Terms of service

Agreeing to these terms

These terms cover your use of Quova, meaning the website at quova.io, the dashboard, the REST API and the MCP server. By creating an account or using the API you agree to them. If you use Quova for a company, you're agreeing on its behalf and confirming you're allowed to.

Our privacy policy explains how we handle personal information.

Accounts and organisations

Give us accurate details when you sign up and keep them up to date. You're responsible for everything done with your account and with your organisation's API keys and MCP connections, including use you didn't authorise, and you pay for every credit they use. Keep your password and keys secret. If you think someone has got into your account or a key has leaked, revoke it and tell us straight away.

Trial and plans

New customers get a free 14 day trial, capped at 5,000 credits, with access to every endpoint and no card needed. You get one trial per person or company. If you create extra accounts or organisations to get more trial credits, we'll close all of them without notice and can bill you for every credit used at our standard overage rates.

When the trial ends, the API pauses until you choose a paid plan or the free plan. The free plan is for personal, non-commercial projects only, and has 2,000 credits a month. Each person gets one free organisation, and any other organisation they create needs a paid plan. Once you pay for your free organisation you can create a new free one. The same rule on extra accounts applies here too.

Paid plans are billed monthly or yearly. Each one comes with a monthly pool of credits and a rate limit, and each endpoint costs a set number of credits. Lookups that fail aren't charged. Current prices, pools and credit costs are on the pricing page. We can change prices, plans and credit costs at any time, and a change applies from your next billing period.

Payment

Prices are in US dollars and don't include tax, which is added where it applies. Stripe charges your card at the start of each billing period. If you use more credits than your plan includes, the extra is charged at your plan's overage rate and invoiced after the period ends. You can set a spend cap in the dashboard if you'd rather stop at a limit.

Upgrades apply straight away and you pay the prorated difference then. Downgrades take effect when your plan renews. If a payment fails we can stop your API access at any time until the bill is paid in full. Unpaid amounts stay owed after your plan ends, and you'll cover what it costs us to collect them.

Cancelling and refunds

You can cancel from your billing settings at any time. Your plan stays active until the end of the period you've paid for, then API requests stop and you won't be charged again. Your keys and settings stay in place in case you come back, until you delete the organisation.

We don't refund partial periods, unused credits or overage. If we close your account for breaking these terms, you get no refund and anything you owe becomes due at once. None of this affects a right to a refund you have under consumer protection law that can't be excluded.

Using Quova data

While you're on a paid plan or the trial, your organisation can use the data you get from Quova in its own apps, websites, spreadsheets and internal tools, show it to its users, and build its own calculations and charts on top of it. This licence can't be transferred, and it ends when your plan does.

On the free plan the same licence applies, but only to personal, non-commercial projects, and anywhere you show the data you have to include a visible link to quova.io saying where it came from.

You can't resell or redistribute the data itself. That rules out passing it on as a feed, an API, a bulk download or a dataset, sharing your keys with anyone outside your organisation, and using it to build a market data service that competes with Quova. Doing any of it ends your licence immediately, and we can charge you what the data would have cost under a licence that allowed it. If you need a licence like that, email us first.

Acceptable use

Don't use Quova to break the law or to get in the way of the service for other customers. In particular, don't:

• get around rate limits, credit budgets or plan restrictions, including by spreading requests across accounts
• use the free tools on quova.io as a free API, or scrape them
• probe, scan or attack our systems, or try to reach data that isn't yours
• try to work out where our data comes from, or build a copy of our API or documentation

We decide what counts as abuse. If you find a security problem, report it to us and stop there, since testing it further is itself a breach.

Accuracy and advice

Quova's data comes from many third party sources. We fix errors when we find them, but data can still be late, incomplete or wrong, and quotes are delayed rather than real time. Check anything important against an official source before relying on it.

Nothing Quova provides is financial, investment, tax or legal advice. That includes tax data like franking, trust tax components, cost base splits and official tax exchange rates, so confirm those against the issuer's statements or with a tax adviser before you lodge anything.

Changes to the service

We can change or remove endpoints, datasets, coverage and features at any time. We try to give notice of breaking changes, but we don't have to. We don't guarantee any level of uptime, and you can check the current status at status.quova.io.

Suspension and closing

We can suspend or close any account or organisation, at any time and without notice, if we believe it has broken these terms, hasn't paid, or puts Quova or other customers at risk. We can also refuse service to anyone. Suspension doesn't pause billing. You can stop using Quova at any time by cancelling your plan and deleting your organisation.

Your content

What you send us, like your queries, key names and organisation details, stays yours. You let us use it to run Quova for you, as the privacy policy describes. If you send us feedback or ideas, we can use them without owing you anything.

Our property

The Quova software, API design, documentation, website and brand belong to us, and these terms don't give you any rights to them beyond using the service. You're welcome to copy the code samples from our docs into your own projects.

Warranties and liability

Quova is provided as is. As far as the law allows, we don't promise it will be uninterrupted, free of errors or fit for any particular purpose.

We aren't liable for indirect or consequential losses, or for lost profits, trading losses, tax penalties or decisions made using our data. Our total liability for all claims combined is limited to what you paid us in the 3 months before the first one. Some laws, including consumer protection laws, give you rights we can't exclude, and nothing in these terms limits them.

You're responsible for how your own product uses Quova data. If anyone, including your own users, makes a claim against us because of your product, your use of Quova or your breach of these terms, you'll cover our losses and legal costs.

Changes to these terms

We can update these terms at any time, and the date at the top shows when they last changed. Using Quova after a change means you accept the new terms. If you don't, stop using Quova and delete your organisation.

Contact

Questions about these terms go to [email protected].