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Horizon Consumer Intel LLC ("Horizon," "we," or "the Company") is a Wyoming-registered limited liability company providing B2B enterprise software automation, operational workflow scheduling, financial settlement orchestration, and managed digital asset infrastructure services to independent commercial operators and enterprise brand partners. Use of the Horizon platform is exclusively for legitimate business and commercial purposes. Consumer use is not offered.

By executing a service agreement or accessing the platform, the client ("Partner") confirms that (i) all commercial activities conducted through Horizon's infrastructure comply fully with applicable laws, regulations, and the published terms of service of any upstream platforms, marketplaces, or programs being utilized; (ii) all digital assets under management are owned or formally authorized for commercial operation by the Partner; (iii) all settlement amounts due are paid according to the agreed billing schedule; and (iv) the Partner will cooperate with reasonable compliance and security audits upon request.

Any activity constituting fraud, misrepresentation, violation of applicable commerce law, or any breach of this B2B service agreement may result in immediate suspension. All suspension decisions are reviewed by a human compliance officer within one business day.

The full executed Master Services Agreement is available on request under countersignature. Contact support@consumerhorizon.com.

Horizon Consumer Intel LLC processes personal and commercial data exclusively to deliver contracted B2B services. Categories of data include: business contact identifiers, operational telemetry, settlement records, compliance audit logs, and support correspondence. We do not sell, rent, or disclose partner data to unauthorized third parties.

Encryption standards: TLS 1.3 in transit; AES-256 at rest; hardware-backed key management. Data residency: U.S. and EU regions selected at provisioning. Retention: Active partner data is retained for the duration of the engagement plus 30 days, then purged from production systems and all backups within 90 days, except where longer retention is required by applicable tax, financial, or anti-fraud law.

GDPR (EU/EEA): Horizon acts as a data processor under Article 28 DPA. Lawful basis for processing is contractual necessity. Standard Contractual Clauses (SCCs) are available on request. CCPA (California): We do not sell personal information. Authorized service providers are contractually bound to equivalent protections.

Data subject requests — access, correction, deletion, portability, and objection — may be submitted to support@consumerhorizon.com and processed within 30 calendar days at no charge. Our sub-processor list and DPA are available under NDA on request.

The Horizon platform is a B2B enterprise operational infrastructure service. Partners represent and warrant that all use of the platform constitutes legitimate commercial activity conducted in full compliance with applicable laws, including but not limited to applicable consumer protection, advertising, commercial speech, and platform-to-platform program regulations.

Partners expressly agree not to use the platform to (i) engage in fraud, misrepresentation, or deceptive commercial practices; (ii) conduct any transaction involving proceeds derived from unlawful activity; (iii) operate digital assets or commercial programs the Partner does not own or lack documented written authorization to manage; (iv) transmit malicious code, unsolicited commercial communications, or illegal content; or (v) violate any applicable anti-money laundering (AML) or sanctions laws.

AML / KYC commitment: Horizon maintains a written AML compliance program aligned with FinCEN guidance for money services businesses. All partners are subject to identity verification and beneficial ownership disclosure at onboarding. Partners agree to provide updated KYC documentation upon request. Horizon will file a Suspicious Activity Report (SAR) with FinCEN if any transaction is suspected to involve money laundering or terrorism financing.

Horizon reserves the right to suspend any partner account whose activity pattern is inconsistent with the representations made at onboarding or suggests a violation of this AUP. Suspensions are reviewed by a human compliance officer within one business day.

Horizon's security architecture is built on a zero-trust, single-tenant enterprise hardware model. Every partner is provisioned a dedicated enterprise workstation with independently routed, geographically verified network paths. There is no shared virtual machine infrastructure, shared credential environment, or co-mingled network routing between partners.

Controls: AES-256 encryption at rest, TLS 1.3 in transit, hardware-backed key storage, mandatory hardware MFA for production access, role-based access control (RBAC) with least-privilege enforcement. Monitoring: 24/7 hardware health telemetry, anomaly detection, three-region failover with documented runbooks. Incident response: Documented SLA of 4-hour initial response for critical severity incidents.

Audit certifications: SOC 2 Type II (security, availability, confidentiality — AICPA Trust Services Criteria) is in progress with a target completion in FY26. ISO 27001 certification is in scope for infrastructure and operations. Both reports, when available, are released to qualified prospects and existing partners under signed NDA. Contact support@consumerhorizon.com.

Horizon Consumer Intel LLC, a Wyoming limited liability company (Entity ID: available upon request from support@consumerhorizon.com, registered at 75 E 3rd St, Sheridan, WY 82801), maintains a formal Anti-Money Laundering (AML) compliance program aligned with FinCEN's Bank Secrecy Act Advisory for Money Services Businesses and related guidance.

AML program elements: (1) Written AML policies and procedures reviewed annually. (2) Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for all partners, including beneficial ownership verification under the Corporate Transparency Act (CTA). (3) Transaction monitoring with automated alerting for anomalous settlement patterns. (4) Mandatory SAR filing with FinCEN within the required timeframe for any suspicious activity. (5) Sanctions screening against OFAC SDN, EU Consolidated, and HMT lists prior to onboarding and on an ongoing basis.

Source of funds: All settlement funds disbursed through the Horizon platform represent legitimate commercial compensation for digital content creation, brand partnership management, and related B2B operational services. Settlement records are retained for a minimum of five years and are available to law enforcement, financial regulators, or banking partners upon lawful request.

This disclosure is provided to facilitate bank account opening, correspondent banking relationships, and institutional due diligence reviews. For the full AML program documentation or to request a copy of our AML/BSA Compliance Manual, contact support@consumerhorizon.com.