Terms of Service

Using Harbr

Harbr provides tools for recording and understanding personal income, expenses, savings, and financial goals. You are responsible for information you add, import, or approve and for keeping your account access secure.

Use Harbr only in ways permitted by law. Do not attempt to disrupt the service, access another person’s account or data, or use the service to upload harmful or unlawful material.

Your financial information

You retain your rights to the financial information you submit. You allow Harbr to process it as needed to provide, secure, and improve the features you use, as described in the Privacy Policy.

You are responsible for checking imported, categorized, or SMS-suggested records. Harbr can make mistakes when interpreting data; review entries before relying on them.

Android transaction-message feature

If you enable SMS transaction detection, you authorize the app to read transaction-related messages for the purpose of suggesting financial records. Suggestions require your review and approval before becoming confirmed transactions. You can revoke SMS permission through your device settings.

You are responsible for ensuring you have the right to use the device and messages with this feature. Do not use it to access messages belonging to another person without their permission.

Calculators and financial information

Harbr calculators provide estimates and general educational information. Results depend on the values and assumptions you enter, including returns, inflation, taxes, fees, and timing. Actual results can differ substantially.

Calculator outputs are not financial, investment, tax, or legal advice, and are not a promise or guarantee of future performance. Consider your circumstances and consult a qualified professional before making important financial decisions.

Service availability and changes

Harbr may change, suspend, or discontinue features to maintain or improve the service, address security issues, or meet legal requirements. The service may occasionally be unavailable or contain errors. Keep your own copy of important records; export tools are provided for that purpose.

Limits of responsibility

To the extent permitted by applicable law, Harbr is provided without a guarantee that it will always be uninterrupted, error-free, or suitable for every purpose. Nothing in these terms limits rights or remedies that cannot lawfully be limited.

To the extent permitted by law, Harbr is not responsible for losses resulting from decisions made solely on calculator estimates, incorrect information supplied to the service, or interruptions outside its reasonable control.

Account closure and updates to these terms

You can request account deletion through account settings. Harbr may restrict or close access when needed to protect the service, comply with law, or respond to serious misuse.

These terms may be updated as Harbr changes. The latest version and date will appear here. Continued use after updated terms take effect means the updated terms apply, subject to rights available under applicable law.