Terms of Service

Welcome to Quantal

These terms explain the rules for using Quantal. By using Quantal, you agree to these terms. If you don't agree, please don't use the service.

What Quantal Is

Quantal is a financial tracking and analysis tool. It helps you understand your household finances by comparing your spending to averages and providing insights. Quantal is a tool, not a financial advisor.

Your Account

When you create an account, you agree to:

• Provide accurate information
• Keep your password secure
• Notify us if you suspect unauthorized access
• Be at least 18 years old
• Not share your account with others (household members get their own accounts)

What You Can Do

You can:

• Use Quantal for personal household financial tracking
• Invite household members to collaborate
• Export your data
• Delete your account at any time

What You Can't Do

You agree not to:

• Use Quantal for illegal purposes
• Try to hack, break, or disrupt the service
• Share false or misleading financial information
• Use someone else's account without permission
• Reverse engineer or copy Quantal's code or design

AI Insights Disclaimer

Quantal's AI insights are generated using artificial intelligence and are based on general South African household spending averages. These insights are suggestions, not professional financial advice. Always consult a qualified financial advisor for major financial decisions. We are not responsible for any financial decisions you make based on AI-generated insights.

No Financial Advice

Quantal provides tools and information to help you understand your finances. We are not a financial advisor, bank, or financial institution. We don't provide investment, tax, or legal advice. The comparisons and insights are informational only.

Data Accuracy

You are responsible for the accuracy of the financial data you enter into Quantal. We rely on the information you provide. If you enter incorrect data, the insights and comparisons will be incorrect too.

Service Availability

We try to keep Quantal available 24/7, but we can't guarantee it. The service may be unavailable due to maintenance, updates, or technical issues. We're not liable for any losses if the service is temporarily unavailable.

Limitation of Liability

Quantal is provided "as is" without warranties. We're not liable for any indirect, incidental, or consequential damages from using Quantal. Our total liability is limited to the amount you paid us (which is currently $0, since Quantal is free).

Changes to Terms

We may update these terms from time to time. We'll notify you of significant changes by updating the "Last updated" date. Your continued use of Quantal means you accept the updated terms.

Termination

You can delete your account at any time. We may suspend or terminate accounts that violate these terms or engage in harmful behavior. If we terminate your account, you'll lose access to your data, so make sure to export it first if you need it.

Governing Law

These terms are governed by the laws of South Africa. Any disputes will be resolved in South African courts.

Contact

If you have questions about these terms, please contact us through your account settings.