A few clear rules for using Qrtr.

You must provide accurate information, keep your login details private, and use Qrtr only for yourself or an account you are authorized to manage.

• You are responsible for activity on your account and for telling us if you think someone else has accessed it.
• You are responsible for checking that connected accounts, transactions, and settings are accurate.
• If you share a Qrtr account, you are responsible for choosing people you trust and setting the right permissions.
• You must be old enough to enter a binding agreement where you live.

Use Qrtr in a way that respects other people, our systems, and the law. You may not:

• Break the law, impersonate someone, or use Qrtr to commit fraud.
• Try to access another person’s account, data, or bank connection.
• Probe, scan, overload, reverse engineer, or interfere with Qrtr or its providers.
• Copy, resell, or create a competing service from Qrtr without permission.
• Upload malicious code or content that infringes someone else’s rights.

Qrtr is a money organization and visibility tool. It is not a bank, broker, lender, investment adviser, tax professional, or financial planner.

Qrtr’s calculations and suggestions are based on the information available to us and may be incomplete, delayed, or wrong. You make your own financial decisions and should talk with a qualified professional for advice about your situation.

You can stop using Qrtr at any time. We may suspend or end access if you break these terms, create a security risk, do something unlawful, or if we need to stop offering a service.

When an account ends, your right to use Qrtr ends too. The sections about intellectual property, disclaimers, liability, and disputes continue when they need to.

Qrtr is provided as it is and as available. We work hard to keep it reliable, but we cannot promise that it will always be available, error-free, complete, or fit for every purpose.

To the fullest extent allowed by law, Qrtr and its team will not be responsible for indirect, incidental, special, consequential, or punitive losses, or for losses caused by relying on information in the app.

Qrtr, its name, logo, software, design, writing, and other original materials belong to Qrtr or its licensors. We give you a limited, personal, revocable license to use the service while your account is in good standing.

You keep ownership of the information you add to Qrtr. You give us permission to use it only as needed to provide, secure, support, and improve the service, as described in our Privacy Policy.

These terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, unless another law must apply to you. Any dispute will be handled in the courts located in Colorado, unless the law gives you a different right.

Questions about these terms? Email support@qrtr.app.