Terms & Conditions

Harbor Wealth LLC

Effective Date: 03/20/2026

BINDING LEGAL AGREEMENT — READ BEFORE USING. THESE TERMS CONTAIN MANDATORY INDIVIDUAL ARBITRATION, A CLASS ACTION PROHIBITION, A JURY TRIAL WAIVER, A MONETARY CAP ON LIABILITY, AND OTHER PROVISIONS THAT SUBSTANTIALLY LIMIT YOUR LEGAL REMEDIES. ACCESSING, BROWSING, SUBSCRIBING TO, OR RECEIVING ANY COMMUNICATION FROM HARBOR WEALTH LLC CONSTITUTES YOUR UNCONDITIONAL ACCEPTANCE. IF YOU DO NOT AGREE, STOP USING THE PLATFORM IMMEDIATELY AND UNSUBSCRIBE FROM ALL COMMUNICATIONS.

PART I — AGREEMENT FORMATION

1.1 Parties and Scope

These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Harbor Wealth LLC (“Company,” “we,” “our,” or “us”), a limited liability company organized under the laws of Wyoming, United States. These Terms govern your access to and use of https://harborwealthpro.com and every related website, newsletter, email publication, landing page, and digital channel operated or distributed by Harbor Wealth LLC (collectively, the “Platform”).

These Terms should be read together with our Privacy Policy, which describes our data-collection and data-handling practices — including our specific obligations regarding health information under Article X of the Privacy Policy — and which forms part of the agreement between you and Harbor Wealth LLC. In the event of any conflict between these Terms and the Privacy Policy, these Terms shall control.

1.2 Eligibility

The Platform is available exclusively to individuals who are at least eighteen (18) years of age and possess full legal capacity to enter into a binding contract under applicable law. Access by any person under eighteen is strictly and unconditionally prohibited.

Consistent with the Children’s Online Privacy Protection Act (“COPPA”), 15 U.S.C. § 6501 et seq., the Company does not knowingly collect personal information from children under thirteen (13). If such information is inadvertently received, the Company will delete it promptly. Notify the Company at support@harborwealth.comif you believe a child under thirteen has interacted with the Platform.

You bear sole responsibility for confirming that access to and use of the Platform is lawful in your jurisdiction.

1.3 Definitions

As used throughout these Terms — and as referenced in our Privacy Policy — the following defined terms carry the meanings set out below:

“Publications” means every article, newsletter, email, health commentary, dietary supplement review, editorial analysis, opinion, chart, graphic, video, data set, hyperlink, and any other informational or editorial material published or distributed through the Platform, in any format.

“Protected Parties” means Harbor Wealth LLC and every person or entity in its operational sphere — comprising its managers, members, officers, employees, contractors, technology vendors, data licensors, advertising and sponsorship counterparties, and every entity in a parent, subsidiary, or affiliate relationship with Harbor Wealth LLC — whether liability is asserted against any one individually, jointly, or as a group.

“Health Content” means any Publication that discusses, references, or relates to dietary supplements, nutraceuticals, functional foods, vitamins, minerals, herbal products, wellness protocols, medical research, clinical studies, nutrition science, or any other health-adjacent subject matter.

1.4 International Access

The Platform is operated from the United States and principally directed at U.S. users. Access from outside the United States is at your own initiative and risk, and you bear sole responsibility for compliance with all laws applicable in your jurisdiction, including those governing health information services, consumer protection, data privacy, and electronic communications. Where applicable international law independently imposes obligations on the Company — including under Regulation (EU) 2016/679 (“GDPR”) — the Company will seek to fulfill those obligations as they specifically apply to its activities, without constituting a general submission to any foreign regulatory authority.

PART II — NATURE OF THE PLATFORM

2.1 Health and Wellness Media Publisher Only

Harbor Wealth LLC is a health and wellness media publishing company. Its operations are limited to producing and distributing editorial Publications about dietary supplements, nutrition science, consumer health news, wellness topics, and related subjects for a general readership. None of those activities places the Company within the regulatory perimeter applicable to healthcare providers, medical device manufacturers, pharmaceutical companies, dietary supplement manufacturers, registered dietitians, licensed practitioners, or any other participant in the regulated healthcare sector.

For complete clarity: Harbor Wealth LLC does not provide clinical care or medical treatment of any kind; does not diagnose, treat, cure, or prevent any disease or health condition; does not prescribe, dispense, or recommend specific dosages of any dietary supplement, medication, or therapeutic agent to any individual; does not hold a National Provider Identifier (NPI), Drug Enforcement Administration (DEA) registration, or any license or permit issued by a state medical, pharmacy, or healthcare licensing board; does not accept health insurance or participate in any government healthcare program; and does not create any patient-provider, prescriber-patient, or other clinical relationship with any user.

2.2 Comprehensive Disclaimer of Medical and Professional Advice

NOTHING CONTAINED IN THE PLATFORM — WHETHER IN THE FORM OF ARTICLES, NEWSLETTERS, EMAIL PUBLICATIONS, HEALTH CONTENT, SUPPLEMENT REVIEWS, CLINICAL RESEARCH SUMMARIES, EDITORIAL OPINIONS, NUTRITIONAL GUIDANCE, OR ANY OTHER PUBLICATIONS — CONSTITUTES OR SHOULD BE CONSTRUED AS: (A) MEDICAL ADVICE, A MEDICAL DIAGNOSIS, A TREATMENT PLAN, OR A PRESCRIPTION; (B) DIETARY OR NUTRITIONAL ADVICE SPECIFIC TO YOUR INDIVIDUAL HEALTH STATUS; (C) A RECOMMENDATION TO START, STOP, OR MODIFY ANY MEDICATION, SUPPLEMENT, OR THERAPEUTIC PROTOCOL; (D) INVESTMENT ADVICE, FINANCIAL PLANNING, OR WEALTH-MANAGEMENT GUIDANCE; (E) TAX ADVICE OR LEGAL ADVICE; (F) A SOLICITATION TO PURCHASE ANY DIETARY SUPPLEMENT, HEALTH PRODUCT, OR FINANCIAL INSTRUMENT; (G) A PERSONALIZED SUITABILITY ASSESSMENT OR INDIVIDUALIZED HEALTH RISK EVALUATION; OR (H) ANY OTHER PROFESSIONAL ADVICE REQUIRING LICENSURE, REGISTRATION, OR REGULATORY AUTHORIZATION.

Publications reflect the views of their authors as of the date of initial publication and are furnished on a strictly “as-is” basis. Discussion of specific supplements, Health Content, or medical research is included for general informational and educational purposes only and is not directed at any particular user’s health circumstances.

BEFORE MAKING ANY HEALTH DECISION — INCLUDING STARTING OR STOPPING A SUPPLEMENT, CHANGING YOUR DIET, BEGINNING OR ENDING A MEDICATION, OR RESPONDING TO A HEALTH SYMPTOM — YOU MUST CONSULT A LICENSED AND QUALIFIED HEALTHCARE PROFESSIONAL WHOSE PRACTICE COVERS THE SUBJECT MATTER AT HAND. HARBOR WEALTH LLC ACCEPTS NO ACCOUNTABILITY FOR THE OUTCOME OF ANY HEALTH-RELATED DECISION MADE IN CONNECTION WITH THE PLATFORM.

2.3 Regulatory and Licensing Status

Harbor Wealth LLC does not hold, and has never held, any registration, license, permit, or authorization from the U.S. Food and Drug Administration (“FDA”), the Federal Trade Commission (“FTC”), any state health or pharmacy board, or any other domestic or foreign healthcare or financial regulatory body in connection with providing healthcare, supplement manufacturing, or financial services. Without limiting the foregoing:

• the Company is not a healthcare provider, hospital, clinic, or any other entity subject to HIPAA as a Covered Entity or Business Associate;
• the Company does not manufacture, distribute, formulate, or quality-test any dietary supplement or health product;
• the Company is not registered with the SEC, FINRA, or any state securities regulator;
• no fiduciary, advisory, therapeutic, or professional-client relationship is created by a user’s receipt or use of any Publication; and
• the Company does not hold, manage, or exercise control over any user’s health data, financial assets, or personal records.

PART III — HIPAA, HEALTH DATA, AND MEDICAL DISCLAIMERS

3.1 HIPAA Applicability

The Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), as amended by the Health Information Technology for Economic and Clinical Health Act (“HITECH”) and implementing regulations at 45 C.F.R. Parts 160 and 164, establishes standards for the protection of individually identifiable health information held by Covered Entities and their Business Associates.

Harbor Wealth LLC is a digital media publisher. In the ordinary course of its editorial and email marketing operations, it does not provide healthcare services, conduct electronic healthcare transactions, or maintain designated record sets containing Protected Health Information (“PHI”) as those terms are defined in 45 C.F.R. § 160.103. Accordingly, Harbor Wealth LLC is not a Covered Entity under HIPAA, and HIPAA’s Privacy Rule (45 C.F.R. Part 164, Subpart E) and Security Rule (45 C.F.R. Part 164, Subpart C) do not govern data collected from newsletter subscribers and website visitors in the ordinary course of the Company’s publishing business.

3.2 No Patient-Provider Relationship

No use of the Platform — including reading Publications, subscribing to newsletters, or communicating with the Company — creates a patient-provider relationship, a prescriber-patient relationship, a therapist-client relationship, or any other clinical or therapeutic relationship between you and Harbor Wealth LLC or any of its personnel, authors, or contributors. No author, editor, or contributor of any Publication is acting in a professional healthcare capacity in connection with the Platform.

3.3 Voluntary Submission of Health Information

The Company does not solicit, request, or require you to submit PHI or any other individually identifiable health information through the Platform. Subscription forms and registration processes request only basic contact details. In the event that you voluntarily submit information that could be characterized as health-related — for example, in a contact inquiry or survey response — the Company will:

1. process such information only to the minimum extent necessary to respond to your communication;
2. not incorporate such information into marketing, analytics, or audience-profiling activities without your explicit, documented consent;
3. apply reasonable technical and administrative safeguards appropriate to the sensitivity of the data; and
4. not disclose such information to third parties except as required by applicable law or as strictly necessary to address your inquiry.

The data-handling practices described above are complemented by the detailed provisions of Article X of our Privacy Policy, which sets out the Company’s full framework for managing health-related information, including its HIPAA analysis, supplement disclaimers, and emergency medical guidance.

3.4 Dietary Supplement and Health Product Disclaimers

STATEMENTS REGARDING DIETARY SUPPLEMENTS, NUTRACEUTICALS, VITAMINS, MINERALS, HERBAL PRODUCTS, OR OTHER HEALTH-RELATED ITEMS PUBLISHED THROUGH THE PLATFORM HAVE NOT BEEN EVALUATED BY THE U.S. FOOD AND DRUG ADMINISTRATION. THESE PRODUCTS ARE NOT INTENDED TO DIAGNOSE, TREAT, CURE, OR PREVENT ANY DISEASE. NOTHING IN THE PLATFORM CONSTITUTES A MEDICAL DIAGNOSIS, TREATMENT RECOMMENDATION, PRESCRIPTION, OR CLINICAL PROTOCOL FOR ANY INDIVIDUAL USER.

(a) Individual Results. Any testimonials, case studies, or individual outcomes referenced in Publications are not representative of typical results. Individual outcomes vary significantly based on factors including age, health status, genetics, dietary habits, activity levels, compliance, and other variables outside the Company’s control or knowledge.

(b) Drug Interactions and Contraindications. Dietary supplements may interact with prescription medications, over-the-counter drugs, and other supplements. The Platform does not provide individualized information about drug interactions or contraindications. You must consult your prescribing physician, pharmacist, or licensed healthcare provider before combining any supplement with any medication or before use if you have an existing medical condition.

(c) Pregnancy, Nursing, and Special Populations. Publications do not address the specific health needs or risks associated with pregnancy, nursing, pediatric populations, geriatric populations, or individuals with chronic medical conditions. You must obtain clearance from a qualified healthcare provider before using any supplement if you fall within any of these categories.

(d) No FDA Approval. Dietary supplements are regulated as a category of food under the Dietary Supplement Health and Education Act of 1994 (“DSHEA”) and are not subject to pre-market approval by the FDA. The Company does not verify whether any supplement referenced in Publications has been tested for safety, purity, potency, or efficacy.

3.5 Emergency Medical Disclaimer

THE PLATFORM IS NOT DESIGNED, EQUIPPED, OR INTENDED TO PROVIDE EMERGENCY MEDICAL ASSISTANCE OF ANY KIND. IF YOU OR ANY OTHER PERSON IS EXPERIENCING A MEDICAL EMERGENCY, CALL 911 (UNITED STATES) OR YOUR LOCAL EMERGENCY SERVICES NUMBER IMMEDIATELY, OR PROCEED TO THE NEAREST EMERGENCY MEDICAL FACILITY WITHOUT DELAY. DO NOT ATTEMPT TO CONTACT HARBOR WEALTH LLC OR RELY ON ANY PUBLICATION IN CONNECTION WITH A MEDICAL EMERGENCY. DELAY IN SEEKING EMERGENCY CARE COULD RESULT IN SERIOUS INJURY OR DEATH.

3.6 Mental Health Disclaimer

Publications may from time to time discuss topics related to mental health, stress management, sleep, cognitive function, or emotional well-being in the context of general wellness content. Such Publications are provided for general informational purposes only and do not constitute mental health counseling, psychotherapy, psychological assessment, or psychiatric treatment. If you are experiencing a mental health crisis, thoughts of self-harm, or a psychiatric emergency, please contact the 988 Suicide and Crisis Lifeline (call or text 988), the Crisis Text Line (text HOME to 741741), or your local emergency services.

PART IV — EDITORIAL STANDARDS AND CONTENT DISCLOSURES

4.1 Editorial Purpose

All Publications are created and distributed for journalistic, editorial, educational, and informational purposes only. No Publication is intended to manipulate, artificially inflate, artificially deflate, or otherwise exert undue influence on consumer purchasing decisions through deceptive health claims or manufactured urgency.

4.2 Conflicts of Interest

The Company, its affiliates, principals, employees, contractors, and contributors may hold financial interests in companies whose products or services are discussed in Publications, including equity positions, consulting arrangements, or compensation from affiliate relationships. Such interests are not disclosed on a per-publication basis. You are expressly cautioned that the financial interests of the Company or its personnel may influence editorial coverage of particular products, companies, or research findings.

4.3 AI-Assisted Content

The Company may employ artificial-intelligence tools, including large language models and automated text-generation systems, to assist in drafting, editing, or reformatting Publications. Human editorial review is applied before publication; however, AI-assisted output may contain inaccuracies, outdated information, errors regarding supplement ingredients or dosages, or fabricated citations or research findings. No AI-assisted Publication constitutes personalized health guidance, individualized medical analysis, or a clinically validated health recommendation. Users should independently verify health information before acting upon it.

4.4 Third-Party Research and Data

Publications may reference or summarize third-party clinical studies, academic research, regulatory guidance, and other external sources. The Company does not independently verify the accuracy, methodology, peer-review status, or current validity of any cited research. The scientific understanding of dietary supplements, nutrition, and health is continuously evolving; Publications may not reflect the most current research or regulatory positions. Users should consult primary sources and qualified healthcare professionals before drawing conclusions from any health research discussed in Publications.

PART V — COMMERCIAL RELATIONSHIPS AND FTC COMPLIANCE

5.1 FTC Material-Connection Disclosure

This Part V constitutes the Company’s standing disclosure of material commercial relationships, consistent with the FTC’s endorsement and testimonials framework at 16 C.F.R. Part 255. Each individual Publication or outbound email in which a specific compensation arrangement is operative will carry a targeted disclosure positioned where users encounter it before or alongside the commercially connected material. The data collected in connection with affiliate and advertising activity is described in Article VIII of our Privacy Policy.

5.2 Revenue Sources and Compensation Structures

The Company receives compensation from third-party advertisers, affiliate networks, sponsors, and commercial partners. Compensation may be structured as a fee per click (CPC), a fee per completed action or acquisition (CPA), a revenue-sharing arrangement, a fixed-fee sponsorship, or a hybrid model combining elements of the foregoing.

5.3 Categories of Promoted Products

Products and services promoted through the Platform may include, without limitation: dietary supplement brands and nutraceutical manufacturers; health technology platforms and wellness applications; subscription-based health research and medical news services; fitness equipment and exercise programs; personal care and beauty products with wellness positioning; insurance products; and other consumer health offerings from third-party partners.

5.4 Affiliate Links

Links embedded within the Platform — in emails, website articles, and newsletters — may be affiliate links. Clicking an affiliate link and completing a qualifying action may generate compensation for the Company. You should presume that any outbound link to a third-party product or service in the Platform may carry affiliate compensation.

5.5 No Endorsement or Efficacy Certification

A compensation relationship does not constitute an endorsement, guarantee, warranty, efficacy certification, or safety assurance of any product or service. The Company does not independently test, clinically evaluate, or verify the health claims made by any advertiser or affiliate partner. You are solely responsible for evaluating the safety, efficacy, regulatory compliance, and suitability of any health product before purchasing or using it.

5.6 Potential Influence on Coverage

Commercial relationships may affect which products receive editorial coverage, their prominence and positioning, the tone applied, and the frequency of mention. Factor the potential for commercial influence into your independent evaluation of any Publication.

PART VI — EMAIL MARKETING COMPLIANCE

6.1 CAN-SPAM Compliance

The Company’s commercial email practices comply with the CAN-SPAM Act (15 U.S.C. § 7701 et seq.). Each commercial email includes: (i) accurate identification as a commercial communication; (ii) a valid physical mailing address; (iii) a clear and conspicuous opt-out mechanism; and (iv) non-deceptive subject lines and header information. Opt-out requests are processed within ten (10) business days of receipt. For a description of how personal data collected through our email program is used, stored, and protected, please refer to Article VI of our Privacy Policy.

6.2 Consent and Scope of Communications

By providing your email address — directly or through a lawful third-party source — you consent to receive electronic communications from the Company and its affiliates, including Health Content newsletters, supplement commentary, promotional messages, and third-party commercial offers. Electronic communications satisfy any legal writing requirement to the fullest extent permitted by law. The data-handling practices governing your email address and engagement data are described in Article VI of our Privacy Policy.

6.3 How to Opt Out

To withdraw consent, click the unsubscribe link in any commercial email or contact support@harborwealth.comwith a written removal request. The Company will process your request within ten (10) business days. The Company maintains suppression procedures — including matching against suppression lists before every campaign — to prevent re-contact. Opting out of commercial email does not affect receipt of non-commercial, transactional, or relationship-based messages.

6.4 SMS and Mobile Messaging

If the Company transmits text messages, SMS, MMS, or other mobile communications, such transmissions may be subject to the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. § 227, and applicable state telemarketing laws. Where required, the Company will obtain prior express written consent. Reply “STOP” or contact support@harborwealth.com to opt out of mobile messages. Mobile opt-out does not cancel email subscriptions, and vice versa.

PART VII — USER OBLIGATIONS AND RISK ACKNOWLEDGMENTS

7.1 Representations and Warranties

By accessing or using the Platform, you represent and warrant that, as of each date of access:

5. you are at least eighteen (18) years of age and legally competent to enter into these Terms;
6. your jurisdiction does not prohibit access to the Platform or receipt of Publications;
7. you are not listed on, and are not owned or controlled by any entity listed on, any sanctions register maintained by OFAC, the U.S. Department of State, the European Union, or any other applicable authority;
8. you will not use the Platform for any unlawful purpose;
9. you will conduct your own independent research and consult qualified healthcare professionals before making any health, supplement, or medical decision, and will not rely solely on Publications as the basis for such decisions;
10. you have read, understood, and accepted all disclaimers and risk disclosures in these Terms; and
11. all personal information you provide is accurate, current, and complete.

7.2 Voluntary Assumption of Risk

BY ACCESSING OR USING THE PLATFORM YOU EXPRESSLY ACKNOWLEDGE AND VOLUNTARILY ASSUME ALL RISKS ASSOCIATED WITH: (A) HEALTH, SUPPLEMENT, DIETARY, OR WELLNESS DECISIONS MADE ON THE BASIS OF OR IN CONNECTION WITH ANY PUBLICATION; (B) THE USE OF ANY DIETARY SUPPLEMENT OR HEALTH PRODUCT REFERENCED IN THE PLATFORM; (C) THE POSSIBILITY THAT PUBLICATIONS MAY BE INACCURATE, INCOMPLETE, OUTDATED, OR NOT APPLICABLE TO YOUR INDIVIDUAL HEALTH CIRCUMSTANCES; (D) ENGAGEMENT WITH THIRD-PARTY ADVERTISERS, AFFILIATES, OR SPONSORS; AND (E) ALL OTHER RISKS INHERENT IN OR ARISING FROM YOUR USE OF THE PLATFORM. YOU AGREE THAT THE PROTECTED PARTIES ARE NOT RESPONSIBLE FOR ANY HEALTH OUTCOME, FINANCIAL LOSS, OR OTHER DAMAGE RESULTING FROM YOUR USE OF OR RELIANCE ON THE PLATFORM.

7.3 No Right of Reliance

Publications are general background reading for an informed adult audience — they are not clinical protocols, individualized prescriptions, or substitutes for professional healthcare advice. You have no right to treat any Publication as a directive to take or refrain from any health-related action. You alone bear full responsibility for every health, dietary, and wellness decision you make, regardless of whether any Publication played any role in forming your views.

You further represent, as a material condition of the Company’s willingness to make Publications available, that no Publication has constituted, or will constitute, the sole or indispensable basis for any health-related decision you make. To the fullest extent permitted by law, you irrevocably discharge the Protected Parties from any claim premised on the proposition that reliance on any Publication caused you health or financial harm.

7.4 Duty to Consult Healthcare Professionals

Any decision that carries potential health consequences — including starting or stopping a supplement, changing your diet, modifying medication, or interpreting health symptoms — requires consultation with a qualified, licensed healthcare provider whose practice is appropriate to the subject matter. Harbor Wealth LLC accepts no liability for outcomes arising from bypassing that obligation.

7.5 California Residents — CCPA / CPRA

California residents hold privacy rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (“CCPA/CPRA”), including the right to know what personal data the Company holds, to request deletion, correction, and portability, and to opt out of the sale or sharing of personal data. The full procedure for submitting a verifiable consumer request — including identity verification requirements, response timelines, and instructions for authorized agents — is set out in Article XI of our Privacy Policy. To initiate a request, contact support@harborwealth.com with the subject line “California Privacy Rights Request.”

7.6 Legal Compliance

You will comply with all applicable local, state, federal, and international laws in connection with your use of the Platform, including all applicable healthcare regulations, export-control laws, and trade-sanction programs.

7.7 Accessibility

The Company is committed to making the Platform accessible to users with disabilities, consistent with the Americans with Disabilities Act and applicable accessibility standards. Contact support@harborwealth.com if you encounter accessibility barriers.

PART VIII — LIMITATION OF LIABILITY, INDEMNIFICATION, AND WARRANTIES

8.1 Exclusion of Certain Damages

THE PROTECTED PARTIES’ LIABILITY IS LIMITED TO DIRECT, DOCUMENTED, AND CAUSALLY TRACEABLE LOSSES ONLY. RECOVERY IS NOT AVAILABLE FOR ANY LOSS THAT IS INDIRECT, CONSEQUENTIAL, DERIVATIVE, PUNITIVE, OR SPECULATIVE, INCLUDING WITHOUT LIMITATION: LOST PROFITS OR REVENUES; HEALTH OUTCOMES, MEDICAL COSTS, OR PHYSICAL HARM ARISING FROM RELIANCE ON ANY PUBLICATION OR SUPPLEMENT USE; DATA CORRUPTION OR LOSS; REPUTATIONAL HARM; MISSED OPPORTUNITIES; INVESTMENT OR FINANCIAL LOSSES; AND ANY HARM ARISING FROM INTERVENING ACTIONS OF THIRD PARTIES OR EVENTS BEYOND THE COMPANY’S CONTROL. THIS EXCLUSION APPLIES REGARDLESS OF HOW THE CLAIM IS FRAMED AND REGARDLESS OF WHETHER THE COMPANY HAD PRIOR NOTICE OF THE POSSIBILITY OF SUCH HARM.

8.2 Aggregate Monetary Cap

THE AGGREGATE LIABILITY OF ALL PROTECTED PARTIES FOR ALL CLAIMS OF ANY NATURE ARISING FROM OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (I) ONE HUNDRED UNITED STATES DOLLARS (US $100.00); OR (II) AMOUNTS ACTUALLY PAID BY YOU TO THE COMPANY, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS CAP IS A SINGLE AGGREGATE FIGURE — IT DOES NOT MULTIPLY PER CLAIM, INCIDENT, PUBLICATION, OR COMMUNICATION. WHERE APPLICABLE LAW ESTABLISHES A MANDATORY MINIMUM RECOVERY FLOOR THAT CANNOT BE CONTRACTUALLY REDUCED, THE PROTECTED PARTIES’ LIABILITY SHALL NOT FALL BELOW THAT FLOOR.

8.3 Specific Exclusions

The foregoing caps apply without exception to losses arising from: (a) health, dietary, or supplement decisions made in connection with any Publication; (b) reliance on health claims or product descriptions in any Publication; (c) transactions with third-party advertisers, affiliates, or sponsors; (d) unauthorized access to or compromise of your personal data; (e) errors, omissions, or AI-generated inaccuracies in any Publication; (f) third-party platform failures; and (g) linked third-party destinations.

8.4 Jurisdictional Savings

In jurisdictions that restrict exclusion or limitation of certain liability categories, the Protected Parties’ liability is limited to the maximum extent permitted by applicable law.

8.5 Indemnification

You agree to indemnify, defend — using counsel of the Company’s choosing — and hold each Protected Party harmless from all claims, suits, proceedings, losses, liabilities, damages, costs, and expenses (including attorneys’ fees) arising from or related to: (a) your use of the Platform; (b) health, dietary, or supplement decisions you make in connection with Publications; (c) your breach of these Terms, the Privacy Policy (including violations of the data-handling commitments in Article X of the Privacy Policy), or applicable law; (d) your dealings with third-party advertisers or affiliates; (e) material you submit; (f) your infringement of any third-party right; and (g) any dispute between you and a third party relating to the Platform. This obligation survives termination.

8.6 Warranty Disclaimer

THE PLATFORM AND ALL PUBLICATIONS ARE PROVIDED STRICTLY ON AN ‘AS-IS,’ ‘AS-AVAILABLE,’ AND ‘WITH-ALL-FAULTS’ BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES — EXPRESS, IMPLIED, AND STATUTORY — INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; ANY WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; ANY WARRANTY AS TO THE ACCURACY, CURRENCY, COMPLETENESS, OR RELIABILITY OF ANY PUBLICATION, INCLUDING AI-ASSISTED CONTENT; AND ANY WARRANTY THAT USE OF THE PLATFORM OR RELIANCE ON ANY PUBLICATION WILL PRODUCE ANY PARTICULAR HEALTH, FINANCIAL, OR OTHER OUTCOME.

PART IX — INTELLECTUAL PROPERTY

9.1 Ownership

All written Publications, graphics, logos, trademarks, trade dress, domain names, software, and other intellectual-property assets in the Platform belong to the Company or its licensors and are protected by U.S. and international law.

9.2 Limited License

Subject to compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform for personal, non-commercial informational purposes only.

9.3 Prohibited Uses and Anti-Scraping

You may not reproduce, redistribute, modify, adapt, commercially exploit, or create derivative works from any Publication without prior written authorization. You agree not to use any automated mechanism — bots, crawlers, scrapers, data-harvesting pipelines, AI training scrapers, or equivalent tools — to access, copy, index, or extract any element of the Platform, regardless of purpose or volume. Unauthorized use may result in civil and criminal liability.

PART X — GOVERNING LAW AND DISPUTE RESOLUTION

10.1 Governing Law

These Terms are governed by the internal substantive law of the State of Wyoming, United States, without regard to conflict-of-laws principles. The Federal Arbitration Act, 9 U.S.C. §§ 1-16, governs the interpretation, validity, and enforcement of the arbitration agreement below.

10.2 Mandatory Pre-Dispute Notice

Before initiating arbitration, the claimant must deliver a written Notice of Dispute to the other party identifying the claimant, describing the facts and legal basis of the claim in reasonable detail, and stating the specific relief sought. Notices from users must be sent to support@harborwealth.com. Following delivery of a valid Notice, the parties shall engage in good-faith informal resolution efforts for thirty (30) calendar days before any arbitration demand may be filed.

10.3 Binding Individual Arbitration

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM — INCLUDING QUESTIONS OF ARBITRABILITY — THAT CANNOT BE RESOLVED INFORMALLY SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) UNDER ITS CONSUMER ARBITRATION RULES THEN IN EFFECT. IF THE AAA CANNOT SERVE, THE PARTIES WILL AGREE ON AN ALTERNATIVE, OR A COURT WILL APPOINT ONE. THE SEAT OF ARBITRATION SHALL BE CASPER, WYOMING, UNITED STATES, OR REMOTELY BY VIDEOCONFERENCE WHERE THE RULES PERMIT. THE ARBITRATOR’S AWARD IS FINAL AND MAY BE ENTERED AS A JUDGMENT IN ANY COMPETENT COURT.

10.4 Mass Arbitration Protocol

If fifty (50) or more substantially similar claims against the Company are filed by the same counsel or coordinated claimants (a “Mass Filing”), claims will be processed through a staged selection: an initial cohort of up to fifteen (15) cases per side will be resolved first; all remaining claims will be stayed pending those outcomes. First-cohort results serve as settlement reference material. Filing costs will be allocated consistently with this structure.

10.5 Class Action Waiver

YOU AND THE COMPANY AGREE THAT ALL DISPUTES WILL BE RESOLVED EXCLUSIVELY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY INITIATE, JOIN, OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. IF THIS WAIVER IS FOUND VOID OR UNENFORCEABLE, OR ARBITRATION IS ORDERED ON A CLASS BASIS, THE ENTIRE ARBITRATION AGREEMENT IN SECTION 10.3 IS NULL AND VOID.

10.6 Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY IRREVOCABLY WAIVES THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING FROM OR RELATING TO THESE TERMS OR THE PLATFORM.

10.7 Fallback Jurisdiction

If arbitration is found inapplicable or unenforceable, both parties irrevocably submit to the exclusive jurisdiction of the federal and state courts in Natrona County, Wyoming, United States, and waive all objections to venue, personal jurisdiction, and forum non conveniens.

10.8 Statute of Limitations

TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CLAIM MUST BE FILED WITHIN ONE (1) YEAR AFTER IT ACCRUES; OTHERWISE IT IS PERMANENTLY BARRED.

PART XI — GENERAL PROVISIONS

11.1 No Duty to Update

The Company has no obligation to update, correct, or remove any Publication after initial distribution, regardless of new developments or discovered errors. Publications are current only as of their original publication date.

11.2 Anti-Money Laundering

The Company is a media publisher, not a financial institution subject to the Bank Secrecy Act, 31 U.S.C. § 5311 et seq. It does not verify the source of any funds users may invest or spend in connection with health products or services referenced in Publications. Each user is solely responsible for compliance with all applicable AML, KYC, and counter-terrorism-financing obligations.

11.3 Third-Party Links

The Platform may link to third-party websites and resources not controlled by the Company. The Company is not responsible for their content, privacy practices, accuracy, or availability. Interaction with any third-party resource is at your sole risk.

11.4 Force Majeure

The Company is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, pandemics, governmental actions, infrastructure outages, and cyberattacks.

11.5 Equitable Relief

Violations of the intellectual-property and anti-scraping provisions may cause irreparable harm. The Company may seek injunctive and other equitable relief from any competent court without posting bond or quantifying damages in advance.

11.6 Assignment

You may not assign these Terms without the Company’s written consent. The Company may assign freely without notice, including in connection with a merger, acquisition, or asset sale. Unauthorized assignments are void.

11.7 Severability and Non-Waiver

If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions remain in effect. Failure to enforce any right is not a waiver; waivers must be in writing and signed by an authorized Company representative.

11.8 Amendments

The Company may modify these Terms at any time. Changes take effect on posting with an updated Effective Date. Continued use constitutes acceptance. Material changes will be notified as required by law.

11.9 Entire Agreement

These Terms, together with the Privacy Policy and any documents expressly incorporated by reference, constitute the entire agreement between the parties and supersede all prior negotiations, representations, and understandings.

11.10 Survival

Parts II, III, IV, V, VII, VIII, IX, X, and Sections 11.1 through 11.6 survive termination of these Terms and any cessation of use.

CONTACT INFORMATION

Questions, concerns, or requests regarding these Terms or the Platform should be directed to:

Harbor Wealth LLC
136 E 2nd St
Casper, Wyoming, 82601, United States
Electronic Mail: support@harborwealth.com
Telephone: +1 (307) 223-7386

© 2026 Harbor Wealth LLC. All rights reserved.