Terms of Service

Harbor helps you organize financial and household information, store documents, and prepare instructions that a person you designate (a “successor”) may access in an emergency.

Harbor is a software tool. It is not a law firm, financial adviser, bank, fiduciary, or estate planner. Harbor does not provide legal, financial, tax, or estate-planning advice. Nothing you create in Harbor — including any successor designation — is a will, trust, power of attorney, beneficiary designation, or other legal instrument, and it does not by itself grant anyone legal authority over your accounts, property, or estate.

You are responsible for maintaining your actual legal and estate-planning documents with qualified professionals. Harbor is a place to organize information, not a substitute for those documents.

You must be at least 18 years old and able to form a binding contract to use Harbor. By using Harbor you represent that you meet these requirements.

You are responsible for your account and for the information you store in it. You agree to:

• Provide accurate account information and keep it current
• Set up and maintain two-factor authentication, which Harbor requires
• Keep your credentials and recovery codes secure, and not share them
• Notify us promptly at help@harborvaults.com if you suspect unauthorized access

Two-factor authentication is required for all accounts. If you lose access to your authenticator and your recovery codes, we may be unable to restore access to your account. Because of how Harbor protects your data, there are situations in which lost credentials cannot be recovered.

You keep all rights to the information and documents you store in Harbor (“Your Content”). You grant us only the limited permission needed to store, process, secure, back up, and display Your Content to you and to your designated successor, and to operate the service. We do not use Your Content for advertising, and we do not use it to train AI models.

You are responsible for Your Content and for having the right to store it. You agree not to use Harbor to store or share anything unlawful, or to store another person's information without a lawful basis to do so.

Harbor lets you designate a successor who may receive access to your vault under conditions you set. You understand and agree that:

• You choose your successor and the scope of what they may access
• A successor must complete two-factor authentication before accessing anything
• When a successor requests access, a waiting period applies during which you are notified and may cancel
• If you do not respond within that period, access may be granted automatically, because the feature is designed for circumstances in which you cannot respond

You are responsible for choosing a successor you trust and for keeping that designation current. Harbor is not responsible for a successor's use or misuse of access that you configured. A successor designation in Harbor has no independent legal effect and does not override a will, trust, beneficiary designation, or applicable law.

Harbor is offered on a subscription basis. By subscribing, you authorize us (through our payment processor, Stripe) to charge your payment method on a recurring basis until you cancel. Prices are as displayed at the time of purchase.

30-day money-back guarantee

If you are not satisfied with Harbor for any reason, contact us at help@harborvaults.com within 30 days of your initial purchase and we will issue a full refund of that payment.

Cancellation

You can cancel at any time. Cancellation stops future charges and takes effect at the end of your current billing period, so you keep access through the period you have already paid for. We do not automatically prorate or refund partial periods after the initial 30-day window, except where required by law.

Renewals

Subscriptions renew automatically until cancelled. We charge the payment method on file through Stripe at the price shown at the time of renewal. You can cancel before a renewal to avoid the next charge.

Your data if billing lapses

If a payment fails or your subscription lapses, we do not delete your data. Your household is frozen rather than erased, so you can restore access by resolving the billing issue. You are responsible for any applicable sales or use taxes where required.

You agree not to: use Harbor for any unlawful purpose; attempt to gain unauthorized access to any account, system, or data; interfere with or disrupt the service; reverse-engineer or misuse the service; or use Harbor to harm others. We may suspend or terminate accounts that violate these Terms.

Harbor is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that Harbor will be uninterrupted, error-free, or available at any particular time, or that it will meet your requirements.

You are responsible for maintaining your own copies of important information. Harbor provides an export feature for this purpose, and we encourage you to keep an independent copy of anything critical.

To the fullest extent permitted by law, Grollman Holdings LLC and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of data, profits, or goodwill, arising out of or relating to your use of or inability to use Harbor, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to Harbor or these Terms will not exceed the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. In that case our liability is limited to the greatest extent permitted by law.

You agree to indemnify and hold harmless Grollman Holdings LLC and its owners, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of Harbor, Your Content, your violation of these Terms, or your violation of any law or the rights of another.

You may stop using Harbor and delete your account at any time. We may suspend or terminate your access if you violate these Terms or if we are required to by law. On termination, the provisions of these Terms that by their nature should survive — including Sections 8, 9, 10, and 12 — will survive.

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to Harbor or these Terms will be brought in the state or federal courts located in Illinois, and you consent to their jurisdiction.

This section explains how Harbor uses cookies and similar technologies (such as local storage, pixels, and web beacons).

Essential cookies

Required to run Harbor — for example, to keep you signed in, remember your session, and protect your account. Harbor will not work properly without them.

Analytics cookies

Used to understand how Harbor is used — such as how many people visit, which pages they view, and how the service performs — so we can improve it. This information is used in aggregate.

Advertising and marketing cookies

We may use advertising and marketing technologies (such as Google Analytics or advertising pixels from platforms like Google or Meta) to measure our marketing and reach people who may benefit from Harbor. Any such technologies relate to marketing our service and are never applied to the contents of your vault.

Your choices

Most browsers let you block or delete cookies through their settings. Blocking essential cookies may prevent Harbor from working. Where the law requires your consent for non-essential cookies, we will ask for it before using them, and you will be able to change your choice.

We may update these Terms as Harbor evolves. If a change is material, we will take reasonable steps to notify you. Your continued use after a change means you accept the updated Terms.

Questions about these Terms: help@harborvaults.com. Harbor is operated by Grollman Holdings LLC.