Add ability to add 1 or 2 Quicken IDs to Subscription for Security/Privacy (28 Legacy Votes)

Unknown

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Kathryn, I am turning off my subscription auto-renewal now. This is not an acceptable answer.


You’ve essentially broken basic behaviors from Quicken 2017. Quicken has supporting managing a houehold’s finances for decades without regard to data structure—I could have a single file for my family, or manage my and my partners finances in a separate file. If I had known this was the behavior prior to purchasing, I would not have “upgraded.”


Thanks for treating your customers like criminals.

pbug56

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

I had to turn cloud sync off just to get QWP working properly on one of the 2 PC's I use it on.

pbug56

ProGolfer said:

Isn't that the idea of a subscription product?

It's licensed to YOU.  And even though you can install it on as many computers as you'd like, and use as many Quicken data files as you'd like, it's still a one user subscription...and thus the ONE Quicken ID requirement.

EVERY other piece of software that I purchase a license for (Dropbox, Parallels, CleanMyMac...even Microsoft Office) is ONE user software.  And in the case of Parallels, CleanMyMac and Microsoft Office, they are also ONE computer per license. (MIcrosoft desktop version, not the subscription product---Mac AND Windows versions.)  

I think the restriction from a Quicken Inc standpoint is an important one.

It was way too easy in the past to download copies of Quicken and then distribute them.  You could unscrupulously hand out copies of the software to anyone you know...or even didn't know.  Counterfeit copies of Quicken were available all over the internet, including eBay.  All you had to do was burn a CD with the software on it or copy the download file to any media available and hand it out.   

By limiting the Quicken subscription to what's basically one user, Quicken will remove a lot of the illegal counterfeiting of it's software.  Sure, if you're best buddy wants a copy you can still give him the download...but you'll now have to give him YOUR Quicken ID too to match up with it.

Now, I know what everyone will be saying.  Well, my kids or my wife have their own data file...and they want to have access to their own credit score and sync their file with the mobile app.

And to that I would say...buy another subscription.  That's what subscriptions do.  It's one Quicken per one user.  

I have office 365 for a bit more money - and it allows 5 PC's, all of my phones, and a lot more functionality then personal editions of office ever had.  It's a good value.  Qwp subscription price might make sense for a couple years, not one.

smayer97

ProGolfer said:

Isn't that the idea of a subscription product?

It's licensed to YOU.  And even though you can install it on as many computers as you'd like, and use as many Quicken data files as you'd like, it's still a one user subscription...and thus the ONE Quicken ID requirement.

EVERY other piece of software that I purchase a license for (Dropbox, Parallels, CleanMyMac...even Microsoft Office) is ONE user software.  And in the case of Parallels, CleanMyMac and Microsoft Office, they are also ONE computer per license. (MIcrosoft desktop version, not the subscription product---Mac AND Windows versions.)  

I think the restriction from a Quicken Inc standpoint is an important one.

It was way too easy in the past to download copies of Quicken and then distribute them.  You could unscrupulously hand out copies of the software to anyone you know...or even didn't know.  Counterfeit copies of Quicken were available all over the internet, including eBay.  All you had to do was burn a CD with the software on it or copy the download file to any media available and hand it out.   

By limiting the Quicken subscription to what's basically one user, Quicken will remove a lot of the illegal counterfeiting of it's software.  Sure, if you're best buddy wants a copy you can still give him the download...but you'll now have to give him YOUR Quicken ID too to match up with it.

Now, I know what everyone will be saying.  Well, my kids or my wife have their own data file...and they want to have access to their own credit score and sync their file with the mobile app.

And to that I would say...buy another subscription.  That's what subscriptions do.  It's one Quicken per one user.  

I suspect economies of scale are a factor.

smayer97

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Please elaborate as to what need you have that is not being met by one Quicken ID...

Unknown

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

I've been using Quicken for at least 20 years. My partner and I have had separate Quicken files for 17 years, on both Windows and Mac versions. I'm the only user—I maintain the finances for our household. However, we've always had separate Intuit/Quicken IDs, since we wanted to see our stock portfolios online separately and use mobile services separately. Others have clearly identified other use cases above, such as another family member under their care.

Before purchasing Quicken 2018, I could sync to my mobile device and see just my transactions. And my partner could sync only her accounts.

Yesterday, before purchasing Quicken 2018, I was able to download transactions for both our files. I'm now getting an error that I can only download transactions for files associated with this Quicken ID. This isn't even using Quicken Bill Pay—I'm using Direct Connect.

More importantly, Quicken is removing something that's been possible for 10 or 15 years. I thought we were past that with the Intuit split.

I'm okay with the subscription model, even though it doubles what I pay for Quicken. But I'm not okay with this sudden change to how we can structure and manage our personal data files. It gives me zero confidence that Quicken won't make other changes to further restrict our use of the product and extract more money from us.

miklk

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

smayer97: Read from the top of thread:

Even though you didn't really ask me, here are the main problems with the 1 QID 
(It is not a subscription problem but the way it is currently implemented)

There is a very big security and privacy concern by many that other household users can see billing info, credit score, and most important: you cannot use mobile at all unless you want other household users to have read/write access to your data file?
This is financial software and needs to be able to be used fully without these issues as people have been doing it for years..

Can you name any other financial software or website that actually encourages you to give your user name and password to another user...?

Many ways to fix this such as allow two or three IDs, offer a 2 or 3 ID subscription for increased cost, or fix the poor implementation of this by segregating data files by file password in mobile, store credit score and billing local . 

smayer97

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

@miklk Thx but I am aware of the issues and not arguing against them. Rather I was wanting Tom Parker to document his use case to identify if there were similar or different needs.

@Tom Parker thanks for clarifying.

miklk

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Thanks

Unknown

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Since Quicken locked the other thread, Rick, I’ll reply to your last comment here.


I won’t beat you up. I just fundamentally disagree with business models that assume your customers are all criminals. I’ve been buying Quicken for decades, so it’s pretty irritating.


The subscription right now seems a little bit too high. They previously forced upgrades by disabling online services after three years. Subscription pricing should have been equivalent to a 2-year upgrade cycle. Instead, they’ve forced you to pay annually for the software and don’t have the rate of improvement in the software to justify that.


Cloud services should have been decoupled from the QID. They could have prevented multiple copies of Quicken and limited access to Quicken Bill Pay without limiting access to mobile and Direct Connect.


The tiers are confusing. I bought Premier because it seemed like it was necessary to access online Bill Pay. I don’t use Quicken Bill Pay, just Direct Connect. But there is literally nothing else in Premier to justify an extra 50% cost.


Fundamental things are still missing. Support for ESPP, adjustable rate mortgages, and better matching interface on Mac. I didn’t mind when I could upgrade every two or three years. I had stopped looking for alternatives to Quicken. But now I’ll continue to look for something else.


I think these changes take loyal customers and turn them into people shopping for other solutions.

splasher

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

@Tom Parker
Not sure when you bought 2018, but if it is less than 30 days apply for a refund and purchase Deluxe. 

It will allow you to do bill pay via Quicken using your FI's bill pay system if they support it.

If you have done it that way in the past, it should still be applicable to the latest version.

Unknown

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Thanks! I’ll look into returning Premier. It sounds like I only need Deluxe if it supports Direct Connect.

splasher

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Premier just gets you more investing reports and analysis, free Quicken Bill Pay and Priority Support.

Quicken Jeff

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

All Tiers support Direct Connect and Direct Connect Bill Pay (i.e. your bank's bill pay--assuming it offers Direct Connect Bill Pay). 

You do *not* need Premier to use Bill Pay.

Premier and above just includes a subscription Quicken Bill Pay (for those that don't have a bank that supports Direct Connect Bill pay).

This goes for Windows and Mac.

splasher

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

@RickO I was speaking of Quicken for Windows only. 

My knowledge of what is in QM Premier is next to nothing.

Unknown

ProGolfer said:

Isn't that the idea of a subscription product?

It's licensed to YOU.  And even though you can install it on as many computers as you'd like, and use as many Quicken data files as you'd like, it's still a one user subscription...and thus the ONE Quicken ID requirement.

EVERY other piece of software that I purchase a license for (Dropbox, Parallels, CleanMyMac...even Microsoft Office) is ONE user software.  And in the case of Parallels, CleanMyMac and Microsoft Office, they are also ONE computer per license. (MIcrosoft desktop version, not the subscription product---Mac AND Windows versions.)  

I think the restriction from a Quicken Inc standpoint is an important one.

It was way too easy in the past to download copies of Quicken and then distribute them.  You could unscrupulously hand out copies of the software to anyone you know...or even didn't know.  Counterfeit copies of Quicken were available all over the internet, including eBay.  All you had to do was burn a CD with the software on it or copy the download file to any media available and hand it out.   

By limiting the Quicken subscription to what's basically one user, Quicken will remove a lot of the illegal counterfeiting of it's software.  Sure, if you're best buddy wants a copy you can still give him the download...but you'll now have to give him YOUR Quicken ID too to match up with it.

Now, I know what everyone will be saying.  Well, my kids or my wife have their own data file...and they want to have access to their own credit score and sync their file with the mobile app.

And to that I would say...buy another subscription.  That's what subscriptions do.  It's one Quicken per one user.  

Just put an optional second level password into the data files.  Then you will have the required security.  Why is this so complicated?  I have a $30 utility that does that and it's very easy to work with.  If you load a data file and don't enter the password, it's all blank.  Takes an extra 4 seconds to let go of the mouse and enter a simple password.

Whew!

Unknown

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

Quicken Kathryn - This is NOT in any way the NATURE of a subscription product.  It is just your own mistaken understanding of customer needs.  You can easily add a password function to the data files. 

Think about it and make it "Planned". 

[removed - speculation/rant]

splasher

ProGolfer said:

Isn't that the idea of a subscription product?

It's licensed to YOU.  And even though you can install it on as many computers as you'd like, and use as many Quicken data files as you'd like, it's still a one user subscription...and thus the ONE Quicken ID requirement.

EVERY other piece of software that I purchase a license for (Dropbox, Parallels, CleanMyMac...even Microsoft Office) is ONE user software.  And in the case of Parallels, CleanMyMac and Microsoft Office, they are also ONE computer per license. (MIcrosoft desktop version, not the subscription product---Mac AND Windows versions.)  

I think the restriction from a Quicken Inc standpoint is an important one.

It was way too easy in the past to download copies of Quicken and then distribute them.  You could unscrupulously hand out copies of the software to anyone you know...or even didn't know.  Counterfeit copies of Quicken were available all over the internet, including eBay.  All you had to do was burn a CD with the software on it or copy the download file to any media available and hand it out.   

By limiting the Quicken subscription to what's basically one user, Quicken will remove a lot of the illegal counterfeiting of it's software.  Sure, if you're best buddy wants a copy you can still give him the download...but you'll now have to give him YOUR Quicken ID too to match up with it.

Now, I know what everyone will be saying.  Well, my kids or my wife have their own data file...and they want to have access to their own credit score and sync their file with the mobile app.

And to that I would say...buy another subscription.  That's what subscriptions do.  It's one Quicken per one user.  

@Frank Douglas

Your utility may work for the desktop file, but it can not restrict access to the Quicken Cloud Account data utilized by QMobile which is where mshiggins real concern is, I believe.

Unknown

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

Unknown

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

That’s not a business. Tons of software companies figure this out. When I buy a car, I can use it however I want. When I buy Microsoft Office, I can type up a Word document for whomever I want.


I’ll just switch the owner of all the files I manage. But Quicken has moved back to being an unhappy customer who continues to look for better alternatives. I’m sure I’m not the only one.

miklk

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

I believe there are several options to fix this. The only option I see that doesn't work is the way they have it setup now.

Unknown

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

Right. They could only allow the free credit score on paid accounts. It could be another revenue stream, where you could purchase additional credit scores. Although even that seems short-sighted, as those are a gateway to additional revenue opportunities similar to Credit Karma.


Now, they see only my info, and can offer services only to me because they’ve tied this all to the subscription.

miklk

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

I agree credit score is the least important but it still should not be exposed to others. The mobile exposing the actual transactions and accounts is a lot worse.

Unknown

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

Tom Parker but this software is different in that with Word you type the document and give it to someone, you don’t let them sign onto your id to view it and everything else you did, nor do you get multiple ids with that Office program unless it is a corporate office program on a server and they are paying for so many ids. To meet your needs quicken should provide it with different pricing which opens up the option for multiple ids for those who need it.

Unknown

I am not sure why they don't allow an option for a discounted family plan with multiple accounts?

Unknown

Quicken Kathryn said:

Hi All,
Thank you for your feedback--to set proper expectations, for the time being, this one Quicken ID to many files will not change, as this is the nature of the subscription product; we do hear your feedback, but right now I'm marking this as Not Planned.  It's possible we'll revisit this, but it won't change in the near future.

Thanks,
Quicken Kathryn

I posted a closely related, if not identical topic here, and [Quicken?] Sona Mohan has strongly suggested that it's coming.  Possible that product management has changed their minds; also possible Ms. Mohan is mistaken.

Unknown

pbug56 said:

I have a few issues with the subscription.  First is that it nearly triples the cost of ownership for me - with one ID.  Plus this high cost ignores that so much is broken right now and that support is nearly non existent.  And since this mess started credit scores have not worked for lots of users - and no fix is in sight.

If someone is using Quicken for somebody else's financial matters I don't consider that something that requires a separate subscription if the software is only installed on one computer and the original purchaser is the only one using it.  I handle somebody else's financial matters with Quicken and have a separate data file for that person.

I have Quicken 2017 installed on only one computer.  I believe the 2017 version allows installing on two computers, but why bother having it in two places for myself.  I have two laptops so for software that allows it I will install on both if needed.  For Quicken I don't see a reason for it.  I tried it once then put the data file on OneDrive.  OneDrive kept changing the file name so it was problematic.  I uninstalled the other Quicken copy.

As for activation, deactivating software is usually not an option.  Most software doesn't have anywhere to deactivate in the software.  Adobe is one of the few that has it.  I think Quicken's version of deactivating is logging out of your Quicken account.  I wish when I have to reinstall it they would have an option to not have to register again.  Many times Windows 10 acts up and I have to reinstall.  Nobody takes that into consideration when sneaky updates behind our back cause problems.

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

I would check the license agreement for any version of Quicken you are using.  I'm not sure myself, but I think I saw somewhere for the 2017 version it could be installed on two computers.  However I believe it also says the two versions cannot be used at the same time.  One software company I know refers to it being like one book that can't be read by another person at the same time.

smayer97

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

2017 and earlier allow installing on up to 3 computers within the same household and can be used simultaneously, just not on the same data file. Installation is on an honour system.

(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

I didn't know it was three.  That's pretty generous of them.  I only see a need on one computer, but I can see families in the same household needing it if they use their own data file.  Now that Quicken has gone subscription only, they should offer a better deal for multiple users like Microsoft does for their Office software.

They also shouldn't have abandoned perpetual software.  Not everybody likes paying for software forever and end up owning nothing if they stop.  They got that from Adobe who did the same thing years ago when they dropped a bomb on us that the next version was going to be subscription.  This is a good way to lose customers and if nothing changes I can't see Quicken sticking around very long especially since it isn't exactly the type of software that should be subscription only.  History shows that updates/upgrades just don't justify it and these forums are proof of that.