Terms

These Terms of Service (“Terms”) govern all professional services, programs, and products provided by Harbor (“we,” “us,” or “our”) to our clients (“you”). By booking, purchasing, or participating in any Harbor service, you acknowledge that you have read, understood, and agree to these Terms in full.

Project Initiation
Every Harbor engagement begins once we have:

• Your written approval of the Project Outline, which defines the expectations, deliverables, and boundaries of the service.

• Your initial payment — either in full, or the first non-refundable installment of an agreed payment plan.

• Any information or materials needed to begin the work (e.g., home access details, relevant files).

Payments
By submitting payment, enrolling in a program, or joining a payment plan, you agree to this section along with our Refund Policy and Cancellation Policy.

• Accepted Methods: Payments are processed digitally through Stripe unless another method is arranged in advance. We also accept check, Venmo, and Zelle for select services. Financing through Affirm or Klarna may be available at checkout for eligible purchases.

• Payment Due Dates & Installment Plans: Invoices and installment payments are due on or before the stated due date, and the first installment of a payment plan is due before services begin. If you’re enrolled in a recurring plan, you authorize us to automatically charge your card on the scheduled dates, and you’re responsible for keeping a valid payment method on file. Payment plans are offered for convenience only — enrolling doesn’t create a right to cancel or receive a partial refund, and you remain responsible for the full program balance even if you discontinue early. All installment agreements are subject to our Refund Policy.

• Late or Failed Payments: If an invoice isn’t paid by its due date, a $75 late fee applies for every 7 days the balance remains unpaid, accruing cumulatively until paid in full (e.g., 15 days late = $150; 22 days late = $225). If a scheduled charge fails due to an expired, declined, or invalid card, we’ll notify you and give you 5 business days to update your payment method before the late fee schedule applies. Services may be paused once a balance is more than 10 days past due, and may be canceled entirely if unresolved after 30 days. We reserve the right to withhold materials, documentation, or further scheduling until your account is current, and repeated failed payments may result in termination of services or referral to collections.

• Returned Checks: Checks must be made payable to Harbor and received by the invoice due date. A returned check is subject to a $35 fee and must be replaced with certified funds.

• Third-Party Financing: If you use a third-party financing provider (e.g., Affirm, Klarna), your agreement is with that provider, not Harbor. We’re not responsible for their terms, fees, or any disputes that arise from them.

Availability
We maintain consistent hours to ensure quality, presence, and care during every session. Our standard hours are Monday–Friday, 9:00 am–5:00 pm PT. Sessions and calls must be booked in advance through our calendar; after-hours communication or meetings are by appointment only, and messages received outside business hours are answered the next business day.

Timeliness & Client Responsibilities
Our work is collaborative and depends on timely communication from you.

• Client-Provided Information: Materials, documents, or feedback must be provided by the agreed start date. Delays may shift your project timeline and priority.

• Feedback Deadlines: If feedback or approval isn’t received within 10 business days, the work is considered approved by default. Changes requested afterward may incur additional fees.

• Extended Silence: If more than 30 days pass without communication from you, Harbor may consider the engagement complete and invoice for work completed to date.

Scope of Engagement
Your Harbor service includes only the deliverables defined in your Project Outline or invoice. Requests outside that scope require a separate estimate and invoice. Harbor determines, at its discretion, whether a new request falls within or beyond the original scope.

Safety & Access
For in-home or on-site services, you’re responsible for providing a safe, respectful, and accessible environment. Harbor may refuse entry, pause, or end a session if conditions are unsafe, unsanitary, or inappropriate — our cancellation fee still applies in these cases (see our Cancellation Policy).

Cancellations
Cancellations, rescheduling, and transfers are covered in our Cancellation Policy.

Intellectual Property & Use of Materials
All materials, templates, workbooks, systems, and digital tools we provide remain Harbor’s intellectual property. Upon full payment, you receive a non-exclusive, personal license to use them for your own household or estate planning purposes. You may not share, copy, or redistribute them without our written permission.

Portfolio & Educational Use
With your written consent, Harbor may share anonymized stories, visuals, or before-and-after examples for educational or promotional use. We will never disclose identifying details without your explicit approval.

Confidentiality
We treat everything you share with us — personal, financial, or emotional — as strictly confidential. Information is only disclosed to trusted contractors bound by confidentiality agreements, or as required by law. See our Privacy Policy for details on data storage and protection.

Third-Party Vendors
We may recommend or connect you with third-party services (e.g., shredding companies, storage providers, attorneys, or emergency suppliers). Harbor isn’t liable for their performance, fees, or outcomes. You are responsible for reviewing and accepting their terms before engaging them.

Refunds
Payments are non-refundable in accordance with our Refund Policy. If challenges arise, we encourage open communication and finding a positive path forward together.

Termination of Services
Either party may terminate services in writing at any time. If you terminate early, payments already made remain non-refundable, and any completed but unpaid work will be invoiced. Harbor may end services for unresolved non-payment (see Payments above), loss of communication, or a breakdown in mutual respect (see below). In all cases, we’ll make reasonable efforts toward a smooth, professional transition or closure.

Mutual Respect & Communication
We bring honesty, patience, and empathy to every interaction, and we expect the same in return. Disrespectful, aggressive, or manipulative behavior toward Harbor staff will not be tolerated and may result in immediate termination of services without refund.

Service Limitations & Disclaimer
Harbor is dedicated to doing excellent, thoughtful work, but outcomes depend significantly on your participation and follow-through. We can’t guarantee specific emotional, organizational, or financial results. Our services provide education, organization, and emotional support around end-of-life and home-preparedness topics. Harbor is not a licensed therapy, legal, or medical practice, does not provide diagnosis, treatment, or legal counsel, and our services don’t replace those. We’ll recommend licensed professionals when appropriate. See our Disclaimer for more detail.

Force Majeure
Harbor isn’t liable for delays or cancellations caused by circumstances beyond our reasonable control, including illness, weather, natural disasters, or technology outages. Affected sessions may be rescheduled without penalty.

Refusal of Service
Harbor may decline or discontinue a project that conflicts with our commitment to safety, compassion, and integrity — including anything that promotes harm, discrimination, or exploitation. Non-refundable payments remain governed by our Refund Policy.

Limitation of Liability
To the fullest extent permitted by law, Harbor’s total liability for any claim arising from our services is limited to the amount you paid for the service giving rise to the claim. Harbor is not liable for indirect, incidental, or consequential damages arising from the engagement.

Dispute Resolution
If a disagreement arises, we ask that you reach out directly so we can work toward a resolution in good faith. If we’re unable to resolve it together, disputes will proceed to mediation before either party pursues formal legal action.

Governing Law
These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

General Provisions
If any part of these Terms is found unenforceable, the remaining provisions stay in full effect. These Terms, together with our Privacy Policy, Disclaimer, Cancellation Policy, and Refund Policy, make up the entire agreement between you and Harbor. Harbor’s failure to enforce any part of these Terms at a given time doesn’t waive our right to enforce it later.

Changes to Terms
Harbor may update these Terms at any time. Changes apply prospectively and won’t affect ongoing projects initiated under a prior version. We believe in transparency and will never apply changes retroactively.