Legal Notice
Published 24 October 2026 under the Companies Act 2006 and the Electronic Commerce (EC Directive) Regulations 2002.
1. Operator of this website
horizonquill.click, trading as Horizon Quill, is operated by:
Ramos Digital Ltd
71–75 Shelton Street, Covent Garden
London WC2H 9JQ
United Kingdom
Registered in England and Wales, company number 17403039. The address above is the company's registered office and its principal place of business.
2. How to reach us
Email: contact@horizonquill.click
Telephone: +44 20 7946 0518
Support hours: Monday to Friday, 9:00–18:00 GMT, excluding public holidays in England and Wales.
We answer email within one working day. There is no ticket system, no telephone menu and no requirement to open an account before contacting us.
3. Imprint
Titles sold here are published under the Quill Labs imprint, which is a trading name of Ramos Digital Ltd and not a separate legal entity.
4. VAT
Ramos Digital Ltd is not currently registered for UK VAT. Where sales tax, VAT or an equivalent is due in the buyer's country, it is calculated and shown at checkout before payment.
5. Responsibility for content
Ramos Digital Ltd is responsible for the content of this website. The guides sold here are works of general reference, written for a general adult readership and not tailored to any individual.
6. No financial or investment advice
Nothing on this website or in any guide sold here is financial, investment, tax, accounting or legal advice, and no part of it constitutes a personal recommendation or an invitation to buy or sell any financial product. The guides describe how systems generally work; they do not know your income, your debts, your household, your tax position or your jurisdiction. Ramos Digital Ltd is not authorised or regulated by the Financial Conduct Authority and does not carry on any regulated activity. Before acting on anything you read here, take advice from a qualified professional who knows your circumstances.
7. No medical or professional advice
Where a guide touches on stress, sleep, wellbeing or any other matter adjacent to health, it is written as general reading and is not medical, psychological, therapeutic or other professional advice. It is not a diagnosis, not a treatment plan and not a substitute for consulting a doctor or another qualified professional. Never delay or disregard professional advice because of something you read here.
8. No guaranteed results
We make no promise, express or implied, about any outcome you may obtain from reading or applying anything in these guides. We do not guarantee savings, income, debt reduction, credit score improvement, investment return, approval by any lender, or any other result. Outcomes depend on circumstances that are outside our knowledge and outside our control, and any example, figure or illustration given is for explanation only and is not a projection.
9. Copyright and licence
All text, cover artwork, page design and the Horizon Quill and Quill Labs names are protected by copyright and belong to Ramos Digital Ltd unless stated otherwise. Buyers receive a personal, non-transferable licence to read and print what they buy. Resale, republication, public posting and redistribution are not permitted.
10. External links
Where this site links to a third party, that link is provided for convenience. We do not control those sites and take no responsibility for their content or their handling of your data.
11. Online dispute resolution
Consumers in the European Union may use the European Commission's online dispute resolution platform. We would far rather you wrote to us first: almost everything is settled by one email.
12. Governing law
This notice and any dispute arising from it are governed by the law of England and Wales. Consumers keep the protection of the mandatory law of their own country of residence.
Contact
Ramos Digital Ltd, 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom · contact@horizonquill.click · +44 20 7946 0518, Monday to Friday, 9:00–18:00 GMT.