TERMS OF USE

Last updated September 6, 2026

These Terms of Use are a legally binding agreement between you and Harbor Ready LLC (“Harbor,” “Company,” “we,” “us,” or “our”) governing your access to and use of Harbor’s websites, mobile applications, software, products, services, content, features, and related offerings that link to these Terms (collectively, the “Service”).

Harbor is an exam-readiness system that helps students understand what matters for an upcoming exam, check what they know, identify readiness gaps, and stay on track until they are ready.

By selecting an action that states you agree to these Terms, or otherwise affirmatively accepting them, you enter into this agreement with Harbor. If you do not agree, do not create an account or use the Service.

SECTION 32 REQUIRES INDIVIDUAL ARBITRATION OF CERTAIN DISPUTES AND LIMITS COURT, JURY, AND CLASS PROCEEDINGS, SUBJECT TO ITS EXCEPTIONS AND APPLICABLE LAW.

1. Agreement to Terms

You agree to comply with these Terms and all applicable laws and regulations when using the Service.

Feature-specific terms and purchase terms disclosed to you may apply in addition to these Terms. They do not limit rights that applicable law does not allow you to waive. Our Privacy Policy explains our personal-information practices; acknowledging that notice does not replace any separate consent required by law.

We may update these Terms prospectively. We will identify the updated version and provide notice of material changes through the Service, by email, or another appropriate method before they take effect, except where an earlier change is necessary for legal or security reasons. We will request renewed acceptance where required. Changes will not retroactively alter a dispute of which either party has already given notice.

The Service is intended for users who are at least 13 years old. If you are under the age of majority in your jurisdiction, you may use the Service only with the permission and supervision of a parent or legal guardian. A parent or guardian who accepts these Terms on a minor's behalf must have authority to do so.

2. The Harbor Service

Harbor helps users prepare for exams by providing tools such as:

Course and exam setup

Study material uploads

Topic extraction

Readiness scores

Knowledge gap detection

Practice questions

Quizzes and review prompts

AI-generated summaries and explanations

Study plans and reminders

Progress tracking

Personalized recommendations

The Service is intended to support studying and exam preparation. It does not replace your own judgment, your instructor’s guidance, official course materials, school policies, or academic requirements.

3. No Guarantee of Academic Results

Harbor does not guarantee grades, test scores, academic performance, admissions outcomes, scholarships, certifications, or any other educational result.

Readiness scores, predictions, recommendations, study plans, practice questions, summaries, and other outputs are estimates and study aids only. They may be incomplete, inaccurate, outdated, or not aligned with a specific instructor’s expectations.

You are responsible for verifying all information, reviewing official course materials, following your school’s academic policies, and deciding how to study.

4. AI-Generated Content

Some Harbor features use artificial intelligence, machine learning, or automated systems to analyze materials and generate outputs.

AI-generated outputs may include summaries, explanations, quizzes, readiness estimates, topic maps, study plans, recommendations, and feedback.

You understand and agree that:

AI outputs may be incorrect or incomplete.

AI outputs may not reflect what will appear on an actual exam.

AI outputs are not professional, academic, legal, financial, or career advice.

You are responsible for independently checking important information.

You should not rely solely on Harbor to prepare for an exam.

Harbor may use automated systems to operate, improve, monitor, and protect the Service.

5. Account Registration

You may need to create an account to use some or all of the Service.

You agree to provide accurate, complete, and current account information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

You must notify us promptly if you believe your account has been compromised.

We may suspend, restrict, or terminate your account if we believe your information is inaccurate, your account has been compromised, or you have violated these Terms.

6. User Representations

By using the Service, you represent and warrant that:

You are at least 13 years old.

If you are a minor, you have permission from a parent or guardian to use the Service.

You have the legal capacity to agree to these Terms.

The information you provide is accurate and complete.

You will use the Service only for lawful purposes.

You will not use the Service to violate academic integrity policies.

You will not upload content unless you have the legal right to do so.

You will not interfere with or abuse the Service.

Your use of the Service will comply with all applicable laws, rules, and regulations.

7. Fees, Subscriptions, and Payment

Some Harbor features require a paid subscription. Before you authorize a purchase, the purchase screen identifies the price, billing interval, renewal terms, and applicable trial or promotional terms. Applicable taxes are disclosed during purchase.

By completing a paid subscription purchase, you authorize recurring charges at the disclosed interval until you cancel renewal. Subscription fees are generally billed in advance. Selecting a no-card signup trial does not authorize recurring charges.

Website purchases use Harbor's web payment provider, such as Stripe. Purchases within the iPhone or Android app use the applicable Apple App Store or Google Play billing flow when available. The applicable provider's payment and purchase terms also apply.

We may change prices prospectively. We will provide required notice and obtain additional consent for price or renewal changes when required by applicable law or the platform through which you subscribed. Price changes do not retroactively change a period already paid for.

8. Free Trials and Promotions

Harbor's standard signup trial provides temporary access without a payment card or a paid subscription. It ends without a charge unless you separately purchase a paid subscription.

A different trial offered through a checkout or app store may convert to paid access only under the price, duration, renewal, and cancellation terms presented and authorized when you enroll in that offer. Follow that offer's cancellation deadline if you do not want it to renew.

Discounts, referral programs, giveaways, and other promotions may have additional eligibility requirements, deadlines, limits, and rules disclosed with the offer. We may change or end future promotions, subject to applicable law and the terms already accepted for an existing offer. No purchase is necessary to enter or win a giveaway where required by law.

9. Cancellation and Refunds

For a subscription purchased on Harbor's website, use the billing controls in your Harbor account to cancel renewal. For an Apple App Store or Google Play subscription, use that store's subscription-management controls. If you cannot access the cancellation method or your Harbor account, contact hello@readyatharbor.com or support@readywithharbor.com for assistance. You retain any additional cancellation rights provided by law or the billing platform.

Canceling renewal ordinarily prevents the next renewal charge and lets you use the subscription through the end of the period already paid for. Deleting the app, stopping use, or closing your Harbor account is not a substitute for canceling an active subscription. Review active subscriptions through the applicable billing provider when closing your account.

Except where applicable law, the purchase terms, or the billing platform's rules require otherwise, purchases are nonrefundable and we do not provide credits for partial billing periods, unused features, or dissatisfaction with academic results. Apple and Google Play purchases remain subject to the applicable store's refund process. Nothing in these Terms limits mandatory refund, cancellation, charge-dispute, or other consumer rights.

10. License to Use the Service

Subject to your compliance with these Terms, Harbor grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial study and exam-preparation purposes.

You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or attempt to extract the source code of any part of the Service except where permitted by law.

We reserve all rights not expressly granted to you.

11. Harbor Intellectual Property

The Service, including software, design, interfaces, workflows, algorithms, models, text, graphics, logos, trademarks, service marks, trade names, visual design, databases, and other materials, is owned by Harbor or its licensors.

You may not use Harbor’s name, logo, branding, marks, content, or proprietary materials without our prior written permission.

Nothing in these Terms gives you ownership of Harbor’s intellectual property.

12. Your Content

“User Content” means materials and information you submit, create, transmit, or record through the Service, including notes, slides, documents, images, audio, transcripts, study guides, syllabi, assignments, prompts, answers, quiz responses, feedback, messages, and other materials.

You retain any ownership rights you have in User Content. Possessing or uploading someone else's material does not give you ownership of it or permission to record, transform, or redistribute it.

You are responsible for ensuring that you have the rights and permissions needed for Harbor to receive, process, and use your User Content as described in these Terms and the feature through which you submit it. These may include permissions from copyright owners, instructors, institutions, and people whose personal information or communications appear in the content.

13. License You Grant Harbor

You grant Harbor a nonexclusive, worldwide, royalty-free license to host, store, copy, process, analyze, adapt, generate outputs from, transmit, and use User Content to operate, secure, support, and improve the Service. This includes generating summaries, transcripts, elements, explanations, quizzes, readiness estimates, and recommendations. Harbor may permit its service providers to perform these activities on its behalf and transfer this license as part of a permitted transfer of the Service.

Shared class contributions

When you contribute class material or create class study content, the processed contribution supports Harbor's shared learning library. You authorize Harbor to reproduce, adapt, distribute, and display processed notes, summaries, elements, questions, diagrams, and other study outputs to users with access to the relevant class features. Harbor may reuse those study contributions across relevant classes, courses, and schools and display eligible content on public class, element, and sharing pages. Public content can be viewed without an account and may be copied or indexed outside Harbor.

Original uploaded files have separate access controls; submitting a class contribution does not by itself make the original file publicly downloadable. Associated information, such as upload titles, filenames, dates, and limited uploader information, can be visible in class and social features as described in the Privacy Policy.

The license for shared study contributions continues after account closure or after you stop using Harbor, to allow Harbor to maintain and improve the shared class knowledge network and other users' existing study materials. This continued use remains subject to applicable law, your privacy rights, and valid intellectual-property complaints. It does not give Harbor rights in third-party material that you had no authority to license.

Limits and retained records

This license does not transfer ownership of your content to Harbor or authorize public disclosure of private learner records or personal messages outside their disclosed sharing features. It does not authorize using your name or private learner information as a public endorsement.

We may use aggregated or de-identified information for analytics, research, product improvement, and service evaluation where permitted by law. Merely transforming content or replacing account identifiers does not necessarily make it anonymous. Personal information in source files, generated content, or other records remains subject to the Privacy Policy and applicable law.

For User Content other than shared study contributions, the license lasts as needed for the purposes described here and any lawful retention. Account closure and personal-information requests are handled as described in the Privacy Policy; neither this license nor a retention exception overrides a legal obligation to restrict or delete information.

14. Academic Integrity and Acceptable Use

Harbor is designed to help students study and prepare honestly. You may not use the Service to cheat, deceive, violate academic integrity rules, or bypass school, instructor, testing, or certification policies.

You agree not to upload, submit, generate, request, share, or use content that includes:

Exam answers not authorized for study use

Test banks not intended for public or student distribution

Answer keys not authorized for use

Confidential exam materials

Leaked or stolen academic materials

Publisher materials you do not have the right to use

Paid course materials you are not authorized to upload or share

Content that violates a school honor code or academic integrity policy

Content that infringes intellectual property rights

Content that violates privacy rights

Illegal, harmful, abusive, deceptive, or misleading content

Before recording a lecture or conversation, or uploading a recording made elsewhere, obtain all permissions required by applicable recording, privacy, copyright, and institutional rules. This may require permission from the instructor and other recorded participants. Device microphone permission is not permission from those people. Do not record confidential discussions or use Harbor to bypass a recording restriction.

You are responsible for knowing and following your school's policies. Listing a school, course, instructor, or exam does not imply Harbor is affiliated with or endorsed by that person or institution unless Harbor expressly identifies such a relationship. Harbor does not provide official exam content or official academic assessments.

15. Prohibited Activities

You may not:

Use the Service for unlawful, harmful, fraudulent, or abusive purposes

Use the Service to cheat or violate academic rules

Upload content you do not have the right to use

Misrepresent your identity or affiliation

Share your account or login credentials

Access another user’s account

Interfere with the operation of the Service

Attempt to bypass security or access controls

Use bots, scrapers, crawlers, or automated tools without permission

Reverse engineer or attempt to extract source code, models, prompts, datasets, or system architecture

Copy, reproduce, sell, resell, or commercially exploit the Service

Use the Service to build a competing product

Overload, disrupt, or impair our systems

Upload malware, spyware, viruses, or harmful code

Harass, threaten, abuse, or harm other users or Harbor personnel

Collect user information without permission

Use the Service to generate spam, deception, or misleading content

Remove proprietary notices from Harbor materials

Violate any applicable law, rule, or regulation

We may investigate suspected violations and take any action we consider appropriate, including removing content, limiting access, suspending accounts, terminating accounts, or contacting law enforcement.

16. Community, Sharing, and User Interactions

Harbor allows shared class contributions as described in Section 13 and may offer invitations, groups, class chat, quiz challenges, and other sharing features. The audience and information shared depend on the feature you use. Personal messages and private learner records are not shared class contributions merely because you use Harbor.

You are responsible for what you share. Recipients may copy, save, or redistribute information, and public pages may be indexed by search engines. Do not submit confidential, restricted, or unrelated personal information to a sharing feature.

We do not guarantee the accuracy, legality, safety, or reliability of other users' content. We may restrict access to content, investigate complaints, and enforce these Terms, subject to applicable law.

17. Feedback and Suggestions

If you provide ideas, suggestions, feature requests, or recommendations about Harbor, you give Harbor a nonexclusive, worldwide, royalty-free license to use, modify, implement, and commercialize that feedback without compensation to you, subject to your privacy rights.

Nothing in these Terms prohibits honest reviews, lawful criticism, reporting suspected violations, or other legally protected activity. You do not transfer ownership of a consumer review to Harbor by providing it.

18. Mobile Application Terms

If you access Harbor through a mobile application, we grant you a limited, revocable, non-exclusive, non-transferable license to install and use the app on devices you own or control, solely in connection with your permitted use of the Service.

You may not:

Copy, modify, or distribute the app

Reverse engineer, decompile, or disassemble the app

Use the app for unlawful or unauthorized purposes

Remove proprietary notices

Use the app to build a competing product

Make the app available over a network for unauthorized use

Use the app in violation of app store rules

If you downloaded the app from Apple’s App Store or Google Play, you agree to comply with the applicable app store terms. Apple and Google are not responsible for providing support or maintenance for Harbor unless required by their own terms or applicable law.

19. Third-Party Services

The Service may integrate with, link to, or rely on third-party services, including login providers, cloud platforms, analytics tools, payment processors, app stores, AI infrastructure providers, and other external services.

Your use of third-party services may be subject to their own terms and privacy policies.

Harbor is not responsible for third-party services, third-party content, third-party websites, or third-party practices.

20. Privacy

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information, including class contributions and recordings. Acknowledgment of that notice does not replace any separate consent required by law or limit privacy rights that cannot be waived.

21. Copyright and Intellectual Property Complaints

Harbor respects intellectual property rights. To report claimed copyright infringement, use our copyright report form or send a notice to the contact below. A notice should substantially include:

Your physical or electronic signature, as the copyright owner or an authorized representative.

Identification of the copyrighted work, or a representative list of works if multiple works are involved.

Identification and location of the material complained of, with enough information for us to find it, such as specific Harbor URLs.

Contact information sufficient for us to reach you, including an address, telephone number, and email address if available.

A statement of your good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

A statement that the notice is accurate and, under penalty of perjury, that you are the owner or authorized to act for the owner of the exclusive right allegedly infringed.

Send copyright notices and counter-notices to:

Harbor Ready LLC

Attn: Geoffrey Thomas, Copyright Agent

2535 Trailmark Dr.

St. Augustine, FL 32092

United States

Email: gthomas@readywithharbor.com

Alternate email: copyright@readywithharbor.com

Phone: 813-417-7596

Takedown and counter-notice

We will review notices and act expeditiously to remove or disable access to material when appropriate under the Digital Millennium Copyright Act. We will take reasonable steps to promptly notify the affected contributor. We may share relevant notice information with the contributor, claimant, or their representatives to address the complaint.

If you believe your material was removed or disabled by mistake or misidentification, you may send a counter-notice containing your physical or electronic signature; identification of the material and its former location; a statement under penalty of perjury of your good-faith belief that removal or disabling resulted from mistake or misidentification; and your name, address, and telephone number.

The counter-notice must also state that you consent to the jurisdiction of the federal district court for the judicial district where your address is located, or, if you are outside the United States, a judicial district where Harbor may be found, and that you will accept service of process from the original notice sender or that person's agent.

We will promptly provide a copy of a qualifying counter-notice to the original notice sender. When the statutory counter-notice process applies, we will restore access no earlier than 10 and no later than 14 business days after receiving the counter-notice, unless our agent first receives notice that the claimant filed an action seeking a court order restraining the disputed activity. Independently applicable legal restrictions or other violations of these Terms may require continued restriction; we will identify such a basis when relevant.

Knowingly making a material misrepresentation in a copyright notice or counter-notice may create liability under law. This process does not decide ownership or whether a particular use is lawful.

Repeat infringement

Harbor's policy is to terminate, in appropriate circumstances, accounts of users who repeatedly infringe copyright. We consider the relevant notices, counter-notices, outcomes, and other available evidence rather than treating every allegation as established infringement. We may restrict content or access for a serious violation without waiting for repeated complaints.

22. Service Management and Enforcement

We reserve the right, but do not have the obligation, to:

Monitor the Service for violations

Remove, restrict, or disable content

Suspend or terminate accounts

Limit usage or access

Investigate suspected abuse

Use automated systems to detect prohibited content or misuse

Preserve information for legal, safety, or compliance purposes

Report unlawful conduct to authorities

We may take these actions at any time, with or without notice, where permitted by law.

23. Termination and Account Closure

These Terms remain in effect while you use the Service.

We may suspend or terminate access if we reasonably believe you violated these Terms, created material risk or harm, used the Service unlawfully, infringed rights, or otherwise misused the Service. We may act without prior notice where reasonably needed for security, legal compliance, or protection of users or the Service. Applicable payment and consumer rights remain in effect.

You may stop using Harbor at any time. The account-closure control in settings disables access and removes or replaces selected account-profile details. Closure does not by itself erase every associated record or remove shared class contributions. The Privacy Policy explains retained records and how to request access, correction, or deletion of personal information. Subscription cancellation is separate, as explained in Section 9.

Provisions that by their nature should survive continue after termination or closure, including accrued payment obligations, applicable content licenses, intellectual-property rights, lawful disclaimers and liability limits, indemnification, and dispute resolution. Survival does not override rights or obligations under applicable law.

24. Modifications, Availability, and Interruptions

We may modify, suspend, discontinue, or remove any part of the Service at any time.

We do not guarantee that the Service will always be available, uninterrupted, secure, or error-free.

The Service may be unavailable due to maintenance, updates, technical issues, third-party failures, security events, or other reasons.

Any liability for interruptions, delays, errors, data loss, feature changes, or discontinuation is subject to Section 27 and applicable law. We will honor mandatory consumer remedies and applicable purchase commitments if we discontinue a paid service.

25. Corrections and Accuracy

The Service may contain errors, inaccuracies, omissions, or outdated information.

We reserve the right to correct, update, modify, or remove information at any time without prior notice.

You are responsible for verifying important information before relying on it.

26. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE FULLEST EXTENT PERMITTED BY LAW, HARBOR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RELIABILITY.

HARBOR DOES NOT WARRANT THAT:

THE SERVICE WILL MEET YOUR EXPECTATIONS

THE SERVICE WILL IMPROVE YOUR GRADES OR TEST SCORES

READINESS SCORES WILL BE ACCURATE

AI OUTPUTS WILL BE COMPLETE OR ERROR-FREE

THE SERVICE WILL BE UNINTERRUPTED OR SECURE

CONTENT WILL BE AVAILABLE, ACCURATE, OR CURRENT

DEFECTS WILL BE CORRECTED

THE SERVICE WILL BE FREE FROM VIRUSES OR HARMFUL COMPONENTS

YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

27. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HARBOR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, ACADEMIC CONSEQUENCES, LOST OPPORTUNITIES, OR BUSINESS INTERRUPTION, ARISING FROM THE SERVICE OR THESE TERMS.

TO THE FULLEST EXTENT PERMITTED BY LAW, HARBOR'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID TO HARBOR FOR THE SERVICE IN THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100). THIS LIMIT APPLIES ACROSS CLAIMS ARISING FROM THE SAME EVENT OR RELATED EVENTS, REGARDLESS OF THE LEGAL THEORY ASSERTED.

These exclusions and limits do not apply to Harbor's fraud, willful misconduct, gross negligence, or any liability that applicable law does not permit Harbor to exclude or limit. They do not limit mandatory refunds, statutory remedies that cannot be waived, or other nonwaivable consumer rights. Where a limit is prohibited, only the permitted portion applies.

28. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Harbor and its officers, directors, employees, contractors, affiliates, agents, licensors, and service providers against third-party claims and resulting liabilities, damages, and reasonable costs, including reasonable attorneys' fees, to the extent caused by:

Your unlawful or unauthorized User Content, including an upload or recording for which you lacked required rights or permissions.

Your material breach of these Terms.

Your infringement of another person's intellectual-property, privacy, or other rights.

Your fraudulent or unlawful misuse of the Service.

This obligation does not apply to the extent a claim arises from Harbor's breach of these Terms, negligence, fraud, willful misconduct, or violation of law. It does not require you to indemnify Harbor merely for making a good-faith consumer complaint or exercising a legal right.

Harbor will give you prompt notice of a claim for which it seeks indemnification and reasonable cooperation in the defense. Delayed notice reduces your obligation only to the extent it materially prejudices the defense. Harbor may control the defense with reasonably suitable counsel, and recoverable costs must be reasonable. Neither party may settle a claim in a way that admits fault for, imposes a nonmonetary obligation on, or fails to release the other party without that party's written consent, which will not be unreasonably withheld.

29. Data Backup and User Responsibility

We may maintain certain data for operating, securing, and improving the Service. However, Harbor is not a backup service.

You are responsible for maintaining your own copies of important notes, documents, study materials, assignments, and other files.

Any liability for loss, corruption, deletion, or failure to store User Content or other data is subject to Section 27 and applicable law.

30. Electronic Communications

By using the Service, you consent to receive communications from Harbor electronically, including emails, in-app messages, push notifications, account notices, billing notices, legal notices, and policy updates.

You agree that electronic communications satisfy any legal requirement that such communications be in writing.

You may opt out of promotional communications as described in the Privacy Policy, but we may still send service-related communications.

31. Governing Law

These Terms and your use of the Service are governed by the laws of the State of Florida, without regard to conflict of law principles, unless applicable law requires otherwise.

32. Dispute Resolution

PLEASE READ THIS SECTION. SUBJECT TO ITS EXCEPTIONS AND APPLICABLE LAW, YOU AND HARBOR AGREE TO INDIVIDUAL ARBITRATION AND GIVE UP A COURT OR JURY TRIAL FOR CLAIMS THAT MUST BE ARBITRATED.

Informal resolution

Either party may send the other written notice describing a dispute, the account or transaction involved, contact information, and the requested resolution. Send Harbor's notice to hello@readyatharbor.com or the postal address in Section 37, addressed to Legal. Harbor will use your account contact information for its notice. The parties will attempt resolution for 30 days after receipt.

This process does not prevent a timely filing needed to preserve a claim, an eligible small-claims filing, a report to a government agency, or permitted urgent relief. It does not shorten any applicable limitation period.

Consumer arbitration

Except as stated below, disputes arising out of or relating to these Terms or the Service will be resolved by one neutral arbitrator through the American Arbitration Association (AAA) under its Consumer Arbitration Rules and applicable consumer fee schedule. The AAA consumer rules, forms, and fees explain how to file a demand. A party filing a demand must also provide a copy to the other party. The Federal Arbitration Act governs this agreement to arbitrate.

Harbor will pay the fees allocated to the business under those rules and applicable law. Available fee waivers, remote procedures, and hearing-location rules apply. An in-person hearing will take place in a reasonably convenient location consistent with the consumer rules and applicable law. The arbitrator may award relief available for an individual claim under applicable law and must give a written decision explaining the essential findings. Nothing here reduces remedies or fee entitlements that cannot lawfully be waived.

Exceptions and individual proceedings

Either party may bring an eligible individual claim in small claims court. Either party may seek temporary court relief needed to protect intellectual property, confidential information, or account security while arbitrable merits are resolved. Neither party is restricted from contacting regulators or exercising rights that applicable law requires to remain available in court.

To the extent permitted by law, claims subject to arbitration must proceed individually and not as a class, collective, consolidated, or representative arbitration. This restriction does not prohibit coordination or administration of separate individual demands under applicable AAA procedures. There will be no class arbitration unless you and Harbor separately agree in writing after a dispute arises.

A court will decide whether an arbitration agreement was formed and whether the individual-proceeding restriction is enforceable. Other issues follow applicable law and the consumer rules. A claim or remedy that cannot lawfully be arbitrated or restricted, including nonwaivable public injunctive relief where applicable, may proceed in a competent court. Any severance or stay will be determined by that court; the remaining lawful terms continue to apply.

If arbitration is unavailable

If AAA declines or is unable to administer a dispute, either party may bring it in a competent court unless the parties agree to another administrator after the dispute arises. Harbor will not require a substitute administrator unilaterally or prevent a court filing because Harbor failed to satisfy an administrator's requirements.

For permitted court proceedings, the parties consent to the state courts in St. Johns County, Florida, or the United States District Court for the Middle District of Florida, except for eligible small-claims proceedings and any mandatory consumer right to another forum. Nothing in this section waives a jury right for a claim that proceeds in court.

Changes to this section apply prospectively after required notice and acceptance and do not alter a dispute of which either party already gave notice. A later website edit alone does not create a new agreement to arbitrate an existing dispute.

33. California Users and Residents

California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at:

1625 North Market Blvd., Suite N 112

Sacramento, California 95834

Phone: (800) 952-5210 or (916) 445-1254

34. Apple App Store Terms

If you downloaded Harbor from the Apple App Store, you acknowledge and agree that:

These Terms are between you and Harbor, not Apple.

Apple is not responsible for the Service or its content.

Apple has no obligation to provide maintenance or support.

Apple is not responsible for claims relating to the Service.

Apple and its subsidiaries are third-party beneficiaries of these Terms as they relate to your use of the app.

35. Export and Sanctions Compliance

You may not use the Service if you are located in a country subject to U.S. embargo or sanctions, or if you are on any U.S. government restricted-party list.

You agree to comply with all applicable export control and sanctions laws.

36. Miscellaneous

These Terms, together with the Privacy Policy and any supplemental terms, constitute the entire agreement between you and Harbor regarding the Service.

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

Our failure to enforce any provision is not a waiver of our right to enforce it later.

You may not assign or transfer these Terms without our prior written consent. We may assign or transfer these Terms in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.

There is no joint venture, partnership, employment, fiduciary, or agency relationship between you and Harbor as a result of these Terms or your use of the Service.

37. Contact Us

To resolve a complaint or request more information about the Service, contact us at:

Harbor Ready LLC

2535 Trailmark Dr.

St. Augustine, FL 32092

United States

Email: hello@readyatharbor.com

Alternate email: support@readywithharbor.com

Phone: 813-417-7596