Legal

Terms of Use & Disclaimer

Last updated: March 2026 · Applies to: Horizon Market Compass (iOS)

Universal Shield — Summary: Horizon Market Compass provides financial information for educational and analytical purposes only. Nothing in this app or on this website constitutes financial advice, an investment recommendation, or a solicitation to buy or sell any security. Use of this app is at your own risk.

1. Scope

These Terms of Use and Disclaimer apply to all users of Horizon Market Compass, published on the Apple App Store by MARS Studio. By downloading and using the app, you acknowledge that you have read, understood, and agreed to these terms.

2. Not Financial Advice

Horizon Market Compass is an informational and analytical tool. All content, data, scores, valuations, and projections within the app are provided for educational purposes only. Specifically:

No content in this app constitutes financial, investment, tax, legal, or accounting advice.
No content should be relied upon as the sole basis for any investment decision.
MARS Studio is not a registered investment adviser, broker-dealer, or financial institution in any jurisdiction.
You should consult a qualified financial professional before making any investment decisions.

3. Model Limitations

The Global Valuation Engine uses market-specific mathematical models (including Discounted Cash Flow, Gordon Growth Model, and Hybrid Book-Value approaches) to produce fair value estimates. You acknowledge that:

Valuation models are based on assumptions about future growth rates, discount rates, and market conditions — all of which are uncertain.
Computed fair values are estimates, not predictions. Actual market prices may differ materially from model outputs.
The Sentinel Dividend Safety Score (scored 0-100, graded A-F) is a proprietary algorithmic analysis based on publicly available financial data. It is not a guarantee of future dividend payments.
Bull/Bear sensitivity ranges indicate a plausible range of values, not bounds on actual outcomes.

4. Vastu Framework

The Vastu Health Score and elemental portfolio mapping (Earth, Water, Fire, Air, Space) are wellness frameworks inspired by Vastu Shastra, an ancient Indian architectural philosophy. You acknowledge that:

The Vastu Health Score is a conceptual framework for portfolio self-reflection. It is not a financial metric, risk measure, or investment signal.
A high Vastu score does not imply that a portfolio is profitable, safe, or well-diversified in a financial sense.
Elemental classifications of stocks and sectors are indicative and subjective, and should not be treated as precise categorisations.
"Theoretical Balance Achieved" and similar in-app messages refer to the framework's conceptual target only — not to financial outcomes.

5. No Guarantees of Results

Past performance is not indicative of future results. Specifically:

Dividend history shown in the app does not guarantee future dividend payments. Companies may reduce, suspend, or eliminate dividends at any time.
Yield-on-Cost figures reflect historical purchase price and current dividend rates — they do not predict future income.
Price alerts and watchlist notifications are informational only and do not constitute trading recommendations.
Market conditions, geopolitical events, regulatory changes, and company-specific factors can significantly impact investment outcomes.

6. AI-Generated Content

From version 1.3 onwards, Horizon Market Compass includes an AI Market Briefing feature. You acknowledge that:

AI Market Briefings are generated by an automated system using the Gemini AI model (gemini-2.0-flash) and publicly available market data.
AI-generated content may contain errors, omissions, or outdated information. It should not be treated as a primary source of market intelligence.
No personal data, portfolio holdings, or device identifiers are used to generate AI briefings. All personalisation (Vastu element highlighting) occurs entirely on-device.
AI Market Briefings are explicitly labelled within the app and are distinct from the Sentinel Dividend Safety Score.

7. Third-Party Data

Horizon Market Compass fetches market data from the following third-party sources. MARS Studio is not responsible for the accuracy, completeness, or timeliness of data provided by these services:

Yahoo Finance — stock quotes, dividend data, and company fundamentals
Frankfurter API — currency exchange rates
WealthAdvisor — Japanese mutual fund NAV and distribution data
Google Gemini (v1.3+) — AI market briefing generation (server-side, public data only)

8. Regional Notice

This app is available globally. Local laws and regulations regarding financial information and investment services vary by country. It is your responsibility to ensure that use of this app complies with the laws of your jurisdiction.

      If you are located in India, Japan, Hong Kong, China, or the United States, please be aware that this app does not constitute regulated investment advice under the laws of those jurisdictions (SEBI IA Regulations, Japan FIEA, Hong Kong SFO, China Securities Law, or the US Investment Advisers Act 1940). Horizon Market Compass is a data display and analytical tool only.
    

9. Limitation of Liability

To the maximum extent permitted by applicable law, MARS Studio, its founders, developers, and affiliates shall not be liable for any loss or damage — including direct, indirect, incidental, or consequential loss — arising from your use of or reliance on Horizon Market Compass or any data, score, valuation, or analysis it provides.

10. Changes to These Terms

We may update these terms from time to time. Material changes will be reflected in the "Last updated" date above. Continued use of the app after any changes constitutes your acceptance of the updated terms.

11. Contact

Questions about these terms? Contact us at hmc-privacy@marsstudio.app or write to us at MARS Studio, marsstudio.app.