1. Platform Services & Onboarding Verification
Harbour One, Inc. (“Harbour One,” “we,” “our,” or “us”) provides an invite-only escrow-secured transactional marketplace. The Platform connects premium buyers (“Clients”) with verified domain experts and creators (“Creators”) for consulting sessions, code reviews, and custom digital deliverables.
By applying for access or accessing the Platform, you represent that you are at least 18 years of age and that all information provided during the onboarding trust verification process is accurate. Harbour One reserves the right to suspend or terminate accounts that provide false information or fail to satisfy our verification criteria.
2. The Escrow Engine Mechanics & Funds Commitment
To provide a secure transaction environment for high-ticket advisory bookings, all payments on Harbour One must route through the Platform's proprietary Escrow Engine:
- Funds Commitment: When a Client requests a booking, the transaction total is billed immediately and held securely in our escrow ledger.
- Fulfillment Window & Delivery SLA: Creators must complete the experience or deliver the designated digital assets within the timeframe specified in the experience listing.
- Escrow Clearance: Funds are cleared into the Creator's available payout balance upon Client confirmation of delivery, or upon expiration of the delivery SLA window without a dispute filing.
3. The 72-Hour Creator Veto Protocol
Absolute Veto Power Rules
To protect brand integrity, Creators retain absolute veto power. A Creator may cancel any client request or booking within a seventy-two (72) hour window from submission.
In the event of a Creator veto, the escrowed funds are auto-refunded to the Client's source payment method in full. No platform fees or processing surcharges apply to vetoed transactions.
4. Anti-Ghosting Protocol & Automatic Cancellation
To respect Client timelines and keep bookings fluid, Creators are subject to a strict forty-eight (48) hour response rule upon escrow confirmation. If the Creator does not accept the request, respond to the client brief, or schedule meeting times within forty-eight hours, the Anti-Ghosting protocol triggers.
Upon activation of the Anti-Ghosting protocol, the request is automatically canceled, and a full refund is returned to the Client.
5. Resolution Center & Dispute Arbitration
If a deliverable is incomplete, low-quality, or a party fails to attend a scheduled session, either user may file a dispute in the Resolution Center:
- Escrow Lock: Filing a dispute immediately pauses the release of escrow funds, preserving them in a secure holds ledger.
- Moderator Mediation: Harbour One's Trust & Safety arbitration panel will review the intake brief, communication transcripts, and uploaded evidence. The decision of our moderation team regarding funds division or refund issuance is contractually binding.
6. Payouts, Platform Fees, & Regulatory Tax Compliance
Harbour One charges a 5% escrow and platform operation fee on the transaction total, billed during checkout. When an order is marked as fulfilled, funds (less the platform fee) clear into the Creator's available payout ledger. Creators may initiate bank payouts at any time through our verified banking rails.
Creators are solely responsible for calculating, reporting, and paying all applicable local, state, and federal taxes on earnings generated through the Platform. Harbour One will issue IRS Form 1099-NEC statements to US-based Creators who exceed regulatory transaction thresholds.
7. Non-Circumvention Policy & Liquidated Damages
Prohibition of Off-Platform Transactions
Clients and Creators are strictly prohibited from circumventing the Harbour One Escrow Engine by transacting directly or using alternative payment methods outside the Platform.
Any off-platform transactions immediately void our Escrow Protection guarantee, and participating accounts will be permanently banned from the Harbour One ecosystem.
8. Intellectual Property & Work Licensing Rights
Unless otherwise specified in writing inside the transaction brief, the default IP terms for deliverables completed via the Platform are:
- Creator Ownership: The Creator retains ownership of all pre-existing IP, methodology, algorithms, and design systems used to complete the request.
- Client License: Upon successful release of escrow funds, the Creator grants the Client a non-exclusive, perpetual, royalty-free, worldwide license to use the deliverables for internal business operations.
9. Indemnification & Limitation of Liability
You agree to indemnify, defend, and hold harmless Harbour One, Inc. and its directors, officers, employees, and agents from any claims, losses, liabilities, damages, or expenses arising from your use of the Platform, breach of these Terms, or interactions with other Platform users.
IN NO EVENT SHALL HARBOUR ONE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR USE, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM OR IN CONNECTION WITH THE PLATFORM'S SERVICES, EXCEEDING THE TOTAL AMOUNT PAID TO HARBOUR ONE BY YOU IN THE SIX (6) MONTHS PRECEDING THE CLAIM.
10. Governing Law & Binding Arbitration (AAA Rules)
These Terms and all disputes arising from your use of the Platform shall be governed by Delaware law, without regard to conflict of law principles.
All disputes shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. You waive any right to participate in class actions or class-wide arbitration.
For legal inquiries, contact our legal counsel team at legal@harbourone.club.