1. Who We Are

Haven Advisors ("we," "our," or "us") is a dual-specialty advisory firm providing IT consulting and health & wellness services. Our registered office is at Haven Advisors Headquarters. For any privacy-related queries, reach us at info@havenadvisors.com.

2. Information We Collect

We collect information you provide directly to us when you:

• Fill out a contact or inquiry form on our website
• Engage with us for IT consulting or wellness coaching services
• Subscribe to our newsletter or communications
• Correspond with us by phone, email, or in person

This may include your name, email address, phone number, company name, health information (for wellness clients), and billing details.

3. How We Use Your Information

We use the information we collect to:

• Deliver and personalize the services you request
• Communicate with you regarding your engagement, billing, and support
• Improve our website and service offerings
• Comply with applicable legal and regulatory obligations
• Send occasional updates or relevant communications (with your consent)

4. Data Sharing & Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your data only in the following circumstances:

• With trusted service providers who assist in operating our business (under strict confidentiality agreements)
• Where required by law, court order, or regulatory authority
• With your explicit written consent

5. Data Security

We implement industry-standard security measures — including encryption, secure servers, and access controls — to safeguard your personal data. While no system is entirely immune to risk, we take every reasonable step to protect the information entrusted to us.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes described in this policy, or as required by law. Health and wellness client records are retained in accordance with applicable professional standards.

7. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, or request deletion of your personal data. To exercise any of these rights, please contact us at info@havenadvisors.com. We will respond within 30 days.

8. Cookies

Our website may use essential cookies to ensure proper functionality. We do not use tracking or advertising cookies without your consent. You can manage cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy periodically. Any significant changes will be communicated via our website. Continued use of our services after changes take effect constitutes acceptance of the updated policy.

1. Acceptance of Terms

By accessing our website or engaging Haven Advisors for any service, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of our services.

2. Services Provided

Haven Advisors offers two core service categories:

• IT Consulting: including infrastructure assessment, cybersecurity, digital transformation, software development, and managed IT services.
• Health & Wellness Coaching: including nutritional guidance, personalized wellness programs, and corporate wellness engagements.

All services are subject to a separate written agreement or statement of work (SOW) agreed upon between Haven Advisors and the client prior to commencement.

3. Client Responsibilities

Clients agree to:

• Provide accurate, complete, and up-to-date information required for service delivery
• Cooperate in good faith with our advisors throughout the engagement
• Honor agreed timelines and payment schedules
• Notify Haven Advisors promptly of any changes that may affect the scope of work

4. Intellectual Property

All deliverables, methodologies, frameworks, and materials developed by Haven Advisors remain our intellectual property unless explicitly transferred in writing. Clients receive a non-exclusive license to use deliverables for their internal business purposes.

5. Confidentiality

Both parties agree to keep confidential any proprietary, sensitive, or non-public information shared during an engagement. This obligation survives termination of the service agreement for a period of three (3) years.

6. Limitation of Liability

Haven Advisors shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services. Our total liability shall not exceed the fees paid by the client in the three months preceding the event giving rise to the claim.

7. Health & Wellness Disclaimer

Our wellness coaching services are educational and advisory in nature. They do not constitute medical advice, diagnosis, or treatment. Clients should consult a licensed healthcare professional for any medical concerns.

8. Termination

Either party may terminate a service agreement with 30 days' written notice. Work completed up to the date of termination will be invoiced at the agreed rate. Non-refundable deposits are outlined in individual service agreements.

9. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in the State of Delaware.

10. Modifications

Haven Advisors reserves the right to update these Terms at any time. Continued engagement with our services following any update constitutes acceptance of the revised terms.

1. Fees & Pricing

All service fees are outlined in your individual engagement agreement or statement of work (SOW) prior to commencement. Haven Advisors offers both project-based and retainer-based pricing structures depending on the scope and nature of the engagement.

2. Invoicing

Invoices are issued at the cadence agreed in your service contract — typically upon project milestones, monthly, or upon completion. All invoices are sent electronically to the email address on file.

3. Payment Terms

• Payment is due within 14 calendar days of the invoice date unless otherwise agreed in writing
• A deposit (typically 30–50% of the total project fee) may be required before work commences on new engagements
• Retainer payments are due at the start of each billing cycle

4. Accepted Payment Methods

We accept the following forms of payment:

• Bank transfer (ACH / wire transfer) — preferred for business clients
• Major credit and debit cards (Visa, Mastercard, American Express)
• Online payment via secure invoice link
• Check (made payable to Haven Advisors) — for US-based clients only

5. Late Payments

Invoices not settled within the agreed payment period may be subject to a late fee of 1.5% per month on the outstanding balance. Haven Advisors reserves the right to pause active engagements until overdue balances are cleared.

6. Refund Policy

Initial deposits are non-refundable once work has commenced. For retainer agreements, unused prepaid hours may be credited toward future work at Haven Advisors' discretion, but are generally non-refundable. Refund requests should be submitted in writing within 7 days of the invoice date.

7. Currency

All invoices are issued in US Dollars (USD) unless a different currency has been agreed upon in writing for international clients.

8. Disputes

If you believe an invoice contains an error, please notify us at info@havenadvisors.com within 7 days of receipt. We will investigate and respond within 5 business days. Disputed amounts should be paid in full pending resolution to avoid service interruption.

9. Taxes

Clients are responsible for any applicable taxes, duties, or levies related to the services received. Haven Advisors will apply sales tax where legally required and will provide appropriate documentation upon request.