The information available through Compass Investors, LLC, including but not limited to the HORIZON reports and website, is the property of Compass Investors, LLC and may be displayed, formatted and printed for your personal use only. You agree not to copy, give, broadcast, reproduce, modify, republish, upload, download, post, transmit, loan, rent, transfer, sell or otherwise distribute or circulate any information received directly or indirectly from Compass Investors to anyone, including, but not limited to, others in the same company or organization, without the express prior written consent of Compass Investors, LLC. You may not post any content from any Compass Investors publication, email or website to news groups, mail lists or electronic bulletin boards, without the prior written consent of Compass Investors, LLC. The use of any such materials on any other website or computer network is also prohibited. You may print out any of the materials from this site for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Compass Investors Horizon, Compass Institute, LLC, Compass Investors, LLC and, its name, logos and content are trademarks of Compass Investors, LLC. All documents and presentation designs are intellectual properties of Compass Investors, LLC and are protected under U.S. laws. Infringement of these rights will result in both criminal and civil prosecution to the maximal extent allowed by law.

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WARNING: Non-sharing of Information. Compass Investors, LLC (CI) can only offer HORIZON if all users pay for our services. I understand that sharing of any content of any HORIZON Action Report will cause significant harm and financial damage to CI. I agree to not share the content of the HORIZON Action Report in any form whatsoever - including my website access information - with anyone, either directly or indirectly.

In the event of my violating this non-sharing provision, CI reserves the right to (1) immediately discontinue the HORIZON service for the entire company, and/or (2) prosecute for lost revenue and damages to the fullest extent provided by U.S. law.

Terms of Use: The HORIZON service is but one tool to be used in my investment planning. I am solely responsible for my own investment decisions; I may accept, reject or modify the analysis of the funds the HORIZON service will provide. I will hold Compass Investors and its agents harmless. If there is liability found on the part of Compass Investors the maximum damages will be limited to the annual amount paid for services, and under no circumstances will there be consequential or punitive damages.

Personal Declaration: By typing ‘I agree’ in the box below, I declare my understanding and agreement with the above and with CI's Terms of Use and full User Agreement and Disclaimer.

Your responsibility

You are responsible for your own investment decisions. The subscriber to any Compass Investors service(s) understands that the subscriber is assuming full responsibility for any investment decisions. All decisions to act, whether to reallocate, buy or sell, is the sole responsibility of the subscriber. If you ignore our advice to do independent research of industries, companies, mutual funds, and stocks, choosing instead to invest solely on information received from Compass Investors in any form, you have made a conscious, willing, free, and personal decision to do so. Compass Investors, LLC assumes no responsibility, and you agree that under no circumstances will Compass Investors, LLC be liable for any losses incurred as a result of readers following any recommendations discussed in any website, newsletter, email or other forms of communication. The actual investment choices are the sole responsibility of the subscriber and may produce a gain or loss of investment capital for that user.

Reported performance results are back-tested

Performance information presented in charts and tables by Compass Investors, LLC unless otherwise noted represent back-tested performance of the HORIZON™ strategy applied only to the funds included in HORIZON™ Model Portfolio. Back-tested performance is hypothetical (it does not reflect trading in actual accounts), assumes that fund trades and exchanges are made at the closing price of a fund on both the stated starting and ending date of the reporting period, does not adjust for fund holding or repurchase period restrictions, and is provided for informational purposes only. Actual performance may be higher or lower than the back-tested performance.

Portfolios may use proxy and benchmark funds

Historical performance may be calculated assuming that funds representing the current portfolio's asset classes or a reasonable approximation of the current portfolio's asset classes had been available over the reported time period. A proxy fund (a fund with similar performance to another) or the stated performance benchmark for a fund may be used as a representative for a currently available private fund (one not publically traded or without available pricing data) when determining the HORIZON™ Model Portfolio and calculating the expected historical performance. Actual performance may be higher or lower than the back-tested performance using proxy and benchmark funds.

Information is considered to be accurate

The material contained and described in any Compass Investors publication or website is intended to provide information considered to be accurate. Information is believed to be accurate at the time of publication. However, no warranty, implied or otherwise, is extended by Compass Investors, LLC to the accuracy and/or quality of the materials delivered by Compass Investors.

As Compass Investors, LLC is not affiliated with any mutual fund company or Plan Sponsor, the accuracy of the plan contents, including funds that may be added, deleted or modified, is dependent on subscribers providing this information to Compass Investors. Compass Investors does not assume any responsibility for any errors or omissions that may occur during publication. Quotes and historical data provided to Compass Investors are from third party sources and are believed to be reliable, however we cannot guarantee that they will always be available or accurate.

Purpose of this service

Compass Investors publications and websites are an educational information service for investors. The website and publications are designed to help subscribers obtain financial information and provide the analysis and tools needed to make better-informed reallocation, investment and personal financial decisions. All information provided in the website and publications pertaining to investing, mutual funds, stocks and other securities must be understood as information provided and not investment advice. The decision to use and any resulting implementation of the analysis provided by Compass Investors is the sole responsibility of the subscriber.

Use of the information provided

The data and tools provided on this website including all worksheets, process documents, action reports, and calculators, (hereinafter collectively referred to as the "information"), is provided on an "AS IS", "AS AVAILABLE" and "WITH ALL FAULTS" basis and neither Compass Investors, LLC nor any of its officials or employees shall be held liable for any damages, penalties or investment loss that may ensue from the use of such information. Information is provided as a guide for making reallocation decisions. It is not to be used as a substitute for specific advice from a licensed professional. You should not act (or refrain from acting) based upon information in this site without independently verifying the information and obtaining professional advice regarding your particular facts and circumstances.

Changes to this service

From time to time, rules and regulations imposed by mutual fund companies, Retirement Plan Sponsors and Retirement Plan Administrators may require changes to the Compass Investors Horizon recommendation delivery frequency. As a consequence of such rules and/or regulations, Compass Investors reserves the right to change the recommendation delivery frequency. Subscribers will be notified when and if rules and/or regulation changes occur and, in such cases, Compass Investors may or may not amend the subscription fees charged. However, the customer's right to cancel their subscription as per the cancellation terms of the Term of Use shall always be in effect.


No one connected with Compass Investors, LLC is employed by, nor do they receive any compensation in any shape or form whatsoever from any brokerage firm, exchange, advisory service, stock manipulator/promoter, insider, or any company mentioned. Compass Investors publications and websites are an independent electronic vehicle providing information on selected public companies, mutual funds and other investment vehicles, and accepts no advertising. No one connected with Compass Investors, LLC sells any investment vehicle (stocks, mutual funds, annuities) or provide Retirement Plan administrative services

Your use of the website and publications

Your use of the web site, publications and the information and services provided therein are at your sole risk. All statements and expressions in the website and publications are not meant to be a solicitation or recommendation to buy, sell, or hold securities or mutual funds. Nor shall it create any principal-agent relationship between viewer and Compass Investors, LLC. Past performance of our profiled and/or recommended stocks and/or mutual funds is not indicative of future results. Readers of this site should not assume that recommendations discussed in this site will be profitable under any circumstances or market conditions.

Seek professional financial planning advice

Compass Investors, LLC is not representing itself as a broker dealer or registered investment advisor or financial planner nor do we hold ourselves out to be and do not endorse or recommend the services of any brokerage company. The entity you select to implement any of your chosen recommendations is solely responsible for its services to you, the user. Compass Investors, LLC furthermore directs all subscribers seek advice from a registered professional securities advisor before deciding to invest in stocks, mutual funds or other securities featured in our publications and website. Investors should not rely solely on the information contained in the Compass Investors website or newsletter. Rather, subscribers should use the information contained in this website as a starting point for doing additional independent research on the featured recommendations.

Limitation on Compass Investors, LLC Liability

Compass Investors, LLC liability, whether in contract, tort, negligence, or otherwise, shall be limited in the aggregate to direct and actual damages not to exceed the fees received by Compass Investors, LLC from the subscriber. Compass Investors, LLC will not be liable for consequential, incidental, punitive, special, exemplary or indirect damages resulting directly or indirectly from the use of or reliance upon any material provided by Compass Investors. Without limitation, Compass Investors, LLC shall not be responsible or liable for any loss or damages related to, either directly or indirectly, (1) any decline in market value or loss of any investment; (2) a subscriber's inability to use or any delay in accessing Compass Investors, LLC website or any other source of material provided by Compass Investors, LLC; (3) any absence of material on Compass Investors, LLC website; (4) Compass Investors, LLC failure to deliver or delay in delivering any material or (5) any kind of error in transmission of material. Compass Investors, LLC and the subscriber acknowledge that, without limitation, the above-enumerated conditions cannot be the probable result of any breach of any agreement between Compass Investors, LLC and the subscriber.


Compass Investors, LLC makes no warranty and disclaims any warranty that the website or the information and services provided will be suitable for your purposes, meet your requirements or will be uninterrupted. Compass Investors, LLC makes no warranty and disclaims any warranty as to the results that may be obtained by you from use of the web site or information and services provided. No advice or information obtained by you from the web site or information and services provided shall create any warranty not expressly stated herein. Some states or jurisdictions do not allow the exclusion of implied warranties or limitations on how long an implied warranty may last, so the above limitations may not apply to you. In such cases, and to the extent permissible, any implied warranties are limited to ninety (90) days. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your viewing and/or use of information or services provided on this web site must be filed within one hundred and eighty (180) days after such claim or cause of action arose or be forever barred.


You agree that the liability of Compass Investors, LLC, its affiliates, agents, vendors, licensors, partners, and any service delivery sources, including your employer or your financial firm offering the Horizon service directly or indirectly, subsidized or unsubsidized, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with Compass Investors, LLC or the news and information in any publication or website shall not exceed the amount you paid to Compass Investors, LLC for the use of their services. You agree that if a legal claim is pursued and Compass Investors, LLC is found not to be at fault or to be liable, you will reimburse Compass Investors, LLC for all of the expenses, including attorney's fees, related to defending themselves against the claim. You agree that your access to and use of our services are at your sole risk. At our request you agree to defend, indemnify, and hold us, our employees, agents, officers, directors, agents, contractors, and other representatives harmless from and against all liabilities, damages, claims, actions, costs, expenses (including attorneys fees), in connection with or arising from your breach of this Agreement. By subscribing to a service or services of Compass Investors, you agree to indemnify Compass Investors, LLC and any affiliates from any liability, real or imagined. There is no implied or direct "advice" for any individual's situation, as that would require specific knowledge and understanding of the individual's situation that we neither request nor notice nor have. Under no circumstances will Compass Investors, LLC be liable for losses resulting directly or indirectly from the use or inability to use the Compass Investors services. The user, by using Compass Investors, LLC products or services, acknowledges this disclaimer and explicitly releases Compass Investors, LLC from any and all liability that may arise from content inaccuracy or omission whether intentional, or through negligence, or otherwise.

Jurisdiction and Applicable Law

The laws of the State of Nevada govern the Terms of Use without regard to its conflict of law provisions. If you take legal action relating to the Terms of Use, you agree that all questions, rights or controversies arising out of or relating to the services rendered shall be settled through binding arbitration under the provisions of the Nevada Uniform Arbitration Act. The failure of Compass Investors, LLC to exercise or enforce any right or provision of this Terms of Use shall not constitute a waiver of such right or provision.


If any provision of the Terms of Use is deemed unlawful, void or unenforceable for any reason, that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions.

Entire Agreement

The Terms of Use, Privacy Policy, User Agreement and Disclaimer constitute the entire agreement between you and Compass Investors, LLC relating to the use of this Web site. You may also be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software. Any rights not expressly granted herein are reserved.


This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this Agreement shall be governed by the laws of the United States of America and the State of Nevada, as if the Agreement was a contract wholly entered into and wholly performed within the State of Nevada. By subscribing to a service or services offered by Compass Investors, you are acknowledging that you have read this disclaimer, and agree that you are using the Compass Investors services for educational and informational purposes only. In no event will Compass Investors, LLC, its affiliates, agents, licensors, or vendors be liable to you or anyone else for any decision made or action taken by you in reliance on news and information presented in the website, newsletters and other materials. Compass Investors, LLC assumes no responsibility for the consequences of anyone acting upon this educational information.