Skip to content
Sign in

Terms and Conditions

Last Updated: October 6, 2025

1. Acceptance of Terms

By accessing or using the Folio AI service, website, and applications (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

Folio AI provides portfolio management and investment tracking tools. The Service may include various features such as portfolio analytics, transaction tracking, and investment insights. We reserve the right to modify, suspend, or discontinue any part of the Service at any time.

3. User Accounts

To use certain features of the Service, you must register for an account. When you register, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. User Content

You retain ownership of any content you submit to the Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, copy, modify, create derivative works from, distribute, publicly display, and publicly perform your User Content in connection with providing and promoting the Service.

5. Acceptable Use and System Abuse

By accessing this website and using our Service, you agree to comply with all applicable laws and these Terms. You acknowledge that all activities on this website are monitored, logged, and recorded for security, fraud prevention, and legal purposes.

You expressly agree NOT to:

  • Use the Service for any illegal, fraudulent, or unauthorized purpose
  • Attempt to gain unauthorized access to any part of the Service, other accounts, computer systems, or networks
  • Interfere with, disrupt, or create an undue burden on the Service or servers connected to the Service
  • Upload, transmit, or distribute any viruses, malware, ransomware, or other harmful code
  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
  • Harvest, scrape, or collect information about other users without their explicit consent
  • Use automated systems (bots, scripts, crawlers) to access the Service without our prior written permission
  • Engage in any activity that constitutes harassment, abuse, stalking, threats, or defamation
  • Reverse engineer, decompile, or disassemble any part of our Service
  • Attempt to bypass any security measures or access controls
  • Use the Service to transmit spam, chain letters, or other unsolicited communications
  • Violate any applicable local, state, national, or international law

6. Monitoring and Enforcement

We reserve the right, but not the obligation, to:

  • Monitor and record all activities on our website and Service
  • Investigate any suspected violations of these Terms
  • Remove or disable access to any content that violates these Terms
  • Suspend or terminate accounts of users who violate these Terms
  • Report any suspected illegal activity to law enforcement authorities
  • Cooperate fully with any law enforcement investigation
  • Take any other action we deem appropriate to protect our rights and the rights of others

7. Legal Consequences and Recourse

VIOLATION OF THESE TERMS MAY RESULT IN CIVIL AND/OR CRIMINAL LIABILITY.

By using this Service, you acknowledge and agree that:

  • Any unauthorized access or use of the Service may constitute a violation of computer fraud and abuse laws
  • We maintain comprehensive logs, records, and evidence of all user activities
  • We reserve the right to pursue all available legal remedies against users who violate these Terms, including but not limited to:
    • Seeking injunctive relief to prevent further violations
    • Pursuing monetary damages for any harm caused
    • Reporting violations to law enforcement authorities
    • Cooperating with criminal investigations and prosecutions
    • Taking legal action to recover costs, attorney fees, and other damages
  • You will be held personally liable for any damages resulting from your violation of these Terms
  • You consent to the collection and preservation of evidence related to your use of the Service
  • You agree to indemnify and hold harmless Folio AI from any claims arising from your violation of these Terms
  • Any prior agreements, confidentiality obligations, or contractual relationships with Folio AI remain in full force and effect

8. Cookie Policy and Consent

By using this website, you consent to our use of cookies and similar tracking technologies. These technologies are used to:

  • Monitor and log user activities for security purposes
  • Track user preferences and improve user experience
  • Analyze website traffic and usage patterns
  • Detect and prevent fraud and unauthorized access
  • Maintain records for legal and compliance purposes

Your acceptance of our cookie policy is required to use this Service. If you do not agree, please do not use our website.

9. Intellectual Property

The Service and its original content, features, and functionality are owned by Folio AI and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, create derivative works from, publicly display, publicly perform, republish, or transmit any material from the Service without our prior written consent.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FOLIO AI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.

12. Changes to Terms

We reserve the right to modify these Terms at any time. If we make changes, we will provide notice by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which we operate, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts in that jurisdiction for any disputes arising from or related to these Terms or your use of the Service.

14. Contact Information

If you have any questions about these Terms, please contact us at:

support@folioai.com