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Terms of Service

Last updated: March 29, 2026

Welcome to MRRHarbor. These Terms of Service ("Terms") govern your access to and use of the MRRHarborplatform, website, and services (collectively, the "Service") operated byMRRHarbor("we," "our," or "us"). Please read these Terms carefully before using the Service. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

1. Acceptance of Terms

By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you are using the Service on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and such entity. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and may not use the Service.

2. Description of Service

MRRHarbor is a subscription payment recovery platform designed for SaaS businesses that use Stripe for payment processing. The Service provides automated payment recovery functionality, including but not limited to:

  • Monitoring your Stripe account for failed subscription payments
  • Executing intelligent retry logic for failed payments through the Stripe API
  • Sending automated dunning email campaigns to customers with failed payments
  • Providing analytics and reporting on payment recovery performance
  • Generating customer-facing payment update pages

The Service operates by connecting to your Stripe account through the Stripe API. You acknowledge that the effectiveness of payment recovery depends on many factors outside our control, including but not limited to the validity of customer payment methods, bank authorization decisions, and customer responsiveness. We do not guarantee any specific recovery rate or outcome.

3. Account Registration and Security

To use the Service, you must create an account and connect your Stripe account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information to keep it accurate and current
  • Maintain the security and confidentiality of your login credentials
  • Immediately notify us of any unauthorized use of your account or any other security breach
  • Accept full responsibility for all activities that occur under your account

We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, not current, or incomplete. You may not transfer or assign your account to any other person or entity without our prior written consent.

4. Stripe Account Authorization

By connecting your Stripe account to the Service, you authorize us to access your Stripe account data as necessary to provide the Service, including but not limited to customer data, subscription data, invoice data, and payment method information. You represent and warrant that you have the legal right and authority to grant us access to your Stripe account and the data contained therein. You are solely responsible for ensuring that your use of the Service, including the sending of dunning emails to your customers, complies with all applicable laws, regulations, and your own terms of service and privacy policy with your customers.

5. Subscription and Billing

5.1 Subscription Plans

The Service is offered on a subscription basis. Details regarding available plans, pricing, and features are described on our website and may be updated from time to time. All fees are quoted in U.S. dollars unless otherwise specified.

5.2 Payment

You agree to pay all fees associated with your selected subscription plan. Payment is processed through Stripe. By providing a payment method, you authorize us to charge the applicable fees to your payment method on a recurring basis according to your billing cycle. All fees are non-refundable except as expressly set forth herein or as required by applicable law.

5.3 Price Changes

We reserve the right to modify our pricing at any time. Any price changes will take effect at the start of your next billing cycle following notice of the change. Your continued use of the Service after a price change constitutes your agreement to pay the updated amount. If you do not agree with a price change, you may cancel your subscription before the change takes effect.

5.4 Free Trials

We may offer free trial periods at our sole discretion. At the end of a free trial, your subscription will automatically convert to a paid subscription unless you cancel before the trial period ends. We reserve the right to limit free trials to one per customer or organization.

6. Acceptable Use

You agree not to use the Service to:

  • Violate any applicable local, state, national, or international law or regulation
  • Send unsolicited, unauthorized, or deceptive communications (spam) to any person
  • Harass, abuse, threaten, or intimidate any person, including your own customers
  • Transmit any material that is unlawful, harmful, threatening, abusive, defamatory, vulgar, obscene, or otherwise objectionable
  • Interfere with or disrupt the Service, servers, or networks connected to the Service
  • Attempt to gain unauthorized access to any part of the Service, other accounts, computer systems, or networks connected to the Service
  • Use the Service to collect or harvest personal information of others without their consent
  • Use any automated means (including bots, scrapers, or spiders) to access the Service except through the APIs we explicitly provide
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service
  • Sublicense, resell, rent, lease, transfer, assign, or otherwise dispose of the Service or any rights therein to any third party
  • Use the Service in any manner that could damage, disable, overburden, or impair the Service
  • Use the Service to process payments or recover revenue for illegal products or services

We reserve the right to investigate and take appropriate legal action against anyone who violates this provision, including without limitation, terminating their account and reporting such violations to law enforcement authorities.

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of MRRHarbor and its licensors. The Service is protected by copyright, trademark, trade secret, and other intellectual property or proprietary rights laws of the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. Nothing in these Terms grants you any right to use any of our trademarks, logos, domain names, or other distinctive brand features.

You retain all rights to the data you provide to us or that we access through your Stripe account. By using the Service, you grant us a limited, non-exclusive, non-transferable license to access, use, and process your data solely for the purpose of providing and improving the Service.

8. Data Processing and Customer Data

8.1 Your Responsibilities

You are the data controller with respect to the personal data of your end customers that is processed through the Service. You are responsible for ensuring that you have obtained all necessary consents, authorizations, and legal bases required under applicable data protection laws (including GDPR, CCPA, and other applicable privacy regulations) to allow us to process your end customers' data as described in these Terms and our Privacy Policy. You are also responsible for ensuring that your privacy policy and terms of service adequately disclose your use of third-party services such as MRRHarbor.

8.2 Our Responsibilities

We act as a data processor with respect to your end customers' data. We will process such data only in accordance with your instructions and as necessary to provide the Service. We implement appropriate technical and organizational security measures to protect the data we process. We will promptly notify you of any data breach affecting your data that we become aware of.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE; (D) ANY SPECIFIC PAYMENT RECOVERY RATE OR OUTCOME WILL BE ACHIEVED; (E) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; OR (F) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

YOU ACKNOWLEDGE THAT PAYMENT RECOVERY DEPENDS ON MANY FACTORS OUTSIDE OUR CONTROL, INCLUDING CUSTOMER PAYMENT METHOD VALIDITY, BANK AUTHORIZATION DECISIONS, CUSTOMER RESPONSIVENESS, AND STRIPE API AVAILABILITY. WE ARE NOT RESPONSIBLE FOR THE ACTIONS OR INACTIONS OF STRIPE, BANKS, PAYMENT NETWORKS, OR YOUR CUSTOMERS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MRRHarbor, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE SERVICE; (B) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA OR TRANSMISSIONS; (C) ANY THIRD-PARTY CONDUCT ON THE SERVICE; (D) FAILED PAYMENT RECOVERIES OR REVENUE NOT RECOVERED; (E) EMAILS SENT OR NOT SENT ON YOUR BEHALF THROUGH THE SERVICE; (F) ANY INTERRUPTION OR CESSATION OF THE SERVICE; OR (G) ANY OTHER MATTER RELATING TO THE SERVICE.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

THE LIMITATIONS OF LIABILITY SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless MRRHarborand its officers, directors, employees, agents, partners, suppliers, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees) arising from or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party, including without limitation any intellectual property, privacy, or proprietary right; (d) any claim that your use of the Service caused damage to a third party, including your end customers; (e) any dunning emails or communications sent to your customers through the Service; (f) your failure to comply with applicable data protection laws with respect to your customers' data; or (g) any content or data you submit, post, or transmit through the Service. This defense and indemnification obligation will survive termination of these Terms and your use of the Service.

12. Termination

12.1 Termination by You

You may terminate your account and these Terms at any time by canceling your subscription through your account settings or by contacting us. Upon cancellation, your access to the Service will continue until the end of your current billing period, after which your account will be deactivated.

12.2 Termination by Us

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice, at our sole discretion. Without limiting the foregoing, we may terminate or suspend your account if we reasonably believe: (a) you have violated these Terms; (b) your use of the Service creates risk or possible legal exposure for us; (c) your account should be removed due to prolonged inactivity; or (d) providing the Service to you is no longer commercially viable.

12.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnification, and limitations of liability. We are not liable to you or any third party for any termination of your access to the Service. Any fees paid prior to termination are non-refundable, except as required by applicable law.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to these Terms or the Service shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction and venue of such courts.

14. Dispute Resolution

14.1 Informal Resolution

Before filing any formal legal proceedings, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service by contacting us to attempt to resolve the dispute informally. We will attempt to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 30 days of submission, either party may proceed to formal resolution.

14.2 Binding Arbitration

If the parties cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator in the State of Delaware. The arbitrator's decision shall be final and binding on both parties and may be entered as a judgment in any court of competent jurisdiction.

14.3 Class Action Waiver

YOU AND MRRHarbor 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. Unless both you and MRRHarboragree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding.

15. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect by posting the updated Terms on this page, updating the "Last updated" date, and/or sending you an email notification. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the Service after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Service and cancel your account.

16. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the intent of the original provision. If such modification is not possible, the provision shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision of these Terms, and these Terms shall be construed as if such invalid, illegal, or unenforceable provision had never been contained herein.

17. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices or agreements published by us on the Service, constitute the entire agreement between you and MRRHarborregarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, fire, flood, earthquake, pandemic, epidemics, war, terrorism, labor disputes, government actions, power failures, Internet or telecommunications failures, cyberattacks, or failures of third-party service providers including Stripe.

19. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

20. Contact Us

If you have any questions about these Terms of Service, please contact us at:

MRRHarbor
Email: support@mrrharbor.com