Quantro Terms of Service

We are Quantro (“Company”, “we”, “us”, “our”), based in the United Kingdom at Waverley House, 9 Noel St, London W1F 8GQ.

We operate the website quantro.one(the “Site”) and, in future, a mobile application called Quantro (the “App”). The Site, App and any related products and services that link to these terms are together the “Services”.

You can contact us by email at support@quantro.one, phone at +44 7438 295736, or by post at the address above.

These terms form a legally binding agreement between you and Quantro about your use of the Services. By accessing the Services you confirm you have read, understood and agreed to be bound by them. If you do not agree, you must stop using the Services.

We may amend these terms from time to time. Where changes are material we will notify you by email or by an in-app notice at least 14 days before they take effect. Continuing to use the Services after the effective date counts as acceptance.

The Services are intended for users aged 18 or over. We recommend you keep a copy of these terms for your records.

Quantro is a planning, modelling and information tool. It is not regulated financial, tax or legal advice. Every figure, projection, allowance check and tactic shown in the Services is illustrative and based on the information you provide and on UK rules as we understand them at the time. You remain solely responsible for any decision you make. Where a decision is material we strongly recommend you consult a qualified, FCA-regulated financial adviser, accountant or solicitor before acting.

The Services help UK-resident individuals model their personal financial position, allowances, reliefs and projections. They are not intended for distribution to or use by anyone in any jurisdiction or country where doing so would be contrary to law or regulation, or which would subject Quantro to any registration requirement. Anyone who accesses the Services from outside the United Kingdom does so on their own initiative and is responsible for compliance with their local laws.

Our content

We are the owner or licensee of all intellectual property rights in the Services, including all source code, databases, functionality, software, designs, audio, video, text, images and graphics (the “Content”) and the trademarks, service marks and logos (the “Marks”). The Content and Marks are protected by UK and international copyright and trademark law and are provided in or through the Services on an “AS IS” basis for your personal, non-commercial use.

Your licence

Subject to your compliance with these terms, we grant you a non-exclusive, non-transferable, revocable licence to access the Services and to download or print copies of any Content you have properly accessed, solely for your personal, non-commercial use. No other use is permitted without our prior written consent. Any breach of this section is a material breach of these terms and your right to use the Services will terminate immediately.

Your feedback

If you send us a question, comment, suggestion, idea or other feedback about the Services (“Submissions”), you agree we may use it for any lawful purpose without acknowledgement or compensation, and you assign to us any intellectual property rights in it. The financial profile data you enter to use the Services is governed by the Privacy Policy and is not a Submission for the purposes of this clause.

By using the Services you represent and warrant that: (1) all information you provide is true, accurate, current and complete; (2) you will maintain the accuracy of that information and update it when it changes; (3) you have the legal capacity to agree to these terms; (4) you are at least 18 years old; (5) you will not access the Services through automated or non-human means; (6) you will not use the Services for any illegal or unauthorised purpose; and (7) your use will not violate any applicable law or regulation.

If you provide information that is untrue, inaccurate, out of date or incomplete, we may suspend or terminate your account.

You are responsible for keeping your password confidential and for all activity under your account. If you sign in via Google, the same responsibility applies to your Google account session.

All Premium subscription payments are processed by Stripe. Quantro does not see or store your card number, CVC or expiry. All subscriptions are priced and charged in British Pounds (GBP).

By starting a subscription you agree to pay the listed price for the plan and billing interval you select, and you authorise Stripe to charge your chosen payment method for that amount on a recurring basis until you cancel. Prices may change from time to time; we will notify you of any change before it applies to you.

We may correct any errors or mistakes in pricing even after a payment has been requested or received, and may refuse or limit any order at our discretion.

Billing and renewal

Premium subscriptions renew automatically at the end of each billing period (monthly or annual, as you selected) until cancelled. You consent to recurring charges to your payment method without requiring approval for each one.

Cancellation

You can cancel at any time from Settings › Subscription › Manage subscription, which opens the Stripe Customer Portal. Cancellation takes effect at the end of the current paid period; you keep Premium access until then and will not be charged again. If you have any difficulty, email support@quantro.one.

Refunds

UK consumer law gives a 14-day right to cancel digital services. By starting a Premium subscription and immediately accessing Premium features (which begin from the moment of purchase), you acknowledge that you waive that 14-day right with respect to the part of the Service already provided. We may, at our discretion, offer goodwill refunds where the Service has not performed materially as advertised; contact support@quantro.one.

Fee changes

We may change subscription fees from time to time. Any change will be communicated to you in advance and will only take effect at the start of your next renewal period.

You agree not to use the Services for any purpose other than that for which we make them available. You agree not to:

• Systematically retrieve data or other Content from the Services to create a collection, compilation, database or directory without our written permission.
• Trick, defraud or mislead us or other users, or attempt to learn sensitive account information such as user passwords.
• Circumvent, disable or interfere with security-related features of the Services.
• Use any information obtained from the Services to harass, abuse or harm anyone.
• Make improper use of our support services, or submit false reports of abuse or misconduct.
• Engage in unauthorised framing of, or linking to, the Services.
• Upload or transmit viruses, Trojans, worms or other malicious code, or anything that interferes with the operation of the Services.
• Engage in automated use of the system, including scripts, bots, crawlers, scrapers or any data-mining tools, except for standard search-engine indexing.
• Delete copyright or proprietary notices from any Content.
• Impersonate another user, or use another user’s account.
• Interfere with, disrupt, or place undue burden on the Services or the networks they rely on.
• Harass, intimidate or threaten anyone working on the Services.
• Attempt to bypass any access controls.
• Decipher, decompile, disassemble or reverse-engineer any of the software comprising the Services, except as permitted by applicable law.
• Use the Services to advertise or offer to sell goods or services.
• Sell or otherwise transfer your account or profile.
• Use the Services to compete with us or to build a substitute product.

The Services do not let users post public content. The only material you submit through the Services is (a) your own financial profile data (which is private to you and governed by the Privacy Policy) and (b) any feedback or correspondence you send to us, which is treated as a Submission under section 2 above.

If, in future, you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on devices you own or control, in accordance with these terms. You shall not (1) decompile, reverse engineer, disassemble or attempt to derive the source code of the App except as permitted by applicable law; (2) make any modification, adaptation, improvement, enhancement, translation or derivative work; (3) violate any applicable laws in connection with your use; (4) remove or obscure any proprietary notice; (5) use the App for any commercial purpose for which it is not designed; (6) make the App available over a network for simultaneous use by multiple users; (7) use the App to build a competing product; or (8) use the App to send automated queries or unsolicited commercial email.

When the App is distributed via the Apple App Store or Google Play, you also agree to comply with each store’s own usage rules, and you acknowledge that the store is a third-party beneficiary of this licence to the extent the store’s rules require.

The Services contain links to third-party websites (for example HMRC, gov.uk, Stripe, Plaid) and may display content from third parties. We do not investigate, monitor or check those sites or content for accuracy or completeness, and we are not responsible for them. Linking to or referencing a third party does not imply our endorsement. If you leave the Services to visit a third-party site, these terms no longer govern; review the third party’s own terms and privacy policy before transacting with them.

We reserve the right (but not the obligation) to: (1) monitor the Services for breaches of these terms; (2) take appropriate legal action against anyone who violates these terms or applicable law; (3) refuse, restrict access to, or limit the availability of any account at our sole discretion; (4) remove from the Services any files or content that are excessive in size or burdensome to our systems; and (5) otherwise manage the Services to protect our rights and property and to keep them functioning properly.

Use of the Services is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these terms by reference. The Services are operated from the United Kingdom; some of our sub-processors are based in or transfer data to other countries, in line with the safeguards described in the Privacy Policy.

These terms remain in force while you use the Services. We reserve the right to deny access to any user, at any time, for any breach of these terms or any applicable law, including by closing your account and deleting any content you have provided. Where the breach is not material we will give you reasonable notice and a chance to cure where possible.

You can terminate your own use at any time by deleting your account in Settings › Danger Zone, which removes your data in line with the retention policy in the Privacy Policy. If we have suspended or terminated your account, you may not register again under your name, a fake or borrowed name, or the name of any third party.

We may change, modify or remove the Services at any time, at our sole discretion, without notice. We do not guarantee uninterrupted availability: we may experience hardware, software or other issues, and we may need to take the Services offline for maintenance. We will not be liable for any loss, damage or inconvenience caused by your inability to access the Services during downtime, but we will use reasonable efforts to keep planned downtime brief and to communicate ahead of significant changes.

These terms and any dispute arising from them or from your use of the Services are governed by the laws of England and Wales. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

You and Quantro agree to submit to the non-exclusive jurisdiction of the courts of England and Wales. If you are a consumer resident in the EU or another jurisdiction with mandatory consumer-protection rules, you keep the protection of those rules and may bring a claim in your country of residence.

We hope to resolve any dispute amicably. If you have a complaint, contact us first at support@quantro.one so we can try to put it right. If we cannot resolve it informally within 30 days, either party may bring proceedings in the courts of England and Wales as described in section 14. We do not require binding arbitration.

Disputes that are not subject to the agreement above include (a) any dispute about the validity or enforcement of intellectual property rights, (b) any allegation of theft, piracy, invasion of privacy or unauthorised use, and (c) any claim for injunctive relief; these may be brought in any court of competent jurisdiction.

The Services may contain typographical errors, inaccuracies or omissions, including in descriptions, pricing or availability. We reserve the right to correct these and to update information at any time without notice.

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the Services, including the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranties about the accuracy or completeness of the Services’ content.

All calculations, projections, allowance checks, tactic recommendations and scenarios shown in the Services are illustrative only, based on the information you provide and on UK tax rules as we understand them at the time. They are not personal financial, tax or legal advice. We are not authorised or regulated by the Financial Conduct Authority. Before acting on anything the Services tell you, please verify the figures and consult a qualified adviser where the decision is material.

We will assume no liability or responsibility for: (1) errors, mistakes or inaccuracies of content; (2) personal injury or property damage of any kind resulting from your access to or use of the Services; (3) any unauthorised access to or use of our servers or any personal or financial information stored on them; (4) any interruption or cessation of transmission to or from the Services; (5) any bugs, viruses, Trojans or similar that may be transmitted to or through the Services by any third party; or (6) any errors or omissions in any content for any loss or damage of any kind incurred as a result of using the Services.

In no event will Quantro, or our directors, employees or agents, be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit, lost revenue, loss of data or other damages arising from your use of the Services, even if we have been advised of the possibility of such damages.

Our total liability to you for any cause whatsoever, regardless of the form of the action, is limited to the greater of (a) the amount paid by you to us in the six (6) months prior to the cause of action arising, or (b) £100.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded by UK law.

You agree to defend, indemnify and hold us harmless, including our officers, agents and employees, from and against any loss, damage, liability, claim or demand, including reasonable legal fees, made by any third party arising out of: (1) your use of the Services; (2) your breach of these terms; (3) any breach of your representations and warranties under these terms; (4) your violation of the rights of a third party (including intellectual property rights); or (5) any harmful act toward another user. We reserve the right to assume the exclusive defence and control of any matter for which you are required to indemnify us, at your reasonable expense, and you agree to cooperate with our defence of such claims.

We retain certain data you transmit to the Services to perform them and to manage your account. Although we run regular automated backups (see the Security page), you are solely responsible for the data you input. You agree we have no liability for any loss or corruption of your data, and you waive any right of action against us arising from such loss, except where the loss is caused by our negligence or wilful default.

Visiting the Services, sending us emails, and completing online forms are electronic communications. You consent to receive communications from us electronically, and you agree that all agreements, notices, disclosures and other communications we provide to you electronically (via email or via the Services) satisfy any legal requirement that they be in writing. You agree to the use of electronic signatures, contracts, orders and other records. You waive any rights or requirements under any UK or other law that requires an original signature, delivery or retention of non-electronic records.

These terms (together with the Privacy Policy and the Cookie Policy) constitute the entire agreement between you and us regarding the Services. Our failure to enforce any right or provision is not a waiver of that right or provision. These terms operate to the fullest extent permissible by law. We may assign our rights and obligations to others at any time; you may not assign yours. We are not responsible for any failure to perform caused by anything beyond our reasonable control. If any provision is found to be unlawful, void or unenforceable, it is severable from the rest, and the remainder continues in force. Nothing in these terms creates a partnership, joint venture, employment or agency relationship between you and us.

For questions about these terms, or to raise a complaint, contact us:

Email: support@quantro.one

Phone: +44 7438 295736

Postal address:
Quantro
Waverley House
9 Noel St
London W1F 8GQ
United Kingdom