Acceptance of the Terms of Service

Thank you for visiting HarborPension.com, a product and service of Harbor Inc. ( "Harbor," "Company", "we" or "us"). The terms to follow, together with the documents and schedules they incorporate by reference govern your use of HarborPension.com and all affiliated features, products, sites, and services, (the "Service" or "Services" or the "Site").

By using these Services, or registering to use features of this Service you represent and warrant that you are of legal age of majority in the jurisdiction in which you reside in order to use these Services. By your use of these Services, you agree to abide by these Terms of Service and all related policies.

Please read these Terms of Service closely before you start to use the Service as they set forth your rights and your obligations under the law.

Harbor Services

HarborPension.com offers services for purposes of general education and information collection on topics of general interest including personal finance, financial management theory, health, and wellness gathered from a diversity of sources.

Although all sources are believed reliable, and the information contained in the Site is assembled for the benefit of potential Harbor Inc. customers and general readers, we are unable to verify the accuracy of all such information, nor the applicability of general, anecdotal or statistical information to every individual consuming it.

These services are provided as a tool or guide, you acknowledge that you shall not unreasonably or unquestioningly rely on them. Further, in matters related to your finances, health, or investment strategies you acknowledge that you are advised to seek advice of relevant professionals in law, tax or business as may be needed to make independent, informed judgements and decisions.

Reliance on Site Information

Harbor cannot take on the verification, review and/or update of all information posted. Harbor does not represent or warrant the accuracy, completeness, or usefulness of any information offered through this service or any related Sites. It is our goal to provide users useful and reliable information, but you must consult the relevant professionals and experts before using any information contained or provided for any decision-making purposes. You agree and acknowledge that any reliance you place on information found through the Site or the Service is strictly at your own risk acknowledging the limitations of such information. Harbor disclaims all liability and responsibility arising from any reliance placed on such information by you or any other visitor to the Service, or by anyone who may be informed of any of its contents.

Informational

All information contained in the Service and associated materials, or further materials requested or provided by Harbor is for general informational purposes as a service to Harbor customers and to Internet users interest in the topics covered herein. All materials are based upon information publically available from sources believed to be reliable. We have not verified this information and we do not guarantee its quality, veracity, completeness, timeliness or accessibility. Any information contained in or provided by the service is not a substitute for obtaining advice from an expert, licensed professional. No information herein, constitutes an offer to sell or a solicitation to buy a security, service or product.

Some of the products described herein may only be sold by appropriately licensed insurance companies and agents. Some, many, or all products described herein may be unavailable to you due to jurisdiction, licensure requirements, or other eligibility. No information available through this service is intended to be share with or direct to individuals or organizations for whom such products or services would be prohibited by law or other reason.

We work with licensed insurance producers and is licensed to sell fixed annuity products with whom we may share your contact information.

No information provided through this site is meant as a solicitation or a replacement for advice from an authorized, duly licensed professional.

Adjustments to the Terms of Service

We may change, revise, and alter these Terms of Service at any time at our discretion. Changes are effective immediately after they are posted. Your use of the Service following the an change or revision or alteration of the Terms of Service is your acceptance of the changes. You should examine this page and the terms contained herein for changes each time you access this Service / Site so you are aware of any changes and their impact on you.

Intellectual Property

All content contained in or provided by the Site and the Service are the property of the Company, its licensors, or other related third parties. This content includes but is not limited to language, images, designs, layouts, audio and video, text, software, information etc. These materials are protected by intellectual property law of the US and international law.

Users agree not to use, produce, distribute, modify, create, display, transmit, or store, any materials from our Site or Service with the following exceptions:

You must not:

Trademarks

The website, service, product, and Company name, the term HARBORPENSION.COM and all related names are intellectual property of the Company and / or the related parties of the Company. Prior consent must be obtained before using marks and names of the Company and its related parties.

Links

Links from the Site or Service to the sites of third parties are not under the control of the Site or Service and we accept no responsibility for them or any loss or damage that results from the use of them. Using such links is entirely at your own risk.

Disclaimer of Warranties

USE OF THE SERVICE AND ALL RELATED ELEMENTS IS AT YOUR OWN RISK. SERVICES ARE PROVIDED TO THE EXTENT AVAILABLE AND ARE PROVIDED WITHOUT REPRESENTATION OR WARRANTY TO THE VERACITY, RELIABILITY, USEFULNESS, ETC. OF THE SERVICES. THERE CAN BE NO ASSUMPTION THAT WHAT IS PROVIDED IS TRUE OR ACCURATE OR ERROR FREE OR THAT ANY PROBLEM WILL BE CORRECTED. ANY USE OF THE SITE IS AT THE RISK OF THE USER.

THE COMPANY DISCLAIMS WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO WARRANTIES NON-INFRINGEMENT AND USEFULNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT DISCLAIM RESPONSIBILITIES OR WARRANTIES REQUIRED UNDER THE LAW.

Limited Liability

THE COMPANY AND RELATED PARTIES WILL NOT BE LIABLE FOR YOUR USE OF THE SITE OR SERVICES OR YOUR INABILITY TO USE THE SITE OR SERVICES OR RELATED TO ANY THIRD PARTY SITES OR SERVICES. THE COMPANY AND ITS DIRECTORS, EMPOYEES, SERVICE PROVIDERS, AND RELATED PARTIES WILL NOT BE HELD LIABLE RELATED TO THE USE OR NONUSE OF THE SITE OR ANY DIRECT OR INDIRECT, SPECIAL OR INCIDENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO ANY THAT ARE RELATED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOATIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF DATA OR ANYTHING ELSE, EXCEPT AS REQUIRED OR EXCLUDED BY LAW.

Indemnification

By use of the Site or Services, you agree to indemnify and hold harmless the Company and its related parties against any claims or liabilities or damages or other similar items arriving out of or related to your violation of the Terms of Service or your use of the Service or your use of any information obtained in use of the Site or Service.

Governing Law

These terms of service will be governed by Delaware law, without regard to its conflicts of laws principles. RELATED TO ANY CLAIM BROUGHT BY ANY PARTY, YOU AGREE TO SUBMIT AND CONSENT TO THE PERSONAL AND EXCLUSIVE JURISDICTION IN, AND THE EXCLUSIVE VENUE OF, THE STATE AND FEDERAL COURTS LOCATED WITHIN DELAWARE.

Help, Violations, Concerns

This website is operated by Harbor Inc.

Requests for assistance, questions about this policy, reports of violations of this policy, or help with the Site or Services should be directed to: info@harborpension.com.