Template notice. This page is a starting point written to match the product specification. Have it reviewed and finalized by qualified legal counsel for the states in which you operate before launch.
1. About these terms
By using this website you agree to these terms. If you do not agree, please do not use the site. We may update these terms; the version in effect is the one published here when you use the site.
2. What we provide
harbor.credit provides tools and support relating to payment arrangements for rent, car insurance premiums and eligible credit-related bills. The calculators on this site produce estimates based on the amount you enter and the plan rules configured at that time. An estimate is not an offer, a quote, or an approved payment arrangement.
3. No guarantee of approval or outcome
Submitting an application does not create an approved payment arrangement. We do not guarantee approval. We do not guarantee any improvement to your credit score, the removal of accurate negative information from your credit file, or that any specific credit score will be reached or maintained. Outcomes depend on your individual circumstances, applicable law, and the terms of any agreement you enter into.
4. Fees and charges
All applicable fees and charges are disclosed on screen before you submit an application. Fees vary by service and plan and are set out in the plan summary you review. Where a percentage charge applies, it is applied only where legally permitted in the applicable jurisdiction.
5. Your responsibilities
- Provide accurate, complete and current information in your application.
- Use the site only for lawful purposes and only on your own behalf.
- Keep any account or reference details you receive confidential.
- Tell us promptly if your contact details or circumstances change.
6. Eligibility
You must be of legal age to enter into a contract in your state and be a U.S. resident with a valid address. Availability, plan terms and charges vary by state and are subject to applicable law, licensing and our review.
7. Estimated schedules
Payment dates shown in any estimated schedule are for planning only. Actual due dates, amounts and terms are set out in your agreement, which governs if it differs from anything shown on this site.
8. Third-party payment processing
Payments are processed by a PCI-compliant third-party payment processor under its own terms. We do not store sensitive card or bank account numbers on this website.
9. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential losses arising from your use of this website or reliance on calculator estimates. Nothing in these terms limits liability that cannot be limited under applicable law.
10. Contact
Questions about these terms can be sent through the Contact page or raised with an agent during business hours.