Terms and Conditions

Last updated April 30, 2026

Agreement to our legal terms

We are Four By Firelight (“Company”, “we”, “us”, or “our”), a company registered in Australia at 21 Woods Point Rd, Warburton, Victoria 3799.

We operate the website quiddo.com.au (the “Site”), the mobile application Quiddo (the “App”), and any other related products and services that refer or link to these legal terms (the “Legal Terms”) (collectively, the “Services”).

You can contact us by email at [email protected] or by mail to 21 Woods Point Rd, Warburton, Victoria 3799, Australia.

These Legal Terms constitute a legally binding agreement between you and Four By Firelight concerning your access to and use of the Services. By accessing the Services, you agree to be bound by these Legal Terms. If you do not agree, you must discontinue use immediately.

We may change these Legal Terms from time to time. For changes that materially affect your rights or obligations, we will give you reasonable advance notice — for example, by email to the address on your account or by an in-app notice — and you will have the opportunity to stop using and cancel the Services before the changes take effect. For non-material changes (typographical fixes, clarifications, updated contact details), we will simply update the “Last updated” date above. The Services are intended for users at least 18 years old. We recommend you keep a copy of these Legal Terms for your records.

1. Our services

The Services are provided primarily for users in Australia. Those who access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws.

The Services are not tailored to comply with industry-specific regulations such as HIPAA, FISMA, or GLBA. If your use of the Services would be subject to such laws, you may not use them.

2. Not a financial service

Quiddo is designed only as a record-keeping and reminder tool for families. It does not hold stored value, execute transfers, debit accounts, or enable payments through the app. The balances displayed in Quiddo are records you keep for your family’s reference; they do not represent money held by us or by any other party on your behalf.

3. Accuracy of balances

Quiddo records balances based on the transactions you enter. We are not responsible for discrepancies between your Quiddo records and any actual money held or owed within your family. It is your responsibility to ensure the information you enter is accurate.

4. Service availability

We aim to keep Quiddo available at all times but do not guarantee uninterrupted access. Scheduled maintenance, third-party outages, or circumstances beyond our control may cause temporary unavailability. We are not liable for any loss resulting from service interruptions.

5. Intellectual property rights

Our intellectual property

We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (the “Content”), as well as the trademarks, service marks, and logos (the “Marks”).

Our Content and Marks are protected by copyright and trademark laws and treaties around the world. The Content and Marks are provided “AS IS” for your personal, non-commercial use only.

Your use of our services

Subject to your compliance with these Legal Terms, including the “Prohibited activities” section, we grant you a non-exclusive, non-transferable, revocable licence to access the Services and to download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use.

Except as set out here or elsewhere in these Legal Terms, no part of the Services, Content, or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission. Send permission requests to [email protected].

We reserve all rights not expressly granted to you. Any breach of these intellectual property rights will constitute a material breach of these Legal Terms and your right to use the Services will terminate immediately.

Feedback

If you send us any question, comment, suggestion, idea, or other feedback about the Services (“Feedback”), you assign to us all intellectual property rights in that Feedback. We may use and share such Feedback for any lawful purpose without compensation to you. Feedback is not treated as confidential. This section applies only to Feedback you send to us directly; the Services do not host any user-generated public content.

6. User representations

By using the Services, you represent and warrant that:

all registration information you submit will be true, accurate, current, and complete;
you will maintain the accuracy of such information and update it promptly;
you have the legal capacity and agree to comply with these Legal Terms;
you are at least 18 years old;
you will not access the Services through automated or non-human means;
you will not use the Services for any illegal or unauthorised purpose; and
your use of the Services will not violate any applicable law or regulation.

These Legal Terms are between Four By Firelight and the parent or guardian who registers the account. Children using a parent’s linked device are not parties to these Legal Terms; the parent is responsible for the child’s use.

If you provide untrue, inaccurate, outdated, or incomplete information, we may suspend or terminate your account and refuse current or future use of the Services.

7. User registration

You must register an account to use the Services. You agree to keep your password confidential and are responsible for all activity on your account. We may remove, reclaim, or change a username at our sole discretion if we determine it is inappropriate, obscene, or otherwise objectionable.

8. Purchases and payment

Subscription payments are processed by Stripe and accept all major card networks supported by Stripe (including Visa, Mastercard, American Express), as well as Apple Pay, Google Pay, and Link.

You agree to provide current, complete, and accurate purchase and account information, and to keep your payment method up to date. GST is included in the prices shown to Australian customers; equivalent taxes will be added for other jurisdictions where required. We may change prices at any time. All payments are in AUD unless otherwise stated.

You authorise us to charge your chosen payment provider for all charges at the prices in effect for your purchases. We reserve the right to correct any pricing errors even after payment.

9. Subscriptions

Billing and renewal

Your subscription will continue and automatically renew unless cancelled. You consent to our charging your payment method on a recurring basis without requiring prior approval for each recurring charge, until you cancel. The length of your billing cycle depends on the subscription plan you choose.

Free trial

We offer a 14-day free trial to new users. We may require a payment method when you start your trial. If you have provided a payment method, your subscription will begin and your card will be charged at the end of the trial unless you have cancelled. If you have not subscribed by the end of the trial, your account will become read-only until you do.

Cancellation

You can cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current paid term. Subject to the Australian Consumer Law section below, paid subscription fees are non-refundable. If you have any questions, email [email protected].

Fee changes

We may change subscription fees and will notify you of any price change with reasonable notice in accordance with applicable law.

10. Software

We may include software for use with our Services. If accompanied by an end user licence agreement (EULA), the EULA governs. Otherwise, we grant you a non-exclusive, revocable, personal, non-transferable licence to use the software solely with our Services and in accordance with these Legal Terms. Software is provided “AS IS” without warranty of any kind, except to the extent required by the Australian Consumer Law or other non-excludable laws. You may not reproduce or redistribute software except as permitted.

11. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make them available. As a user, you agree not to:

Systematically retrieve data or content from the Services to create or compile a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us or other users, especially to learn sensitive account information such as passwords.
Circumvent, disable, or otherwise interfere with security-related features of the Services.
Use information obtained from the Services to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with applicable laws or regulations.
Upload or transmit viruses, Trojan horses, or any material that interferes with the operation of the Services.
Engage in any automated use of the system, scripts, robots, scrapers, or data mining tools, except via standard search engines or browsers.
Delete copyright or other proprietary rights notices from any Content.
Attempt to impersonate another user or person, or use another user’s account.
Interfere with, disrupt, or create an undue burden on the Services or connected networks.
Harass, annoy, intimidate, or threaten any of our employees or agents.
Attempt to bypass measures designed to prevent or restrict access to the Services.
Decipher, decompile, disassemble, or reverse engineer any software comprising the Services, except as permitted by law.
Make unauthorised use of the Services, including harvesting account details or creating accounts by automated means or under false pretences.
Use the Services to develop a product, service, or software that competes with the Services.

12. Mobile application licence

Use licence

If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on devices owned or controlled by you, strictly in accordance with these Legal Terms. You shall not: (1) decompile, reverse engineer, disassemble, derive source code from, or decrypt the App, except as permitted by law; (2) modify, adapt, improve, enhance, translate, or create derivative works from the App; (3) violate applicable laws in connection with the App; (4) remove or alter proprietary notices; (5) use the App for any commercial enterprise or purpose not designed or intended; (6) make the App available on a network for multiple devices or users; (7) use the App to create a competing product or substitute; (8) use the App to send automated queries or unsolicited commercial email; or (9) use our proprietary information or interfaces in the design of competing applications.

Apple and Android devices

The following terms apply when you obtain the App from the Apple App Store or Google Play (each an “App Distributor”): (1) the licence is limited to a non-transferable licence to use the App on a device that uses Apple iOS or Android, in accordance with the App Distributor’s terms of service; (2) we are responsible for providing maintenance and support, and the App Distributor is not; (3) in the event of any failure to conform to a warranty, you may notify the App Distributor, who may refund the purchase price (if any) and will have no other warranty obligation; (4) you represent that you are not located in a country subject to a US embargo or designated as a “terrorist supporting” country, and are not on any US government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement; and (6) the App Distributors are third-party beneficiaries of these terms with the right to enforce them against you.

We, and not the App Distributor, are responsible for the App and its content, and (subject to the Australian Consumer Law section and other non-excludable laws) for addressing any claims you or any third party may have relating to the App, including: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. We, and not the App Distributor, are responsible for the investigation, defence, settlement, and discharge of any third-party intellectual property infringement claim relating to the App or your use of it.

13. Social login

You can register or sign in to Quiddo using your Google, Apple, or Facebook account. When you do, we receive a limited set of profile information from that provider — typically name, email address, and profile picture — and use it only to create and authenticate your Quiddo account. We do not request access to your friends list, contacts, or social posts. Your relationship with the social provider is governed by their terms and privacy notice.

14. Services management

We reserve the right (but not the obligation) to: (1) monitor the Services for violations of these Legal Terms; (2) take legal action against violators, including reporting to law enforcement; (3) refuse, restrict, limit, or disable access to the Services; (4) remove files and content excessive in size or burdensome to our systems; and (5) otherwise manage the Services to protect our rights and property and facilitate proper functioning.

15. Privacy policy

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by it. The Services are hosted in Australia. Where the GDPR or UK GDPR applies, international transfers of personal information are made under appropriate safeguards (such as Standard Contractual Clauses and, for UK personal data, the UK International Data Transfer Addendum or IDTA), as described in the Privacy Policy.

16. Term and termination

These Legal Terms remain in full force while you use the Services. You can stop using the Services at any time and cancel your account from your account settings.

We may suspend or terminate your access immediately, without prior notice, if: (a) you breach these Legal Terms in a material way; (b) you use the Services in a way that risks harm to us, to other users, or to a third party (for example, fraud, abuse, security circumvention, or unlawful conduct); or (c) we are required to do so by law or by an order of a court or regulator.

For other reasons — for example, if we decide to discontinue the Services in your country — we will give you reasonable advance notice and, where you have prepaid for a subscription period, refund the unused portion on a pro-rata basis.

If we terminate or suspend your account for breach, you are prohibited from registering a new account under your name, a fake name, or a third party’s name. We reserve the right to take appropriate legal action where warranted.

17. Modifications and interruptions

We may change or improve the Services from time to time. For changes that materially reduce the functionality you rely on, or that affect the price you pay, we will give you reasonable advance notice — by email or in-app — so you can stop using the Services or cancel your subscription before the change takes effect. We will not be liable for any modification, price change, suspension, or discontinuance, except to the extent required by the Australian Consumer Law or other non-excludable laws.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems requiring maintenance, resulting in interruptions, delays, or errors. Subject to the Australian Consumer Law section, we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Services during downtime.

18. Australian Consumer Law

Nothing in these Legal Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be lawfully excluded.

Quiddo is a service of a kind ordinarily acquired for personal, domestic, or household use. The disclaimers and limitations of liability elsewhere in these Legal Terms apply only to the extent permitted by the Australian Consumer Law. To the extent the Australian Consumer Law applies and the limitation in section 64A of the ACL would not apply, those non-excludable consumer guarantees prevail and your remedies are as set out in the Australian Consumer Law.

19. Disclaimer

Subject to the Australian Consumer Law section above, the Services are provided on an “as-is” and “as-available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties about the accuracy or completeness of the Services’ content or the content of any linked sites, and we assume no liability for: (1) errors or inaccuracies; (2) personal injury or property damage; (3) unauthorised access to or use of our servers or personal/financial information; (4) any interruption of transmission; (5) bugs, viruses, or the like transmitted by third parties; or (6) errors or omissions in content, or loss or damage from use of content posted or transmitted via the Services.

20. Limitations of liability

Subject to the Australian Consumer Law section above, in no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Services, even if we have been advised of the possibility. Our liability to you for any cause will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising. Certain US state and international laws do not allow limitations on implied warranties or exclusion of certain damages; if these apply, some or all of the above may not apply to you.

21. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, officers, agents, partners, and employees, from any loss, damage, liability, claim, or demand (including reasonable attorneys’ fees) made by any third party due to or arising from: (1) your use of the Services; (2) breach of these Legal Terms; (3) breach of your representations and warranties; (4) violation of the rights of a third party (including intellectual property); or (5) any overt harmful act toward another user. We reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you indemnify us.

22. User data

We will maintain certain data you transmit to the Services to manage performance and your use of the Services. We perform regular routine backups, but you are solely responsible for all data you transmit. Subject to the Australian Consumer Law section above, we have no liability for any loss or corruption of such data, and you waive any right of action against us arising from such loss.

23. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communication be in writing. You agree to the use of electronic signatures, contracts, orders, and records, and to electronic delivery of notices, policies, and transaction records.

24. California users and residents

If any complaint with us is not satisfactorily resolved, California residents can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

25. Governing law and disputes

These Legal Terms are governed by the laws of Victoria, Australia and the Commonwealth of Australia. The courts of Victoria, Australia have exclusive jurisdiction to resolve any dispute arising in connection with these Legal Terms, subject to any non-excludable right you have under your local consumer law to bring proceedings in your country of residence.

Informal negotiation first

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms, the parties agree to first attempt to resolve any dispute informally for at least thirty (30) days before initiating proceedings. Informal negotiations begin upon written notice from one party to the other.

Nothing in this section prevents a party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction.

26. Corrections

The Services may contain typographical errors, inaccuracies, or omissions, including descriptions, pricing, and availability. We reserve the right to correct any errors and to change or update information at any time without prior notice.

27. Miscellaneous

These Legal Terms and any policies posted by us constitute the entire agreement between you and us. Our failure to exercise any right or provision shall not operate as a waiver. These Legal Terms operate to the fullest extent permissible by law. We may assign our rights and obligations under these Legal Terms in connection with a restructure, merger, sale, or transfer of all or part of our business, provided that your statutory rights are not reduced as a result. We are not responsible for any loss, damage, delay, or failure caused by any cause beyond our reasonable control. If any provision is found unlawful, void, or unenforceable, that provision is severable and does not affect the remaining provisions. No joint venture, partnership, employment, or agency relationship is created. You waive any defences based on the electronic form of these Legal Terms.

28. Contact us

To resolve a complaint regarding the Services or for further information, please contact us at:

Four By Firelight
21 Woods Point Rd
Warburton, Victoria 3799
Australia
[email protected]