Last updated: 18 February 2026
1. Acceptance of Terms
By accessing or using folio ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. These terms apply to all users, including visitors, registered users, and administrators.
2. Description of Service
folio is a personal investment portfolio tracking application. The Service allows users to record transactions, track holdings, view valuations, and monitor dividend income. The Service is provided for informational and tracking purposes only and does not constitute financial advice.
3. Not Financial Advice
Nothing contained within this Service constitutes financial, investment, legal, or tax advice. All information presented is for informational purposes only. You should consult a qualified financial adviser before making any investment decisions. We accept no liability for any investment losses incurred as a result of using this Service.
4. Account Registration
To access the full Service, you must register for an account. You agree to provide accurate and complete information during registration and to keep your account credentials secure. You are responsible for all activity that occurs under your account. You must be at least 18 years of age to register.
5. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of any regulations
- Attempt to gain unauthorised access to any part of the Service or its infrastructure
- Upload or transmit malicious code or disrupt the Service's operation
- Scrape, crawl, or systematically extract data from the Service
- Impersonate another person or misrepresent your identity
6. Data and Privacy
Your use of the Service is also governed by our Privacy Policy, which is incorporated by reference into these Terms. By using the Service, you consent to the processing of your data as described therein.
7. Third-Party Data Sources
Price data, dividend information, and other market data are sourced from third-party providers. We do not guarantee the accuracy, completeness, or timeliness of such data. All market data is provided "as is" without warranty of any kind.
8. Intellectual Property
The Service and its original content, features, and functionality are owned by us and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you paid to use the Service in the twelve months preceding the claim.
10. Termination
We reserve the right to suspend or terminate your account at any time if you breach these Terms, or at our discretion with reasonable notice. You may delete your account at any time by contacting us.
11. Changes to Terms
We may update these Terms from time to time. We will notify registered users of material changes via email or a notice within the Service. Continued use after changes constitutes acceptance of the revised Terms.
12. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Contact
If you have questions about these Terms, please contact us.