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Effective Date: October 15, 2025
Welcome to Harbor Shield (“we”, “us”, or “our”). By using our services, you agree to the following Terms of Use (“Terms”), which govern your access to and use of our products and services ("Services"). Please read these Terms carefully. If you do not agree with these Terms, you must not use our Services.
1. Acceptance of Terms: By accessing or using our Services, you agree to be bound by these Terms and any applicable laws and regulations. If you are using our Services on behalf of an organization or legal entity, you represent that you have the authority to bind that organization or entity to these Terms. We may update or modify these Terms from time to time, and the updated version will be effective once posted to our website.
2. Acknowledgement: You understand that our Services to you include collaboration with third parties. We are not responsible for the acts of any third party. The materials on our website are provided on an “as is” basis. Harbor Shield makes no warranties, may it be expressed or implied, therefore negates all other warranties. Furthermore, Harbor Shield does not make any representations concerning the accuracy or reliability of the use of the materials on its website or otherwise relating to such materials or any sites linked to this site.
3. Eligibility: You must be at least 18 years old, or the age of majority in your jurisdiction, to use our Services. By using our Services, you represent and warrant that you meet this eligibility requirement.
4. Account Registration: To use our Services, you may be required to register for an account. During registration, you will be asked to provide accurate, current, and complete information. You agree to maintain and update your information as necessary to ensure its accuracy. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
5. Text Messages: Text messaging can be an efficient and convenient way for us to keep you informed about important updates and time-sensitive information. By using our Services, you implicitly agree and consent to receive communications via text messaging from Harbor Shield and/or our affiliates unless you explicitly request otherwise. However, we respect your preferences, and you can opt out of text messaging or any other form of communication at any time by contacting us directly. Please note that even if you choose to opt out of marketing communications, we will continue to send you essential notifications and updates necessary for the proper functioning of your account and the Services we provide.
6. Use of Services: You agree that you will not use our Services for any illegal or unauthorized purpose. You agree to use our Services in accordance with our acceptable use policy including all terms of any agreement you enter into with us. Prohibited activities include, but are not limited to:
7. Fees and Charges: You agree to pay any applicable fees associated with our Services. We reserve the right to modify or change our fee structure at any time, with notice provided in accordance with these Terms.
8. Privacy and Security: Your privacy is important to us. Our privacy practices are outlined in our Privacy Policy, which you should review periodically. By using our Services, you agree to the collection, use, and sharing of your personal data as described in the Privacy Policy. We implement reasonable measures to protect your data; however, you acknowledge that no method of electronic storage or transmission is 100% secure, and we cannot guarantee the absolute security of your information.
9. User Content: Any content that you upload, submit, or otherwise provide to us through the Services ("User Content") remains your property. However, by submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, and sublicensable license to use, display, and distribute the content in connection with providing the Services. You are responsible for the content you submit, and you agree not to submit any content that is illegal, offensive, or violates any third-party rights.
10. Protected Property: We shall exclusively own any and all intellectual property and data generated by the use of Services by you. You agree to execute and take all such further action as may reasonably be required in order to effectuate the terms and intent of our Services. Any and all content displayed or otherwise used to perform the Services is the property of Harbor Shield and shall include graphics, text, logos, images, and audiovisual content. You are prohibited from redistributing, selling, or otherwise repurposing our content without the written consent of Harbor Shield.
11. Termination: We reserve the right to suspend or terminate your account or access to the Services at any time, with or without cause, including if we suspect fraudulent or unlawful activity. You may also terminate your account at any time by contacting us and submitting any and all account closing documents required. Upon termination, you will still be responsible for any outstanding charges and obligations. We may delete or retain any data associated with your account as required by applicable law and/or as permitted by our terms and agreements.
12. Limitation of Liability: To the fullest extent permitted by law, Harbor Shield and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services. Our total liability to you for any claim arising from the use of the Services will not exceed the total amount you have paid for the specific Services giving rise to the claim from the date of any breach by Harbor Shield giving rise to the liability.
13. Dispute Resolution and Arbitration: You agree that, with the exception of any suit to collect any compensation owed to Harbor Shield as a result of the Services, such suit(s) which may be filed by Harbor Shield in the Circuit Court of Chesterfield County, Virginia, any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this Agreement to arbitrate, shall be determined by arbitration in the Commonwealth of Virginia, specifically in Chesterfield County. The arbitration shall be administered by the American Arbitration Association (“AAA”) or The McCammon Group according to the Commercial Arbitration Rules of the AAA then in effect, except as modified here. The Arbitrator shall be selected by Harbor Shield. The Arbitrator’s decision shall be final and binding, and judgment on the award rendered by the Arbitrator may be entered in any court having jurisdiction thereof.
14. WAIVER OF JURY TRIAL: BY AGREEING TO THESE TERMS, TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHTS TO A TRIAL BY JURY AS TO ANY ISSUE RELATING HERETO IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, OR ANY OTHER MATTERS INVOLVING THE PARTIES HERETO.
15. Waiver of Class or Consolidated Actions: All claims and disputes relating to these Terms, the Services, or any other matters involving the parties hereto must be arbitrated or litigated on an individual basis and not on a class basis, and claims of more than one customer or user cannot be arbitrated or litigated jointly or consolidated with those of any other customer or user without the consent of Harbor Shield.
16. Governing Law: These Terms and your use of the Services will be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws principles.
17. Force Majeure: We will not be held liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to natural disasters, acts of war, labor strikes, or governmental restrictions.
18. Entire Agreement: In the event that any Term is invalidated by a court of competent jurisdiction, then all remaining Terms not so invalidated shall continue in full force and effect.
19. Additional Documents: You agree to cooperate fully and execute any and all supplementary documents and to take all additional actions that may be necessary or appropriate to give full force and effect to the basic terms and intent of these Terms and for any Services we provide to you.
Contact Us: If you have any questions, concerns, or requests related to these Terms of Use, please contact us at:
Harbor Shield
5309 Commonwealth Centre Parkway
4th Floor
Midlothian, VA 23112
By using our Services, you acknowledge that you have read, understood, and agree to these Terms.
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