Effective Date: 10th October 2026

1. Introduction

These Billing Terms and Conditions ("Terms") govern the payment obligations and processes between Harbor and Hedge ("Company", "we", "us", or "our") and the customer ("Customer", "you", or "your"). By accessing or using our services and purchasing our products, you agree to be bound by these Terms.

2. Payment Terms

2.1 Pricing

Prices: All prices for products and services are listed in USD and are subject to change without prior notice.

Taxes and Fees: Prices are exclusive of applicable taxes, duties, or charges unless otherwise specified.

2.2 Payment Methods

We accept the following payment methods:

Credit/Debit Cards: Visa, MasterCard, American Express, Discover and Diners Club.

Digital Wallets: Shop Pay, Apple Pay (on supported Apple devices), Google Pay and PayPal

Pay in Installments: Eligible orders can also be split into installments with Shop Pay Installments, a pay-later option offered by Affirm and subject to approval.

2.3 Payment Due Date

One-Time Purchases: Payment for one-time purchases is collected at checkout.

3. Invoicing

Invoice Issuance: Invoices will be issued upon order completion.

Delivery Method: Invoices will be sent electronically via Email to the contact information provided by the Customer.

Customer Responsibility: It is your responsibility to ensure that all billing information is accurate and up-to-date.

4. Questions About a Charge

Contact Us First: If you think a charge is wrong, please contact us as soon as possible so we can look into it and put it right quickly.

Contact Information: Send billing questions to support@HarborAndHedge.com with your order number and details of the issue.

Resolution: We will investigate and resolve billing issues promptly.

Your Card Rights: Nothing in these Terms limits any right you have to dispute a charge with your card issuer, bank or payment provider.

5. Refunds and Credits

Policy Reference: Refunds or credits are provided in accordance with our Refund Policy.

Processing Time: Any approved refunds will be processed to the original payment method within 10 business days.

Refund Period: It may take up to 14 business days for the refund to appear in your account after approval, depending on your bank’s processes.

6. Taxes

Customer Responsibility: You are responsible for all applicable taxes, including but not limited to sales tax, value-added tax (VAT), goods and services tax (GST), and any other similar charges.

Tax Exemption: If you are tax-exempt, you must provide a valid tax exemption certificate at the time of purchase.

7. Billing Errors

Corrections: If we discover a billing error, we will correct it promptly.

Overcharges: If you have been overcharged, we will refund or credit the overcharged amount.

Undercharges: If you have been undercharged, we will invoice you for the outstanding amount.

8. Payment Security

Data Protection: All payment information is handled securely in compliance with industry standards.

Payment Processor: Card, Shop Pay, Apple Pay and Google Pay payments are processed through Shopify Payments, and PayPal payments are processed by PayPal. We do not store your credit card information on our servers.

SSL Encryption: Transactions are secured using Secure Socket Layer (SSL) encryption technology.

9. Changes to Billing Terms

Modification Rights: We reserve the right to modify these Billing Terms and Conditions at any time.

Notification of Changes: Changes will become effective upon posting the updated Terms on our website at www.HarborAndHedge.com.

Acceptance of Changes: Continued use of our services after any such changes constitutes acceptance of the new Terms.

10. Limitation of Liability

No Liability for Indirect Damages: We are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to these Terms.

Maximum Liability: Our maximum liability for any claims arising under these Terms is limited to the amount paid by you for the services in the six months preceding the event giving rise to the liability.

11. Governing Law

Jurisdiction: These Terms are governed by the laws of Delaware, US, without regard to its conflict of law principles.

Venue: Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Delaware, US.

12. Contact Information

For any questions or concerns regarding billing, please contact us:

Company Name: Harbor and Hedge
Email: support@HarborAndHedge.com
Phone: +1 (888) 995-0566

Registered office: MPR Group LLC, 8 The Green, Ste R, Dover, DE 19901, USA (legal correspondence only)
Where we operate: Dubai, United Arab Emirates
Website: HarborAndHedge.com

13. Entire Agreement

These Billing Terms and Conditions, along with our Terms of Service and Privacy Policy, constitute the entire agreement between you and Harbor and Hedge regarding billing matters and supersede all prior agreements.

Acknowledgment

By using our services or purchasing our products, you acknowledge that you have read, understood, and agree to these Billing Terms and Conditions.