Same note as the privacy policy: this is plain English on purpose. We’ve written it carefully and reviewed it ourselves, but we’re not lawyers and this isn’t legal advice. It sets out the sensible, honest ground rules for using the site — nothing buried, nothing tricky.
Last updated: June 14, 2026
The short version
This is an educational publication about racehorse ownership. Read it, learn from it, enjoy it — but it’s information, not professional advice, and certainly not a tip sheet. Don’t copy our writing wholesale, don’t misuse the site, and understand that owning racehorses carries real financial risk that no article can remove.
1. Who these terms are between
These terms are an agreement between you and Race Horse Ownership 101 (“RHO101,” “we,” “us”), which publishes at racehorseownership101.com. By using the site, you agree to them. If you don’t, that’s fine — but please don’t use the site.
2. What this site is
Race Horse Ownership 101 is an educational publication. We write about how racehorse ownership works — the costs, the structures, the realities — to help people make informed decisions. Everything here is general information for a general audience.
3. What this site is not
This is the part worth reading twice. Nothing on this site is financial, investment, legal, tax, or veterinary advice. We are not your advisor. Racehorse ownership is a serious financial commitment that can — and frequently does — lose money. Nothing we publish is a recommendation to buy, claim, syndicate, or invest in any horse, partnership, or arrangement. Before you make any ownership or financial decision, get advice from a qualified professional who knows your specific situation. If you act on something you read here, you do so on your own judgement and at your own risk.
4. Accuracy, and the limits of it
We work hard to be accurate and honest — it’s the whole point of the publication. But we can’t guarantee everything is complete, current, or error-free, and the racing world changes. We may update or correct articles at any time. Don’t treat anything here as the final, authoritative word on a matter that affects your money.
5. Our content belongs to us
The writing, images, and design on this site are ours (or used with permission), and they’re protected by copyright. You’re welcome to read, share links, and quote us briefly with credit. You may not republish our articles in full, pass our work off as your own, or use it commercially without asking us first.
6. Using the site properly
Please don’t try to break, overload, scrape wholesale, or interfere with the site, and don’t use it for anything unlawful. We may restrict access to anyone who does.
7. Links to other places
Sometimes we link to other websites for context. We don’t control them and aren’t responsible for their content or their privacy practices. A link isn’t an endorsement.
8. Signing up
If you give us your email, your information is handled as described in our Privacy Policy. You’re responsible for giving us an address that’s actually yours.
9. The legal limits
To the fullest extent the law allows: the site and its content are provided “as is,” without warranties of any kind; and Race Horse Ownership 101 is not liable for any loss or damage arising from your use of the site or your reliance on anything published here — including, especially, financial losses connected to racehorse ownership decisions. Some places don’t allow certain limits like these, so parts of this section may not apply to you; where that’s the case, our liability is limited to the smallest amount the law permits.
10. Changes to these terms
We may update these terms from time to time. When we do, we’ll change the “last updated” date above. Continuing to use the site after a change means you accept the updated terms.
11. Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to conflict-of-law rules. Any dispute will be handled in the courts located there.
12. Reaching us
Questions about these terms? Email us at hello@racehorseownership101.com.