rateLimits:
  description: >-
    Simplifi by Quicken does not expose a public developer API with documented
    rate limits. The platform's connectivity is consumer-facing and operates
    through internal OAuth connections to financial institutions and purpose-
    built biller APIs. The following limits reflect known platform behaviors
    for the consumer application.
  url: https://support.simplifi.quicken.com/en/articles/5538663-how-often-does-quicken-simplifi-update-my-accounts
  limits:
    - name: Account Data Refresh
      description: >-
        Financial account balances and transactions are refreshed automatically
        when a user signs into Simplifi. New transactions and balances are
        downloaded from financial institutions every 4 to 6 hours.
      interval: "4-6 hours"
      scope: "per account"

    - name: Scheduled Sync Window
      description: >-
        For OAuth-connected accounts, data updates typically occur nightly
        outside business hours to minimize disruption and respect bank API
        rate policies.
      interval: "nightly"
      scope: "platform-wide"

    - name: Financial Institution Coverage
      description: >-
        Simplifi connects to over 14,000 financial institutions. Individual
        institution API policies may impose their own constraints on data
        freshness and transaction history depth.
      limit: "14,000+ institutions supported"
      scope: "platform"

  notes:
    - Simplifi does not publish a public API with rate limit documentation.
    - No developer API keys or quota tiers are available to third parties.
    - Data access constraints vary by financial institution and their own
      OAuth API policies.
    - Pending transaction support varies by institution; some banks such as
      USAA, Capital One, and PNC do not support pending transactions via
      their APIs.