QuillFin

Last updated: 6 November 2026. Governed by the laws of New Zealand.

1.1 About QuillFin

QuillFin (“the app”) is a notes, quiz and practice-problem app run by Save Point Limited, a New Zealand company (company number 9392145, “we”, “us”, “our”). It runs on phones, tablets and computers, and on the web at quillfin.savepoint.co.nz. By using QuillFin you agree to these terms.

1.2 Who can use it

You must be at least 13 years old to use QuillFin. If you are under 18, you need a parent or guardian's permission to buy a subscription. You can use QuillFin without an account, in which case everything stays on your device. To sync between devices, use QuillFin's AI or subscribe, you need a QuillFin account, and you are responsible for keeping your sign-in secure.

1.3 Your content

Your notes, questions, problems and files belong to you. You give us permission to store, copy and process them only as needed to run QuillFin for you, for example to sync them between your devices or to generate quiz questions when you ask. We do not sell your content, use it for advertising, or show it to other users.

1.4 AI-generated questions

QuillFin can use AI to write quiz questions and answers from your notes. AI can be wrong, so check anything important against your own notes or a trusted source. Questions are a study aid, not professional, medical, legal or financial advice. If you connect your own AI account (for example OpenAI or Anthropic), your notes go straight from your device to that provider under their terms, and any charges from them are between you and them.

1.5 Acceptable use

When you use QuillFin, you agree not to:

• upload content you do not have the right to use, or that is illegal;
• use QuillFin's AI to create harmful, hateful or illegal material;
• try to get around plan limits, reach other people's data, overload our servers or reverse engineer the service; or
• share your account, or resell access to QuillFin.

We may suspend or close an account that breaks these terms. We will tell you why, unless the law or a security risk stops us.

1.6 Availability and backups

We work to keep QuillFin running and your data safe, but we provide it as is and cannot promise it will always be available or error-free. Keep your own copy of anything important: Settings > Your data > Export saves everything as one file.

1.7 Limitation of liability

To the extent allowed by New Zealand law, Save Point Limited is not liable for indirect or consequential loss, or for lost data, from using QuillFin. Our total liability to you is limited to the amount you paid us for QuillFin in the 12 months before the claim. Nothing in these terms limits rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or other laws that cannot be excluded. If you use QuillFin for business purposes, the Consumer Guarantees Act does not apply.

1.8 Changes and ending use

We may update QuillFin or these terms. If a change materially affects you, we will tell you in the app or by email before it takes effect. You can stop using QuillFin and delete your account at any time (see Deleting your account). If we ever shut QuillFin down, we will give at least 30 days' notice so you can export your data, and refund any unused paid time.

1.9 Contact

Questions about these terms: support@savepoint.co.nz.

Last updated: 6 November 2026.

2.1 Free and Pro

QuillFin is free to use. QuillFin Pro is an optional paid subscription that raises the monthly allowance on QuillFin's AI. The current price and allowances are shown before you pay, including any GST that applies.

2.2 Paying

Pro is bought on the QuillFin website or desktop app, and payments are handled by Stripe (opens in a new tab). We never see or store your full card details. Your subscription renews automatically each month or year until you cancel it.

2.3 Cancelling

You can cancel at any time from Settings > Plan > Manage plan on the QuillFin website or desktop app. You keep Pro until the end of the period you have paid for, then move back to the free plan. Your notes are not affected.

2.4 Refunds

We do not refund part-used periods, except where the law requires it or where QuillFin did not work as it should. If something went wrong, email support@savepoint.co.nz within 30 days of the charge and we will make it right. Price changes only apply from your next renewal, and we will tell you before then.

Last updated: 6 November 2026. Governed by the New Zealand Privacy Act 2020.

3.1 Without an account

If you use QuillFin without signing in, your notes, questions, problems and settings stay on your device. We do not receive them. If you add your own AI key, it is kept in your device's secure storage and your notes go straight to the AI provider you chose when you ask for questions.

3.2 What we collect with an account

• Account details: your name, email address and sign-in method, and your profile picture if you sign in with a provider such as Google.
• Your study data: folders, notes, quiz questions, problems, attempts and review history, so they sync between your devices.
• Plan and usage: whether you are on Pro, your subscription status, and how many notes you have generated questions for this month.
• Payment details: handled by Stripe. We receive your billing email, country and subscription status, never your full card number.
• Basic technical logs: errors and request records our hosting providers keep so the service runs reliably.

QuillFin has no ads, no analytics or tracking tools, and does not read your contacts, location, camera or microphone. Reminder notifications are scheduled on your device.

3.3 How we use it

Only to run QuillFin: signing you in, syncing your data, generating questions when you ask, applying your plan, billing, support, and keeping the service secure. We never sell your information or use it for advertising.

3.4 QuillFin's AI

When you generate questions on QuillFin's AI, the text of that note (and short excerpts of linked notes) is sent to Anthropic (opens in a new tab) to write the questions. Under its commercial terms, Anthropic does not use this content to train its models.

3.5 Who we share it with

We use these service providers, who process data for us under their own privacy terms. Each is based in the United States, so your information is stored and processed there. We choose providers that protect personal information in ways comparable to the New Zealand Privacy Act.

• Clerk (opens in a new tab): accounts and sign-in.
• Convex (opens in a new tab): the database that stores and syncs your study data.
• Stripe (opens in a new tab): payments and subscriptions.
• Anthropic (opens in a new tab): generating questions on QuillFin's AI.
• Cloudflare (opens in a new tab): delivering the QuillFin website securely.

We only share your information with anyone else if the law requires it.

3.6 How long we keep it

We keep your account and study data until you delete them or your account. Deleted notes are removed from sync straight away. When you delete your account, everything is deleted as described in Deleting your account. Billing records are kept for 7 years, because New Zealand tax law requires it.

3.7 Your rights

You can see and export your data at any time in the app (Settings > Your data > Export), correct it by editing it, and delete it or your whole account. You can also ask us for a copy of what we hold, or to correct or delete it, by emailing support@savepoint.co.nz. We will respond within 20 working days.

3.8 Keeping it safe

Data is encrypted in transit, sign-in tokens are kept in your device's secure storage, and only Save Point staff who run QuillFin can reach its systems. If a privacy breach happens that has caused, or is likely to cause, serious harm, we will tell you and the Office of the Privacy Commissioner as soon as practicable.

3.9 Children

QuillFin is not intended for children under 13, and we do not knowingly collect their information. If you believe a child under 13 has an account, email support@savepoint.co.nz and we will delete it.

3.10 Questions or complaints

Contact our privacy officer at support@savepoint.co.nz. If you are not happy with our response, you can contact the Office of the Privacy Commissioner at www.privacy.org.nz (opens in a new tab).

Last updated: 6 November 2026.

The QuillFin website only uses cookies and browser storage that are strictly necessary for it to work, so it does not show a cookie banner:

• Sign-in cookies, set by Clerk, keep you signed in and protect your account.
• Browser storage (local storage and IndexedDB) remembers your settings, such as light or dark mode, and holds your notes when you use QuillFin on the web without an account.
• Stripe sets its own cookies on its checkout pages to process payments and prevent fraud.

There are no analytics, advertising or tracking cookies. The mobile and desktop apps do not use cookies. You can clear cookies and site data in your browser at any time; doing so signs you out, and erases notes that were only stored in that browser. If we ever add cookies that are not strictly necessary, we will update this policy and ask for your consent first.

Last updated: 6 November 2026.

You can delete your QuillFin account at any time:

• In the app: open the Account tab, then tap Delete account and confirm.
• On the web: sign in at quillfin.savepoint.co.nz/account and choose Delete my account.
• By email: if you can no longer sign in, email support@savepoint.co.nz from the address on your account and we will delete it within 20 working days.

When your account is deleted:

• a Pro subscription is cancelled straight away and you are not charged again;
• your sign-in, notes, questions, problems, review history and usage records are permanently deleted from our systems, usually within minutes. Copies in our providers' backups are removed when those backups expire;
• billing records held by Stripe are kept for 7 years, as New Zealand tax law requires; and
• the copy on the device you deleted from is removed. Other devices stop syncing; uninstall the app there to remove their copy.

Deleting an account cannot be undone. Export your data first (Settings > Your data > Export) if you want to keep a copy.