Terms of Service

1. Description of Service

Octo provides a cost analysis and business management platform designed for small businesses in the trades and service industries. The Service includes, but is not limited to:

• Automated cost analysis based on user-provided data or connected financial accounts
• Industry benchmarking and savings intelligence
• Integration with third-party accounting software (e.g., Intuit QuickBooks)
• Consultation services with cost analysts
• Additional business management features as they become available

Certain features described on the platform may be marked as "coming soon" and are not yet available. We make no guarantee as to the timing or availability of future features.

2. Account Registration

To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Subscriptions and Payments

Certain features of the Service require a paid subscription. Subscription fees are billed on a recurring basis (monthly or annually, as applicable) through our payment processor. By subscribing, you authorize us to charge your payment method on a recurring basis.

Consultation services are billed as one-time payments at the time of purchase. All fees are non-refundable except as required by applicable law or as expressly stated in these Terms.

We reserve the right to change our pricing at any time. Changes will not affect your current billing period and will be communicated in advance. Founding member pricing is honored for the duration of an active, uninterrupted subscription.

4. Third-Party Integrations

The Service may integrate with third-party platforms, including Intuit QuickBooks. When you connect a third-party account:

• You authorize us to access your data from that platform in accordance with the permissions you grant
• We access your data on a read-only basis for the purpose of cost analysis
• You may disconnect your third-party account at any time, at which point we will delete the associated data from our servers
• We are not responsible for the availability, accuracy, or policies of third-party platforms

5. Data and Your Content

You retain ownership of all data and content you provide to the Service ("Your Content"). By using the Service, you grant us a limited, non-exclusive license to use Your Content solely to operate, improve, and provide the Service to you.

We do not sell your data to third parties. See our Privacy Policy for details on how we collect, use, and protect your information.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to the Service or its related systems
• Interfere with or disrupt the integrity or performance of the Service
• Reverse-engineer, decompile, or disassemble any part of the Service
• Use the Service to transmit malicious code or harmful content
• Resell, sublicense, or redistribute the Service without our written consent

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Cost analysis results, savings estimates, and industry benchmarks are provided for informational purposes only and should not be construed as financial, legal, or professional advice. We do not guarantee any specific savings or financial outcomes.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HARBOR GROUP HOLDINGS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Termination

You may cancel your account at any time. We may suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that we determine violates these Terms or is harmful to the Service or other users. Upon termination, your right to use the Service ceases immediately.

10. Changes to Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on the Service. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

12. Contact

If you have questions about these Terms, contact us at:

Harbor Group Holdings Inc.
Email: admin@harborholding.com