Terms & Conditions

By accessing or using StaxQ, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the service.

StaxQ is a portfolio tracking and organisation tool for physical bullion and numismatic items. Features vary by subscription tier (Core free, Pro paid when billing is live, or promotional grants), region, and product roadmap. StaxQ is offered globally via web and progressive web app (PWA) technologies.

• You are responsible for your password, Recovery Key, and device security.
• You must provide accurate account information and keep credentials confidential.
• You are responsible for data you enter, import, or export from StaxQ.
• One person per account unless we explicitly authorise otherwise.
• Your portfolio data is stored in an encrypted vault. You are responsible for maintaining access to your credentials and for exporting records you need for tax, insurance, or legal purposes.

You agree not to:

• Attempt to bypass security, access other users' data, or probe our systems
• Use the service for unlawful purposes or to transmit malware
• Scrape, crawl, harvest, or systematically copy StaxQ content, UI flows, pricing logic, import/export behaviour, or API responses to build or train a competing product — except through features we expressly provide (such as your own vault export)
• Access the service by automated means (bots, scripts, or bulk tools) except normal browser or PWA use, or integrations we authorise in writing
• Scrape, resell, or misrepresent StaxQ or third-party data feeds without permission
• Abuse signup, waitlist, or support channels (including automated spam)
• Circumvent rate limits or API usage policies for integrated third-party services

StaxQ, its logo, branding, software, user-interface design, documentation, CSV templates, and help content are owned by or licensed to the operator of StaxQ and are protected by applicable intellectual-property laws. These Terms do not transfer any ownership to you.

Limited licence. We grant you a personal, non-exclusive, non-transferable, revocable licence to access and use StaxQ for your own portfolio tracking while you comply with these Terms. You may not sublicense, sell access to, or commercially exploit the service.

Your data. You retain ownership of portfolio records and content you enter or upload. You grant us a limited licence to host, process, encrypt, back up, and display that content solely to operate the service for you.

Feedback. If you send suggestions, bug reports, or feature ideas, you grant us a perpetual, royalty-free licence to use them to improve StaxQ without obligation to pay or credit you, unless we agree otherwise in writing.

Zero-knowledge transparency. We describe our encryption and vault architecture so you can verify privacy claims. That transparency does not grant a licence to copy our implementation, server-side logic, workflows, or branding. Standard cryptographic techniques remain in the public domain; our specific application, code, and product design do not.

You may not copy, reverse-engineer, decompile, or create derivative works of the StaxQ application or its client-side code for competitive purposes, except where applicable law gives you a non-waivable right to do so.

StaxQ Core is free and includes unlimited encrypted holdings, CSV import, basic reporting, and sale/disposal tracking as described on our pricing page.

StaxQ Pro (when self-serve billing is enabled) is billed through Stripe. List prices are quoted in Australian dollars (AUD):

• Monthly: $7.99 AUD per month, auto-renewing until cancelled
• Annual: $79.99 AUD per year, auto-renewing until cancelled

Stripe may present or settle charges in your local currency; conversion rates and any card-issuer fees are determined by Stripe and your payment provider, not StaxQ.

Beta and promotional access. During beta, Pro may be granted manually without payment. Promotional grants expire on the date shown in the app unless renewed. When Stripe checkout is disabled, section 6 billing provisions apply only once self-serve billing goes live.

Cancellation by you. You may cancel Pro at any time through Stripe customer portal or by contacting support. Cancellation takes effect at the end of the current paid billing period. No refund is offered for the unused portion of a billing period you have already paid for when you cancel, except where required by applicable consumer law (see section 12).

Refunds when StaxQ discontinues the service. If StaxQ permanently discontinues the platform for convenience (not because of your breach of these Terms), and you have an active prepaid Pro subscription, we will refund the pro-rata unused portion of your subscription — calculated by unused whole days remaining in your current billing period divided by the total days in that period — via Stripe or another reasonable method. This is in addition to your data-export rights in section 7.

Pro photos and receipts. Item photos and purchase documents are Pro-only, limited to one photo and one document per holding, stored in your encrypted vault. Core does not include attachment storage or upload.

If Pro access ends and you return to Core, your ledger holdings, sales history, and notes are retained — only photos and receipts are affected. Unless you renew Pro, attachments follow this schedule: (1) 14 days after Pro ends — view and download only, including full vault backup where offered; (2) if you sign in after that grace period, a further 3 days to download a backup; (3) if you do not export, attachments may be permanently removed after 3 months from when Pro ended, following email reminders. Re-subscribing to Pro after removal does not restore deleted attachments.

Routine feature changes. StaxQ may modify, add, limit, suspend, or remove individual features, integrations, data feeds, or tier entitlements (on Core or Pro) as the product evolves. Examples include spot sources, charts, eBay or other market-data tools, import/export formats, alerts, and third-party connectors. We may run experiments or deprecate functionality that depends on external providers. Prior behaviour, marketing copy, or roadmap descriptions do not guarantee future availability.

Account suspension or termination. You may delete your account at any time. We may suspend or terminate accounts that violate these Terms, pose a security risk, or fail to pay applicable fees. We may act immediately where necessary to protect users or the service.

When you delete your account or cancel Pro. If you delete your account or cancel a paid subscription yourself, your access ends (or steps down to Core where applicable) and no pro-rata refund is offered for unused prepaid time — for example, deleting your account part-way through an annual Pro plan. Export any records you need before deleting. This does not limit refunds we must provide under section 6 when StaxQ discontinues the service, or any non-excludable rights under section 12.

Permanent platform discontinuation. If StaxQ decides to permanently discontinue the platform (or a material part of it that prevents normal use), we will provide at least 30 days' advance notice by email to your registered address and by a prominent in-app notification. This notice period does not apply to immediate suspension for abuse, unlawful use, or security emergencies, though we will use reasonable efforts to let you export data where safe to do so.

Data Export Guarantee (notice window). During the discontinuation notice period, all active accounts may sign in and export their records:

• Core (free): CSV export of bullion and numismatic holdings from the ledger (including fields you entered such as purchase dates, weights, and notes), even if CSV export is normally a Pro feature.
• Pro: everything available to Core, plus Pro-tier exports you already had access to — including sales/disposal CSV and PDF reports where offered, Professional Asset Defense Report (PDF), and full vault backup (.zip) with your uploaded photos and receipts.

You are responsible for downloading exports before the notice period ends. After permanent shutdown, data will be deleted in accordance with our Privacy Policy.

Provisions that by nature should survive (including liability limits, disclaimers, and governing law) survive termination or discontinuation.

StaxQ does not provide financial, investment, trading, tax, or valuation or appraisal advice. Live spot prices, dealer spread displays, collector estimates you enter, and optional eBay market reference (active listing prices — not sold history) are for convenience only.

Any figure from eBay market reference is not a legal, insurance, or tax valuation. To the maximum extent permitted by law, StaxQ is not liable for loss arising from reliance on third-party listing data shown in the app.

Figures may contain errors — verify with a tax agent or accountant before lodging.

Sales & disposal draft reports are record-keeping workbooks only — not lodgement software for any revenue authority. Verify all figures with a qualified tax professional.

StaxQ relies on third-party providers for infrastructure, authentication, payments, email, spot and FX data, and optional market-data features. We do not control these providers and do not guarantee their availability, accuracy, or continuity. Features that depend on third-party APIs may degrade or be removed without notice.

To the maximum extent permitted by law, StaxQ is not liable for failure, change, or withdrawal of third-party services, or for loss arising from reliance on third-party data shown in the app.

The service is provided "as is" and "as available" to the fullest extent permitted by law. Subject to your non-excludable statutory rights (see section 12), we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement where allowed.

To the maximum extent permitted by applicable law, StaxQ and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, goodwill, business interruption, or anticipated savings, arising from your use of (or inability to use) the service.

Subject to section 12, our aggregate liability for all claims in any twelve-month period is limited to the total fees you paid to StaxQ in the twelve months immediately before the event giving rise to the claim. If you paid no fees in that period, that cap may be zero.

Australian users. Our services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL). Nothing in these Terms excludes, restricts, or modifies any consumer guarantee or other right that cannot lawfully be excluded. Where we may limit liability under the ACL, our liability is limited (at our option) to re-supply of the service or payment of the cost of having the service supplied again.

International users. If you access StaxQ from outside Australia, you may have additional mandatory rights under consumer, privacy, and data-protection laws in your country or state. Nothing in these Terms removes protections that cannot be waived where you live.

These Terms are governed by the laws of Queensland, Australia, except that mandatory consumer protections in your place of residence continue to apply where they cannot be excluded by agreement.

The courts of Queensland, Australia have non-exclusive jurisdiction, except where applicable law in your jurisdiction requires otherwise for consumers.

Before formal proceedings, contact us in good faith via Contact us.

If any provision is unenforceable in your jurisdiction, it is limited or severed only to the extent required; the remainder remains in effect.

We may update these Terms from time to time. Material changes will be posted on this page with an updated "Last updated" date. Continued use after changes take effect constitutes acceptance where permitted by law.

Questions: Contact us.