Terms of Service

1 · Accepting these terms

These Terms of Service (“Terms”) are an agreement between you and Folka (“Folka”, “we”, “us”). By accessing or using folka.io and its features (the “Service”), you agree to these Terms. If you do not agree, do not use the Service. If you use the Service on behalf of an organisation, you confirm you are authorised to bind that organisation.

2 · What Folka provides

Folka is a neutral signal-tracking service. It surfaces early, evidenced observations about how AI is reshaping culture and consumer behaviour, lets you tune a Terminal to your product or industry, ask questions through Ask Folka, and generate briefs. Folka surfaces evidence to inform your own judgement; it does not make decisions for you.

3 · Accounts

Some features require an account. You agree to give accurate information, to keep your credentials confidential, and to be responsible for activity under your account. Tell us promptly at hello@folka.io if you suspect unauthorised use.

4 · Plans, passes, and payment

• Some parts of the Service are free; others require a paid pass or subscription. The current options and prices are shown on the Subscribe page.
• Fees are charged through our third-party payment processor. By purchasing, you authorise us to charge your chosen payment method.
• Subscriptions renew automatically for the stated period unless you cancel before the renewal date. You can cancel at any time; access continues until the end of the paid period.
• Except where the law requires otherwise, payments are non-refundable. Prices may change; we will give notice before a change affects you.

5 · Acceptable use

You agree not to:

• break the law or infringe anyone’s rights when using the Service;
• copy, scrape, resell, or redistribute the signals, briefs, or other content except as expressly allowed;
• attempt to access the Service in ways we have not authorised, including probing, disrupting, or overloading it;
• reverse-engineer the Service or use it to build a competing product;
• misuse Ask Folka to generate unlawful, harmful, or deceptive content.

6 · Intellectual property

The Service, including the corpus of signals, the briefs template, the software, design, and brand, is owned by Folka or its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your own internal business or personal purposes, subject to these Terms. All rights not expressly granted are reserved.

7 · Your content

You keep ownership of the questions, product details, and other content you submit (“Your Content”). You grant Folka a licence to host, process, and use Your Content to operate and improve the Service and to provide it back to you (for example, generating a brief). You are responsible for Your Content and confirm you have the rights to submit it.

8 · The nature of the service

Folka provides information and analysis, not professional, legal, financial, or investment advice. Signals and briefs are informed reads on emerging change, not guarantees of outcomes. Ask Folka is generated with the help of AI and can be incomplete or wrong. You are responsible for the decisions you make; always verify anything important against the cited sources.

9 · Third-party services

The Service relies on third parties (for example, hosting, AI processing, and payments) and may link to external sites. We are not responsible for third-party services or content, which are governed by their own terms.

10 · Disclaimers

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy, and non-infringement, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or secure.

11 · Limitation of liability

To the fullest extent permitted by law, Folka will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us in the twelve months before the claim, or, if you paid nothing, one hundred (100) units of your local currency. Nothing in these Terms excludes liability that cannot be excluded by law.

12 · Suspension and termination

You may stop using the Service and close your account at any time. We may suspend or end your access if you breach these Terms or if we reasonably need to protect the Service or other users. Provisions that by their nature should survive termination (such as intellectual property, disclaimers, and limitation of liability) will survive.

13 · Changes to the service and terms

We may change or discontinue parts of the Service, and we may update these Terms. When we make material changes to the Terms, we will update the “Last updated” date and give notice through the site or by email. Continuing to use the Service after changes take effect means you accept the updated Terms.

14 · Governing law

These Terms are governed by the laws of India, without regard to conflict-of-law rules, and the courts of Mumbai, Maharashtra will have exclusive jurisdiction over any dispute, except where mandatory local law gives you other rights.

15 · Contact

Questions about these Terms? Email hello@folka.io.