Effective Date: March 27, 2026
As used in these Terms of Service (these "Terms"), the following terms shall have the meanings set forth below.
"Authorized Actions" means any actions that you have explicitly approved Harvest to perform on your behalf through the Service, including but not limited to placing orders, canceling subscriptions, initiating travel rebookings, transferring funds, and contacting Third-Party Providers for negotiation purposes.
"Content" means all text, data, graphics, software, algorithms, machine learning models, user interfaces, designs, logos, proprietary methodologies, optimization strategies, and other materials available through or generated by the Service.
"Financial Data" means any information relating to your financial accounts, transactions, balances, credit card benefits, subscriptions, billing statements, spending patterns, and other financial information accessed, retrieved, derived, or inferred by the Service.
"Harvest," "we," "us," or "our" means Harvest Financial Technologies, Inc., a Delaware corporation, together with its affiliates, subsidiaries, officers, directors, employees, agents, contractors, licensors, successors, and assigns.
"Service" means the Harvest platform, including the website, mobile application, SMS-based interactions, APIs, machine learning models, recommendation engines, and all related features, functionality, and services provided by Harvest.
"Third-Party Providers" means any entities other than Harvest whose products, services, platforms, or data are accessed, referenced, or utilized through the Service, including but not limited to financial institutions, retail merchants, airlines, telecommunications providers, insurance companies, and payment processors.
"User," "you," or "your" means any individual who accesses or uses the Service, whether or not such individual has created an account.
By accessing, downloading, installing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease all use of the Service.
To use the Service, you must: (a) be at least eighteen (18) years of age; (b) be a legal resident of the United States; (c) have the legal capacity to enter into a binding agreement; (d) not be barred from using the Service under any applicable federal, state, or local law; and (e) not have been previously suspended or removed from the Service.
You must create an account to access most features of the Service. During registration, you agree to provide accurate, current, and complete information, and to maintain and promptly update such information.
You are solely responsible for maintaining the confidentiality of your account credentials. Harvest shall have no liability for any loss arising from your failure to maintain account security.
We reserve the right to suspend or terminate any account that we reasonably believe has been compromised, is being used in violation of these Terms, or poses a risk to Harvest, other Users, or Third-Party Providers.
The Service is a personal financial assistant that utilizes artificial intelligence, machine learning, and automated systems to help you manage, optimize, and improve your financial life.
The Service connects to your bank accounts, credit cards, investment accounts, and other financial accounts through Plaid and other secure third-party integrations to aggregate your Financial Data.
The Service permits you to establish budgets, specify preferences, and receive optimized shopping recommendations. Harvest compares prices across multiple retailers and may, upon your explicit approval, place orders on your behalf.
The Service may contact Third-Party Providers on your behalf to negotiate lower rates, apply retention offers, dispute charges, request credits, or otherwise seek to reduce your recurring expenses.
The Service analyzes your credit card accounts to identify unused benefits, expiring credits, overlapping subscriptions, underutilized reward categories, and other optimization opportunities.
The Service monitors prices of flights, hotels, rental cars, and other travel bookings and alerts you when prices decrease.
By using the Service, you expressly authorize Harvest to access and retrieve your Financial Data, analyze your transaction history, store and process your data as described in our Privacy Policy, and send you communications via SMS, email, push notification, and in-app messaging.
You may revoke any authorization at any time by adjusting your account settings, contacting Harvest support, or texting STOP in response to any SMS communication.
Harvest may offer free and paid tiers of the Service. Pricing, features included in each tier, and billing frequency will be clearly presented to you before you incur any charges.
For certain features, including bill negotiation, Harvest may charge a success-based fee calculated as a percentage of verified savings.
Subscription fees are non-refundable except as required by applicable law or where Harvest determines a refund is appropriate due to a Service deficiency.
The Service integrates with various Third-Party Providers. Your use of third-party services through Harvest is additionally subject to those providers' respective terms of service and privacy policies. Harvest exercises no control over and assumes no responsibility for Third-Party Providers.
You agree to use the Service only for lawful, personal, non-commercial purposes and in strict accordance with these Terms.
You agree not to: use the Service for unlawful purposes; reverse-engineer the Service; use automated systems to access the Service without consent; interfere with the Service; circumvent security measures; impersonate any person; or share your account credentials.
The Service, including all Content, algorithms, and machine learning models, is owned by or licensed to Harvest and protected by intellectual property laws. Subject to your compliance with these Terms, Harvest grants you a limited, non-exclusive, revocable license to access and use the Service for personal, non-commercial purposes.
Our collection, use, and processing of your personal information is governed by our Privacy Policy. Harvest implements industry-standard security measures, including AES-256 encryption at rest and TLS 1.3 encryption in transit. Harvest does not and will not sell your personal information or Financial Data to third parties.
By providing your phone number, you consent to receive SMS messages including financial alerts, action confirmations, and service-related communications. You may opt out by texting STOP. Text HELP for help. Message frequency varies. Message and data rates may apply.
Harvest is a technology company, not a bank, credit union, money transmitter, broker-dealer, investment adviser, or tax advisor. Harvest does not hold, transmit, or custody your funds.
You agree to indemnify, defend, and hold harmless Harvest and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses arising out of your use of the Service or your violation of these Terms.
Before initiating any formal dispute resolution proceeding, you agree to first contact Harvest at [email protected] and attempt to resolve the dispute informally for at least sixty (60) days. Any dispute not resolved informally shall be resolved through binding individual arbitration administered by the American Arbitration Association.
Class Action Waiver: You and Harvest agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any class, consolidated, or representative action.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
California Residents: You have certain rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). To exercise your rights, contact [email protected].
You may terminate your account at any time through account settings or by contacting [email protected]. Harvest may suspend or terminate your access to the Service at any time for cause.
Harvest reserves the right to modify these Terms at any time. If we make material changes, we will provide notice by posting the revised Terms with an updated effective date. Your continued use of the Service after any modification constitutes acceptance of the revised Terms.
Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Harvest.
Severability: If any provision is held invalid, it shall be modified to the minimum extent necessary to make it valid.
Waiver: Failure to enforce any right shall not constitute a waiver of such right.
Assignment: You may not assign these Terms without Harvest's prior written consent.
Harvest Financial Technologies, Inc.
Email: [email protected]
Support: [email protected]
Privacy: [email protected]
Disputes: [email protected]