Effective September 5, 2026

Terms of Use

These terms govern use of Harbor Retirement, a personal financial and retirement-planning application.

Planning purpose

Harbor organizes information and provides planning calculations, estimates, explanations, and prompts. Harbor does not execute transactions, move money, place trades, or guarantee investment performance or retirement outcomes. Information in Harbor is not a substitute for individualized investment, tax, legal, accounting, or benefits advice.

Your information and account connections

You are responsible for reviewing information you enter or authorize Harbor to receive. Financial account connection is optional and user-authorized. If available, you may disconnect an institution through Harbor. Use of connected information is also governed by the Privacy Policy and the notices presented during Plaid Link.

Account security

You are responsible for protecting your Harbor credentials and authentication factors, using Harbor only through authorized access, and reporting suspected unauthorized access promptly. Do not share passwords, one-time codes, or recovery codes.

Availability and changes

Harbor may be updated, interrupted, or withdrawn. Features and provider availability may change. Material changes to these terms will be reflected by an updated effective date.

Acceptable use

Do not attempt to access another person’s information, bypass security controls, interfere with the service, introduce malicious code, or use Harbor unlawfully.

Contact

Questions about these terms may be emailed to retirementharbor@gmail.com or submitted through the method described on the Support page.