Terms of Use

1. Acceptance

These Terms of Use govern your access to and use of harborplain.com(the “Site”) and its calculators, trackers, guides, and emails (together, the “Services”). If you do not agree, please do not use the Services.

2. Not professional advice

HarborPlain publishes general educational information. It is not financial, legal, tax, insurance, or medical advice, and using the Site does not create any professional or advisory relationship. Our calculators produce estimates, not quotes, offers, or recommendations. Insurance premiums, tax rules, contribution limits, and similar figures change and vary by individual circumstance and jurisdiction.

Always consult a qualified professional — such as a licensed insurance agent, financial advisor, attorney, or physician — before making decisions based on information from this Site.

3. Eligibility

You must be at least 18 years old (or the age of majority where you live) to subscribe to emails or otherwise provide personal information.

4. Accuracy and availability

We work to keep content accurate and current (see our Editorial Policy), but we make no guarantee that information or tool outputs are complete, error-free, or applicable to your situation. We may change, suspend, or discontinue any part of the Services at any time.

5. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose;
• Attempt to disrupt, overload, scrape at scale, or gain unauthorized access to the Site or its systems;
• Copy, republish, or redistribute substantial portions of our content without permission.

6. Intellectual property

The Site’s content, design, and branding are owned by HarborPlain or its licensors and are protected by applicable laws. You may view and share links to our content for personal, non-commercial use. All other rights are reserved.

7. Third-party links and advertising

The Site contains advertising and links to third-party websites. We do not control and are not responsible for third-party content, products, or practices. Advertising does not influence our editorial content (see Editorial Policy).

8. Email and reminders

If you subscribe, you consent to receive the emails you requested. You can unsubscribe at any time using the link in any email. See our Privacy Policy for how we handle your data.

9. Disclaimer of warranties

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of liability

To the fullest extent permitted by law, HarborPlain and its contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your reliance on the Services or on estimates produced by our tools.

11. Changes to these terms

We may update these terms from time to time. Changes take effect when posted, as reflected in the “Last updated” date above. Continued use of the Site means you accept the updated terms.

12. Governing law

These terms are governed by the laws applicable at HarborPlain’s place of establishment, without regard to conflict-of-law principles. (The governing jurisdiction will be finalized before public launch.)

13. Contact

Questions about these terms? Email hello@harborplain.com or visit our contact page.