1. Acceptance
These Terms govern your use of the Harvest Financial Advocates website and any preliminary case enquiry submitted through it. Using the site, or submitting an enquiry, signifies your agreement to these Terms. If you do not agree, please do not use the site or submit an enquiry.
2. Nature of our services
Harvest is a fund-recovery consultancy. We assist individuals in preparing and pursuing chargeback disputes, regulator complaints and, in appropriate cases, the referral of a matter to affiliated solicitors for civil proceedings. We are not, of ourselves, a firm of solicitors and we do not provide direct legal advice. Any regulated legal services are delivered by affiliated, separately regulated legal partners under their own engagement letter signed with you.
3. The preliminary case review
Our free case review is a preliminary assessment based on the information you give us. It does not of itself create a contractual relationship and is not a guarantee that we will take your case. We reserve the right to decline a matter — typically where evidence is insufficient, where the loss falls beneath our threshold, or where no realistic recovery channel remains open.
4. Fees
- The initial case review is always provided free of charge.
- If we formally take on your case, fees are documented in a written engagement letter signed by you in advance.
- For qualifying matters we operate on a success-fee basis — our fee is a defined percentage of funds actually recovered.
- Third-party costs (court fees, regulator fees, forensic accountancy) are disclosed and agreed in advance.
5. No guarantee of outcome
Fund-recovery outcomes depend on a variety of factors outside our control — the payment rail used, the broker's location and regulatory status, the age of the dispute, the responsiveness of banks and regulators, and more. Past successful outcomes are illustrative only and do not constitute a promise of future results. Our commitment is to professional effort and transparent communication, not to a specific monetary outcome.
6. Your obligations
- You undertake to provide accurate and complete information in respect of your case;
- You undertake not to pursue parallel recovery attempts through third parties without disclosing this to us;
- You undertake to keep and supply documentary evidence relevant to your case as reasonably requested;
- You undertake to comply with all anti-money-laundering and KYC requirements applicable to you.
7. Intellectual property
All content on this website — text, graphics, logos and design elements — is owned by or licensed to Harvest Financial Advocates and is protected by copyright and trade-mark law. You may not copy, republish or redistribute it without our prior written consent.
8. Limitation of liability
To the maximum extent permitted by law, our liability in connection with any engagement is limited to the total fees actually paid by you to Harvest in the twelve months preceding the claim. We accept no liability for indirect, consequential or incidental loss. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be lawfully excluded.
9. Third-party websites
Our website may include links to third-party sites for convenience. We do not endorse, and assume no responsibility for, the content, privacy practices or reliability of any such site.
10. Governing law
These Terms are governed by the laws of Ireland. Any dispute arising under them is subject to the exclusive jurisdiction of the Irish courts.
11. Changes
We may amend these Terms from time to time. Material changes will be flagged at the top of the page. Continued use of the site after amendments are published constitutes acceptance of the updated Terms.