Terms of Use
By accessing and using PaidHarbor (www.paidharbor.com), operated by Keelara LLC ("we," "us," or "our"), you agree to be bound by these Terms of Use. If you do not agree, do not use the service.
Your account
PaidHarbor's core tools — invoice, receipt, and quote generation, and all calculators — do not require an account. An account (keyed to your subscription email) is only needed to activate PaidHarbor Pro on a device. If you create an account, you are responsible for keeping your access secure and for all activity that occurs under it.
Nature of the service
PaidHarbor is a free document-generation and calculator toolkit for freelancers and small businesses, with optional Pro features (saved clients, unlimited history, automatic reminders, no watermark) and optional AI features (invoice drafting, reminder-email writing) powered by third-party AI models.
PaidHarbor's calculators and generated documents are provided as a convenience and are not a substitute for professional accounting, tax, or legal advice. Verify figures before relying on them for filings or payroll.
How client payments work
When you share an invoice with a Pay-Now link, your client pays you directly through your own payment links — Stripe, PayPal, Wise, Venmo, Cash App, or similar — that you attach to the document.
PaidHarbor never touches, holds, or processes the money your clients pay you, and is not a party to that transaction. Any dispute about a payment is between you and your client (or your payment processor).
Acceptable use
You agree to use PaidHarbor only for lawful purposes and for legitimate business documentation.
Use at your own risk
You use PaidHarbor at your own risk. The service is provided on an "as is" and "as available" basis.
We make no guarantees regarding the accuracy, completeness, or availability of the service, its calculators, or any AI-generated drafts.
Disclaimer of warranties
To the fullest extent permitted by applicable law, Keelara LLC disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of liability
In no event shall Keelara LLC, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of PaidHarbor, including but not limited to damages resulting from calculation errors, AI-drafted content, unpaid invoices, or loss of locally stored data.
Intellectual property
All content comprising PaidHarbor itself — including text, graphics, logos, templates, and software — is the property of Keelara LLC and is protected by applicable intellectual property laws.
You retain all rights to the invoices, receipts, quotes, and data you create; we claim no ownership over your content.
Subscriptions and billing
PaidHarbor Pro ($9/month or $84/year) is billed through our payment provider, Polar, on a recurring basis until cancelled. By subscribing, you authorize recurring charges. Cancellations and refunds are governed by our Refund Policy. Refund Policy.
Data and privacy
Your use of PaidHarbor is also governed by our Privacy Policy, which explains how your data, drafts, and shared documents are handled. Privacy Policy.
Modifications to these terms
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of the service after changes are posted constitutes acceptance of the updated terms.
Governing law
These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Contact us
If you have questions about these Terms of Use, please contact us at: