Payments

Accepted Payment Methods.
All payments for Harbor programs, services, and products are processed digitally through Stripe, unless another method is arranged in advance. We also accept check, Venmo, or Zelle for select services. Financing options such as Affirm and Klarna may be available for eligible purchases at checkout.

1. Payment Terms.

   • All invoices and installment payments are due on or before the stated due date.

   • For payment plans, the first installment must be received before services begin.

   • By submitting payment, you agree to these terms and to all related Refund and Cancellation policies.

2. Recurring Payments.

   • If you are enrolled in a recurring payment plan, you authorize Harbor to automatically charge your card on the scheduled dates.

   • You are responsible for maintaining an active and valid payment method.

   • If a payment fails or your card expires, your program or services may be paused until payment is successfully processed and the balance is current.

3. Late Payment Fees.

   • Payments not received by the due date will incur a $75 late fee for every 7 calendar days the balance remains unpaid.

   • Late fees are cumulative and will continue to accrue until the balance is paid in full.

   • Example: If payment is 15 days late, the late fee totals $150; if 22 days late, $225.

   • Services may be paused once a payment is more than 10 days past due, and may be canceled entirely after 30 days if unresolved.

   • Harbor reserves the right to withhold materials, documentation, or further scheduling until the account is settled.

4. Failed or Rejected Payments.

   • If a transaction fails (e.g., expired, declined, or invalid card), we will send a notification requesting updated payment information.

   • If the issue is not resolved within 5 business days, services will be paused until a valid payment method is restored.

   • Repeated failed payments may result in service termination or referral to collections.

5. Checks & Alternative Payment Methods.

   • Checks must be made payable to Harbor and received by the invoice due date.

   • Returned checks are subject to a $35 returned item fee and must be replaced with certified funds.

   • Venmo and Zelle payments must include your invoice number or service name in the memo line.

6. Installment Plan Terms.

   • Clients using payment plans agree to pay the entire program balance, even if they discontinue participation early.

   • Payment plans are provided for convenience and do not imply any right to cancel or receive a partial refund.

   • All installment agreements are subject to our Refund Policy.

7. Suspension or Termination for Non-Payment.

   • Harbor reserves the right to pause, reschedule, or terminate services if payment is overdue, declined, or otherwise not honored.

   • Services will resume once the account is current and a valid payment method is active.

8. Third-Party Financing.

   • If you use a third-party payment provider (e.g., Affirm, Klarna), your financial agreement is with that provider, not Harbor. We are not responsible for any financing terms, fees, or disputes arising from those agreements.

9. Acknowledgement.
   By submitting payment, enrolling in a program, or joining a payment plan, you acknowledge that you have read and agree to this Payment Policy, along with our Refund Policy and Cancellation Policy.