Terms and Conditions

Effective Date: May 15, 2025

1. Acceptance of Terms

By registering for and using Harper, you agree to these Terms and Conditions.

2. Eligibility

• You must be at least 18 years old (or use under adult supervision if a minor).
• You must provide accurate registration information.

3. Account Registration

• Registration is mandatory.
• You are responsible for maintaining the confidentiality of your account credentials.

4. License Grant

We grant you a limited, non-exclusive, non-transferable license to use Harper on iOS devices in accordance with these terms.

5. User Conduct

• You agree not to misuse the app or attempt to access any features not intended for you.
• You will comply with applicable laws and respect intellectual property rights.

6. Financial Data via Plaid

By linking your accounts through Plaid, you authorize us to access and process your financial information to provide personalized services.

7. Termination

We may suspend or terminate your account for violation of these terms or for any behavior we deem harmful.

8. Disclaimers

• Harper is provided “as is” and “as available.”
• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

9. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages arising from your use of Harper.

10. Governing Law

These Terms and Conditions are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

11. Changes to These Terms

We may update these Terms at any time. We will notify you of material changes by posting a new effective date here.

12. Contact Information

If you have questions about these Terms and Conditions, please email [email protected].