proprietary data assets derived from aggregated, anonymized user behavior. By using the Platform, you acknowledge and agree that we may:

• Sell, license, or otherwise make available aggregated, anonymized trend reports and datasets to third-party platforms, companies, and organizations, including travel platforms, hospitality companies, real estate firms, financial institutions, government economic development agencies, and academic or policy research organizations
• License the Horizon Atlas data layer as an ongoing data product to enterprise partners
• Develop and sell proprietary research reports, intelligence products, and market analyses derived from aggregate Platform behavior
• Use aggregated insights to enhance provider recommendations and network targeting within the Platform

We will never sell your personally identifiable information — such as your name, email address, or account credentials — to third parties for their own marketing purposes, except as required by law or as part of a business transfer described in our Privacy Policy.

11.4 Your Opt-Out Rights

You may opt out of contributing to our commercial aggregated data pool at any time by contacting us at info@horizonatlas.ai or through your account data preferences settings. Opting out may limit certain personalized features. Opting out does not affect data that has already been anonymized and incorporated into existing datasets.

11.5 GDPR Legitimate Interests

For users in the European Economic Area or United Kingdom, our commercial data activities are grounded in our legitimate business interests in developing a sustainable platform and data product, balanced against your rights. Where required by GDPR, we rely on your explicit consent for commercial data processing beyond operational necessity. Full details are in our Privacy Policy.

All content, features, and functionality of the Platform — including text, graphics, logos, icons, software, algorithms, data models, AI systems and outputs, platform architecture, and the Horizon Atlas brand — are owned by or licensed to Horizon Atlas and are protected by copyright, trademark, trade secret, and other applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial purposes in accordance with these Terms. No other rights are granted.

You may not reproduce, modify, distribute, publicly display, sell, create derivative works from, or otherwise exploit any Platform content or features without our express prior written permission. Any unauthorized use automatically terminates the license granted above.

The Horizon Atlas name, logo, tagline "Explore Life Beyond Borders," and all related marks are proprietary marks of Horizon Atlas. Nothing in these Terms grants you any right to use our marks without prior written consent.

12.1 Ownership of Derived Data and Insights

Aggregated datasets, anonymized behavioral data, derivative works, analytics outputs, benchmarks, statistical models, migration trend reports, destination intelligence reports, ranking methodologies, scoring systems, and all other insights, analyses, or data products generated by Horizon Atlas from Platform data — whether derived from user interactions, community content, network activity, AI processing, or any combination thereof — are and shall remain the exclusive property of Horizon Atlas. These assets constitute the core proprietary data moat of the Platform and are protected as trade secrets and proprietary business assets in addition to any applicable intellectual property protections.

Your use of the Platform does not grant you any ownership interest in, license to, or right to access these derived data assets. The fact that your interactions contributed to their creation does not entitle you to any share of, compensation from, or right to the commercial exploitation of these assets.

12.2 Ownership of AI Outputs and Model Improvements

AI-generated outputs provided to you through the Platform are made available for your personal, non-commercial use in connection with your use of the Platform only. Horizon Atlas retains all rights, title, and interest in and to: (a) the underlying AI and machine learning models, systems, methodologies, architectures, and training data; (b) all derivative improvements, fine-tuning, and model enhancements generated through user interactions, feedback, and Platform activity; and (c) all proprietary planning agents, recommendation engines, ranking systems, and predictive models developed or improved through Platform operation. You may not use AI outputs to train competing models, build competing products, or for any commercial purpose without our express written consent.

13.1 Nature of the Network

The Provider Network features independent third-party service providers including immigration lawyers, relocation consultants, real estate professionals, insurance brokers, international schools, tax advisors, and others ("Providers"). These Providers are entirely independent of Horizon Atlas.

Horizon Atlas does not employ, guarantee, or assume any responsibility for any Provider or their services, advice, or conduct. Horizon Atlas may feature, rank, prioritize, suggest, or introduce Providers, including by matching a Provider to your stated needs or through an introduction made by a Horizon Atlas team member, and may do so based in part on the commercial relationships described in Section 13.2. Any such featuring, ranking, suggestion, or introduction is offered for your convenience only and is not a guarantee, warranty, or assurance of any Provider's qualifications, quality, suitability, or results; you remain solely responsible for deciding whether to engage any Provider. Horizon Atlas may, in its sole discretion, perform limited credential checks or background reviews of certain Providers as part of its network curation process; however, Horizon Atlas does not guarantee the validity, current status, accuracy, completeness, or ongoing compliance of any Provider's credentials, licensure, qualifications, or representations. Any such checks, if performed, are conducted for our own internal purposes only and do not create any duty of care to users or any warranty regarding Provider qualifications. The inclusion of a Provider in the network does not constitute a warranty of any kind.

Any agreements, transactions, or disputes between you and a Provider are solely between you and that Provider. Horizon Atlas is not a party to such agreements and shall not be liable for any losses, damages, claims, injuries, or disputes arising from your engagement with any Provider. USERS ARE SOLELY RESPONSIBLE FOR INDEPENDENTLY VERIFYING ANY PROVIDER'S CREDENTIALS, LICENSURE, INSURANCE COVERAGE, REFERENCES, AND SUITABILITY BEFORE ENGAGING THAT PROVIDER. Horizon Atlas's network curation activities do not substitute for your own independent due diligence.

13.2 Compensation and Affiliate Disclosure

IMPORTANT DISCLOSURE: Horizon Atlas may receive compensation in connection with the Provider Network and other Platform features. This compensation may include:

• Fees you pay Horizon Atlas for Concierge Services under Section 26, and, where applicable, arrangements between Horizon Atlas and the Providers who work on a Concierge engagement
• Referral fees or commissions paid by Providers when users contact, are introduced to, or engage with them through the Platform
• Network listing fees, placement fees, or subscription fees paid by Providers
• Affiliate commissions earned when users click links to or purchase products or services from third parties featured on the Platform, including eSIM providers, international banking services, insurance providers, and other Global Essentials partners
• Sponsorship fees paid by Providers or partners for featured placement, promotional content, or enhanced visibility on the Platform
• Revenue sharing arrangements with partners whose products or services are recommended through our AI-powered Global Essentials features

The existence of a commercial relationship between Horizon Atlas and a Provider or partner does not affect the objectivity of community-contributed reviews and ratings, which reflect the independent opinions of Platform users. However, featured placement, ordering, and prominence of Provider listings, and any Provider introduced or suggested to you, may be influenced by commercial relationships. You should consider this when evaluating any recommendation made on the Platform.

We are not responsible for disclosing the specific terms of any individual commercial relationship with any Provider. If you have questions about whether a specific recommendation involves compensation, contact us at info@horizonatlas.ai.

13.3 Network Integrity and Circumvention

To maintain the integrity of the Provider Network and protect the commercial relationships that sustain the Platform, you agree that:

• You will not knowingly circumvent or attempt to circumvent the Provider Network to conduct business with a Provider introduced to you through the Platform outside of the Platform's referral or inquiry systems, where such circumvention is designed to avoid fees or commissions owed to Horizon Atlas
• Horizon Atlas may use referral tracking technologies, inquiry identifiers, and other reasonable methods to track introductions made through the Platform
• Providers who accept introductions through the Platform and complete transactions with users outside the Platform in circumvention of applicable network fee arrangements may be removed from the Platform and subject to additional remedies

This section applies only where circumvention is intentional and designed to avoid fees. It does not restrict your ability to engage directly with any Provider you located independently of the Platform.

13.4 Third-Party Links

The Platform may contain links to external websites and third-party services. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

13.5 Provider Requests, Matching, and Introductions

Any logged-in user, including users on the free tier, may submit a request through the Provider Network request form. You do not need a Move Pass to submit a request or to receive an introduction. Submitting a request is free. Horizon Atlas does not charge you for the request or for the introduction.

When you submit a request, you may describe the service you need, your destination, your timeline, and other details you choose to share. A member of the Horizon Atlas team reviews your request and may match you with one or more Providers in the network and make a personal introduction, usually by email. By submitting a request, you authorize us to share your request details and relevant profile information with the Providers we consider for your match, as described in Section 6.2 of our Privacy Policy.

Providers are reviewed before we feature or introduce them, which is sometimes described on the Platform as vetting. Our review is limited, is conducted for our own purposes, and is subject to Section 13.1. It is not a warranty of any Provider's qualifications, licensure, quality, or results.

We do not promise that every request will be matched, that any Provider will respond or be available, or that a response will arrive within any particular time. We may decline a request, ask you for more information, or limit the number of requests that can be submitted in a given period to prevent abuse.

Unless you engage a Provider through Concierge under Section 26, Providers set their own fees and terms, and you contract with the Provider directly. You are never obligated to engage a Provider we introduce. Any engagement is solely between you and that Provider, and Section 13.1 applies to it.

13.6 Legal Services Are Provided by the Provider

Horizon Atlas is not a law firm and does not provide legal services. Any legal service is provided exclusively by the Provider under its own engagement agreement with the User, which governs the service, its fees, and the resolution of any dispute. Horizon Atlas is not a party to that agreement, has no participation in the service, and does not act on behalf of the Provider. Where Horizon Atlas collects a Provider's fee from you as your payment agent in a Concierge engagement, it does so only as payment agent, and the fee remains governed by the Provider's engagement agreement.

Horizon Atlas is a growing platform that continuously develops and releases new features and capabilities. Certain features may be designated or described as beta, pilot, experimental, preview, early-access, or similar terms (collectively, "Beta Features"). You acknowledge and agree that:

• Beta Features are provided for testing and evaluation purposes and may not be complete, stable, or fully functional
• Beta Features may contain bugs, inaccuracies, interruptions, data loss, or other errors
• Beta Features may be modified, suspended, or discontinued at any time without notice
• Beta Features should not be relied upon for any critical or time-sensitive relocation, immigration, or financial decision
• Horizon Atlas expressly disclaims all warranties with respect to Beta Features to the fullest extent permitted by law

Your feedback on Beta Features is valuable to us and is governed by Section 9.4 of these Terms.

The Platform is subject to the export control laws and regulations of the United States and other applicable jurisdictions. By using the Platform, you represent and warrant that:

• You are not located in, ordinarily resident in, or a national of any country or territory subject to comprehensive U.S. trade sanctions or embargoes, including but not limited to Cuba, Iran, North Korea, Syria, Russia (to the extent applicable), and the Crimea, Donetsk, and Luhansk regions
• You are not listed on, and are not owned or controlled by any person or entity listed on, the U.S. Treasury Department's Specially Designated Nationals and Blocked Persons List (SDN List), the U.S. Commerce Department's Entity List, or any other applicable sanctions or restricted party list
• You will not use the Platform in any manner that would cause Horizon Atlas to violate applicable export control laws, trade sanctions, or embargo regulations

We reserve the right to restrict or terminate access to the Platform for any user located in a sanctioned country or who we determine to be in violation of applicable export control or sanctions laws, without notice and without liability.

We do not warrant or guarantee that the Platform will be available at all times or without interruption, errors, or delays. The Platform may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue the Platform or any feature at any time without notice or liability.

Horizon Atlas shall not be liable for any failure or delay in performing its obligations under these Terms to the extent caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, civil unrest, government action, internet outages, power failures, third-party service provider failures, or any other event beyond our reasonable control. In such circumstances, our obligations will be suspended for the duration of the force majeure event.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HORIZON ATLAS EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING:

• Accuracy, completeness, timeliness, or reliability of any information or content on the Platform
• Fitness for a particular purpose or merchantability
• Non-infringement of third-party rights
• Uninterrupted, secure, or error-free access to the Platform
• Results or outcomes from using the Platform or acting on its content

HORIZON ATLAS DOES NOT WARRANT THAT (A) THE PLATFORM WILL MEET YOUR REQUIREMENTS; (B) ANY ERRORS WILL BE CORRECTED; OR (C) ANY RELOCATION, TRAVEL, VISA, RESIDENCY, CITIZENSHIP, FINANCIAL, OR QUALITY-OF-LIFE OUTCOME WILL RESULT FROM USE OF THE PLATFORM.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HORIZON ATLAS, ITS OWNER, AFFILIATES, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ANTICIPATED SAVINGS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO USE THE PLATFORM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

You agree to indemnify, defend (at our option), and hold harmless Horizon Atlas and its owner, affiliates, officers, agents, employees, and licensors from and against any and all claims, demands, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of or access to the Platform; (b) your User Content; (c) your violation of these Terms; (d) your violation of any applicable law or regulation; or (e) your infringement of any third-party rights. We reserve the right to assume exclusive control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Texas, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

For users located in jurisdictions with mandatory local law protections (including EU member states and the United Kingdom), nothing in these Terms limits rights you are entitled to under applicable mandatory local consumer protection laws.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

22.1 Informal Resolution First

Before initiating any formal dispute, you agree to contact us at info@horizonatlas.ai and provide a written description of the dispute, your requested relief, and your contact information. We will attempt to resolve the dispute informally within 30 days of receipt.

22.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except as set forth below. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

22.3 Exceptions to Arbitration

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or to protect confidential information. Small claims court actions within applicable monetary limits are also excluded from arbitration.

22.4 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION, AND TO HAVE DISPUTES RESOLVED AS A CLASS. ARBITRATION SHALL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS.

22.5 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, BOTH YOU AND HORIZON ATLAS WAIVE THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE ARISING FROM OR RELATING TO THESE TERMS OR THE PLATFORM.

22.6 Opt-Out Right

You may opt out of the arbitration agreement by sending written notice to info@horizonatlas.ai within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.

The Platform is operated from the United States. If you access the Platform from outside the United States, you do so at your own initiative and are responsible for compliance with local laws and regulations, including but not limited to import/export regulations, data protection laws, and consumer protection rules applicable in your jurisdiction.

By using the Platform, you consent to the collection, transfer, storage, and processing of your information in the United States and in other countries where we or our service providers operate. These countries may have data protection standards that differ from those in your home country.

For EEA and UK users: We rely on appropriate legal transfer mechanisms, including Standard Contractual Clauses, for transfers of personal data outside the EEA/UK. Additional GDPR rights are described in our Privacy Policy.

For Australian users: Horizon Atlas complies with the Australian Privacy Act 1988 and the Australian Privacy Principles to the extent applicable.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by: (a) updating the "Last Updated" date at the top of this document; (b) sending an email notification to registered users; or (c) displaying a prominent in-app notice. Changes take effect on the effective date stated in the notice.

Your continued use of the Platform after the effective date of any revision constitutes your acceptance of the modified Terms. If you do not agree to the revised Terms, you must stop using the Platform and may close your account.

Please read this section carefully. It describes how paid access to the Platform works, including how charges are processed, how access periods are calculated, and what happens to your data after a paid period ends.

25.1 Nature of the Move Pass

Horizon Atlas offers optional paid access, called a "Move Pass," available in 30-day, 60-day, and 90-day durations. Each Move Pass is a single, one-time purchase that grants access to specified Platform features for the stated number of days from the date of purchase. A Move Pass is not a subscription and does not renew, recur, or automatically rebill under any circumstances. Each Move Pass purchase, including any subsequent purchase made after a prior Move Pass expires, is a separate, affirmative transaction initiated by you.

A Move Pass is separate from, and is not required for, Concierge Services (Section 26) or a Provider request (Section 13.5). The features included with a Move Pass are described on the Platform at the time of purchase and may be updated over time. They currently include expanded country saves in the Atlas, full Decisions reasoning, and the Actions tools. Free accounts keep access to the features we make available at no charge, including the Provider Network request form.

25.2 Payment Processing

Move Pass payments are processed by Stripe, Inc. ("Stripe"), a third-party payment processor. Stripe's role is limited to processing the payment for the Move Pass price at the time of purchase; Stripe does not manage, calculate, or control your access period. Horizon Atlas independently tracks and administers the start date, duration, and expiration of your Move Pass entitlement within the Platform, separately from any record Stripe maintains of the underlying transaction. We do not store your full payment card details; see our Privacy Policy for more information on payment data handling.

You may choose a Move Pass before you create an account. In that case, checkout begins only after you create your account and accept these Terms and our Privacy Policy, and you are charged only when you complete payment at checkout. If you cancel or close checkout, no Move Pass is purchased and you are not charged.

25.3 Access Period and Expiration

Your Move Pass entitlement begins immediately upon successful payment and expires automatically at the end of the purchased 30-day, 60-day, or 90-day period. Upon expiration, your access to Move Pass features ends and your account reverts to the features available under our free tier. Your account data, saved countries, comparisons, budget inputs, checklist progress, and other information you entered while your Move Pass was active are retained and are not deleted upon expiration. If you purchase a subsequent Move Pass, you will regain access to that previously entered data within the features unlocked by the new Move Pass.

If you purchase another Move Pass while one is still active, the new days are added to the end of your current access period rather than replacing it, so you do not lose days you have already purchased. Each purchase remains a separate transaction.

25.4 Renewal and Continued Access

There is no automatic renewal of a Move Pass. To continue accessing Move Pass features, either before or after expiration, you must complete a new, separate purchase of a 30-day, 60-day, or 90-day Move Pass at the price then in effect. We will send you an email notice approximately seven (7) days before your Move Pass is scheduled to expire, and you may receive periodic in-app or push notifications encouraging you to continue your relocation planning while your Move Pass remains active. These notifications are reminders only and do not themselves renew or extend your access, and no purchase is made without your own affirmative action at checkout.

25.5 Refund Policy

All Move Pass purchases are final and non-refundable. This policy will be clearly presented to you at checkout before you complete a purchase. Concierge Services are governed by Section 26.8, and Relocation Planning Sessions by Section 27, and not by this Section 25.5. Notwithstanding the foregoing, nothing in this Section 25.5 limits any refund, cancellation, or other right you may have under applicable consumer protection law in your jurisdiction, or under the rules of the payment network or method used for your purchase, and this policy will be applied consistently with those laws and rules to the extent they apply to you.

25.6 Pricing

Current Move Pass pricing is displayed on the Platform at the time of purchase. We reserve the right to change Move Pass pricing at any time; any such change applies only to purchases made after the change takes effect and does not affect a Move Pass you have already purchased.

Please read this section carefully. It describes a separate, paid service that is different from the Move Pass and from the free Provider Network.

26.1 What Concierge Is

Horizon Atlas Concierge ("Concierge") is an optional, paid, personalized coordination service for people moving to a single destination country. A Horizon Atlas team member acts as your main point of contact to help plan your move, introduce you to independent Providers, coordinate their work, and follow up with you and with them. Each Concierge engagement covers one destination country. If you want help with another country, that is a separate engagement. A Move Pass is not required to purchase Concierge, and buying Concierge does not include a Move Pass unless your engagement confirmation says so.

26.2 Availability by Country

Concierge is offered for the destination countries that Horizon Atlas chooses to support. The countries we support change over time. We may add, pause, limit, or remove a country at any time. The countries currently offered are shown on the Platform and are confirmed on your consultation call. A country's inclusion means only that we can coordinate services there. It does not mean you qualify for any visa, residency, or other status. We may also decline or limit any engagement at our discretion.

26.3 Consultation Call and Engagement

You may book a consultation call with us at no charge. A Concierge engagement begins only when you accept the scope and pricing we present in writing (your "engagement confirmation") and pay as described in Section 26.4. Your engagement confirmation describes your destination country, the services included, the Provider fees quoted for your engagement, and the expected timing. Concierge pricing starts at the amount displayed on the Platform and depends on your scope. A paid Relocation Planning Session is a separate service described in Section 27.

26.4 One Invoice and Payment

For Concierge, Horizon Atlas sends you one invoice that covers our Concierge fee and the Provider fees quoted in your engagement confirmation. Horizon Atlas pays those Providers for you. Provider fees are quoted to you before you commit, and fees that fall outside your quoted scope, such as government filing fees, official translations, or other third-party costs, are included only if your engagement confirmation says so and are discussed with you before they are incurred. Payments are processed by Stripe, Inc. or another third-party processor identified on your invoice. If an invoice is not paid when due, we may pause or end the engagement.

26.5 Providers Within a Concierge Engagement

Providers who work on your Concierge engagement are independent of Horizon Atlas, and Section 13 applies to them. Even though you receive one invoice, you receive a Provider's services under your relationship with that Provider. For example, a relationship with a licensed immigration attorney or tax advisor is between you and that professional, who is solely responsible for the advice and work they give you. Horizon Atlas is not a party to the Provider's services and does not supervise or guarantee them.

26.6 No Legal, Immigration, or Tax Advice; No Guarantees

Concierge does not include legal, immigration, tax, or financial advice from Horizon Atlas. Our team members are not acting as attorneys, immigration representatives, or advisors. Horizon Atlas does not guarantee that any visa, permit, residency, citizenship, housing, financial result, or other outcome will be approved, obtained, or achieved, or that any timeline will be met. Decisions on applications belong to governments and other third parties. Timelines are estimates. Sections 3, 4, 5, and 6 apply in full to Concierge.

26.7 Your Responsibilities

You agree to give us and your Providers accurate, current, and complete information and documents, to respond promptly to requests, and to make your own decisions about whether to proceed with any step. Delays or additional costs caused by missing, inaccurate, or late information are your responsibility. You remain responsible for independently verifying information and for meeting every legal and procedural requirement that applies to you.

26.8 Changes, Cancellation, and Refunds

Cancellation and refund terms for a Concierge engagement are stated in your engagement confirmation, which you will see before you pay. Amounts already paid or committed to Providers or other third parties for work performed or in progress are not refundable by Horizon Atlas except as your engagement confirmation states or applicable law requires. Nothing in this section limits any right you have under applicable consumer protection law or under the rules of your payment method. Any refund of the Concierge coordination fee is calculated on the amount you actually paid for it, after any credit applied under Section 27.3.

26.9 Information Sharing and Communications

To deliver Concierge, we share the information needed with the Providers working on your engagement, as described in Section 6.2 of our Privacy Policy. We communicate with you about your engagement by email, phone, video, and messaging, using the contact details you give us. These are service messages and are not marketing. We send marketing calls, text messages, and WhatsApp messages only with your separate consent under Section 28. Bookings made through our embedded scheduling page are also handled by the scheduling provider described in Section 11 of our Privacy Policy.

26.10 Relationship to Other Sections

Sections 18 (Disclaimers), 19 (Limitation of Liability), 20 (Indemnification), and 22 (Dispute Resolution and Arbitration) apply to Concierge Services. For purposes of Section 19, amounts you pay for Concierge count as amounts you paid to use the Platform.

Please read this section carefully. It describes a separate, paid planning consultation that is different from the free consultation call, the Move Pass, and Concierge.

27.1 What a Planning Session Is

A Relocation Planning Session ("Planning Session") is an optional, paid, one on one planning consultation with a Horizon Atlas team member, held by video or phone at a time you book through our scheduling page. The fee, length, and format are shown when you book. A Planning Session is general planning guidance for your move. It does not create a Concierge engagement, and it is not legal, immigration, tax, or financial advice. Sections 3, 4, 5, and 6 apply in full.

27.2 Payment and Nonrefundable Fee

The Planning Session fee is due when you book and is processed by Stripe, Inc. or another third-party processor identified at checkout. Planning Session payments are nonrefundable, except as Section 27.4 provides. Nothing in this section limits any right you have under applicable consumer protection law or under the rules of your payment method.

27.3 Concierge Credit

If you have paid for a Planning Session, you receive a credit equal to the session fee toward the Concierge coordination fee for one country. The credit applies only if you sign the Concierge Engagement Agreement (or accept your engagement confirmation under Section 26.3) within 30 days of the session date. The credit applies once, to a single country, and has no cash value. It applies only to the Concierge coordination fee. It does not apply to Provider fees, government fees, or other third-party costs, and it cannot be transferred, combined with another credit, or exchanged for cash. If a refund of the coordination fee is owed under Section 26.8, it is calculated on the amount you actually paid for the coordination fee after the credit.

27.4 Cancellation and Rescheduling

You can reschedule at no charge if you let us know at least 24 hours before your session starts, using the reschedule link in your confirmation email. If you miss your session or ask to reschedule with less than 24 hours’ notice, the session is considered used and the fee is not returned. We may offer one new time at our discretion. If we need to reschedule for any reason, we will offer you a new time, and your payment stays in place. If we cannot offer a time that works for you within 30 days, we will refund the fee. The 30 day Concierge credit period in Section 27.3 is counted from the date your session takes place. If you reschedule, the new date is the one that counts. If you miss a session, the 30 days run from the date it was scheduled.

28.1 Service Communications

If you create an account, submit a request, or book a consultation or Planning Session, we may contact you by email, phone, text, WhatsApp, or other messaging about your account, your request, your booking, and your use of the Platform. These messages are not marketing.

28.2 Marketing Emails

If you check the consent box at signup, or opt in later, we may send you marketing emails. You can unsubscribe at any time using the link in any email or by writing to info@horizonatlas.ai.

28.3 Marketing Calls, Texts, and WhatsApp

If you check the consent box and provide your phone number, you authorize Horizon Atlas to contact you about your relocation and about Horizon Atlas services, offers, and promotions by phone call, text message, and WhatsApp at that number, including by automatic telephone dialing system or prerecorded or artificial voice. Consent is not required to use the Platform or to purchase anything. Message frequency varies. Message and data rates may apply. Reply STOP to any text or WhatsApp message to opt out, or HELP for help. After you reply STOP, we will send one confirmation message and then stop all marketing calls, texts, and WhatsApp messages to that number until you opt in again by replying START or by checking the consent box again. You may also revoke consent at any time by any reasonable means, such as emailing info@horizonatlas.ai, and we will honor opt-out requests promptly. For help, reply HELP or email info@horizonatlas.ai.

28.4 Your Phone Number

You agree to tell us if you change or give up the number you provided so we do not contact a different person. Text and WhatsApp messaging is not available in all areas, and carriers are not liable for delayed or undelivered messages.

28.5 Not a Condition

Your consent to marketing communications is voluntary and is not a condition of any purchase.

Either party may terminate this agreement at any time. You may close your account by following the instructions in your account settings or by contacting us at info@horizonatlas.ai. We may terminate or suspend your access immediately and without prior notice for any reason, including your breach of these Terms.

Upon termination: (a) your license to use the Platform terminates immediately; (b) we may delete your account and associated data subject to our Privacy Policy and applicable law; and (c) all provisions of these Terms that by their nature should survive will survive, including Sections 9 (User Content), 11 (Data), 12 (Intellectual Property), 13 (Provider Network), 18 (Disclaimers), 19 (Limitation of Liability), 20 (Indemnification), 22 (Dispute Resolution), and this Section 29. Payment obligations that accrued before termination, including amounts owed under Section 26 (Horizon Atlas Concierge Services) and Section 27 (Relocation Planning Session), also survive.

30.1 Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Horizon Atlas with respect to the subject matter hereof and supersede all prior agreements, understandings, and communications.

30.2 Severability

If any provision of these Terms is found by a court or arbitrator to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

30.3 No Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to do so in the future. Any waiver of a breach of these Terms shall not be deemed a continuing waiver.

30.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations freely, including in connection with a merger, acquisition, or sale of assets.

30.5 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

30.6 Reservation of Rights

Horizon Atlas reserves all rights not expressly granted in these Terms. No rights are granted by implication, estoppel, or otherwise. The failure to exercise or enforce any right or remedy under these Terms shall not constitute a waiver of that right or remedy.

For questions, concerns, or notices regarding these Terms:

Horizon Atlas

Email: info@horizonatlas.ai

Website: horizonatlas.ai