Effective Date: August 17, 2026
These Terms & Conditions (“Agreement”) govern your use of the website, services, and programs offered by Capital Harbor (“Company,” “we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these terms.
1. Services Provided
Capital Harbor provides business credit education, consulting, and strategic guidance to help clients establish, build, and optimize their business credit profiles.
We do not provide lending services, credit repair, legal advice, or financial advice.
2. No Guarantees
You acknowledge that:
We do not guarantee credit approvals, funding, or specific financial results
Results vary based on your business profile, compliance, and financial behavior
All credit and funding decisions are made by third-party lenders and institutions
3. Client Responsibilities
By using our services, you agree to:
Provide accurate and complete information
Follow recommended steps and strategies
Maintain compliance with all applicable laws and regulations
Actively participate in the process
Failure to follow guidance may impact your results.
4. Payment Terms
All fees are due as stated at the time of purchase.
You agree that:
Payments are non-transferable
You are responsible for all charges incurred
Failure to complete payment may result in suspension of services
5. Refund Policy
Due to the nature of our services, all sales are final unless otherwise stated in writing.
We provide digital and consulting services that begin immediately upon purchase, making them non-refundable.
6. Subscription Services (If Applicable)
If you enroll in any recurring service:
You authorize automatic billing
You may cancel at any time, but no refunds will be issued for prior charges
Access may continue until the end of the billing cycle
7. Third-Party Services
Our services may include recommendations or integrations with third-party providers, including:
Credit monitoring services
Financial platforms
Vendors and lenders
We are not responsible for:
Third-party decisions, approvals, or denials
Fees charged by third parties
Their policies, services, or outcomes
8. Intellectual Property
All content, materials, systems, and processes provided by Capital Harbor are the property of the Company.
You may not:
Copy, reproduce, or distribute materials
Share access to proprietary systems
Use our content for commercial purposes without permission
9. Limitation of Liability
To the fullest extent permitted by law:
Capital Harbor shall not be liable for any indirect, incidental, or consequential damages
This includes, but is not limited to:
Loss of profits
Loss of business opportunities
Credit denials or financial outcomes
10. Indemnification
You agree to indemnify and hold harmless Capital Harbor from any claims, damages, or liabilities resulting from:
Your misuse of services
Your failure to follow guidance
Your violation of any laws or regulations
11. Communication Consent
By using our services, you agree to receive communications from us via:
Email
Phone
SMS/text messages
You may opt out of marketing communications at any time.
12. Termination
We reserve the right to:
Refuse service
Suspend or terminate access
Remove users who violate these Terms
13. Governing Law
These Terms shall be governed by the laws of the State of Arizona.
14. Changes to Terms
We may update these Terms at any time. Continued use of our services constitutes acceptance of any changes.