Financial DisclaimerFinancial Disclaimer

Decision-support platform, not financial advice

Harvora is a data-driven decision-support platform for New Zealand horticultural growers. It provides probabilistic predictions, economic projections and computed recommendations to help growers make informed operational decisions.

Harvora does not provide personalised financial advice, investment advice, tax advice or insurance advice.

Harvora Limited does not provide regulated financial advice under the Financial Markets Conduct Act 2013 (NZ). Our outputs are not intended to be, and should not be treated as, financial advice or a financial advice service under that Act.

What Harvora outputs are

Harvora outputs are calculations, not opinions. Specifically:

• (a) Predictions are probability distributions generated by statistical and agronomic models using weather, satellite and terrain data from public and licensed sources, together with the records you provide. They represent our models' best estimate of what may happen, expressed with explicit uncertainty.
• (b) Economic projections are arithmetic translations of predictions into dollar terms using published industry parameters (market prices, production costs, damage curves) and any grower-customised cost assumptions. They show what the predictions mean financially.
• (c) Recommendations are computed comparisons of the expected value of available actions (for example, "run wind machines" or "do nothing"). The recommended option is the one with the highest computed net expected value. Confidence levels (high, medium, marginal) indicate how clear the computation is.

None of these outputs account for your full financial circumstances, tax position, insurance arrangements, lending covenants, personal risk tolerance, or any other factors that a professional financial adviser would consider.

Limitations you should understand

Predictions are uncertain

Every prediction is a probability distribution, not a guarantee. When Harvora says "73% probability of frost tonight", it means our models estimate frost will occur in roughly 73 out of 100 similar scenarios. The other 27% of the time, frost will not occur. Acting on a 73% probability and experiencing the 27% outcome is not a prediction failure. It is how probability works.

Models have known limitations

Our public proof page (/proof) describes the evidence available for each surface, including sample sizes where they exist. Some prediction types have limited historical validation data, especially early in the platform's life. We are transparent about this.

Economic parameters may not match your situation

Default economic parameters (market prices, production costs, damage curves) come from published industry sources and may not reflect your specific orchard's economics. You can customise these parameters in your account settings. The accuracy of financial projections depends on the accuracy of these parameters.

AI-mediated reasoning is exploratory

The "Ask Harvora" feature uses large language model technology. Its outputs are clearly labelled as "AI reasoning: answers may be unreliable" and are visually distinct from calibrated structured-model predictions. Do not rely on AI-mediated outputs for consequential decisions without independent verification. The AI Use Notice explains how these features work and where they can fail.

Alerts can be late or fail

SMS and email alerts depend on your phone and email networks and on our providers. They can be delayed, filtered or not delivered. Do not treat them as your only way to monitor frost or other critical conditions. The Alerts and Messaging Terms explain this further.

No reliance

Harvora does not act as your adviser, broker, agent or fiduciary. Projections and recommendations are forward-looking estimates based on assumptions that may prove wrong, and they are not promises about future results. To the extent the law allows, Harvora is not responsible for decisions or losses that follow from relying on them, and the limits in the Terms of Service apply.

Your responsibility

All operational and financial decisions are yours.

Harvora presents information and computed options. You decide what to do based on your full knowledge of your operation, circumstances, risk tolerance and professional advice. We strongly recommend that you:

• (a) consult a qualified financial adviser for financial planning decisions;
• (b) consult a qualified agronomist for crop management decisions;
• (c) consult your accountant for tax-related decisions;
• (d) review your insurance arrangements with your broker;
• (e) check that any decision complies with the law that applies to your operation; and
• (f) use Harvora outputs as one input among many, not as the sole basis for decisions.

Grower opt-out

If you prefer to receive Harvora's prediction and financial data without computed recommendations, you can disable recommendations in your account settings. The underlying data and projections remain available; only the computed "recommended action" framing is removed.

Related documents

This disclaimer is part of the Harvora Terms of Service, which also contain our limit of liability.

Contact

If you have questions about this disclaimer or how Harvora outputs should be interpreted:

Email: support@harvora.co.nz

Mail: Harvora Limited, 368 Blockhouse Bay Rd, Auckland 0600