Zirga Group LLC operates websites and brands that offer information, products, and services in different areas. Sometimes we sell something ourselves. Other times we recommend a product or service sold by another company, and we may be paid when someone purchases through our referral. We want you to know the difference before you buy.

Individual Zirga Group brands, including Safe Harbor Family, may have their own terms for their products and services. If you are buying from one of those brands, please review the terms provided on that brand's website.

Refund/Exchange Policy

When you purchase directly from Zirga Group LLC, the refund or exchange policy will be described with that particular offer. We do not have one blanket money-back guarantee that covers every product or service we promote. If you bought through another company, that company's refund and return policy applies. Your rights under applicable consumer laws still apply.

Order Cancellation Policy

Need to cancel a purchase made directly from Zirga Group LLC? Email us at contact@zirgagroup.com with your name, the email used for the order, and any order reference you have. Whether a cancellation is possible depends on the terms of the offer and whether the product or service has already been delivered or fulfilled.

If you ordered from another seller, please contact that seller directly. We cannot cancel purchases processed by an independent company.

Warranty Policy

Warranties, technical support, and any shipping or return arrangements depend on the specific product and who sells it. Please review the information provided with the offer or purchase. We don't promise a universal warranty or return-shipping arrangement for products offered by other companies.

Product Bonuses

From time to time, a product or promotion may include a free bonus. Any instructions, usage rights, restrictions, or refund conditions for a bonus will be explained with that offer. Please check those details rather than assuming the same rules apply to every bonus.

Third Party Offers

We try to bring useful products and services to the people who visit our websites or subscribe to our communications. Some of those offers come from independent companies. We may receive a commission or other compensation for referrals, and we'll disclose those relationships where appropriate with the recommendation or promotion.

Even when we've looked into an offer, we can't control another company's product, promises, customer service, or policies. Before you buy, take a moment to review the seller's details, terms, and refund policy. If you have a problem with a third-party order, the seller shown on your receipt is the right place to start.

Earnings Disclosure

You may occasionally see us discuss marketing, training, or business opportunities. There's no guarantee that following a particular method or purchasing a product will earn you money. Results differ from person to person and depend on many things, including experience, costs, market conditions, and effort. Some people earn little or nothing, and some may lose money.

Any examples or success stories should not be taken as a promise of what you'll achieve. Consider the costs and risks for yourself before making a business decision.

Using Our Website

You're welcome to browse our site and use its information for personal purposes. Please don't misuse the site, try to interfere with its operation, or reproduce our original writing, images, logos, or other protected material for commercial use without permission. Content belonging to other companies remains theirs.

We work to keep the site useful and accurate, but information and links may change. The site is provided as available, and we can't guarantee that every page or outside offer will always work or meet your needs. To the extent allowed by law, we aren't responsible for indirect losses arising from use of this website. Nothing here takes away legal rights that cannot be waived.

Privacy and Contact Information

Our Privacy Policy explains how Zirga Group LLC handles information shared through our website and brands. Buying something does not, by itself, sign you up for promotional emails.

Questions about Zirga Group or these terms? Email contact@zirgagroup.com. For questions about a Safe Harbor Family purchase, use the support information on that website. For purchases from independent sellers, contact the seller directly.

We may update these terms as our website or business changes. We'll publish the current version here. These terms concern this website and do not replace the terms given with a particular purchase. They are governed by Iowa law, except where other applicable laws provide rights that cannot be waived.