Terms of Service

By accessing or using Harbor (the "Service"), operated by Phillips Harbor LLC ("Company", "we", "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

Harbor is a governed equity operations platform that provides signal analysis, probability computations, portfolio monitoring, and multi-agent decision support tools. Harbor is a software tool for analysis and does not provide investment advice, broker-dealer services, or portfolio management services.

You must be at least 18 years old and legally able to enter into contracts. By using Harbor, you represent that you meet these requirements. Harbor is intended for use by individuals who understand the risks associated with securities trading and financial markets.

You must create an account to access Harbor's platform features. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to notify us immediately of any unauthorized access to your account.

Harbor offers tiered subscription plans (Base, Advanced, Premium, Quant) with monthly billing through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis. You may cancel your subscription at any time through the billing portal. Cancellation takes effect at the end of the current billing period. We reserve the right to change pricing with 30 days notice.

You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to any part of the Service; (c) interfere with or disrupt the Service; (d) use automated means to access the Service beyond normal API usage within your tier; (e) redistribute, resell, or sublicense access to the Service; (f) use the Service to manipulate markets or engage in fraudulent trading activity.

All content, features, and functionality of Harbor — including the probability engine, agent system, governance framework, and user interface — are owned by Phillips Harbor LLC and protected by intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service for your personal or internal business purposes.

Your use of the Service is subject to our Privacy Policy. We process your data as described therein. You retain ownership of any data you input into the Service. We do not sell your personal data.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PHILLIPS HARBOR LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY TRADING DECISIONS MADE BASED ON INFORMATION PROVIDED BY THE SERVICE.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

Harbor is not a registered investment advisor, broker-dealer, or financial planner. The probability computations, signal analysis, agent recommendations, and other outputs of the Service are for informational and educational purposes only. They do not constitute investment advice. See our full Investment Disclaimer for details.

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination shall survive.

These Terms shall be governed by the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Cook County, Illinois.

We reserve the right to modify these Terms at any time. We will notify you of material changes via email or through the Service. Your continued use after changes constitutes acceptance.

Questions about these Terms? Contact us at legal@phillipsharbor.com or Phillips Harbor LLC, Chicago, IL.