Terms of Service
Effective: June 15, 2026 · Last updated: June 15, 2026
The short version
HarborPay is software that helps insurance finance companies and their customers manage premium financing and payments. A few things to know up front:
We're the technology, not the lender. Your financing agreement is between you and the finance company you work with — not with HarborPay. We don't lend money, set your terms, or sell insurance.
Payments run through Moov. When you pay or move money, our payment partner (Moov Financial) handles the actual transfer. You authorize those payments.
Use HarborPay honestly and lawfully. Keep your login secure, give accurate information, and don't misuse the platform.
We do our best, but we're not perfect. The service is provided "as is," and there are limits on what we're responsible for — the details are below, and they matter.
The rest of this page is the full agreement. We kept it readable, but it's a real contract — please read it.
1. Agreement to these terms
These Terms of Service ("Terms") are a binding agreement between you and BLP.is LLC, doing business as HarborPay ("HarborPay," "we," "us"). They govern your use of the HarborPay platform, websites, and applications — including the lender console and the policyholder app at my.harborpay.app (together, the "Services").
By creating an account, signing an agreement through us, making a payment, or otherwise using the Services, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Services. If you're using the Services on behalf of a company, you represent that you have authority to bind that company to these Terms.
2. What HarborPay is — and isn't
This section is the most important one, so we're putting it plainly:
HarborPay is a software and technology provider. We give insurance premium finance companies and agencies ("Lenders") tools to originate premium finance agreements, collect installment payments from their customers ("Policyholders"), and move funds. That's it.
HarborPay is NOT:
a lender, creditor, or premium finance company;
a party to any premium finance agreement between a Policyholder and a Lender;
an insurance company, agent, or broker;
a bank, money transmitter, or your financial advisor.
We do not make credit decisions, set financing terms, extend credit, issue insurance, or pay insurance carriers. Every premium finance agreement is solely between the Policyholder and the Lender. Questions about your loan, your rate, your policy, or your balance are between you and your Lender. We don't provide legal, tax, financial, or insurance advice.
3. Who can use the Services
You must be at least 18 years old and able to form a binding contract. The Services are intended for use in the United States. You agree to provide accurate, current information and to keep it up to date.
You're responsible for your account and for keeping your login credentials secure. Tell us right away at support@harborpay.app if you think your account has been compromised. You're responsible for activity that happens under your account.
4. If you're a Policyholder
When you use HarborPay to finance and pay for an insurance premium:
Your agreement is with the Lender. HarborPay only provides the software you use to sign your agreement and make payments. The terms, rates, fees, and obligations come from your Lender.
You authorize payments. When you add a payment method and authorize a payment or autopay, you authorize HarborPay (through our payment processor) to debit your bank account by ACH for the amounts and on the schedule you agree to. You can manage or revoke an authorization as described in the platform and your authorization, subject to the timing rules of the ACH network.
Autopay and reminders. If you enroll in automatic payments, scheduled installments will be debited until you cancel or the agreement ends. We may send reminders, receipts, and notices about your payments.
Late or missed payments. Late fees, delinquency, and cancellation are governed by your agreement with the Lender and applicable law. HarborPay applies these as configured by your Lender; we don't decide them.
Keep your info current. Make sure your contact and payment details are accurate so payments and notices reach you.
5. If you're a Lender
If you access HarborPay as a Lender, agency, or one of their authorized users, you additionally agree that:
You are the lender of record. You — not HarborPay — originate and own each premium finance agreement, set its terms, and are responsible for it.
You're responsible for compliance. You are solely responsible for holding all required licenses and for complying with all laws and regulations that apply to premium finance, lending, insurance, consumer protection, and your business — including required disclosures, rate and fee limits, and recordkeeping.
Your connected account. To move money, you'll be onboarded as a connected account with our payment partner (Moov) and must complete their verification (KYB) and accept their terms. You're responsible for the accuracy of the information you provide and for the activity in your account.
Your customers and data. You're responsible for your relationship with your Policyholders, for the accuracy of the policy and financing data you enter, and for having the right to provide any information you submit to us.
Authorized users. You're responsible for the users you invite and the actions they take in your account.
Fees. You agree to the platform fees presented to you, which may be deducted from transactions or billed as described in your order or in the platform.
6. Payments and payment processing
Money movement on HarborPay is handled by our payment partner, Moov Financial, Inc. ("Moov"). By using payment features, you agree that:
Payments are processed by Moov and may be subject to Moov's own terms and policies, in addition to these Terms.
Funds collected from a Policyholder are credited to the applicable Lender's account; the Lender is responsible for moving those funds to its own bank and for paying any insurance carrier. HarborPay does not hold your funds as a bank and does not pay carriers.
We're not responsible for delays, errors, outages, or failures caused by Moov, the ACH network, banks, or other payment infrastructure outside our control.
You authorize us and Moov to take the steps reasonably necessary to process, verify, and (where applicable) reverse, return, or correct transactions.
7. Electronic communications and signatures
You agree to do business with us electronically. You consent to receive agreements, disclosures, notices, and other communications electronically, and you agree that your electronic signatures and acceptances are legally binding — the same as a handwritten signature — under the federal E-SIGN Act and similar laws. You can request a paper copy of an agreement from your Lender. To use electronic records you need a device with internet access, a current browser, and the ability to view and save PDFs.
8. Acceptable use
Don't use the Services to:
break the law or facilitate illegal activity, fraud, money laundering, or unauthorized transactions;
submit false, misleading, or someone else's information without authorization;
access accounts or data that aren't yours, or interfere with platform security;
probe, scrape, overload, reverse-engineer, or disrupt the Services; or
upload malware or anything harmful.
We may investigate and respond to suspected violations, including suspending or closing accounts.
9. Our intellectual property
The Services, including our software, design, and content, are owned by HarborPay and protected by law. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Services as intended while you comply with these Terms. You may not copy, modify, distribute, sell, or create derivative works from the Services except as we expressly allow. Feedback you send us is something we can use freely without obligation to you.
10. Third-party services
The Services rely on and link to third parties (for example, Moov for payments and Amazon Web Services for infrastructure). We're not responsible for third-party services, and your use of them may be subject to their own terms. Your Lender, your bank, and your insurance carrier are not controlled by HarborPay.
11. Disclaimers
The Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory — including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We don't warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components, or that any information in the platform is complete or accurate. HarborPay does not warrant any premium finance agreement, insurance policy, or the conduct of any Lender, Policyholder, bank, or carrier.
Some jurisdictions don't allow certain disclaimers, so some of the above may not apply to you.
12. Limitation of liability
To the fullest extent permitted by law:
HarborPay will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of or related to the Services — even if we've been advised of the possibility.
Our total liability for all claims relating to the Services will not exceed the greater of (a) the fees you paid us in the 12 months before the event giving rise to the claim, or (b) US $100.
These limits apply regardless of the legal theory and are a fundamental basis of our agreement. Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.
13. Indemnification
You agree to defend, indemnify, and hold harmless HarborPay and its officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to: your use of the Services; your violation of these Terms or any law; your premium finance agreements or your relationship with a Lender, Policyholder, or carrier; or information you submit through the Services.
14. Suspension and termination
You can stop using the Services at any time. We may suspend or terminate your access — with or without notice — if you violate these Terms, create risk or legal exposure, or if we're required to by a partner (such as Moov), a bank, or the law.
Termination doesn't erase obligations that already exist — for example, payment obligations under a premium finance agreement remain between the Policyholder and the Lender. Sections that by their nature should survive (including intellectual-property, disclaimer, liability-limit, indemnification, and dispute sections) survive termination.
15. Disputes and governing law
Let's talk first. If you have a problem, contact us at support@harborpay.app and we'll try to resolve it informally. Most issues can be settled this way.
Governing law. These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules.
Venue. You agree that any dispute relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Collin County, Texas, and you consent to their jurisdiction.
16. Changes to these Terms
We may update these Terms as HarborPay evolves. When we make material changes, we'll update the "Last updated" date and, where appropriate, give notice in the app or by email. Your continued use of the Services after changes take effect means you accept the updated Terms.
17. General
Entire agreement. These Terms (plus the Privacy Policy and any order or agreement you sign with us) are the entire agreement between you and HarborPay about the Services.
No waiver. If we don't enforce a provision, that's not a waiver of our right to enforce it later.
Severability. If a provision is unenforceable, the rest stays in effect.
Assignment. You can't assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale.
Force majeure. We're not liable for failures caused by events beyond our reasonable control.
18. Contact us
Company: BLP.is LLC dba HarborPay
Email: support@harborpay.app (privacy questions: privacy@harborpay.app)