Terms of Use
Please read these terms carefully before using Harbor Sphere's portfolio technology platform.
Last updated: 11/5/2025
Agreement to Terms
By accessing or using Harbor Sphere's portfolio technology platform ("Platform" or "Service"), you agree to be bound by these Terms of Use ("Terms"). These Terms constitute a legally binding agreement between you and Harbor Sphere. If you disagree with any part of these terms, you may not access or use our service.
Important: Harbor Sphere is a technology provider, not an investment adviser. We provide portfolio analysis tools, calculators, and educational resources. We do not provide investment advice, recommendations, or manage your investments.
Service Description
Harbor Sphere provides a portfolio technology platform that offers tools and resources for portfolio analysis, model building, and educational purposes. Our services include:
Portfolio Analysis Tools
Technology tools for analyzing portfolio allocations, performance, and risk metrics
Model Portfolio Builders
Technology tools for creating and analyzing model portfolios
Educational Resources
Information and educational content about portfolio construction
Rebalancing Calculators
Technology tools for calculating portfolio rebalancing needs
Technology Provider Disclaimer: Harbor Sphere provides technology tools only. All investment decisions are made by you. We do not provide investment advice, recommendations, or manage investments. You are solely responsible for your investment decisions.
User Accounts
Account Creation
You must provide accurate and complete information when creating your account.
Account Security
You are responsible for maintaining the security of your account credentials.
Prohibited Activities
You may not share your account or use it for unauthorized purposes.
Investment Risks & Disclaimers
Important Risk Disclosure
Investing involves substantial risk of loss and is not suitable for all investors. Past performance does not guarantee future results. Harbor Sphere provides technology tools only—we do not provide investment advice, recommendations, or guarantee any investment outcomes.
You are solely responsible for all investment decisions. You should only invest what you can afford to lose and consider consulting with a qualified financial advisor before making investment decisions.
- Market volatility can result in significant losses
- Technology tools may contain errors or inaccuracies
- No guarantee of profits or protection against losses
- You should only invest what you can afford to lose
- Consider consulting with a qualified financial advisor
- Past performance does not guarantee future results
- Technology tools are provided "as is" without warranties
User Responsibilities
As a user of our platform, you are responsible for:
Accurate Information
Providing accurate and complete information when using our tools
Independent Decisions
Making your own independent investment decisions based on your own research and judgment
Compliance
Complying with all applicable laws and regulations in your jurisdiction
Account Security
Maintaining the security and confidentiality of your account credentials
Technology Disclaimers
Our technology tools are provided "as is" and "as available" without warranties of any kind, either express or implied. Specifically:
- We do not warrant that our tools will be error-free, uninterrupted, or secure
- We do not guarantee the accuracy, completeness, or reliability of any calculations or analyses
- Technology tools may contain errors, bugs, or inaccuracies
- We reserve the right to modify, suspend, or discontinue any tool at any time
- We are not responsible for any losses or damages resulting from use of our technology tools
Acceptable Use Policy
You agree not to use our service to:
Fees and Payments
Harbor Sphere operates on a profits-based model where we only earn when you do. Our fee structure includes:
Performance Fees
Percentage of profits earned
Platform Fees
Minimal monthly subscription
Transaction Costs
Standard brokerage fees apply
Intellectual Property
The Harbor Sphere platform, including its AI algorithms, software, and content, is protected by intellectual property laws. You retain ownership of your trading strategies and data.
Our Rights
- Platform technology and algorithms
- Branding and marketing materials
- User interface and design
Your Rights
- Your trading strategies and data
- Personal investment decisions
- Your account information
Termination
Either party may terminate this agreement at any time. Upon termination:
- Your access to the platform will be suspended
- We will process any outstanding fees
- Your data will be handled according to our Privacy Policy
- You may request deletion of your account data
Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our platform or by email. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.
If you do not agree to the modified Terms, you must stop using the Service and may terminate your account.
Indemnification
You agree to indemnify, defend, and hold harmless Harbor Sphere, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
- Your use of the Service or any technology tools
- Your violation of these Terms
- Your violation of any applicable laws or regulations
- Your investment decisions and any resulting losses
- Any content you submit or transmit through the platform
Limitation of Liability
To the maximum extent permitted by law, Harbor Sphere shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, revenue, or data
- Investment losses or damages
- Errors or inaccuracies in technology tools
- Service interruptions or unavailability
- Any damages resulting from your use of our technology tools
Note: This limitation does not apply to damages caused by our gross negligence or willful misconduct. Some jurisdictions do not allow the exclusion of certain damages, so some of these limitations may not apply to you.
Governing Law and Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising out of or relating to these Terms or the Service shall be resolved through:
- First, through good faith negotiations
- If negotiations fail, through binding arbitration in accordance with applicable arbitration rules
- You waive any right to participate in a class-action lawsuit or class-wide arbitration
Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published by Harbor Sphere, constitute the entire agreement between you and Harbor Sphere regarding the use of the Service and supersede all prior agreements and understandings.
Assignment
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. Harbor Sphere may assign these Terms or any rights hereunder without your consent in connection with a merger, acquisition, or sale of assets.
Waiver
No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
Contact Us
If you have questions about these Terms of Service, please contact us:
Email: harborinvests@gmail.com
Subject Line: Terms of Service Inquiry