The information available through Compass Investors, LLC (hereinafter referred to as “CI”), including but not limited to the HORIZON reports and website and 401k CONTROL™ reports and website (hereinafter “Service”), is the property of CI and may be displayed, formatted and printed for your personal use only. Subscriber to services of CI (hereinafter “User”) agrees not to copy, give, broadcast, reproduce, modify, republish, upload, download, post, transmit, loan, rent, transfer, sell reverse engineer or otherwise distribute or circulate any information received directly or indirectly from CI to anyone, including, but not limited to, others in the same company or organization, without the express prior written consent of CI. User may not post any content from any CI publication, email or website to news groups, mail lists or electronic bulletin boards, without the prior written consent of CI. The use of any such materials on any other website or computer network is also prohibited. User may print out any of the materials from this site for User’s personal, non-commercial use only, provided User’s keep intact all copyright and other proprietary notices. Compass Investors Horizon, Compass Institute, LLC, CI and, its name, logos and content are trademarks of Compass Investors, LLC. All documents and presentation designs are intellectual property of CI 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. I understand that sharing the content of any HORIZON Action Report can cause significant harm and financial damage to Compass Investors, LLC. 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 violation of this non-sharing provision, CI reserves the right to 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.

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User's responsibility

User is responsible for Users own investment decisions. User understands that the User is assuming full responsibility for any investment decisions. All decisions to act, whether to reallocate, buy or sell, are the sole responsibility of the User. If User ignores its advice to do independent research of ETFs, industries, companies, mutual funds, and stocks, choosing instead to invest solely on information received from CI in any form, User has made a conscious, willing, free, and personal decision to do so. CI assumes no responsibility, and User agrees that under no circumstances will CI be liable for any losses incurred as a result of User’s following any recommendations discussed in any website, newsletter, email or other forms of communication. The actual investment choices are the sole responsibility of the User and may produce a gain or loss of investment capital for that User and/or tax liability.

Reported performance results are hypothetical

Performance information presented in charts and tables by CI unless otherwise noted represent hypothetical performance of the HORIZON™ strategy applied only to the funds included in HORIZON™ Model Portfolio. Model Portfolio performance is hypothetical (it does not reflect trading in actual accounts), assumes that fund trades, ETFs 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 hypothetical performance. Hypothetical or simulated performance results that have certain inherent limitations. Unlike the results shown in an actual performance record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown. Past performance is not a guarantee of future results, and actual results may differ from simulated performance being presented on this website.

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 publicly 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 hypothetical performance using proxy and benchmark funds.

Information is believed to be accurate

The material contained and described in any CI publication or website is intended to provide information considered to be accurate at the time of publication. However, the information contained on this Service is not represented or warranted to be accurate, correct, complete, or timely. However, no warranty, implied or otherwise, is extended by CI to the accuracy and/or quality of the materials delivered by CI.

As CI is not affiliated with any broker-dealer, registered investment adviser, mutual fund company or Plan Sponsor, the accuracy of the plan contents, including funds that may be added, deleted or modified, is dependent on User providing this information to CI. CI does not assume any responsibility for any errors or omissions that may occur during publication. Quotes and historical data provided to CI are from third party sources and are believed to be reliable, however CI cannot guarantee that they will always be available or accurate. While every attempt is made to ensure that information regarding the disclosure provided is accurate, no assurances or guarantees can be made. The sources of the data used on this website are believed by CI to be reliable, but the data's accuracy, completeness or interpretation cannot be guaranteed. Assumptions, opinions, and estimates are based on CI’s judgment as of the date of the published articles and/or content and are subject to change without notice.

Purpose of this service

CI publications and websites are an educational information service for investors/Users. The website and publications are designed to help Users 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, ETFs, mutual funds, stocks and other securities must be understood as informational in nature and not investment advice. The decision to use and any resulting implementation of the analysis provided by CI is the sole responsibility of the User.

As with any information found on the Site or in newsletters or in any other format, any information provided by CI via email or any other means, including by phone, does not constitute any financial advice. Do not seek personal financial advice from CI, whether by email, on social media, by phone or in any correspondence, because it cannot and will not be provided.

The securities or strategies mentioned in the Services may not be suitable for all types of investors/Users. The information contained in these Services does not constitute any advice, especially on the tax consequences of making any particular investment decision. The material on this Service is not intended for any specific type of investor/User and does not take into account an investor's/User’s particular investment objectives, financial situation or needs. Information and content on this Service is not intended as a recommendation of any securities highlighted or any particular investment strategy.

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 CI nor any of its owners, officers managers. members or employees shall be held liable for any damages, taxes, penalties or investment loss that may ensue from the use of such service. 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. Users should not act (or refrain from acting) based upon information in this site without independently verifying the information and obtaining professional advice regarding User’s 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 CI/ Horizon information delivery frequency. As a consequence of such rules and/or regulations, CI reserves the right to change the delivery frequency. User will be notified when and if rules and/or regulation changes occur and, in such cases, CI may or may not amend the subscription fees charged. However, the User’s right to cancel their subscription as per the cancellation terms of the Terms of Use shall always be in effect.


No one connected with CI 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 CI publications and websites are an independent electronic vehicle providing information on selected public companies, ETFs, mutual funds and other investment vehicles, and accepts no advertising. No one connected with CI sells any investment vehicle (stocks, ETFs, mutual funds, annuities) or provide Retirement Plan administrative services.

Users use of the website and publications

Users use of the web site, publications and the information and services provided therein are at User’s 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, ETFs or mutual funds. Nor shall it create any principal-agent relationship between User and CI. Past performance of CI’s profiled and/or recommended stocks, ETFs 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

CI is not representing itself as a broker dealer or registered investment advisor or financial planner nor does CI hold itself out to be and do not endorse or recommend the services of any such company. The entity User’s select to implement any of User’s chosen recommendations is solely responsible for its services to the User. CI furthermore directs all Users 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. User should not rely solely on the information contained in the CI website or newsletter. Rather, User should use the information contained in this website as a starting point for doing additional independent research on the featured recommendations.

Limitation on CI's Liability

CI 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 CI from the User in the last twelve (12) months. CI will not be liable for direct, consequential, incidental, punitive, special, exemplary or indirect damages (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the information contained on this website; and costs or expenses or legal fees or losses resulting directly or indirectly from the use of or reliance upon any material provided by CI. Without limitation, CI 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 User's inability to use or any delay in accessing CI website or any other source of material provided by CI; (3) any absence of material on CI website; (4) CI failure to deliver or delay in delivering any material; (5) any kind of error in transmission of material. CI and the User acknowledge that, without limitation, the above-enumerated conditions cannot be the probable result of any breach of any agreement between CI and the User; (6) inability to execute trades by User; or (CI) does not guarantee that the content will be available to the User by any specified time even if the CI has been advised of the possibility of such damages.


CI makes no warranty and disclaims any warranty that the website or the information and services provided will be suitable for User’s purposes, meet User’s requirements or will be uninterrupted. CI makes no warranty and disclaims any warranty as to the results that may be obtained by User’s from use of the web site or information and services provided. No advice or information obtained by User’s from the Services provided shall create any warranty not expressly stated herein.

Without limiting the foregoing, everything on the Site is provided to the User "as is" and limited to, the implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to every User. The User must check their local laws for any restrictions or limitations regarding the exclusion of implied warranties.

Before acting on any information found on the Service, Users should consider whether such information or any investment idea is suitable for their particular circumstances, perform their own due diligence, and if necessary, seek professional advice from a personal financial advisor.


The User agrees to indemnify, keep indemnified, defend and hold the CI and its parent companies, subsidiaries, affiliates and their respective officers, directors, employees, owners, agents, information providers and licensors, including CI, (collectively the "Indemnified Parties") harmless from and against any and all claims damages, liability, losses, costs and expenses (including legal fees) (whether or not foreseeable or avoidable) incurred or suffered by any Indemnified Party and any claims or legal proceedings which are brought or threatened arising from the User's use of, connection with or conduct on the Site or any breach by the User of these terms. CI reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, and in such case, the User agrees to co-operate with the defense of such claim.

User agrees that if a legal claim is pursued and CI is found not to be at fault or to be liable, User will reimburse CI for all of the expenses, including attorney's fees, related to defending themselves against the claim. User agrees that User’s access to and use of our services is at User’s sole risk. At our request User agrees 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 User’s breach of this Disclaimer and/or Terms of Use.

Jurisdiction and Applicable Law

The laws of the State of Nevada govern the Disclaimer without regard to its conflict of law provisions. If User takes legal action relating to the Disclaimer, User’s agree that all questions, rights or controversies arising out of or relating to the services with the exception of equitable relief rendered shall be settled through binding arbitration under the provisions of the Nevada Uniform Arbitration Act. The failure of CI to exercise or enforce any right or provision of this Disclaimer shall not constitute a waiver of such right or provision. All disputes seeking equitable relief will be decided by state or federal courts located in Cook County, Illinois.


If any provision of the Disclaimer 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 and Disclaimer constitute the entire agreement between User and CI relating to the use of this website. User may also be subject to additional terms and conditions that may apply when User use affiliate services, third party content or third-party software. Any rights not expressly granted herein are reserved.


This Agreement is personal to User, and User may not assign User’s 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. By subscribing to a Service offered by CI, User is acknowledging that User has read this Disclaimer, and agrees that User is using the CI services for educational and informational purposes only.