Terms and Conditions

1. Acceptance of Terms

By accessing or using the Harborne website, requesting information, or engaging with any services offered by Harborne (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Services.

2. Description of Services

Harborne provides information and tools related to capital optimisation and reporting intended to assist small businesses in understanding and managing certain aspects of their financial operations. The Services are provided for general informational and operational support purposes and do not constitute financial, investment, tax, or legal advice.

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice, and without liability for any such changes.

3. Eligibility

By using the Services, you represent that you are at least 18 years of age, are acting on behalf of a legitimate business entity where applicable, and have the authority to enter into these Terms on behalf of yourself or your organisation.

4. Use of the Website and Services

You agree to use the website and Services only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, the Services by any third party. Prohibited activities include, without limitation:

• Attempting to gain unauthorised access to any systems or data
• Submitting false, misleading, or fraudulent information
• Interfering with or disrupting the operation of the website
• Using automated means to extract data without permission
• Reproducing, duplicating, or reselling any part of the Services without authorisation

5. Account and Information Accuracy

Where any form of account, dashboard access, or submission process is provided, you are responsible for maintaining the confidentiality of any credentials associated with your access and for ensuring that any information you provide to Harborne is accurate and kept up to date. Harborne is not responsible for any loss arising from inaccurate information supplied by you.

6. No Financial or Investment Advice

Nothing on the Harborne website or within the Services should be construed as a recommendation, offer, or solicitation to engage in any particular financial strategy or transaction. Any decisions made by you or your business in reliance on information provided through the Services are made at your own discretion and risk. You should seek independent professional advice before making financial decisions.

7. Intellectual Property

All content on the Harborne website, including text, graphics, logos, and software, is the property of Harborne or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of the Services without prior written consent.

8. Fees and Payment

Where applicable, any fees associated with the Services will be communicated to you in advance. Continued use of paid features constitutes acceptance of the applicable fee structure. Harborne reserves the right to amend pricing with reasonable notice.

9. Termination

Harborne reserves the right to suspend or terminate your access to the Services at its discretion, including where these Terms have been breached, without prior notice where circumstances warrant. You may discontinue use of the Services at any time.

10. Limitation of Liability

To the fullest extent permitted by law, Harborne shall not be liable for any indirect, incidental, special, or consequential damages, or for any loss of profits, revenue, data, or business opportunity arising from or related to your use of, or inability to use, the Services. The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

11. Indemnification

You agree to indemnify and hold Harborne, its directors, employees, and affiliates harmless from any claims, damages, liabilities, and expenses arising out of your use of the Services or your breach of these Terms.

12. Third-Party Links and Services

The website may contain links to third-party websites or services that are not owned or controlled by Harborne. We are not responsible for the content, privacy practices, or terms of any third-party sites and encourage you to review their respective policies.

13. Changes to These Terms

Harborne may update these Terms from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. The updated version will be indicated by a revised "Last updated" date. Continued use of the Services following any changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. [This section should be reviewed and confirmed to match your actual legal jurisdiction.]

15. Contact

Questions regarding these Terms should be directed to Harborne through the contact channels provided on our website.