Privacy and Terms

Privacy Policy

Our Commitment to Privacy

At Harvest Financial Management, we are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. We do not collect, sell, or share your personal information with third parties for marketing purposes.

Information We Collect

We collect only the information necessary to provide our financial management services:

• Account Information: Email address, name, and authentication credentials
• Financial Data: Portfolio information, investment data, and net worth tracking details you choose to input
• Usage Data: Basic analytics to improve our service functionality
• Vault Documents: Any documents or information you choose to store in The Vault feature

How We Use Your Information

Your information is used exclusively to:

• Provide portfolio analysis and financial tracking services
• Generate AI-powered insights and recommendations
• Maintain secure access to your account and data
• Improve our platform's functionality and user experience
• Execute Vault distribution protocols as specified by you

Data Security

We implement industry-standard security measures including encryption, secure authentication, and regular security audits to protect your data. Your financial information is encrypted both in transit and at rest.

Third-Party Services

We may use trusted third-party services for authentication, data hosting, and financial data aggregation. These providers are bound by strict confidentiality agreements and do not have access to sell or misuse your data.

AI-Powered Analysis

Harvest offers optional AI-powered analysis features using third-party AI providers (currently Anthropic Claude and OpenAI). When you use these features:

• Your API Key: You provide and manage your own API key for the AI provider of your choice. Harvest encrypts and stores your key securely but uses it on your behalf to make requests to the AI provider.
• Cached Responses: AI analysis results may be cached temporarily. If a recent analysis already exists for the same request, the cached result is returned without making a new API call or using your API key.
• Data Sent to AI Providers: When a new analysis is requested, relevant financial data (such as market quotes, portfolio holdings, technical indicators, and ratings) is sent to the AI provider to generate insights. No personally identifiable information (such as your name or email) is included in these requests.
• AI Provider Terms: Your use of AI features is also subject to the terms and privacy policies of the respective AI provider (Anthropic or OpenAI).
• Not Financial Advice: AI-generated analysis is for informational purposes only and does not constitute financial advice.

The Vault - Digital Inheritance Terms

How The Vault Works

• Your Control: You designate which contacts can receive which documents
• Your Rules: You set the conditions and timing for document distribution
• Secure Storage: All vault documents are encrypted and securely stored
• Next-of-Kin Protocol: Distribution occurs only according to your pre-specified rules

Vault Distribution Conditions

Document distribution from The Vault occurs when:

• You explicitly authorize distribution
• Specified time-based conditions are met (as configured by you)
• Next-of-kin protocols are triggered according to your settings
• Legal requirements mandate disclosure (with appropriate legal process)

Your Responsibilities

• Ensure contact information for designated recipients is accurate and current
• Review and update vault distribution rules regularly
• Inform trusted contacts about their designation when appropriate
• Understand that vault distribution is irreversible once executed

Terms of Service

Service Description

Harvest Financial Management provides portfolio analysis, net worth tracking, investment insights, and digital asset management tools. Our services include AI-powered analysis and recommendations (via third-party AI providers using your own API key), live market data, technical analysis, and secure document storage through The Vault.

User Responsibilities

• Provide accurate financial information for analysis
• Maintain the security of your account credentials
• Use the service in compliance with applicable laws
• Review AI-generated recommendations with appropriate financial advisors

Disclaimer

Harvest provides financial analysis tools and AI-powered insights for informational purposes. Our recommendations do not constitute financial advice. Users should consult with qualified financial advisors before making investment decisions.

Limitation of Liability

Harvest Financial Management is not liable for investment losses, market volatility, or decisions made based on our analysis tools. Users acknowledge that all investments carry inherent risks.

Contact Us

If you have questions about this Privacy and Terms policy or our data practices, please contact us: