Terms and Conditions

Last updated: 14/09/2026

Endless Curiosity Ltd operates the website quarterday.co (our site) and, through it, a subscription-based budgeting and financial-forecasting tool (the Subscription Services).

Endless Curiosity Ltd is a limited liability company registered in England and Wales under company number 12677582, whose registered office is at The Accountancy Partnership, 70 Grange Road East, Wirral, CH41 5FE, United Kingdom (Endless Curiosity, we, us, our).

These subscriber terms apply whether you subscribe as a Consumer or as a Business Customer (each as defined below). Some provisions apply only to one or the other; where that is the case, we say so.

1. DEFINITIONS AND INTERPRETATION

1.1 In these subscriber terms:

• Account means the account you create to access the Subscription Services;
• Business Customer means a customer who is not a Consumer, including any individual, firm or company subscribing wholly or mainly for purposes relating to its trade, business, craft or profession;
• Consumer means an individual subscribing wholly or mainly outside that individual's trade, business, craft or profession;
• Cooling-off Period has the meaning ascribed to it in clause 9.1;
• Free Trial means any free or discounted trial period offered before a paid subscription begins;
• Subscription Date has the meaning ascribed to it in clause 6.2;
• Subscription Fee means the fee payable for the Subscription Services;
• Subscription Period means the period for which you have subscribed, as described in clause 6; and
• Term means the period from the start of any Free Trial (or, if there is no Free Trial, from the Subscription Date) until these terms or your subscription come to an end, and includes each Subscription Period.

1.2 Whether you are contracting as a Consumer or as a Business Customer depends on the capacity in which you subscribe, and not simply on whether you own or run a business:

• a) you subscribe as a Consumer if you are an individual subscribing wholly or mainly for your own personal purposes (for example, to manage your household or personal finances), even if you happen to run a business; and

• b) you subscribe as a Business Customer if you are subscribing wholly or mainly for the purposes of a trade, business, craft or profession (for example, to forecast or manage the finances of a business you operate, including as a sole trader).

1.3 If you are an individual who runs a business (such as a sole trader), we will treat you as a Consumer to the extent that you are acting wholly or mainly outside your trade, business, craft or profession. Where you are in fact acting as a Consumer, your statutory consumer rights apply and are not affected by these terms.

1.4 A reference to "writing" includes email. Headings are for convenience only.

2. THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

2.1 These subscriber terms must be read together with each of the following:

• a) our Website Terms of Use; and
• b) our Privacy Policy;

which, together with these subscriber terms, form the contract between you and Endless Curiosity for the provision of the Subscription Services.

2.2 We may amend these subscriber terms and the Subscription Services from time to time to reflect changes in relevant laws and regulatory requirements, or to make minor technical adjustments and improvements (for example, to address a security threat) that will not materially affect your use of the Subscription Services.

2.3 If we need to make more significant changes to the Subscription Services or these terms, we will give you reasonable notice in advance. Where the change materially and adversely affects your ability to use, or to obtain the benefit of, the Subscription Services, you may end your subscription by giving us notice within 30 days of the later of (a) the date we notify you of the change and (b) the date the change takes effect. If you do, we will refund any Subscription Fees you have paid in advance for the remaining part of your Subscription Period for Subscription Services you will not receive.

3. YOU ACCEPT THESE TERMS

3.1 By applying to become a subscriber (including by starting a Free Trial), you confirm that you accept these subscriber terms and agree to comply with them. If you do not agree, you must not subscribe.

3.2 We recommend that you print or save a copy of these terms for future reference.

3.3 If you have any questions, contact us at [email protected].

4. ELIGIBILITY

4.1 You may only subscribe if you are aged 18 or over and resident in the United Kingdom.

4.2 The Subscription Services, including any tax estimates, have been developed with the tax and related rules of England and Wales in mind. The Subscription Services do not currently incorporate Scottish income tax rates or bands, or tax and related rules applicable in other territories. Where the Subscription Services are updated to incorporate tax rates, rules or other information applicable to additional territories, the territories and rules covered will be identified on our site. Tax and other rules differ across the nations of the United Kingdom and in other countries, and where the Subscription Services offer different tax rate options, it will be your responsibility to select or otherwise indicate the relevant territory and applicable rules and you understand that the accuracy and relevance of any output may be affected if you do not select or indicate the correct territory or applicable rules. By subscribing, you confirm that you understand these limitations.

4.3 By subscribing, you confirm that you are eligible and that you understand the limitations of the Subscription Services described in these terms.

5. THE SUBSCRIPTION SERVICES AND FREE TRIAL

5.1 We may offer different subscription tiers, each with different features and access. Full details of the tiers, their features and pricing are set out on the subscription pages of our site and will be confirmed to you during checkout and in your Account.

5.2 We may offer you a Free Trial. The length of the Free Trial, when it starts and ends, and any conditions that apply to it (including when and how it converts to a paid subscription) will be described on our site and confirmed to you during the order process and in your Account.

5.3 We will tell you before the end of the Free Trial how and by when to cancel to avoid being charged.

6. DURATION, RENEWAL AND PRICING

6.1 The Subscription Fee and billing frequency for each tier are shown on the subscription pages and confirmed at checkout.

6.2 Your paid subscription begins on the date we confirm your first successful payment (Subscription Date) and continues for the Subscription Period selected. No Subscription Fee is payable during any Free Trial, and the Subscription Period begins only when the Free Trial ends and your first payment is taken. This affects only when the Subscription Fee is payable; your obligation to comply with these terms applies throughout the Term, including during any Free Trial.

6.3 Unless cancelled in accordance with these terms, your subscription will automatically renew for successive periods of the same length, at the then-current price, and we will take payment using your saved payment method. We will give you reasonable advance notice of each renewal and of any price change, and (if you are a Consumer) of your right to cancel before renewal.

6.4 If a price change is unacceptable to you, you may cancel before it takes effect and it will not apply to you.

7. PAYMENT

7.1 Payments are processed by our third-party payment services provider. By subscribing you agree to the payment service provider's terms, and you authorise us (via the payment services provider) to charge your chosen payment method for the Subscription Fee.

7.2 You must provide accurate, current and complete payment information and keep it up to date. If a payment fails, we may retry, suspend or cancel your access in accordance with clause 12.

7.3 All Subscription Fees are stated inclusive of VAT.

8. YOUR ACCOUNT

8.1 You must keep your Account log-in details and password confidential and must not disclose them to any third party.

8.2 We may disable any log-in details or password, whether chosen by you or allocated by us, at any time if in our reasonable opinion you have failed to comply with these terms.

8.3 If you know or suspect that anyone other than you knows your log-in details or password, you must promptly notify us at [email protected].

8.4 Your subscription is personal to you and is for a single user. The Subscription Services are intended for individuals, including individual small-business owners such as sole traders, and we do not offer multi-user or seat-based access. You may not share, resell or transfer access to your Account.

9. YOUR RIGHT TO CHANGE YOUR MIND (CONSUMERS ONLY)

9.1 If you are a Consumer, you have a legal right to change your mind and cancel within 14 days of the Subscription Date (the Cooling-Off Period), under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

9.2 Because the Subscription Services are supplied digitally, you may ask us to begin (or continue) providing them during the Cooling-Off Period. If you do:

• a) you acknowledge that, for any digital content supplied with your express consent and acknowledgement, you will lose your right to cancel once supply begins; and
• b) for the service element, if you cancel during the Cooling-Off Period you will pay for the Subscription Services provided up to the point you tell us you want to cancel (a proportionate amount of the Subscription Fee).

9.3 To cancel, contact us at [email protected] (you may use the model cancellation form, but you do not have to). We will refund any amount due within 14 days of you telling us, using the same payment method you used, with no fee.

9.4 This clause 9 does not apply to Business Customers, who have no statutory cooling-off right.

10. YOUR RESPONSIBILITIES AND ACCEPTABLE USE

10.1 You are responsible for the accuracy and completeness of all information you enter (including account balances, budgets, income and expenditure). Outputs depend entirely on the information you provide and the assumptions we apply.

10.2 You must use the Subscription Services only for their intended purpose and in accordance with our Website Terms of Use, including the restrictions on copying, text/data mining and web scraping.

10.3 You must not use the Subscription Services in any unlawful way, or attempt to gain unauthorised access to, interfere with or disrupt the Subscription Services or the systems on which they run.

11. INTELLECTUAL PROPERTY AND LICENCE TO USE

11.1 We (or our licensors) own all intellectual property rights in our site and the Subscription Services and all associated content, software and materials. Nothing in these terms transfers any of those rights to you.

11.2 Provided you comply with these terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Subscription Services for your own personal or internal business use during the Term.

11.3 You retain ownership of the data you input. You grant us a licence to use that data to provide the Subscription Services and as set out in our Privacy Policy.

12. AVAILABILITY, SUSPENSION AND SUPPORT

12.1 We do not guarantee that our site or Subscription Services will always be available or uninterrupted. We may suspend, withdraw or restrict all or part of them for business and operational reasons, and will try to give you reasonable notice.

12.2 We may suspend or cancel your subscription (including access to your Account) where:

• a) you are not, or cease to be, eligible;
• b) you are in breach of these terms or any terms referred to in clause 2; or
• c) payment is not made when due.

13. THE SUBSCRIPTION SERVICES ARE NOT FINANCIAL OR TAX ADVICE

13.1 The Subscription Services, and all forecasts, projections, budgets, savings and net-worth estimates and tax estimates they generate, are provided for general information only. They are estimates based on the information you input and the assumptions we apply, and they may not reflect your actual financial position, tax liability or future outcomes.

13.2 The Subscription Services do not constitute financial, investment, tax, accounting, legal or other professional advice, nor a personal recommendation or regulated financial advice. You should obtain independent professional advice (for example from a qualified accountant, tax adviser or financial adviser) before taking, or refraining from, any action based on the Subscription Services.

14. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

14.1 Whether you are a Consumer or a Business Customer, we do not exclude or limit our liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence (or that of our employees, agents or subcontractors) and for fraud or fraudulent misrepresentation.

14.2 Subject to clause 14.1, and insofar as permitted by law, we are not liable for loss or damage arising from:

• a) your reliance on any output of the Subscription Services (see clause 13);
• b) any inaccuracy or incompleteness in the information you input;
• c) any technical fault, equipment, network or third-party service failure;
• d) any event outside our reasonable control; or
• e) something you could have avoided by taking reasonable care (for example, keeping your log-in details secure or your device protected).

14.3 If you are a Business Customer:

• a) we exclude all implied conditions, warranties, representations or other terms that may apply to the Subscription Services;
• b) we will not be liable for loss of profits, sales, business or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss; and
• c) our total liability to you in connection with the contract, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to the total Subscription Fees paid by you in the 12 months before the event giving rise to the claim.

14.4 If you are a Consumer:

• a) we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable;
• b) nothing in these terms affects your statutory rights, including your rights under the Consumer Rights Act 2015 that the Subscription Services be provided with reasonable care and skill; and
• c) the Subscription Services are intended for your personal budgeting and financial-forecasting use; if you use them for any business purpose, clause 14.3 applies to that use.

15. TERMINATION

15.1 You may cancel your subscription at any time with effect from the end of the current Subscription Period (and, if you are a Consumer, in accordance with clause 9 during the Cooling-Off Period).

15.2 If we decide to stop providing the Subscription Services, we will give you at least one month's notice and refund any Subscription Fees paid in advance for Subscription Services you will not receive.

15.3 On termination, your right to access the Subscription Services ends. We may delete your data in accordance with our Privacy Policy.

16. DATA PROTECTION

16.1 We will only process personal data supplied by you as set out in our Privacy Policy.

17. GENERAL

17.1 We may transfer our rights and obligations under these terms to another organisation. We will tell you in writing. If you are a Consumer and you are unhappy with the transfer, you may contact us within 30 days of us notifying you to end the contract, and we will refund any Subscription Fees paid in advance for Subscription Services you will not receive.

17.2 You may not transfer your rights or obligations under these terms, or your Account, to anyone else.

17.3 These terms are the entire agreement between us in relation to the Subscription Services.

17.4 If a court finds any part of these terms unlawful or unenforceable, the remaining provisions will continue in force.

17.5 A delay in enforcing these terms is not a waiver of our rights.

17.6 We are not liable for delays or failures in performing our obligations caused by events outside our reasonable control, but we will contact you and take reasonable steps to minimise the delay.

17.7 Except as stated in these terms, no one other than you and us has any right to enforce these terms.

17.8 These subscriber terms are governed by English law and, wherever you live, you can bring claims against us in the English courts. If you are resident in a country other than England, the mandatory laws of, and the courts of, the country in which you are resident may also apply to, and be available to you in respect of, any dispute. We can bring claims against you in the courts of the country in which you are resident.