Terms & Conditions

Last Updated: 2025

Harbor Point Finance (“we,” “our,” “us”) operates the website harborpointfinance.com.
We are committed to protecting your privacy and being transparent about how your information is used.

This Privacy Policy explains what information we collect, how we use it, and what choices you have.

1. Information We Collect

Information You Provide

We may collect personal information when you:

• Subscribe to our newsletter

• Contact us by email

• Leave a comment or submit a form

This may include:

• Email address

• Name (optional)

• Any information you include in a message

Automatically Collected Data

Like most websites, we automatically collect:

• IP addresses

• Browser type

• Pages visited

• Time spent on pages

• Device information

• General location (city/state, not exact location)

This data is collected through:

• Cookies

• Google Analytics

• Website performance tools

2. How We Use Your Information

We use your information to:

• Provide and improve our website

• Send newsletters and updates

• Respond to messages and support requests

• Analyze website performance and traffic

• Recommend content and products relevant to you

We do not sell your personal information.

3. Affiliate Disclosure

Harbor Point Finance participates in affiliate programs.
This means that when you click certain links on our site and make a purchase or sign up for a service, we may earn a commission — at no extra cost to you.

Affiliate partners may use cookies or tracking technology to credit purchases to us.

We only recommend tools and services we genuinely believe are helpful.

4. Cookies & Tracking Technologies

We use cookies to:

• Improve website speed

• Track analytics

• Personalize content

• Understand how visitors use the site

You may disable cookies in your browser at any time, but some features may not work properly.

5. Email & Newsletter

If you subscribe to our newsletter, we collect your email address.
We use this to send:

• Financial tips

• Credit-building advice

• Updates and new articles

• Occasional product recommendations

You can unsubscribe at any time by clicking the link in any email.

We do not share or sell your email address.

6. Third-Party Services

We may use third-party tools, including:

• Google Analytics

• Email marketing providers (Mailchimp, MailerLite, etc.)

• Affiliate networks (Impact, ShareASale, Amazon Associates)

These services may collect data according to their own privacy policies.

7. Children’s Privacy

Our website is not intended for children under 13.
We do not knowingly collect personal information from children.

8. Data Protection & Your Rights

Depending on your location, you may have rights to:

• Access your personal data

• Request deletion

• Request correction

• Opt out of tracking

You may contact us to exercise these rights.

9. Changes to This Policy

We may update this Privacy Policy at any time.
The “Last Updated” date at the top reflects the most recent changes.

10. Contact Us

If you have questions about this Privacy Policy or your data:

Email: harborpointfinance2025@gmail.com