Last Updated: April 3, 2026
Clear Harbor Financial ("Clear Harbor Financial," "we," "our," "us") provides you ("User," "you," "your") with access to its website, content, resources, tools, systems for communication, technology platforms, and other services through its systems (collectively, the "Service"), subject to the following Terms of Use (the "Terms").
By accessing or using the Clear Harbor Financial website located at clearharborfinancial.com, or engaging in any form of communication with Clear Harbor Financial, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.
These Terms constitute a legally binding agreement between you and Clear Harbor Financial. Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.
The Service is intended for use by residents of the United States. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Clear Harbor Financial is a financial services company that provides lending solutions, including but not limited to personal loans, debt consolidation, business loans, and home improvement loans. Through the Service, you may access information about our financial products, submit applications for financing, communicate with our team, and use tools and calculators designed to help you evaluate your financial options.
Clear Harbor Financial does not guarantee that you will be approved for a loan or a particular loan amount, or by any particular lender. Loan approval is subject to credit review, verification of information, and other underwriting criteria. All loan products are subject to credit approval, and rates and terms may vary based on your creditworthiness and other factors.
You may have received an offer to apply for financing (the "Offer"). This Offer is for an unsecured personal loan through the Clear Harbor Financial Loan Program (the "Program"); loans may be funded by third-party lenders and/or loan funding sources. Unsecured personal loans range between $10,000 and $100,000, and business loans range between $10,000 and $500,000, and will vary according to creditworthiness. Clear Harbor Financial does not guarantee that you will be approved for a loan or a particular loan amount, or by any particular lender. Clear Harbor Financial does not endorse any particular lender, nor does it control the creditworthiness qualifications required by any particular lender.
The Program may be unable to extend credit if, among other reasons and without limitation, after you respond to the Offer, the lender determines that you do not or no longer meet the criteria established prior to the Offer. The Offer may be accepted only by the person identified in the Offer. Account approval is subject to reverification of your credit history.
The Program may request verification of income and employment from your employer(s). Self-employed or commissioned applicants may be asked for the past two years of income tax filings. Alimony, child support, or separate maintenance income need not be disclosed if you do not wish the Program to consider it as a basis for repayment.
Clear Harbor Financial complies with the USA PATRIOT Act. When you respond and apply for a loan, Clear Harbor Financial asks for identifying information and will request a consumer credit report, which Clear Harbor Financial will review to verify, among other things, your identity. Upon request, you will be informed of the name and address of the credit reporting agency furnishing any such report. Subsequent consumer reports may be requested and used in connection with an update, renewal, or extension of credit.
Certain features of the Service may require you to create an account or provide personal information. As a condition of your use of the Service, you agree to:
If you provide any information that is untrue, inaccurate, not current, or incomplete, Clear Harbor Financial has the right to suspend or terminate your account and refuse any and all current or future use of the Service.
Clear Harbor Financial has the right to use and disclose aggregate Application Information to third parties in connection with marketing of services, subject to our Privacy Policy.
You agree not to use the Service for any commercial purpose, including reselling and/or co-branding or private labeling of any aspect of the Service without the prior written consent of Clear Harbor Financial.
As a condition of your use of the Service, you must not use the Service for any illegal purposes. You will be solely responsible for the contents of transmissions made by you or through your account through the Service.
You acknowledge that Clear Harbor Financial may establish general practices and limits concerning use of the Service, including without limitation the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on Clear Harbor Financial's servers on your behalf.
You agree not to use the Service to:
The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by Clear Harbor Financial, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
The Clear Harbor Financial name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Clear Harbor Financial or its affiliates or licensors. You must not use such marks without the prior written permission of Clear Harbor Financial. All other names, logos, product and service names, designs, and slogans on the Service are the trademarks of their respective owners.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service, except as follows:
The Service may contain links to third-party websites, services, or resources that are not owned or controlled by Clear Harbor Financial. Clear Harbor Financial has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Clear Harbor Financial shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER CLEAR HARBOR FINANCIAL NOR ANY PERSON ASSOCIATED WITH CLEAR HARBOR FINANCIAL MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICE.
WITHOUT LIMITING THE FOREGOING, NEITHER CLEAR HARBOR FINANCIAL NOR ANYONE ASSOCIATED WITH CLEAR HARBOR FINANCIAL REPRESENTS OR WARRANTS THAT THE SERVICE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SERVICE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SERVICE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, CLEAR HARBOR FINANCIAL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
IN NO EVENT WILL CLEAR HARBOR FINANCIAL, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
You agree to defend, indemnify, and hold harmless Clear Harbor Financial, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service, including, but not limited to, any use of the Service's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Service.
MOST DISPUTES AND CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO YOUR SATISFACTION BY CONTACTING US AT LEGAL@CLEARHARBORFINANCIAL.COM. HOWEVER, IN THE UNLIKELY EVENT THAT CLEAR HARBOR FINANCIAL CANNOT RESOLVE A DISPUTE WITH YOU, THEN, EXCEPT WITH RESPECT TO SMALL COURT CLAIMS AND CLAIMS RELATED TO INTELLECTUAL PROPERTY AS SET FORTH IN THE "ARBITRATION AGREEMENT" SECTION BELOW ("ARBITRATION AGREEMENT"), BOTH YOU AND CLEAR HARBOR FINANCIAL AGREE TO SUBMIT THE DISPUTE TO THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS CONSUMER AND/OR COMMERCIAL ARBITRATION RULES OR, BY SEPARATE MUTUAL AGREEMENT, TO ANOTHER ARBITRATION INSTITUTION, IN ACCORDANCE WITH THE "ARBITRATION AGREEMENT" SECTION BELOW.
YOU UNDERSTAND THAT BY ENTERING INTO THIS AGREEMENT, YOU AND CLEAR HARBOR FINANCIAL ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
A) CLAIMS TO BE RESOLVED BY BINDING ARBITRATION. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLEAR HARBOR FINANCIAL AND YOU AGREE TO ARBITRATE ANY AND ALL DISPUTES AND CLAIMS BETWEEN YOU AND CLEAR HARBOR FINANCIAL, AND BETWEEN YOU AND OUR FORMER OR PAST EMPLOYEES, DIRECTORS, OFFICERS, AND CONTRACTORS, IN ALL CASES ARISING OUT OF OR RELATING TO THE TERMS OR THE SERVICES, EXCEPT THAT: (1) EACH PARTY MAY COMMENCE AN ACTION IN A COURT OF PROPER JURISDICTION FOR INJUNCTIVE OR OTHER EQUITABLE RELIEF PENDING A FINAL DECISION BY THE ARBITRATOR, AND (2) EITHER PARTY MAY BRING AN INDIVIDUAL ACTION IN SMALL CLAIMS COURT IF THE RULES OF THAT SMALL CLAIMS COURT WILL ALLOW IT. IF EITHER PARTY DOES NOT BRING ITS CLAIM IN SMALL CLAIMS COURT (OR IF YOU OR WE APPEAL A SMALL CLAIMS COURT JUDGMENT TO A COURT OF GENERAL JURISDICTION), THEN THE CLAIMS MUST BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION.
YOU AGREE THAT, BY AGREEING TO THE TERMS, YOU AND CLEAR HARBOR FINANCIAL ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION TO THE MAXIMUM EXTENT PERMITTED BY LAW. THE TERMS EVIDENCE A TRANSACTION IN INTERSTATE COMMERCE, AND THUS THE FEDERAL ARBITRATION ACT GOVERNS THE INTERPRETATION AND ENFORCEMENT OF THIS ARBITRATION PROVISION. THIS ARBITRATION PROVISION SHALL SURVIVE TERMINATION OF THE TERMS OR YOUR RELATIONSHIP WITH CLEAR HARBOR FINANCIAL FOR ANY REASON.
B) ARBITRATOR. ANY ARBITRATION BETWEEN YOU AND CLEAR HARBOR FINANCIAL WILL BE GOVERNED BY THE COMMERCIAL DISPUTE RESOLUTION PROCEDURES AND THE SUPPLEMENTARY PROCEDURES FOR CONSUMER RELATED DISPUTES (COLLECTIVELY, "AAA RULES") OF THE AMERICAN ARBITRATION ASSOCIATION ("AAA"), AS MODIFIED BY THESE TERMS, AND WILL BE ADMINISTERED BY THE AAA. THE AAA RULES AND FILING FORMS ARE AVAILABLE ONLINE AT WWW.ADR.ORG, BY CALLING THE AAA AT 1-800-778-7879, OR BY CONTACTING CLEAR HARBOR FINANCIAL.
ALL ISSUES ARE FOR THE ARBITRATOR TO DECIDE, INCLUDING THE SCOPE AND ENFORCEABILITY OF THIS ARBITRATION PROVISION AS WELL AS OTHER TERMS AND CONDITIONS IN THESE TERMS, AND THE ARBITRATOR SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ANY SUCH DISPUTE RELATING TO THE SCOPE AND ENFORCEABILITY OF THIS ARBITRATION PROVISION OR ANY OTHER TERM OF THESE TERMS.
C) NOTICE AND PROCESS. A PARTY WHO INTENDS TO SEEK ARBITRATION MUST FIRST SEND TO THE OTHER, BY CERTIFIED MAIL, A WRITTEN NOTICE OF DISPUTE ("NOTICE"). THE NOTICE TO CLEAR HARBOR FINANCIAL SHOULD BE ADDRESSED TO: CLEAR HARBOR FINANCIAL, 78 SW 7TH ST, SUITE 09-127, MIAMI, FL 33130 ("NOTICE ADDRESS") AND MUST BE SIGNED BY YOU PERSONALLY. THE NOTICE MUST (A) DESCRIBE THE NATURE AND BASIS OF THE CLAIM OR DISPUTE; AND (B) SET FORTH THE SPECIFIC RELIEF SOUGHT ("DEMAND"). IF YOU AND CLEAR HARBOR FINANCIAL DO NOT REACH AN AGREEMENT TO RESOLVE THE CLAIM WITHIN 30 DAYS AFTER THE NOTICE IS RECEIVED, YOU OR CLEAR HARBOR FINANCIAL MAY COMMENCE AN ARBITRATION PROCEEDING PURSUANT TO THE TERMS OF THIS ARBITRATION AGREEMENT.
D) FEES. IN THE EVENT THAT YOU COMMENCE ARBITRATION IN ACCORDANCE WITH THESE TERMS, CLEAR HARBOR FINANCIAL WILL, AT YOUR REQUEST, REIMBURSE YOU FOR YOUR PAYMENT OF THE ARBITRATION FILING FEE, UNLESS YOUR CLAIM IS FOR GREATER THAN $10,000, IN WHICH CASE THE PAYMENT OF ANY FEES SHALL BE DECIDED BY THE AAA RULES. ANY IN-PERSON ARBITRATION HEARINGS WILL TAKE PLACE AT A LOCATION TO BE AGREED UPON IN MIAMI-DADE COUNTY, FLORIDA. REGARDLESS OF THE MANNER IN WHICH THE ARBITRATION IS CONDUCTED, THE ARBITRATOR SHALL ISSUE A REASONED WRITTEN DECISION SUFFICIENT TO EXPLAIN THE ESSENTIAL FINDINGS AND CONCLUSIONS ON WHICH THE DECISION AND AWARD, IF ANY, ARE BASED.
E) CLASS ACTION WAIVER. ANY ARBITRATION UNDER THESE TERMS WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. UNLESS BOTH YOU AND CLEAR HARBOR FINANCIAL AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT INDIVIDUAL PARTY'S CLAIM. ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS.
YOU AND CLEAR HARBOR FINANCIAL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
F) MODIFICATIONS. IF CLEAR HARBOR FINANCIAL MAKES ANY FUTURE CHANGE TO THIS ARBITRATION AGREEMENT (OTHER THAN A CHANGE TO THE NOTICE ADDRESS) AFTER YOUR USE OF THE SERVICES, YOU MAY REJECT ANY SUCH CHANGE AND REQUIRE CLEAR HARBOR FINANCIAL TO ADHERE TO THE LANGUAGE IN THIS ARBITRATION PROVISION AS WRITTEN AT THE TIME OF YOUR ENROLLMENT OR USE, BY SENDING US WRITTEN NOTICE WITHIN 30 DAYS OF THE CHANGE TO THE NOTICE ADDRESS PROVIDED ABOVE.
G) SEVERABILITY AND ENFORCEABILITY. IF AN ARBITRATOR OR COURT DECIDES THAT ANY PART OF THIS SECTION IS INVALID OR UNENFORCEABLE, THE OTHER PARTS OF THIS SECTION SHALL STILL APPLY. IF THE ENTIRETY OF THIS SECTION IS FOUND TO BE UNENFORCEABLE, THEN THE PARTIES AGREE THAT THE EXCLUSIVE JURISDICTION AND VENUE DESCRIBED IN SECTION 13 SHALL GOVERN ANY ACTION ARISING OUT OF OR RELATED TO THE TERMS, AND THAT THE REMAINDER OF THE TERMS WILL CONTINUE TO APPLY.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of or related to these Terms or the Service that is not subject to arbitration as set forth above shall be instituted exclusively in the federal courts of the United States or the courts of the State of Florida, in each case located in Miami-Dade County, Florida, and you waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
When you use the Service or send emails, text messages, and other communications from your desktop or mobile device to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email, by posting notices on the Service, or by text message. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
By providing your phone number to Clear Harbor Financial, you consent to receive calls and/or text messages from Clear Harbor Financial or its agents, including for marketing purposes. You may opt out of receiving text messages at any time by texting STOP in response to any message you receive from us. Standard message and data rates may apply.
Clear Harbor Financial has no obligation to observe or monitor the Service. However, Clear Harbor Financial reserves the right to review materials posted and to remove any material(s), with or without reason or notice. Clear Harbor Financial also reserves the right to terminate your access to any or all of the Service, at any time, without notice, for any reason whatsoever or no reason.
Clear Harbor Financial reserves the right, subject to applicable attorney-client privilege and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or in part.
DEPENDING ON THE OTHER SERVICE(S) OR PRODUCT(S) PURCHASED OR ENROLLED IN BY THE USER, THE USER MAY BE SUBJECT TO ADDITIONAL AGREEMENTS AND LEGAL DISCLAIMER(S), WHICH WILL SUPERSEDE THESE TERMS WITH RESPECT TO THE SUBJECT MATTER FOR WHICH THE ADDITIONAL AGREEMENTS CONTROL.
Clear Harbor Financial reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Service following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms, Clear Harbor Financial grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Service.
We will notify you about material changes to these Terms by placing a prominent notice on the Service or by sending you an email so that you can choose whether to continue using the Service.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
The failure of Clear Harbor Financial to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms constitute the entire agreement between you and Clear Harbor Financial regarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service.
If you have any questions or comments about these Terms of Use, please contact us: