1. Acceptance of Terms

These terms create a binding agreement between you and quorentilva, operated from 220 Hunter St, Newcastle NSW 2300, Australia. When you create an account, download reports, or use any part of our platform, you're accepting these terms in full.

If you're accessing quorentilva on behalf of a company or organization, you represent that you have authority to bind that entity to these terms. The organization becomes responsible for all activity under the account.

2. Service Description

quorentilva provides financial analysis tools and resources designed specifically for investment professionals working in Australian markets. Our platform delivers market data, analytical frameworks, and educational content to support informed decision-making.

What We Provide

• Access to proprietary financial analysis tools and methodologies
• Market data aggregation and visualization features
• Educational resources covering analytical techniques and market trends
• Regular updates reflecting current market conditions and regulatory changes
• Technical support during Australian business hours

What We Don't Provide

quorentilva doesn't offer investment advice, portfolio management services, or specific buy/sell recommendations. Our tools are designed to support your own analysis and decision-making process. You remain solely responsible for all investment decisions made using information from our platform.

3. Account Registration and Security

You'll need to create an account to access most features. During registration, provide accurate information that you'll keep updated. Using a fake name or someone else's credentials violates these terms.

Your Responsibilities

• Keep your password secure and don't share account access with others
• Notify us immediately if you suspect unauthorized access at help@quorentilva.com
• Maintain accurate contact information so we can reach you about important updates
• Use your account only for lawful professional purposes related to financial analysis

You're responsible for all activity that occurs under your account, whether authorized or not. If someone gains access because you didn't protect your credentials properly, that's on you.

4. Acceptable Use

Our platform exists to support legitimate financial analysis work. That means you can't misuse it or do anything that might harm other users or our service.

Prohibited Activities

• Scraping, mining, or harvesting data through automated means without written permission
• Attempting to breach security measures or access restricted areas of the platform
• Uploading malicious code, viruses, or anything designed to disrupt service
• Using the platform to violate securities laws or regulations
• Sharing proprietary data or analysis outside permitted use cases
• Creating multiple accounts to circumvent usage limits
• Reverse engineering or attempting to extract our source code

5. Intellectual Property Rights

quorentilva owns all rights to the platform, including the code, design, methodologies, and original content we create. When you use our service, you're getting a license to access these materials for your professional work, not ownership of them.

Your License

We grant you a limited, non-exclusive, non-transferable license to access quorentilva for legitimate financial analysis purposes. This means you can use our tools for your work, but you can't resell access, redistribute our content, or claim our methodologies as your own.

Data You Upload

Any data you upload remains yours. However, you grant us permission to process and analyze this data to provide our services. We don't claim ownership of your proprietary information, and we won't share it with third parties except as necessary to deliver our service or as required by law.

6. Data Accuracy and Disclaimers

We work hard to ensure our data is accurate and current, but financial markets move fast and errors happen. quorentilva provides information "as is" without warranties of any kind.

Market data comes from sources we consider reliable, but we can't guarantee absolute accuracy. Data feeds occasionally experience delays, and historical data may contain errors that get corrected over time. You should verify critical information through multiple sources before making important decisions.

7. Payment Terms

Paid subscriptions begin when you complete the signup process and provide payment information. We bill monthly or annually depending on your selected plan, with charges processed at the start of each billing period.

Billing and Renewals

Subscriptions automatically renew unless you cancel before the next billing date. We'll charge your payment method on file, and you're responsible for keeping this information current. If a payment fails, we'll attempt to process it again, but we may suspend access until payment is received.

Refunds

We don't offer refunds for partial billing periods. If you cancel mid-month, you'll retain access through the end of that billing cycle, but we won't prorate the charge. For annual subscriptions, cancellation takes effect at the end of the annual term.

All prices are in Australian dollars and include GST where applicable.

8. Service Modifications and Availability

We're constantly improving quorentilva, which means features change. We might add new capabilities, modify existing ones, or discontinue features that aren't working out. We'll try to give advance notice of major changes, but we're not obligated to maintain any specific feature indefinitely.

We aim for high uptime but can't guarantee uninterrupted service. Maintenance windows, unexpected technical issues, or circumstances beyond our control may cause temporary outages. We're not liable for losses resulting from service interruptions.

9. Limitation of Liability

To the maximum extent permitted by Australian law, quorentilva's liability to you is limited to the amount you paid us in the twelve months before the event giving rise to liability.

We're not liable for indirect, consequential, or punitive damages, including lost profits, lost data, or business interruption, even if we were advised such damages were possible. This applies regardless of the legal theory, whether contract, tort, or otherwise.

Some jurisdictions don't allow certain liability exclusions, so parts of this section may not apply to you. In those cases, our liability is limited to the minimum extent required by law.

10. Indemnification

You agree to indemnify and hold quorentilva harmless from claims, damages, and expenses arising from your use of the platform, your violation of these terms, or your violation of any rights of another party. This means if your actions cause legal problems for us, you're responsible for the costs.

11. Termination

You can stop using quorentilva anytime by canceling your subscription through your account settings. We can terminate or suspend your access if you violate these terms, though we'll typically warn you first unless the violation is severe.

Upon termination, your right to access the platform ends immediately. We may delete your account data after a reasonable period, though we'll retain some information as required by law or for legitimate business purposes.

12. Privacy and Data Protection

We handle your personal information according to our Privacy Policy, which explains what data we collect, how we use it, and your rights regarding that information. By using quorentilva, you consent to our data practices as described in that policy.

We take data security seriously and implement reasonable safeguards to protect your information. However, no system is perfectly secure, and we can't guarantee absolute protection against unauthorized access.

13. Australian Law and Dispute Resolution

These terms are governed by the laws of New South Wales, Australia. Any disputes will be resolved in the courts of New South Wales, and you consent to the exclusive jurisdiction of those courts.

Before initiating legal proceedings, we'd appreciate the chance to resolve issues directly. Contact us at help@quorentilva.com to discuss concerns, and we'll work in good faith to find a solution.

14. Changes to Terms

We may update these terms occasionally to reflect service changes, legal requirements, or business needs. When we make significant changes, we'll notify you via email or through a prominent notice on the platform.

Continuing to use quorentilva after changes take effect means you accept the updated terms. If you don't agree with changes, your option is to stop using the service and cancel your subscription.

15. General Provisions

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. Our failure to enforce any right or provision doesn't constitute a waiver of that right.

These terms constitute the entire agreement between you and quorentilva regarding use of the platform. They supersede any prior agreements or understandings, whether written or oral.

You can't transfer your rights or obligations under these terms to anyone else without our written consent. We can transfer our rights and obligations to another entity in connection with a merger, acquisition, or sale of assets.