Privacy Policy

Privacy and Data Protection Page


Horizon Fintech is owned and managed by Fitt and Co IT Management Consultancy Limited, registered in the United Kingdom under number 10876650. (“Horizon, Fitt and Co” or “we”, “our”) is committed to protecting the privacy of individuals who visit its websites and customers who make use of our products and services, through there websites


We do not handle or manage any data related to the processing of your payments. We operate as a service to introduce payments institutions in numerous regions to merchants mainly in real time at your request.

1.   Data Controller

We are the data controller of our website (; we are not the data controller of the various brokers’ websites, products and services offered through our product. It follows that personal data may be processed by other persons on behalf of us (“processors”, “payment institutions”, “PSPs”etc.), in accordance with our introductions. We use third party service providers for the hosting of the website, and for the ultimate provision of the products and services we may or may not introduce you too (including, without limitation, the processing partners of our partner payment institutions, card issuers, the card processors, and providers of know-your-customer (“KYC”) and due diligence services as well as data partners providing statistical market information to us), and you are solely responsible for ensuring such organisations support your own standards and requirements in managing all forms of data.

In addition, distributors or other business partners and service providers may process personal data in relation to our customers as a data controller in their own right. We are not responsible for the processing of personal data by any organization or person acting as a data controller outside of the components of this website and our introductions.

When we refer to “processing”, this includes collecting, transacting with financial institutions, recording, organising, storing, altering, using, disclosing and deleting of personal data.

2.     Type of information collected and purposes

2.1.        Cookies and cookie policy

A cookie is a message given to a Web browser by a Web server. The browser stores the message in a text file. The message is then sent back to the server each time the browser requests a page from the server. The main purpose of the cookies we use is to identify users returning to our website and possibly prepare Web pages for you. When you enter our Web site using cookies, you may be asked to fill out a form providing such information as your name and interests. This information is packaged into a cookie and sent to your Web browser which we store for later use on a return visit. The next time you go to the same Web site, your browser will send the cookie to the Web server. The server can use this information to present you with custom Web pages. So, for example, instead of seeing just a generic welcome page you might see a welcome page with your name on it. We use cookies to improve your experience with our products and no to no other purpose. When you use our website, you agree to us using cookies.

Types of cookies we use:

1. Personalisation Cookies: these cookies allow us to personalise repeat visits, user names, options, history etc.

2. Analytics Cookies: These cookies monitor how you reached our website and how you use and move around our products within the website

3. Third party service cookies: these may be used by blogs, social media websites, and in general, services we use that are run by other companies and providers to our website

4. Ad management and site management cookies. In any scenario or situation where we use advertising on our website, we may use ad management cookies, these cookies will monitor your options and choices when clicking for example any adver6t within our website. Site management cookies will maintain your identity in multiple sessions when for example, we use multiple servers to send you information

2.2.        Contact numbers

If you contact us, we will store certain information that you have used such as email addresses, phone numbers and such like. We may store this information to maintain reasonable standards of communication with you ongoing. At no time during or after our ‘relationship ends’, will we sell or in any other way distribute your contact details provided to us.

We may record telephone conversations and use such recordings as evidence and to improve our services with you.

We will record communications via electronic mail (including via e-mail, text message or through the online facilities available on our website) for the purpose of providing evidence of transactions, the performance of our obligations under the agreement entered into with you (including the applicable Terms and Conditions), to improve our services and to ensure compliance with applicable laws and regulation to which we are subject.

2.3.        Our products and services

We will process personal information when you commence to use our products and services and in the ongoing provision of those services to you. This information is limited by the forms on our partners and our own website(s) but typically includes, name, email address, mobile number and historical information relating to your transactions with our partner payments institutions that you instructed to process a transaction with. We may also process information about you in order to maintain internal or external know your client and fraud prevention and due diligence checks that we undertake from time to time. We are not in any way limited by where we may carry out our searches in this regard.

Personal data may be used for the following purposes:

(i)  The performance of our obligations under the agreement entered into between you and us (including the applicable Terms and Conditions)

(ii)  Promotion and marketing of our products and services

(iii) Internal assessment and analysis, research, statistics and the development and improvement of our products and services

(iv)  To protect our services and products from illegal or unauthorised use or by unauthorised persons, and to detect and intervene in any such illegal or unauthorised use or access to our products and services

(v)  to ensure compliance with applicable laws and regulation to which we are subject, including laws and regulation related to tax, prevention of money laundering and funding of terrorism, reporting to competent authorities, and compliance with orders from any court or competent authority

We may be required by law to collect and process certain personal information related to you and persons connected to you, in particular in order to satisfy our obligations under the applicable laws and regulation on the prevention of money laundering and funding of terrorism. If you fail to provide the documents and information we require by law within a reasonable timeframe, we may not be able to provide you the products or services requested or may have to stop providing them to you.

3.   Recipients of personal data

Personal data will be processed by our employees, officers and processors. Personal data may also be available, provided or disclosed to the following third parties:

(i)  our services providers, including (without limitation) auditors, professional advisors, KYC and due diligence services and providers of ICT services;

(ii)  Courts, governmental bodies, regulatory and other competent authorities.

4.  Transfer of personal data to other countries

Personal data may be transferred to countries globally, even if the country to which data is transferred may not ensure a similar level of protection. This may be the case where such transfer is necessary for the provision of our products or services, for the performance of our contractual obligations, if we are required to do so by law or for the establishment, exercise or defence of legal claims.

5.   Links to other websites

Our website may contain links to websites operated by third party partners. When connecting to such other websites you will no longer be subject to this policy but to the privacy and data protection policy of the other website. We are not in any way responsible for the privacy and data protection practices of these other websites and we encourage you to read the privacy and data protection statements of each website you visit, which may collect personal information.

6.   Your rights as a data subject

6.1.        Right of access

We will provide you, upon request and without charge, written information on the processing of your personal data, unless we are prevented from doing so by law. You may only make such requests at reasonable intervals, and the request must be made to us in writing using the contact details given on our website, and must be signed by you.

6.2.        Right to request rectification

Although all reasonable efforts will be made to keep your information updated, you are kindly requested to inform us of any material change in personal information provided to us.

We will rectify, block or erase personal data that has not been processed in accordance with the applicable law on data protection, upon your request.

6.3.        Direct marketing

You have the right to oppose, the processing of your personal data for the purpose of direct marketing.

If you are a customer, we may use your contact details to send electronic mail (including by e-mail, text message and through the online facilities accessible through our website) unless you have objected there to. You have the right to object, free of charge, against the use of your contact details for such purpose, when you apply for one of our products or services, or on occasion of each message if you have not objected initially.

We will not send any unsolicited communications by means of an automatic calling machine, fax or electronic mail (including by e-mail, text message and through the online facilities accessible through our website) for any direct marketing purposes other than as mentioned in the preceding paragraph, unless you have given us your prior consent in writing. You have the right to object, free of charge, to receive communications for marketing purposes sent by mail or any other form of communication, namely other than automatic calling machine, fax of electronic mail.

Should you not wish to have your personal data processed for direct marketing purposes, you are required to inform us accordingly in writing, by email or mail, using the contact details on our website.

7.   Changes to this policy

If there are any changes to this privacy and data protection policy, we will replace this page with an updated version. It is therefore in your own interest to check the “Privacy and Data Protection” page any time you visit our website or use the online facilities available through the website, in order to be informed of any changes which may occur from time to time.

Terms and Conditions:

8. Parties

You may choose to use services and products provided by third parties when using our services and products. If you decide to use these services, you alone will be responsible for reviewing their terms and conditions, privacy policies and any other that might impact your using our services or any other partner’s services. You agree that we are not responsible for the performance of these services. Inclusion of any link, promotion or mention on our website does not imply an endorsement or approval or any kind of recommendation by us. You agree that you use our services at your own risk and that the third parties are not governed by the terms and conditions contained within this agreement. We expressly disclaim any liability for these websites. Please remember that when you use a link, our privacy policies, relevant terms and conditions and procedures are no longer in effect. Your browsing, interaction and use of any third party service is subject to that websites own policies and procedures.

Thank you.