Effective Date: January 1, 2025
These Terms of Service ("Terms") govern your access to and use of the Harness platform, website, and related services (collectively, the "Services") operated by Harness Farms Limited (RC 1965090), a company registered in Nigeria ("Harness," "we," "us," or "our").
By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.
Harness operates as a technology and infrastructure provider for Africa's agro-commodity supply chains. We are not a licensed bank, broker-dealer, investment adviser, or financial institution.
Our Services connect midstream operators with institutional capital providers through autonomous systems that verify inventory, receivables, and payment flows. All financing, investment, and credit decisions are made by independent third-party financial institutions using our infrastructure.
To use the Services, you must:
Some features of the Services may require account registration and completion of identity verification (KYC) procedures. We reserve the right to refuse service, terminate accounts, or restrict access at our sole discretion.
Certain Services may require you to create an account. You are responsible for:
We may suspend or terminate your account if we suspect unauthorized use, fraudulent activity, or violation of these Terms.
Harness provides technology infrastructure that:
We do not provide, guarantee, or control:
Nothing on our platform or in our communications constitutes financial, investment, legal, or tax advice. We do not recommend, endorse, or advise on any specific financing arrangements, investment opportunities, or financial products. You should consult with qualified advisors before making any financial decisions.
Harness does not guarantee that financing will be available, approved, or provided on any specific terms. All financing decisions are made independently by third-party institutions based on their own underwriting criteria, risk assessments, and program parameters.
While we strive to maintain reliable Services, we do not guarantee uninterrupted, secure, or error-free access to the platform. The Services are provided "as is" and "as available" without warranties of any kind, either express or implied.
Program availability, structures, financing terms, and participating counterparties may vary by jurisdiction and are subject to local regulation. Nothing on this site constitutes an offer, solicitation, or recommendation to transact in any security or financial product.
You agree not to:
All content, features, functionality, software, and technology underlying the Services, including but not limited to text, graphics, logos, code, algorithms, and data structures, are owned by Harness or our licensors and are protected by intellectual property laws.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended business purposes. This license does not permit any resale, commercial use, or derivative works without our express written permission.
Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, store, and protect your personal and business data. By using the Services, you consent to our data practices as described in the Privacy Policy.
You grant Harness a worldwide, royalty-free license to use, process, store, and analyze data you provide through the Services for the purposes of providing, improving, and securing our Services, and for generating aggregated, anonymized insights and analytics.
The Services may integrate with or contain links to third-party services, websites, or applications. We are not responsible for the content, practices, or performance of third-party services. Your interactions with third parties are governed by their own terms and policies.
Access to certain features of the Services may be subject to fees, which will be communicated to you prior to enrollment in any program. All fees are non-refundable unless otherwise specified in writing.
Financing costs, interest rates, and terms are determined by third-party capital providers, not by Harness. We may charge technology, infrastructure, or service fees separate from financing costs.
To the maximum extent permitted by law, Harness, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, arising out of or related to:
Our total liability for all claims arising from or related to the Services shall not exceed the fees you paid to Harness in the twelve (12) months preceding the claim, or ₦100,000 if no fees were paid.
You agree to indemnify, defend, and hold harmless Harness and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or related to:
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, including if:
Upon termination, your right to access and use the Services will immediately cease. Sections of these Terms that by their nature should survive termination will remain in effect.
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through good faith negotiations. If negotiations fail, disputes shall be submitted to the exclusive jurisdiction of the courts of Nigeria.
We may modify these Terms at any time by posting updated Terms on our website with a new effective date. Your continued use of the Services after changes take effect constitutes acceptance of the modified Terms. We will provide notice of material changes through the Services or by email where required by law.
Entire Agreement: These Terms, together with our Privacy Policy and any program-specific agreements, constitute the entire agreement between you and Harness regarding the Services.
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Waiver: No waiver of any provision of these Terms shall be deemed a further or continuing waiver of that or any other provision.
Assignment: You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.
Force Majeure: We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, natural disasters, or infrastructure failures.
If you have questions about these Terms or the Services, please contact us at:
Harness Farms Limited
RC 1965090
Email: legal@arcadia-research.com
Website: harness.ag
By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Harness® operates as a technology and infrastructure provider, not as a licensed bank, broker-dealer, or investment adviser. Financing, investment, and credit decisions are made by independent third-party institutions using our infrastructure. Nothing on this site constitutes an offer, solicitation, or recommendation to transact in any security or financial product. Program availability, structures, and counterparties may vary by jurisdiction and are subject to local regulation.