Terms of Use

Welcome to Golden Horizon Retirement Planning by Hansen Technology Group ("we," "our," or "us")! By accessing or using our website, services, or tools (collectively, the "Services"), you agree to be bound by the following Terms of Use. Please read them carefully before proceeding. If you do not agree to these terms, you must discontinue use of our Services immediately.

1. Disclaimer of Accuracy and Suitability

The information, financial forecasting tools, and other materials provided on this website are for general informational purposes only. While we strive to ensure the accuracy and timeliness of the content, we make no guarantees or warranties, express or implied, regarding:

  • The accuracy, completeness, or reliability of the information or tools provided.
  • The suitability of the information or tools for any specific purpose, including financial or investment decisions.

It is your responsibility to consult with a qualified financial advisor, accountant, or attorney before making any decisions based on the information or tools provided by our Services.

2. Third-Party Services

  • Advice from Third-Parties. Some of the Services involve advice from third-parties and third-party content. You agree that any such advice and content is provided for informational, educational, or entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from us. You agree that we are not liable for any advice provided by third-parties. You agree that you are responsible for your own financial research and financial decisions, and that we are not responsible or liable for any decisions or actions you take or authorize third-parties to take on your behalf based on information you receive as a user of Golden Horizon Retirement Planning resources.
  • We Do Not Endorse Third-Parties. The Services may contain links to third-party websites and services. We provide such links as a convenience, and do not control or endorse these websites and services. You acknowledge and agree that Hansen Technology Group has not reviewed the content, advertising, products, or services, or other materials that appear on such third-party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third-party websites or services.

3. Prohibited Conduct

You agree not to:

  • Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
  • Violate or misappropriate or encourage others to violate or misappropriate the rights of third-parties, including intellectual property rights;
  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
  • Interfere in any way with security-related features of the Services or the Site;
  • Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third-parties without their consent;
  • Access, monitor or copy any content or information of the Site using any robot, scripts, spider, scraper, or other automated means or for any purpose or any manual process to collect information or content, or use the Services as part of any machine learning or similar algorithmic activity without our express written permission;
  • Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth;
  • Copy, reproduce, rent, lease, sell, transfer, assign, sublicense, modify, publish, disclose, distribute, display or prepare derivative works of the Services;
  • Except to the extent permitted by applicable law and except to the extent expressly permitted in these Terms, reverse engineer, disassemble, or decompile the Services, including any corresponding source code, without prior written consent from us; or
  • Sell or otherwise transfer the access granted herein.

4. Limitation of Liability

To the fullest extent permitted by law:

  • Hansen Technology Group and its affiliates shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of the Services, including but not limited to financial losses, business interruption, or loss of data.
  • Our total liability to you for any claims, whether arising in contract, tort, or otherwise, shall be limited to the amount you have paid to us, if any, for the specific Service that gave rise to the claim.

5. Indemnification

You agree to indemnify, defend, and hold harmless Hansen Technology Group, its affiliates, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your use or misuse of the Services.
  • Your breach of these Terms of Use.
  • Any violation of applicable laws or regulations by you.

6. Intellectual Property Rights

All content, tools, designs, trademarks, and other intellectual property displayed or provided through our Services are the property of Hansen Technology Group or its licensors. You may not reproduce, distribute, or create derivative works without our express written consent.

7. Modifications to the Terms

We reserve the right to modify these Terms of Use at any time. Any changes will be posted on this page, and your continued use of the Services after such changes constitutes your acceptance of the new Terms.

8. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of the state of Utah. Any disputes arising under or in connection with these Terms of Use shall be resolved exclusively in the courts of the state of Utah.

By using our Services, you acknowledge that you have read, understood, and agreed to these Terms of Use.