Terms of Service

By registering and using Money Harbor you accept the following terms. Sections 5 to 9 are about your real money — please read those.

1. Acceptance of Terms

Using the platform means you agree to these terms. If you disagree with any part, do not use the service. Continued use after an update means you accept the new version.

2. Eligibility and your country

• You must be at least 18 years old.
• Accurate information at registration and verification is required.
• Money Harbor works for each customer according to the country they live in and that country's laws. Your country of residence is recorded during identity verification, with a document, and that is what counts — not a choice made in a form.
• How it works depends on your country: which identity documents are accepted, and which services are open to you. Some services are offered only to residents of certain countries. If a service is not open in your country, the page for it tells you so.
• If the law of the country you live in prohibits or restricts using a service like this, do not use it, or use it only as far as that law allows. Complying with your own country's law is your responsibility.
• Tax follows the law of your country. If your country taxes balances, gains, or money you receive, declaring and paying it is your responsibility. Money Harbor does not withhold tax on your behalf. The monthly statement under "Reports" holds your full transaction record and is there to help with your tax return.

3. Your Account

• Keeping your password safe is your responsibility. We will never ask you for it.
• One account per person, unless explicitly permitted.
• Report suspicious activity to us immediately.

4. Identity Verification (KYC)

Withdrawals are open only to accounts with a verified email and completed identity verification. Verification is also required for some services and to raise transaction limits. We collect this information to meet legal obligations and prevent fraud.

5. Where your money is

Money Harbor is not a bank and does not take bank deposits. No deposit-protection scheme covers your money.

• Your balance is held as USDT on the Tron network, not in a bank account.
• The private key to the treasury where customer funds are gathered lives on an offline hardware wallet, not on an internet-facing server. Our server cannot move money out of the treasury by itself.
• This means Money Harbor is the custodian of your money. You do not hold the key; we do. If you are not comfortable with that model, this service is not for you.

6. Deposits

• Each account gets a dedicated deposit address, issued once and permanently tied to that account.
• USDT or TRX only, on the Tron network (TRC-20) only.
• Anything else, on any other network, is lost and cannot be recovered. Bitcoin, Ethereum, USDT on BEP20 or ERC20 or any other chain — it will not reach your balance and we have no way to return it. That is a limitation of blockchain technology, not our policy.
• A deposit is credited after 20 network confirmations, not on first sight. This usually takes a few minutes.
• Take the address only from the deposit page of your own account. An address someone else gives you funds their account, not yours.

7. Withdrawals

• Before you can withdraw, your email must be verified and your identity verification completed. Documents are reviewed by hand, so do it before you deposit — not on the day you need the money.
• USDT withdrawals are usually automatic and take a few minutes: they are paid from a small hot float with a ceiling, refilled by deposits into the platform. The timing is not guaranteed — if the float is short at that moment, the withdrawal waits for the next deposit.
• A withdrawal that hits a monitoring finding, passes the daily brake, or is in an asset other than USDT is reviewed by a person and paid from the offline cold wallet, and may take some hours.
• An on-chain transaction is irreversible. Once sent, neither we nor anyone else can undo it.
• Check the destination address yourself. If you enter the wrong address and the transaction goes out, the money is gone. We check that an address is structurally valid — not who it belongs to.
• Fees and minimums are on the Fees page and are shown again before you confirm.

8. What can be withdrawn

Balance that genuinely arrived on-chain, profit from trading that money, and real TRX staking rewards.

• Profit from trading deposited money can be withdrawn. When you trade or convert BTC, ETH, SOL, XRP, ADA, DOGE, BNB, gold and the eight US shares (AAPL, MSFT, NVDA, GOOGL, AMZN, TSLA, META, NFLX), Money Harbor is the other side of the trade, and you buy and sell at the best live market price. Gold trades by the troy ounce (XAU) at the live price of Tether Gold (XAUt). Shares trade only while the US market is open (Monday to Friday, 9:30 to 16:00 New York time), at the market’s last traded price. A loss stays with Money Harbor, and a profit is paid from a reserve funded with Money Harbor’s own money, including its trading fees — never from other customers’ money. If the reserve is short at the moment you sell, the profit waits in line and becomes withdrawable when the reserve is topped up; your own money waits for nothing.
• The coin, gold or share you bought is never sent out itself, and buying a share does not make you an owner of the company: to withdraw, sell it for dollars first.
• Deposited money cannot buy silver or TRX. Those, and anything bought with test credit, are book value.
• Real TRX staking rewards can be withdrawn: exactly what the Tron network paid the treasury, in proportion to how much you staked and for how long. No fixed rate is promised, and leaving staking takes 14 days.
• Earn products, the other staking and liquidity pools, vault interest, rewards, test credit and demo balances are book value and cannot be withdrawn off the platform. There is no real income behind those yields, which is why they are active on the demo account only.

The withdrawal page shows what you can withdraw, and any profit waiting in line, separately.

9. Transaction limits

Limits depend on how far your identity is verified, and are measured in US dollars:

• Unverified: up to $200 per transaction, $500 per day, $2,000 per month.
• Email and phone verified: $1,000 per transaction, $2,000 per day, $10,000 per month. This tier is not currently reachable: phone verification is not yet automated and the SMS code is not sent. Until we build it, the way to raise your limits is full identity verification.
• Fully verified: no fixed published ceiling. Large movements and unusual patterns are flagged for human review — a flag does not freeze your money, it is a question a person asks.

Limits may change; the current version is always here.

10. Risks

• Digital asset prices are highly volatile and your capital may fall.
• All financial and trading decisions are your own.
• Money Harbor is not an investment adviser and guarantees no return.
• Money Harbor holds no banking or financial licence. Company registration is not a financial licence.

11. Prohibited Activities

• Money laundering, fraud or any illegal activity.
• Attempting unauthorised access to the system or to other people's accounts.
• False information or impersonation.
• Using one identity across several accounts to stay under the limits.

12. Liability

Services are provided "as is". We work for stable, secure access, but we are not liable for losses from market volatility, your own decisions, a wrong address, a wrong network, or disruptions beyond our control.

13. Record keeping and closing your account

• Closing an account is not the same as erasing it. When an account closes, your identity details are anonymised but the financial records stay — because there is an obligation to keep them.
• Financial, identity and review records are kept for ten years.
• Your Harbor ID is never reissued to anyone else after your account closes.
• Withdraw your withdrawable balance before closing.

14. Changes & Termination

• We may update these terms; the current version is always on this page.
• Your account may be limited or suspended if you break them.

15. Contact

Any question about these terms: info@moneyharbor.net

This is a clear framework of what we do and do not do; it does not replace professional legal advice.