1. Acceptance of Terms

By accessing or using The Q Factor website (theqfactor.io) and associated services ("Service"), you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree, you must not use the Service.

These Terms constitute a legally binding agreement between you and The Q Factor ("we", "us", or "our").

2. Account Creation

To create an account, you must:

• Be at least 18 years of age
• Possess the legal right and ability to enter into a legally binding agreement
• Agree and warrant to use the Service in accordance with these Terms
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorised access to your account

We retain the right to cancel your account for any reason, including but not limited to violation of these Terms, or refuse your account creation request at our sole discretion.

3. Description of Service

The Q Factor provides sophisticated investment research tools designed to analyze company performance across the US, ASX, SGX, NZX, and our expanding global coverage. Our methodology systematically evaluates:

• Quantitative Audit: Fundamental financial metrics and ratios derived from audited company statements.
• Execution Consistency: A longitudinal assessment of management’s historical performance against their stated strategic objectives and public disclosures.

Our Service synthesizes these inputs into a "Q Score" and "Executive Summary" to assist users in assessing fundamental company quality. This information is provided for research and educational purposes only.

4. Accuracy and Completeness of Information

While we use reasonable efforts to ensure the accuracy and completeness of information on our Service, to the maximum extent permitted by law:

• We make no warranty regarding the accuracy, completeness, or timeliness of any information
• Financial data may be delayed from source providers
• Our analysis represents a systematic interpretation, not a guarantee of accuracy
• Information may contain errors or become outdated
• Scores and ratings may change as new information becomes available

We make no commitments regarding minimum uptime or availability, although we make reasonable efforts to ensure the Service is operational. We may change, update, or discontinue any aspect of the Service at any time without notice.

We are not liable for any interference with or damage to your computer systems in connection with the use of our Service. You must take your own precautions to ensure that whatever you access from our Service is free of viruses or anything else that may interfere with your computer systems.

5. Free Trial

New users receive a 7-day free trial to evaluate the Service:

• Duration: 7 days from signup
• Report limit: 3 reports during trial period
• After trial: Access requires a paid subscription or report credits

Users (or households) are restricted to one trial per 12 months. Approval of a trial is at our sole discretion. Users who abuse the trial system (e.g., creating multiple accounts) may be permanently banned from the Service.

6. Subscription and Payment

6.1 Subscription Plans

We offer tiered subscription plans (Premium and Pro) with monthly and annual billing options. Each tier includes a monthly allocation of full company reports. Current pricing and plan details are available on our Pricing page.

6.2 Report Credit Bundles

One-time report credit purchases are also available for users who prefer not to subscribe. Credits are valid for 6 months from purchase date. See our Pricing page for current options and pricing.

6.3 Payment Processing

Payments are processed securely through Stripe. We do not store your credit card details on our systems. All payment information is handled in accordance with PCI-DSS standards.

6.4 Automatic Renewal

Subscriptions automatically renew at the end of each billing period (monthly or annually) until cancelled. Renewals will be charged to your default payment method at the current plan rate.

6.5 Price Changes

We reserve the right to change pricing at any time with reasonable notice to subscribers. Price changes will take effect at your next billing cycle after the notice period.

6.6 Promotional Pricing

Promotional or discounted rates apply only for the specified promotional period (up to a maximum of 12 months), after which standard pricing applies.

6.7 Sole Use Only

Users are unable to share access to their subscription features unless explicitly approved under their subscription level.

7. Cancellation and Refunds

7.1 Refund Policy

No refunds. Due to the nature of information products, all sales are final after your free trial period ends. You have 7 days during your trial to evaluate the service before committing.

7.2 Cancellation

You may cancel your subscription at any time through your account settings:

• Cancellation is effective at the end of your current billing period
• You retain access until the end of your paid period
• No refunds for partial months or unused time
• No further charges will be made after cancellation

7.3 Report Credit Bundles

Bundle purchases are non-refundable once purchased and cannot be redeemed for cash.

• Credits remain valid for 6 months from purchase
• Credits are separate from subscriptions
• Credits can be used if you exceed your subscription limit

8. Credit Purchase Policy

8.1 Report Credits

Credits are purchased as one-time transactions and provide access to full company analysis reports:

• Single report: $199
• 3-Pack: $499 (~$166/report)
• 5-Pack: $799 (~$160/report)
• 10-Pack: $1,490 (~$149/report)

Credits are valid for 6 months from the date of purchase. Unused credits are non-refundable. Each credit unlocks the complete current-year analysis for one company.

8.2 Downgrades

Direct downgrades are not available. To move to a lower tier:

1. Cancel your current subscription
2. Continue using your current tier until the billing period ends
3. Subscribe to the lower tier after your period expires

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorised access to our systems or networks
• Redistribute, resell, or commercially exploit the Service content without written permission
• Share your account credentials with others or allow multiple users on a single account
• Use automated tools, bots, or scripts to scrape or extract data from the Service
• Systematically download or copy reports for purposes of creating a competing product
• Circumvent or attempt to circumvent any access controls or usage limits
• Remove or alter any watermarks, proprietary notices, or attribution
• Interfere with the proper functioning of the Service
• Create multiple accounts to abuse the free trial or promotions
• Upload files that contain viruses or malicious code
• Post or transmit defamatory, obscene, threatening, or otherwise objectionable material

10. Intellectual Property

Unless otherwise indicated, we own or license all rights, title, and interest in the Service and all content, including but not limited to:

• Analysis reports, scores, text, and graphics
• Logos, icons, and design elements
• Analysis methodology and scoring systems
• Software, code, and databases

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.

Any reproduction or redistribution of the Service or Content outside of permitted uses is prohibited and may result in civil and criminal penalties.

11. No Commercial Use

Unless you have a specific commercial agreement with us, the Service is for your personal, non-commercial use only. You may not:

• Redistribute our analysis or reports to third parties
• Use our content for commercial publications
• Resell or sublicense access to our Service
• Use our data to create competing products or services
• Use the Service for any advertising or revenue generation activity

12. Third-Party Links and Services

Our Service may contain links to third-party websites. We do not control, endorse, or assume responsibility for any third-party sites. You access linked sites at your own risk and should review their terms and privacy policies.

13. Disclaimer of Warranties

To the maximum extent permitted by law:

• The Service is provided "AS IS" and "AS AVAILABLE"
• We make no warranties, express or implied, regarding the Service
• We do not warrant that the Service will be uninterrupted, error-free, or secure
• We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement

We reserve the right to restrict, suspend, or terminate your access at any time without notice or liability.

14. Limitation of Liability

To the maximum extent permitted by law, including the New Zealand Consumer Guarantees Act:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• We shall not be liable for any loss of profits, revenue, data, or business opportunities
• We shall not be liable for any investment losses or damages arising from your reliance on information provided through the Service
• Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim

Some jurisdictions do not allow limitations on certain warranties or liabilities, so some of the above may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless The Q Factor, its officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any investment decisions you make based on information from our Service

16. Account Termination

We reserve the right to suspend or terminate your access to the Service at our sole discretion, with or without notice, for violation of these Terms (including the Acceptable Use policy in Section 9) or any suspected fraudulent or illegal activity. Termination may be immediate and without refund.

Upon termination:

• Your access to the Service will cease immediately
• No refunds will be provided for unused subscription time or credits
• We may delete your account data in accordance with our Privacy Policy

17. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Please read it in conjunction with these Terms.

18. Modifications to Terms

We may update these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending an email notification for significant changes

Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of New Zealand. You agree to submit to the exclusive jurisdiction of the courts of New Zealand for any disputes arising from these Terms or your use of the Service.

20. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

21. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Service, constitute the entire agreement between you and The Q Factor concerning the Service.

22. Contact Us

If you have any questions about these Terms, please contact us:

Email: [email protected]
Website: theqfactor.io