Terms

Who provides Harbor

Harbor is provided by Kenetic, LLC, a limited liability company organized under the laws of the Commonwealth of Kentucky (“Harbor,” “we,” or “us”). By creating an account or using Harbor, you agree to these Terms.

Harbor is a planning tool, not an adviser

Harbor is a planning and organization tool. It does not provide financial, legal, tax, or investment advice, and nothing in Harbor is a recommendation to take or not take any financial action.

Harbor shows the numbers you enter — and, if you connect a bank, the numbers your institution reports — organized. Harbor does not verify hand-entered records, and synced records are only as accurate as what your institution provides. Your totals reflect those sources.

You are responsible for your own financial decisions. For advice about your situation, consult a qualified professional.

Your numbers: entered by hand or synced from your bank

Manual entry is a permanent part of Harbor, not a stopgap. Every record you enter by hand stays exactly that — yours, entered by you or a member of your household.

On paid plans, you can also choose to connect financial accounts through Plaid, our bank-connection provider. Bank syncing is read-only: Harbor can see account names, balances, transactions, and loan details your institution shares — it cannot move money, make payments, or change anything at your bank. Connecting an account is always a choice, never a requirement, and you can disconnect a linked institution at any time from Settings.

When you connect an account, you also agree to Plaid's terms and their End User Privacy Policy. Synced records come from your institution as Plaid provides them; they can lag or occasionally contain your bank's errors, and Harbor displays them as received.

Harbor is early software

Harbor is in active development and is being tested with a limited group of users. Features may change, break, or be removed. Data loss, downtime, and defects are possible. Please keep your own records of anything you cannot afford to lose.

Features described as planned or coming are not promises of delivery.

Eligibility and your account

You must be at least 18 years old and able to form a binding contract to create a Harbor account. The only exception is a person aged 16 or 17 invited to a Family household by their parent or legal guardian. By sending that invitation, the parent or guardian consents to the teen's account, accepts these Terms on the teen's behalf, and is responsible for the teen's use of Harbor.

You are responsible for providing accurate account information, for keeping your sign-in credentials secret, and for activity that happens through your account. Enter only records you are authorized to manage. Tell us promptly if you believe your account has been accessed without your permission.

A Harbor household may include people you invite. Anyone with active access to your household can see and change that household's records.

Acceptable use

Do not use Harbor for unlawful purposes, to interfere with or disrupt the service, to attempt to access accounts or data that are not yours, to probe or test our systems without permission, or to reverse engineer the service except where that restriction is unenforceable by law.

Your records

The financial records you enter remain yours. You grant Harbor only the permission needed to store, process, and display them so the service can work for you and your household. Harbor does not sell your financial data or use it to build advertising profiles.

With Harbor Plus, you can download the records you have entered as category-by-category CSV files from Settings while signed in.

Plans, payment, and renewal

Harbor's free plan is free — no payment method is collected or held for free accounts, and manual features stay free.

Paid subscriptions (currently Harbor Plus) are sold by Kenetic, LLC and billed through our payment processor, Stripe. Before you subscribe, you will see exactly what the plan costs, and nothing is ever charged without your explicit agreement.

Subscriptions renew automatically — monthly plans each month, annual plans each year — until you cancel. Before an annual plan renews, we email you a reminder in advance. You can cancel at any time in Settings → Plan → Manage subscription → Cancel subscription and confirm; cancellation stops future charges and your paid features continue through the end of the period you've already paid for. Our Refund & Cancellation Policy is part of these Terms — including our 30-day guarantee on your first paid subscription.

If a renewal payment fails, your paid features continue during a 7-day grace period while payment is retried. If payment doesn't succeed, your household moves to the free plan — and nothing you've entered or synced is deleted.

Prices may change. If the price of a plan you subscribe to increases, we will email you at least 30 days before a renewal at the new price. The notice will state the new recurring charge, when it takes effect, and how to cancel before it applies. Sales tax is added at checkout where your state requires it and is shown before you agree; Kentucky charges 6% on this kind of service.

Availability and changes to the service

Harbor may be corrected, changed, interrupted, or discontinued at any time, in whole or in part. We will try to give reasonable notice of significant changes when we can.

Ending your account

You can start a deletion request from Settings while signed in. This opens an email to Harbor; the request is not submitted or acknowledged automatically. Because Harbor holds financial records, sending the email begins a manual identity-verification process rather than deleting immediately. The Privacy page describes what happens and when.

We may suspend or end access to Harbor if these Terms are breached, if required by law, or if continuing to provide the service to an account creates a security or legal risk.

Disputes: arbitration and class waiver

We hope never to need this section, and most problems are solved faster with an email to support@harborfinancialapp.com. If a dispute does arise that we cannot resolve informally, you and Kenetic, LLC agree to resolve it through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. This arbitration agreement is governed by the Federal Arbitration Act. Arbitration is seated in Kentucky; hearings may be held by telephone or video at your election. The AAA's consumer fee schedule applies.

Before starting arbitration, the party bringing the dispute must give the other party written notice describing the dispute and requested relief. You can send your notice to support@harborfinancialapp.com; we will send ours to your account email. We will both try in good faith to resolve the dispute for 30 days after receipt of that notice. This step does not restrict the small-claims or court-relief exceptions below.

The arbitrator has exclusive authority to decide disputes about the interpretation, applicability, scope, or enforceability of this arbitration agreement, including whether a claim must be arbitrated. Questions about whether an agreement was formed, and the enforceability of the class waiver, remain for a court to decide.

Class waiver: disputes will be resolved on an individual basis only. Neither of us may bring or participate in a class, consolidated, or representative action, to the fullest extent permitted by law.

What this doesn't cover: either of us may bring an individual claim in small-claims court instead, and either of us may seek injunctive relief in court for infringement or misuse of intellectual property or unauthorized access to the service. Nothing in this section waives rights that cannot be waived under applicable law.

Your right to opt out: you may opt out of this arbitration agreement entirely by emailing support@harborfinancialapp.com with the subject "Arbitration opt-out" within 30 days of first accepting these Terms. Opting out does not affect any other part of the Terms.

This section survives the end of your account.

Governing law and venue

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to its conflict-of-laws rules. Subject to the Disputes section above, you and Kenetic, LLC agree that the state and federal courts serving Franklin County, Kentucky have exclusive jurisdiction over any dispute arising out of or relating to Harbor or these Terms.

Changes to these Terms

We may update these Terms as Harbor changes. For material changes, we will email account holders a notice they can keep explaining the change, when it takes effect, and how to cancel. We will ask you to accept the new Terms before you continue using the service; the date and version you accepted are recorded. You can manage or cancel your subscription without accepting the new Terms at Manage subscription.

Contact

Mailing address: Kenetic, LLC, 100 Forest Ridge Drive, Frankfort, KY 40601.

Questions about these Terms can be sent to support@harborfinancialapp.com.