Terms & Conditions

Welcome to Harness Money.

These Terms and Conditions (“Terms”) govern your access to and use of harnessmoney.com, including its articles, newsletters, downloads, tools, products, services, comments, and other content collectively referred to as the “Website.”

In these Terms, “Harness Money,” “we,” “us,” and “our” refer to Harness Money and its owner or operator. “You” and “your” refer to each person who accesses or uses the Website.

By accessing or using the Website, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Website.

1. Eligibility

You must be at least 18 years old to purchase products or services through the Website.

By using the Website, you represent that:

  • You have the legal capacity to enter into these Terms.
  • Your use of the Website will comply with applicable laws.
  • Information you submit will be accurate and will not violate another person’s rights.

The Website is operated from Texas, United States. We do not represent that the Website is appropriate or legally available in every location.

2. Educational and Informational Purposes Only

Harness Money provides content for general educational and informational purposes only.

Nothing on the Website constitutes individualized:

  • Financial advice
  • Investment advice
  • Tax advice
  • Legal advice
  • Accounting advice
  • Credit counseling
  • Insurance advice
  • Retirement-planning advice
  • Estate-planning advice
  • Professional advice of any other kind

Harness Money is not acting as your financial adviser, investment adviser, broker, dealer, fiduciary, attorney, accountant, tax professional, insurance agent, lender, or credit counselor.

No adviser-client, fiduciary, professional, or confidential relationship is created through your use of the Website, subscription to a newsletter, submission of a question, purchase of a product, or interaction with Harness Money.

You should consult appropriately licensed professionals before making decisions concerning investments, taxes, credit, insurance, retirement, legal matters, or your personal finances.

3. Investment Risk

All investments involve risk. You may lose some or all of the money you invest.

Past performance does not guarantee or predict future results. Historical returns, dividend payments, yields, projections, examples, models, and hypothetical results may not reflect future performance.

Content may discuss:

  • Stocks
  • Bonds
  • Exchange-traded funds
  • Mutual funds
  • Options
  • Real estate
  • Cryptocurrency
  • High-yield investments
  • Dividend strategies
  • Leveraged investments
  • Credit products
  • Other financial products or strategies

These products and strategies may involve significant risks and may not be suitable for you.

Any investment positions, portfolios, transactions, income figures, or strategies discussed on the Website may reflect the author’s personal circumstances and should not be treated as a recommendation that you take the same action.

You are solely responsible for:

  • Conducting your own research
  • Verifying information
  • Evaluating risks
  • Determining suitability
  • Reviewing fees and tax consequences
  • Making your own financial decisions

Never invest money that you cannot afford to lose.

4. No Guarantees

Harness Money does not guarantee that you will:

  • Earn income
  • Generate investment returns
  • Receive dividends
  • Build wealth
  • Improve your credit
  • Reduce expenses
  • Obtain approval for a financial product
  • Qualify for a particular interest rate or promotional offer
  • Achieve financial independence
  • Produce any specific financial result

Examples, projections, case studies, personal experiences, and testimonials are provided for illustration only. Your results will vary based on your circumstances, decisions, effort, market conditions, taxes, fees, timing, and other factors.

5. Accuracy and Timeliness

We attempt to provide useful and accurate information, but financial information can change quickly.

Interest rates, yields, stock prices, tax limits, laws, regulations, product terms, fees, bonuses, credit-card offers, lender requirements, and other details may change after content is published.

We do not warrant that Website content is:

  • Complete
  • Accurate
  • Current
  • Error-free
  • Suitable for your circumstances
  • Available at all times

Publication and “last updated” dates do not guarantee that every fact, figure, link, or offer has been independently reverified on that date.

You must verify important information directly with the relevant financial institution, government agency, issuer, provider, or licensed professional before acting.

We reserve the right to correct, update, remove, or modify content without notice.

6. Credit Cards and Financial Offers

The Website may discuss or link to credit cards, bank accounts, loans, brokerage accounts, insurance products, financial applications, and other financial products.

Harness Money is not a bank, lender, credit-card issuer, insurer, or financial institution unless expressly stated otherwise.

Product approval, eligibility, credit limits, rates, fees, rewards, bonuses, and terms are determined solely by the applicable provider.

Harness Money does not guarantee that:

  • You will be approved.
  • You will receive a particular offer.
  • An offer will remain available.
  • The terms displayed on the Website match the provider’s current terms.
  • A product is suitable for you.

Review all terms, fees, eligibility requirements, exclusions, and disclosures on the provider’s official website before applying.

Submitting multiple credit applications may affect your credit. Consider your personal circumstances before applying for any financial product.

7. Affiliate Links, Advertising, and Compensation

Harness Money may participate in affiliate programs and other commercial arrangements.

We may earn compensation when you:

  • Click certain links
  • Apply for a product
  • Open an account
  • Make a purchase
  • Subscribe to a service
  • Complete another qualifying action

This compensation may influence which products or services appear on the Website and how they are presented. However, compensation does not guarantee a favorable review or recommendation.

Affiliate relationships should be disclosed near applicable links or recommendations. You should assume that links to commercial products or services may generate compensation unless clearly stated otherwise.

You are not charged an additional fee merely because you use an affiliate link, although the third-party provider may impose its own prices and fees.

Advertisements and sponsored content will be identified when required.

Our opinions remain our own, but you should independently evaluate any product before purchasing or applying.

8. Third-Party Links and Services

The Website may link to third-party websites, financial institutions, applications, advertisers, affiliate partners, social-media platforms, and other services.

These links are provided for convenience and informational purposes. Harness Money does not control third parties and is not responsible for their:

  • Content
  • Accuracy
  • Availability
  • Security
  • Privacy practices
  • Product terms
  • Fees
  • Business conduct
  • Customer service
  • Decisions concerning your application or account

A link does not necessarily constitute an endorsement.

Your use of a third-party website or service is governed by that third party’s terms and privacy policy. Any dispute involving a third-party product or service must be addressed with that provider.

9. Intellectual Property

Unless otherwise stated, the Website and its original content are owned by or licensed to Harness Money and are protected by copyright, trademark, and other intellectual-property laws.

Protected material may include:

  • Articles
  • Guides
  • Workbooks
  • Checklists
  • Newsletters
  • Graphics
  • Logos
  • Videos
  • Audio
  • Photographs
  • Page designs
  • Downloadable resources
  • Calculators
  • Templates
  • Branding
  • Compilations
  • Other original content

You may view and print a reasonable number of pages for your personal, noncommercial use.

You may not, without prior written permission:

  • Republish substantial portions of the Website
  • Copy or distribute paid or downloadable materials
  • Sell, sublicense, or commercially exploit Website content
  • Modify content and present it as your own
  • Remove copyright or attribution notices
  • Scrape, harvest, or systematically extract Website content
  • Use Website content to create a competing product or service
  • Use Harness Money trademarks or branding in a misleading manner
  • Train or develop a commercial artificial-intelligence system using Website content where consent is legally required

Brief quotations may be used when permitted by law and accompanied by clear attribution and a link to the original page.

Requests for permission may be sent to theharnessmoneyreport@gmail.com.

10. User Submissions and Comments

The Website may allow visitors to submit comments, messages, reviews, questions, or other content.

You retain ownership of your original submission. By submitting content, you grant Harness Money a worldwide, nonexclusive, royalty-free, transferable, sublicensable license to use, reproduce, display, distribute, edit, adapt, and publish that content in connection with operating, promoting, and improving the Website.

You represent that:

  • You own or have permission to submit the content.
  • The submission is accurate to the best of your knowledge.
  • The submission does not violate another person’s rights.
  • The submission does not violate applicable law.

We may moderate, edit, decline, or remove submissions at our discretion.

Do not submit confidential, proprietary, personally sensitive, or account-security information. Submissions made through public comment areas should be considered public.

11. Prohibited Conduct

You may not use the Website to:

  • Violate any law or regulation
  • Infringe intellectual-property, privacy, publicity, or other rights
  • Publish defamatory, threatening, harassing, obscene, deceptive, or unlawful material
  • Impersonate another person or organization
  • Submit false or misleading information
  • Distribute spam or unsolicited promotions
  • Upload viruses, malicious code, or harmful technology
  • Attempt to gain unauthorized access to the Website or its systems
  • Interfere with the Website’s security or operation
  • Collect personal information about other users without authorization
  • Automate access in a manner that burdens or damages the Website
  • Circumvent access restrictions or security controls
  • Use Website content to facilitate fraud, market manipulation, or unlawful financial conduct

We may restrict or terminate access for conduct that violates these Terms or creates risk for Harness Money, its visitors, or third parties.

12. Newsletter and Electronic Communications

You may voluntarily subscribe to email communications from Harness Money.

By subscribing, you consent to receive the communications you requested. Emails may include educational content, promotions, affiliate links, product announcements, and advertisements.

You may unsubscribe from promotional emails using the unsubscribe link included in the message.

Unsubscribing from promotional emails may not prevent us from sending transactional, administrative, security, or legally required communications.

You are responsible for providing an accurate email address and maintaining the security of your email account.

13. Products, Services, and Purchases

Harness Money may offer digital products, physical products, memberships, courses, consultations, subscriptions, or other services.

Additional terms may apply to a specific purchase. Those additional terms will be presented at or before the time of purchase and will become part of these Terms.

Prices and availability may change without notice.

You agree to provide accurate billing and transaction information. You authorize the applicable payment processor to charge the payment method you provide.

We may refuse, limit, cancel, or refund an order when reasonably necessary, including in cases of:

  • Pricing errors
  • Suspected fraud
  • Unauthorized transactions
  • Product unavailability
  • Violation of these Terms

14. Digital Products and Refunds

Because digital products may be delivered immediately and cannot be physically returned, sales of downloadable products are final unless:

  • A different refund policy is stated on the applicable sales page
  • The file is materially defective
  • Applicable law requires otherwise

Before purchasing, carefully review the product description, format, compatibility requirements, and refund terms.

You may not share, resell, reproduce, upload, or distribute a purchased digital product except as expressly authorized in writing.

15. Testimonials and Personal Experiences

The Website may contain testimonials, personal stories, examples, or statements describing financial experiences.

These statements reflect individual experiences and do not guarantee that another person will achieve the same or similar result.

Testimonials may be edited for grammar, clarity, or length without changing their intended meaning.

Any material relationship involving a testimonial or endorsement will be disclosed where required.

16. Availability and Website Changes

We may modify, suspend, discontinue, restrict, or remove any part of the Website at any time.

We do not guarantee that the Website or any particular article, feature, download, product, or service will remain available.

The Website may experience interruptions caused by maintenance, hosting failures, cyberattacks, software errors, third-party services, or circumstances beyond our control.

We are not liable for loss resulting from Website downtime, discontinued content, or an inability to access the Website.

17. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND ALL CONTENT, PRODUCTS, AND SERVICES PROVIDED THROUGH IT ARE OFFERED “AS IS” AND “AS AVAILABLE.”

HARNESS MONEY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF:

  • MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • TITLE
  • NON-INFRINGEMENT
  • ACCURACY
  • RELIABILITY
  • AVAILABILITY
  • SECURITY

WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

Some jurisdictions do not permit the exclusion of certain warranties. In those jurisdictions, these exclusions apply only to the extent permitted by law.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HARNESS MONEY AND ITS OWNER, CONTRIBUTORS, AFFILIATES, SERVICE PROVIDERS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES DAMAGES ARISING FROM:

  • INVESTMENT OR TRADING LOSSES
  • LOST PROFITS OR INCOME
  • LOST DATA
  • LOSS OF BUSINESS OPPORTUNITY
  • CREDIT DECISIONS
  • TAX CONSEQUENCES
  • RELIANCE ON WEBSITE CONTENT
  • THIRD-PARTY PRODUCTS OR SERVICES
  • WEBSITE INTERRUPTIONS
  • UNAUTHORIZED ACCESS
  • ERRORS OR OMISSIONS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE WEBSITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

  1. The amount you paid directly to Harness Money for the applicable product or service during the six months preceding the event giving rise to the claim; or
  2. One hundred U.S. dollars.

Some jurisdictions do not permit certain liability limitations. In those jurisdictions, the limitations apply only to the extent legally permitted.

19. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Harness Money and its owner, contributors, affiliates, service providers, and representatives from claims, damages, liabilities, losses, costs, and expenses—including reasonable attorneys’ fees—arising from:

  • Your use or misuse of the Website
  • Your violation of these Terms
  • Your violation of applicable law
  • Your submission of content
  • Your infringement of another person’s rights

20. Termination

We may suspend, restrict, or terminate your access to all or part of the Website if we reasonably believe that you:

  • Violated these Terms
  • Engaged in fraudulent or unlawful activity
  • Created a security or legal risk
  • Interfered with the Website
  • Harmed Harness Money, another visitor, or a third party

Provisions that should logically survive termination will remain effective, including intellectual-property, disclaimer, liability, indemnification, and dispute provisions.

21. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

Subject to applicable consumer-protection laws, any legal proceeding arising from these Terms or the Website must be brought in a state or federal court with jurisdiction in Tarrant County, Texas, and each party consents to the personal jurisdiction and venue of those courts.

Nothing in this section prevents either party from bringing an eligible claim in small-claims court.

22. Changes to These Terms

We may update these Terms to reflect changes in the Website, our business practices, or applicable law.

The revised Terms become effective when posted unless a later effective date is stated.

The “Last Updated” date at the top indicates when the Terms were most recently revised. Your continued use of the Website after revised Terms take effect constitutes acceptance of those revised Terms.

23. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted or removed if necessary.

The remaining provisions will continue in effect.

24. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce it later.

A waiver is effective only when made in writing by an authorized representative of Harness Money.

25. Assignment

You may not assign or transfer your rights or obligations under these Terms without our written permission.

We may assign or transfer these Terms as part of a merger, acquisition, restructuring, sale of assets, or other business transaction.

26. Entire Agreement

These Terms, the Privacy Policy, and any additional terms presented for a specific product or service constitute the entire agreement between you and Harness Money concerning the Website.

They replace prior communications or agreements concerning the same subject matter.

27. Contact Information

Questions about these Terms may be sent to:

Harness Money
Website: harnessmoney.com
Email: theharnessmoneyreport@gmail.com
Location: Texas, United States