Terms & Conditions
Updated March 9th, 2023
Introduction and Agreement
Harvested Financial is a registered investment advisor (RIA) under the Investment Advisers Act. But use or access of this Site or the Content does not create a fiduciary relationship, unless or until you execute a written agreement to retain Harvested Financial as your RIA.
Clients and Visitors
Harvested Financial provides the Website as a resource for both Clients and Visitors. For the purposes of this document, Visitors are individuals or entities who access the Website for any reason, or with the intent to become a Client. Clients are individuals or entities who have engaged with Harvested Financial to provide advisory services. The terms of those services are set forth in our Client Agreement. Collectively Clients and Visitors are “Users”. This agreement covers all Users of the Website.
The Website and its content are intended exclusively for adults aged 18 years and older. Use and access implies that you are over the age of 18, and use by any minor is unauthorized.
The usage of our Website by Visitors and Clients is intended solely for educational and research purposes. Details visible to the public are not intended to be financial, legal, or tax advice. Please contact a professional before making any investment decisions. Investments carry the risk of loss, and any decision made by Visitors or Clients based on information they have gathered on the Website or through third party referrals is entirely their responsibility and Harvested Financial is not liable for loss.
Clients who engage Harvested Financial will sign the Client Agreement and be bound by those terms. Clients will have access to a specific portal which provides them certain services under the terms of the Client Agreement.
The Website is only to be used for its intended purposes. Any misuse or tampering with features is explicitly prohibited. Operating the Website in a manner which is intended to expose bugs, security flaws or other technical structures is prohibited. The use of tools, automated or manual, to extract any content from the Website is prohibited. The Website may not be used for any commercial purposes.
The content on this Website is owned exclusively by Harvested Financial or licensed for use herein.
Both Clients and Visitors may at some time create an account with a username and password to access certain features and areas of the Website. This password must be safeguarded at all times and not disclosed to third parties. If there is any suspected information leakage uses should immediately contact Harvested Financial or change their password. Personal details provided during registration are warranted by the user to be accurate.
Limitation of Liability:
All use of the Website and any Personal Information provided is done so at the sole discretion and responsibility of the Visitor or Client. All information, materials, and content provided here is done on an AS IS basis, and conveys no warranty of any kind. This limitation will be present to the fullest extent of the law. Harvested Financial explicitly disclaims any liability to update this information or guarantee accuracy. Harvested Financial shall not be liable for any claims that result from the inability to access the Website.
HARVESTED FINANCIAL AND ITS EMPLOYEES, DIRECTORS, AND AGENTS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND. WHETHER THEY ARE EXPRESS, IMPLIED, OR STATUTORY, RELATING TO HARVESTED FINANCIAL’S WEBSITE, CONTENT, AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, TITLE, SECURITY, ACCURACY, COMPLETENESS, FITNESS FOR A PARTICULAR PURPOSE, OR NON INFRINGEMENT. THIS LIMITATION APPLIES WHETHER THE CONSEQUENCES WERE FORESEEABLE BY HARVESTED FINANCIAL OR NOT.
You agree to indemnify and hold harmless Harvested Financial for any liability, loss, claim, or expense related to your use of the Website. This includes attorney fees. Nothing is intended to waive any non waivable rights which are statutorily available to you.
Rules of Engagement:
So long as the Visitor or Client is making use of the Website and other properties of Harvested Financial, they agree to the following:
Users will not share passwords
Users will behave and use the services in a professional manner
Users will truthfully answer and complete questionnaires
Use is strictly personal
Technological misuse of the Website is explicitly prohibited. This includes all types of tampering, use of malware, virus spreading, intended or unintended breaches of security, and attempts to disrupt protocols. Any act which might be construed as modifying the functioning of the Website for anything but its explicit use cases is forbidden.
The attempt to collect data from the Website for any purpose is prohibited. Accessing user data other than one’s own in the format intended is prohibited. Scraping databases or content, injection queries and other techniques designed to extract information are explicitly forbidden.
Monitoring of any feature or content on the Website is prohibited. No individual or entity shall maintain records related to the performance or technical functioning of the Website.
The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by Harvested or any third party service provider to buy or sell any securities or other financial instruments in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.
All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. Harvested is not a fiduciary by virtue of any person’s use of or access to the Site or Content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other Content. In exchange for using the Site, you agree not to hold Harvested, its affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or other Content made available to you through the Site.
The content of this Website is in no way meant to represent financial advice. Users should consult with professionals. Harvested Financial will only disclose financial advice to Clients under the specific terms of their written Client Agreement. Advisory services will only be offered to Clients or prospective Clients under the terms of a written investment contract. Services will only be performed in jurisdictions where Harvested Financial is registered or exempt from registration.
Harvested Financial is a registered financial advisor in the State of Illinois. Registration does not imply any certification or endorsement.
Past Performance does not indicate future performance. Harvested Financial makes no guarantees to Clients or Users about the performance of any investment product. Different investment strategies contain different risks and these should be discussed with a professional.
While there may be content related to trading strategies and the results, this Website is in no way an offer to purchase or sell securities. Any financial decisions should be discussed with a professional.
Options involve risk and are not suitable for all investors. For more information read the "Characteristics and Risks of Standardized Options".
Any market data, or combinations of market data are the sole property of Harvested Financial or its affiliates under licensing agreements. Users of the website are not permitted to store or record market data in any form, manual, scraped, scanned, or other. Data provided is expected to be accurate, but we cannot guarantee the accuracy of methods or third party details.
Historical data and returns are presented exclusively for the purposes of describing how investments have behaved, and in no way are a promise, expectation or guarantee of future returns. This does not represent the actual performance of any specific account, but is a theoretical construct.
All investments contain risk. Investors should consult with a professional to better understand the risks, consequences, and potential for loss.
Subject to Change
The terms presented here are subject to change at any time, and such changes will be made public on Harvested Financial’s Website. If you no longer agree to the terms, you shall discontinue use immediately. Details and information provided on the Website are subject to change at any time.
Any waiver or limitation described in this document is intended only to refer to itself, and does not imply a waiver of any other rights or conditions. If any of the provisions contained herein are determined to be illegal or unwaivable, that specific waiver will be enforced to the fullest extent possible, and is severable from other waivers which will be enforced to the fullest extent possible.
Users of Harvested Financial’s Website may not assign their rights and agreement to any third party. Harvested Financial may assign these Terms and Conditions to another entity without the express consent of users.
Users agree to waive all rights to a class action proceeding to the fullest extent permitted by law. No proceeding shall be joined with another, there is no right for the dispute to be arbitrated on a class basis, and there is no authority to bring disputes on behalf of the general public. Claims may only be brought in an individual capacity.
Any content that is submitted to Harvested Financial in the form of suggestions or product features becomes the property of Harvested Financial. To the extent that these ideas become incorporated into future products, including this Website, you waive all rights and claims to the intellectual property or other associated rights.
Questions and Contact:
If you have any questions about the terms, conditions, or use of the Website please do not hesitate to contact us. You can reach us at firstname.lastname@example.org.