Terms of Service | Harrington Financial Advisory

1. Acceptance of Terms

By accessing and using the Harrington Financial Advisory website ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.

2. Service Description

Harrington provides digital financial planning tools, educational resources, calculators, and consultation scheduling services. The Platform is designed to help users model potential financial outcomes related to pensions, education funds, and wealth management.

Important Disclaimer:

The content, calculators, and projections provided on this Platform are for educational and informational purposes only and do not constitute professional financial advice. All projections are estimates based on assumed interest rates and market conditions. They are not guaranteed returns. Past performance is not indicative of future results.

3. Regulatory Disclosures

Harrington Financial Advisory operates in partnership with ICEA LION, a regulated financial services and underwriting institution in Kenya.

All insurance and pension products modeled or recommended through our platform are subject to the regulatory oversight of the Insurance Regulatory Authority (IRA) and the Retirement Benefits Authority (RBA) of Kenya.

4. User Responsibilities

As a user of the Platform, you agree to:

Provide accurate, current, and complete information when utilizing our calculators or submitting inquiry forms.
Understand that any financial decisions made based on Platform outputs are made strictly at your own risk.
Seek independent professional advice from a certified financial planner before making binding financial commitments.
Not misuse the Platform by introducing viruses, trojans, or attempting unauthorized access to our secure servers.

5. WhatsApp Communication Consent

By submitting your phone number and checking the consent box on our lead capture forms, you explicitly agree to receive communications from Harrington Financial Advisory via WhatsApp. This includes automated educational sequences, proposal delivery, and direct messaging from our advisors. Standard data rates may apply. You may opt-out at any time.

6. Limitation of Liability

To the maximum extent permitted by Kenyan law, Harrington Financial Advisory, its directors, employees, and partners (including ICEA LION) shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of, the Platform. We make no warranties regarding the accuracy, completeness, or reliability of the platform's projections.

7. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Any changes will be effective immediately upon posting on the Platform. Your continued use of the Platform signifies your acceptance of the revised terms.

8. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of Kenya. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the Kenyan courts.