EFFECTIVE DATE
April 1, 2026
GOVERNED BY
State of Georgia, USA
CONTACT
horizon.app.official@gmail.com
These Terms of Service govern your use of Horizon Life Operating Systems products — including the Horizon OS platform, the 1440 Planner app, and the Sovereign Ledger app (collectively referred to as the Platform). By creating an account or using any part of the Platform you agree to be bound by these terms.
01 // WHO WE ARE
Horizon Life Operating Systems is a sovereign life platform built by Charles Gaddis, based in Savannah, Georgia. We build tools designed to help people detect what is hijacking them, align with who they actually are, and take ownership of their time, money, and identity.
02 // WHO CAN USE THE PLATFORM
- You must be at least 13 years of age to use the Platform.
- If you are under 18 you must have permission from a parent or legal guardian.
- By using the Platform you confirm that the information you provide is accurate.
- You are responsible for maintaining the security of your account and password.
- You may not use the Platform for any unlawful purpose or in any way that could harm others.
03 // WHAT THE PLATFORM PROVIDES
Horizon Life Operating Systems provides digital tools for personal sovereignty and self development. These tools include guided check-ins, journaling, protocol-based practices, AI-assisted coaching through the Guardian, financial tracking, time planning, and a library of educational content rooted in the Horizon OS framework.
Important: The Platform is not a substitute for professional medical, psychological, psychiatric, financial, or legal advice. The Guardian AI is a coaching tool — not a licensed therapist, financial advisor, or medical professional. If you are experiencing a mental health crisis please contact a qualified professional or emergency services immediately.
04 // YOUR ACCOUNT AND DATA
- You own your personal data. We do not sell your data to third parties.
- We collect only the data necessary to provide the Platform's features.
- Your journal entries, check-ins, and personal reflections are private by default.
- You may request deletion of your account and all associated data at any time.
- We use industry standard security practices to protect your information.
- For full details on data collection and use see our Privacy Policy.
05 // THE GUARDIAN AI
The Guardian is an AI-powered coaching feature built into the Platform. It is designed to support your sovereign journey — not to replace human connection, professional support, or your own judgment.
- The Guardian uses AI to generate responses based on your inputs and usage patterns.
- Guardian responses are not guaranteed to be accurate, complete, or appropriate for your specific situation.
- The Guardian is not a licensed therapist, counselor, financial advisor, or medical professional.
- Do not rely solely on the Guardian for decisions that affect your health, safety, finances, or legal standing.
- Conversations with the Guardian are stored to improve your experience. See our Privacy Policy for details.
06 // ACCEPTABLE USE
We built this Platform with sovereign intent. We ask that you use it the same way. You agree NOT to:
- Use the Platform for any illegal purpose or in violation of any laws.
- Attempt to access other users' accounts or private data.
- Reverse engineer, copy, or reproduce any part of the Platform without permission.
- Use the Platform to harass, harm, or exploit any person.
- Upload content that is hateful, abusive, sexually explicit, or otherwise harmful.
- Attempt to disrupt, damage, or interfere with the Platform's servers or infrastructure.
- Misrepresent yourself or impersonate any person or entity.
07 // INTELLECTUAL PROPERTY
- All content, features, frameworks, and design elements of the Platform are owned by Horizon Life Operating Systems.
- The Horizon OS framework, the Beast vs Sovereign distinction, the Anchor Protocol, and the three zone system (Red, Gold, Cyan) are proprietary intellectual property.
- The Horizon Vibe Coding Process is proprietary intellectual property of Charles Gaddis and Horizon Life Operating Systems.
- You may not reproduce, distribute, or create derivative works from Platform content without written permission.
- Your personal content — journal entries, reflections, goals — remains yours. We claim no ownership over what you create.
08 // AVAILABILITY AND CHANGES
- We aim to keep the Platform available at all times but cannot guarantee uninterrupted access.
- We may update, modify, or discontinue features at any time.
- We will make reasonable efforts to notify users of significant changes.
- Continued use of the Platform after changes constitutes acceptance of the updated terms.
09 // LIMITATION OF LIABILITY
To the fullest extent permitted by law, Horizon Life Operating Systems and its founder shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform. This includes but is not limited to loss of data, loss of profits, personal injury, emotional distress, or any harm resulting from reliance on Guardian AI responses or Platform content.
10 // TERMINATION
- You may stop using the Platform and delete your account at any time.
- We reserve the right to suspend or terminate accounts that violate these Terms.
- Upon termination your right to use the Platform ceases immediately.
- Provisions that by their nature should survive termination will remain in effect.
11 // GOVERNING LAW
These Terms are governed by the laws of the State of Georgia, United States of America. Any disputes arising from these Terms or your use of the Platform shall be resolved in the courts of Chatham County, Georgia.
12 // CONTACT
If you have questions about these Terms, want to report a concern, or need to reach us:
13 // CHANGES TO THESE TERMS
We may update these Terms from time to time. When we do we will update the effective date at the top of this document and notify users through the Platform. Your continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.
// ACKNOWLEDGMENT
By using Horizon Life Operating Systems you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
The negotiation is over.
EFFECTIVE DATE
April 1, 2026
GOVERNED BY
State of Georgia, USA
CONTACT
horizon.app.official@gmail.com
This Privacy Policy explains how Horizon Life Operating Systems collects, uses, and protects your personal information when you use our Platform — including Horizon OS, the 1440 Planner, and the Sovereign Ledger.
We take privacy seriously. We collect only what we need. We don't sell your data. Ever.
01 // WHAT WE COLLECT
Information you provide directly:
- Email address — required to create an account
- Name — optional, used to personalize your experience
- Journal entries, check-in responses, and reflections you write in the Platform
- Goals, intentions, disciplines, and other personal content you enter
- Messages you send to the Guardian AI
- Financial data you enter in the Sovereign Ledger
Information collected automatically:
- Usage data — which features you use and when
- Device information — browser type, operating system, screen size
- IP address — used for security and fraud prevention only
- Analytics data — page views and interactions, collected anonymously via Vercel Analytics
02 // HOW WE USE YOUR DATA
- To provide and improve the Platform's features
- To personalize your Guardian AI experience based on your usage patterns
- To send you product updates and important account information
- To respond to your questions and support requests
- To analyze usage patterns and improve the Platform
- To prevent fraud and maintain security
We do not use your personal journal entries, check-ins, or reflections to train AI models. Your private content stays private.
03 // WHAT WE DO NOT DO
- We do not sell your personal data to third parties. Ever.
- We do not share your private journal entries or personal reflections with anyone.
- We do not use your data for advertising targeting.
- We do not send spam. You can unsubscribe from emails at any time.
- We do not build profiles of you to sell to data brokers.
04 // THE GUARDIAN AI AND YOUR DATA
The Guardian AI reads your check-ins, journal entries, and usage patterns to provide personalized coaching. This data is processed to generate responses and surface relevant insights. Guardian conversations are stored to maintain context across sessions and improve your experience over time.
Guardian AI responses are generated by AI. They are not reviewed by humans unless you contact us with a specific concern or support request.
05 // THIRD PARTY SERVICES
We use a small number of trusted third party services to operate the Platform:
- Stripe — payment processing. We never store your payment card details. Stripe's privacy policy applies to payment data.
- ConvertKit / Kit — email list management for the free manual and product updates.
- Vercel — website hosting and anonymous analytics.
- Lovable — app infrastructure and hosting.
These services have their own privacy policies. We choose partners who take data protection seriously.
06 // DATA RETENTION
- We retain your account data for as long as your account is active.
- If you delete your account we will delete your personal data within 30 days.
- Some data may be retained longer if required by law.
- Anonymized usage analytics may be retained indefinitely.
07 // YOUR RIGHTS
- Access — you can request a copy of the personal data we hold about you.
- Correction — you can ask us to correct inaccurate data.
- Deletion — you can request that we delete your personal data.
- Portability — you can request your data in a portable format.
- Opt-out — you can unsubscribe from marketing emails at any time.
To exercise any of these rights email us at horizon.app.official@gmail.com.
08 // CHILDREN'S PRIVACY
The Platform is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information please contact us immediately and we will delete it.
09 // SECURITY
We use industry standard security measures to protect your data including encrypted connections (HTTPS), secure authentication, and access controls. No system is completely secure. If you believe your account has been compromised contact us immediately at horizon.app.official@gmail.com.
10 // CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. We will notify users of significant changes through the Platform or by email. Continued use of the Platform after changes are posted constitutes acceptance of the updated Policy.
11 // CONTACT
Questions about this Privacy Policy or how we handle your data:
// OUR COMMITMENT
Your data is yours. We collect what we need to serve you well. Nothing more. We will never sell it, trade it, or use it against you.
The negotiation is over.