Terms of Use

By accessing, browsing or otherwise using the Ledger Horizon website (the "Website"), you acknowledge that you have read, understood and agree to be bound by these Terms, together with our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

If you do not agree to any part of these Terms, you must discontinue your use of the Website immediately.

You must be at least 16 years of age to use this Website. By using the Website, you represent and warrant that you are at least 16 years old. If you are under 16, you may not access or use the Website under any circumstances.

If you are accessing the Website on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms, and references to "you" shall include that organisation.

Ledger Horizon is an educational resource dedicated to helping readers understand blockchain technology, distributed ledger systems, cryptography, smart contracts, web3 concepts and digital assets. Our services include, but are not limited to:

• Educational articles and guides covering blockchain technology fundamentals, consensus mechanisms, cryptographic principles and related topics
• A glossary of blockchain and digital asset terminology with clear, accessible definitions
• Curated educational resources and reading materials for further study
• A frequently asked questions section addressing common queries about blockchain technology
• A contact facility allowing users to submit enquiries to our editorial team

All content on this Website is provided for educational and informational purposes only. Ledger Horizon does not provide financial, legal, tax or any other form of professional advice. We do not operate as a financial services provider, and nothing on this Website should be interpreted as a recommendation or solicitation to take any particular action regarding digital assets or any other subject.

The scope of our services may change over time. We reserve the right to modify, suspend or discontinue any aspect of the Website at any time without prior notice, though we will endeavour to communicate significant changes where practicable.

When using this Website, you agree to the following obligations:

Lawful use: You must use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party. You must not use the Website in any way that is unlawful, fraudulent or harmful, or in connection with any unlawful, fraudulent or harmful purpose or activity.

No scraping or automated access: You must not use any automated system, software, bot, crawler or scraper to access, extract, copy, monitor or download content from the Website without our prior written consent. This includes, but is not limited to, data mining, screen scraping and the use of web harvesting tools.

No impersonation: You must not impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity, including Ledger Horizon or any member of our editorial team.

No interference: You must not attempt to interfere with, disrupt, damage or compromise the Website's infrastructure, security features, servers or networks connected to the Website. This includes attempting to gain unauthorised access to any part of the Website, other accounts, computer systems or networks connected to any server used by the Website.

No illegal activity: You must not use the Website to transmit, distribute or store material that violates any applicable law, regulation or code of practice, or that could give rise to civil or criminal liability.

Accurate information: If you submit any information to us through contact forms or other means, you must ensure that the information you provide is accurate, complete and not misleading.

All content on this Website, including but not limited to text, articles, graphics, images, illustrations, icons, logos, page layouts, software, source code and the selection and arrangement thereof (collectively, the "Content"), is the property of Ledger Horizon Education Ltd or its content suppliers, and is protected by United Kingdom and international copyright, trademark and other intellectual property laws.

The Ledger Horizon name, logo and all related names, logos, product and service names, designs and slogans are trademarks of Ledger Horizon Education Ltd. You must not use such marks without our prior written permission.

Limited licence: We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its Content for your personal, non-commercial educational purposes only. This licence does not include the right to:

• Reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store or transmit any Content, except as incidental to normal web browsing
• Use any Content for commercial purposes without our express written consent
• Remove, alter or obscure any copyright, trademark or other proprietary notices from the Content
• Frame, mirror or otherwise incorporate any part of the Website into another website or application without prior written consent

You may print or download individual pages or articles from the Website for your personal, non-commercial reference, provided you retain all copyright and proprietary notices. Any use of Content not expressly permitted by these Terms constitutes a breach of these Terms and may violate copyright, trademark and other applicable laws.

No warranty of accuracy: While we strive to keep the information on this Website accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of the Content. Blockchain technology is a rapidly evolving field, and information that was accurate at the time of publication may become outdated. We endeavour to review and update Content regularly, but we cannot guarantee that all information reflects the most current state of research, regulation or technology.

No warranty of availability: We do not warrant that the Website will be available at all times, uninterrupted, secure or free from errors. Access to the Website may be suspended, restricted or terminated at any time without notice for maintenance, updates, security reasons or circumstances beyond our control.

"As is" basis: The Website and all Content are provided on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, statutory or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and accuracy. To the fullest extent permitted by applicable law, Ledger Horizon disclaims all warranties.

No endorsement: References to specific blockchain networks, protocols, digital assets, organisations, academic institutions or technologies within our Content are made for educational illustration only and do not constitute an endorsement, recommendation or expression of preference.

To the fullest extent permitted by the laws of England and Wales, Ledger Horizon Education Ltd, its directors, officers, employees, agents and affiliates shall not be liable for any indirect, incidental, special, consequential or punitive damages, including but not limited to loss of data, loss of opportunity, loss of goodwill, business interruption or any other intangible losses, arising out of or in connection with:

• Your use of, or inability to use, the Website or any Content
• Any errors, inaccuracies or omissions in the Content
• Any decisions made or actions taken based on information obtained from the Website
• Any unauthorised access to or alteration of your transmissions or data
• Any third-party content, conduct or websites accessed through links on the Website

Cap on direct liability: In any event, the total cumulative liability of Ledger Horizon Education Ltd for all claims arising out of or relating to these Terms or the use of the Website shall not exceed one hundred pounds sterling (GBP 100.00).

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other matter for which it would be illegal for us to exclude or limit liability under the laws of England and Wales.

You agree to defend, indemnify and hold harmless Ledger Horizon Education Ltd, its directors, officers, employees, agents and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including reasonable legal fees) arising from or in connection with:

• Your use of the Website in breach of these Terms
• Your violation of any applicable law, regulation or third-party right
• Any information or content you submit through the Website that is inaccurate, misleading or unlawful
• Any dispute between you and a third party that arises in connection with your use of the Website

This indemnification obligation survives the termination of these Terms and your use of the Website.

The Website may contain links to third-party websites, resources, academic papers, documentation or other external content that is not owned or controlled by Ledger Horizon Education Ltd. These links are provided solely for informational and educational convenience.

We have no control over, and assume no responsibility for, the content, privacy policies, practices, accuracy, opinions or views expressed on any third-party websites or resources. The inclusion of a link to a third-party website does not imply endorsement, sponsorship or affiliation by Ledger Horizon.

We strongly encourage you to read the terms and conditions and privacy policies of any third-party websites that you visit. You access third-party websites entirely at your own risk, and Ledger Horizon shall not be liable for any loss or damage arising from your use of or reliance on any third-party content.

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, store and protect your personal data. By using this Website, you acknowledge that you have read and understood our Privacy Policy.

Our Cookie Policy provides detailed information about the cookies and tracking technologies we use on the Website, including your options for managing cookie preferences. Both the Privacy Policy and Cookie Policy form an integral part of these Terms.

If you submit any personal data to us (for example, through our contact form), we will process it in accordance with the General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and our Privacy Policy. We will not sell your personal data to third parties.

These Terms, their subject matter and their formation (including any non-contractual disputes or claims) are governed by and construed in accordance with the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms, including any dispute regarding the existence, validity or termination of these Terms.

If you are a consumer resident in another part of the United Kingdom (Scotland or Northern Ireland), you may also bring proceedings in the courts of your country of residence. Nothing in these Terms affects your rights as a consumer under mandatory consumer protection legislation in your jurisdiction.

In the event of any dispute arising from or relating to these Terms or your use of the Website, both parties agree to first attempt to resolve the matter through good-faith informal negotiation. You may contact us in writing at the address provided in Section 14 of these Terms, and we will endeavour to respond within 14 business days.

If the dispute cannot be resolved through informal negotiation within 30 calendar days of the initial written notice, either party may pursue formal legal remedies in the courts of England and Wales, as specified in Section 10.

Nothing in this section prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction where such relief is necessary to protect that party's rights or property.

We reserve the right to suspend, restrict or terminate your access to the Website, in whole or in part, at any time and for any reason, including but not limited to:

• Violation of these Terms or any applicable law
• Conduct that we reasonably believe is harmful to other users, the Website, or our reputation
• Requests by law enforcement or other government agencies
• Extended periods of inactivity or technical issues that necessitate action

Upon termination, your right to use the Website ceases immediately. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, indemnification and limitations of liability.

We will not be liable to you or to any third party for any suspension or termination of your access to the Website.

We may revise and update these Terms from time to time at our sole discretion. All changes are effective when posted on this page, and the "Last Updated" date at the top of this page will be revised accordingly.

For material changes that significantly affect your rights or obligations, we will provide notice at least 14 days before the changes take effect. This notice may be provided through a prominent banner on the Website homepage or, where practicable, by other reasonable means.

Your continued use of the Website following the posting of revised Terms constitutes your acceptance of such changes. If you do not agree to the revised Terms, you must stop using the Website.

We recommend that you review these Terms periodically to stay informed of any updates. You can always find the current version of these Terms at this page.

If you have any questions, concerns or complaints about these Terms, please contact us using the details below:

We aim to respond to all enquiries within 5 business days. For urgent matters, please indicate this in the subject line of your email.