Privacy Policy

1. Introduction

FOLIO ("we", "us", or "our") provides AI-driven liquidity intelligence tools and related services (the "Service"). We respect the privacy of visitors to our website and users of our Service, and we are committed to protecting any personal data shared with us. This Policy describes the categories of information we may collect, how we use it, who we may share it with, and the choices available to you.

By accessing or using our website or Service, you acknowledge that you have read and understood this Policy. If you do not agree with the practices described here, please do not use our website or Service.

2. Information We Collect

We may collect the following general categories of information, depending on how you interact with us:

Information you provide directly: such as your name, business name, email address, phone number, and any details you submit through contact forms, lead forms, or account registration ("Start Analysis" requests).

Information collected automatically: such as IP address, browser type, device identifiers, pages visited, referring URLs, and timestamps, typically gathered through cookies, log files, and similar tracking technologies.

Information from third parties: such as data obtained from analytics providers, payment processors, or publicly available business registries, where applicable to delivering our Service.

3. How We Use Information

We may use the information we collect for purposes including:

— Operating, maintaining, and improving our website and Service;

— Responding to inquiries, support requests, and lead form submissions;

— Providing analysis, modelling, or reporting features you have requested;

— Communicating with you about updates, offers, or administrative matters;

— Monitoring usage patterns and diagnosing technical issues;

— Complying with legal obligations and enforcing our terms.

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, our legitimate interests in operating and improving our business, and compliance with legal obligations. Where we rely on consent, you may withdraw it at any time, as described in Section 9 below.

5. Cookies and Similar Technologies

Our website may use cookies, pixels, and similar technologies to recognize your browser, remember preferences, and analyze site traffic. You can usually configure your browser to refuse cookies or alert you when cookies are being sent. Disabling cookies may affect certain features of our website.

6. Sharing of Information

We do not sell personal information. We may share information with:

Service providers who perform functions on our behalf, such as hosting, analytics, email delivery, or customer support, under confidentiality and data-processing obligations;

Professional advisors such as legal, accounting, or compliance consultants where necessary;

Authorities where disclosure is required by law, regulation, legal process, or governmental request;

Successors in connection with a merger, acquisition, financing, or sale of assets, subject to continued protection of your information.

7. Data Retention

We retain personal information for as long as necessary to fulfil the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. Criteria used to determine retention periods include the duration of our ongoing relationship with you, legal obligations, and applicable statutes of limitation.

8. Data Security

We implement reasonable technical and organizational measures designed to protect information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, update, delete, or restrict the use of your personal information, to object to certain processing, to data portability, and to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us using the details provided in Section 13. We may need to verify your identity before responding to your request.

10. International Data Transfers

If we transfer personal information across borders, we will take appropriate steps to ensure such transfers comply with applicable data protection laws, including the use of appropriate contractual safeguards where required.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

Our website and Service are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such information, we will take steps to delete it.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the information provided on our website's Contact or About page.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will revise the "Last updated" date at the top of this page when changes are made. We encourage you to review this Policy periodically.