It's not always. I have a quota set it and it saved me. A bad backup was filling up all of my space (it was backing up the back ups of the back ups... etc) and a qutoa is what let me know something was wrong. Without it I would have still found out a day or two later, but at the point everything would have been broken, … » 4/03/14 10:48am 4/03/14 10:48am

Ally actually has a kind of two factor auth. If you login from a weird place or a place you haven't logged in at before it is supposed to require a text or email code.
That said its not at every log in and you have almost zero control of when it does or doesn't request a code, so not true two factor. » 3/19/14 2:18pm 3/19/14 2:18pm