Terms of Service

1. Acceptance of Terms

By accessing or using the FOLIO website, submitting information through our forms, or otherwise engaging with the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Service.

2. Description of Service

FOLIO provides informational content, liquidity and risk modelling concepts, and related analytical materials intended to support internal decision-making processes for businesses and investors. The Service is presented for general informational purposes only and does not constitute financial, investment, legal, tax, or accounting advice of any kind. Any output, estimate, or analysis referenced on this site should be independently verified before being relied upon.

3. No Professional Advice or Guarantee

Nothing on this website constitutes a recommendation to enter into any transaction, allocate capital, extend credit, or make any financial decision. FOLIO makes no representation or warranty, express or implied, as to the accuracy, completeness, timeliness, or suitability of any information presented. Users remain solely responsible for any decisions made in connection with their use of the Service and are encouraged to consult qualified professional advisors where appropriate.

4. Eligibility and Acceptable Use

By using the Service, you represent that you have the legal capacity to enter into these Terms. You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable regulations;
• Attempt to gain unauthorized access to the website, servers, or associated systems;
• Reproduce, resell, or redistribute content from the Service without prior written consent;
• Interfere with the normal operation of the Service through automated scraping, overload, or similar means;
• Submit false, misleading, or fraudulent information through any contact or lead form.

5. Intellectual Property

All text, graphics, logos, diagrams, and other materials made available through the Service are the property of FOLIO or its licensors and are protected by applicable intellectual property laws, unless otherwise indicated. No license or right is granted to use any FOLIO trademark, trade name, or branding element without prior written authorization.

6. Submitted Information

Where you submit information through a contact form, lead form, or similar mechanism, you agree that the information provided is accurate to the best of your knowledge and that FOLIO may use it to respond to your inquiry or provide the requested materials, consistent with our Privacy Policy. Submission of information does not create any advisory, fiduciary, or contractual relationship beyond what is explicitly agreed in writing.

7. Third-Party Links and Content

The Service may reference or link to third-party websites, tools, or resources that are not owned or controlled by FOLIO. We are not responsible for the content, accuracy, or practices of any third-party site, and inclusion of any such reference does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by applicable law, FOLIO and its representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising out of or in connection with your access to or use of the Service, even if advised of the possibility of such damages. The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.

9. Indemnification

You agree to indemnify and hold FOLIO harmless from any claims, damages, liabilities, costs, or expenses arising from your misuse of the Service, violation of these Terms, or infringement of any third-party right.

10. Modifications to the Service and Terms

FOLIO reserves the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms periodically; continued use of the Service following any changes constitutes acceptance of the revised Terms. We encourage users to review this page periodically.

11. Termination

We reserve the right to restrict or terminate access to the Service, in whole or in part, for any user who violates these Terms or engages in conduct we reasonably consider harmful to the Service or other users.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable to the jurisdiction in which FOLIO operates, without regard to conflict-of-law principles. This section is a general placeholder and should be finalized based on the specific legal jurisdiction relevant to FOLIO's operations.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact

Questions regarding these Terms may be directed to FOLIO through the contact details provided in the website footer.