Terms of Service

1. The agreement

These terms are a contract between you and Froli Ltd (company number 17409426), trading as Folio, registered at 5 Percy Drive, St. Albans, United Kingdom, AL2 3FU. In these terms, “Folio”, “we” and “us” mean that company; “you” means you.

By creating an account, or by using any part of the Folio website or application, you agree to these terms and to our Privacy Policy. If you do not agree, do not use Folio.

2. Who can use Folio

• You must be at least 18.
• You must be using Folio for your business or professional activity as a creator — Folio is a business tool.
• If you agree to these terms for a company, you confirm you have authority to bind it, and “you” means that company.
• You must not be barred from receiving our services under applicable sanctions or export law.

3. Your account

• Give accurate details and keep them current.
• Keep your login credentials secure. You are responsible for activity under your account.
• One account per person. Do not share logins — if you need a second seat, talk to us.
• Tell us promptly at support@folioandkit.com if you think your account has been compromised.

4. Plans and what you get

Folio is offered on the plans set out on our pricing page.

The pricing page is the authoritative description of what each plan includes, and it may change — see §13. Prices are in pounds sterling and include VAT where applicable.

Fair use: paid plans described as “unlimited” are for normal individual creator use. We may contact you if usage is wildly out of step with that — for instance automated bulk generation — and ask you to stop.

5. Billing

• Payments are processed by Stripe. By subscribing you also accept Stripe's terms.
• Subscriptions renew automatically — monthly plans each month, annual plans each year — until you cancel.
• We charge the payment method on file on each renewal date. We will email you a receipt.
• If a payment fails we will retry and email you. If it keeps failing we may downgrade your account to Free. Your data stays; features gated to a paid plan stop.
• If we change the price of your plan we will give you at least 30 days' notice by email before it applies to you, and you can cancel before it takes effect.
• You are responsible for any taxes on your own income. Folio is not your accountant.

6. Your content

You own your content. Your profile, rate cards, deals, contracts, invoices, media kits, uploaded files and messages to Kit remain yours. We claim no ownership of them.

You grant us a limited, worldwide, royalty-free licence to host, store, copy, transmit, display and process your content only to the extent needed to provide Folio to you — which includes sending relevant parts to our AI providers when you use Kit, and showing your public media kit at /kit/[your-slug] if you publish one. This licence ends when you delete the content or your account.

You confirm that:

• You have the rights to the content you upload.
• Where your content contains other people's personal data — a brand contact, a signatory — you have a proper basis for putting it into Folio. For that data you are the controller and we are your processor, as set out in the Privacy Policy, §5.
• You will not upload anything you are contractually barred from disclosing. If a brand contract has a confidentiality clause covering your fee, that is between you and them — check before you share it anywhere.

Publishing a media kit. A published media kit at /kit/[slug] is public and indexable by search engines. Only put in it what you are happy for anyone to see. You can unpublish it at any time, though cached copies may persist elsewhere for a while.

7. Acceptable use

Do not use Folio to:

• Break the law, or help anyone else to.
• Infringe anyone's intellectual property, privacy or confidentiality.
• Send spam, bulk unsolicited pitches, or anything that would breach PECR or equivalent marketing rules.
• Create documents intended to deceive — fake invoices, forged signatures, fabricated performance figures in a media kit.
• Upload malware, or attempt to probe, scan, overload or circumvent our security or rate limits.
• Scrape, resell, sublicense or white-label Folio, or use it to build a competing product.
• Use automated means to generate content at a volume no individual creator would plausibly need.
• Harass anyone, or upload abusive or unlawful material.

We may remove content or suspend accounts that breach this section — see §15.

8. Kit AI and its output

Kit is an AI assistant. It analyses rates, scans contracts for risk terms, drafts negotiation and chasing emails, checks captions against advertising disclosure rules, writes media kit copy and answers questions. Read this section properly — it is the one that matters most.

8.1 Kit is not a professional adviser

Kit's output is information and suggestion, not advice. Specifically, and without limitation, Kit does not provide:

• Legal advice.The contract red-flag scanner and the contract generator are drafting aids. They are not a solicitor's review and they will miss things.
• Financial or investment advice. Rate intelligence is an estimate based on your data and general market patterns. It is not a valuation and not a guarantee of what you can charge.
• Tax or accounting advice. Anything Kit says about tax, VAT, allowances or thresholds is general information. Use an accountant.
• Regulatory clearance. The ASA/FTC compliance checker helps you spot obvious disclosure problems. A pass from Kit is not approval by the ASA, the CMA, the FTC or anyone else, and you remain solely responsible for the compliance of everything you publish.

8.2 Kit can be wrong

Large language models produce confident, fluent output that is sometimes factually incorrect. Rates may be off. A contract clause may be misread. A legal reference may be wrong or invented. Check anything Kit produces before you rely on it, send it to a brand, or sign it. You are responsible for what you do with Kit's output. We are not liable for decisions you make on the basis of it, to the extent the law allows us to say so.

8.3 Output and ownership

As between you and us, you own the output Kit generates for you and can use it commercially. AI output is not unique — similar prompts produce similar results for other users — so we cannot promise it is original or that you can claim exclusive rights in it. Output is generated by third-party models and is also subject to those providers' terms.

8.4 How we handle data sent to Kit

See the Privacy Policy, §4. In short: only relevant data is sent, our providers do not train on it, and we do not either.

8.5 Availability

Kit depends on third-party AI providers. If they are down or rate-limit us, Kit features may be unavailable or slow. We may change the underlying model at any time to improve quality, speed or cost.

9. Contracts and e-signatures

This section is important if you use the contract features.

• We are not a party to any contract you make with a brand. Folio provides the tooling; the agreement is between you and them.
• Templates are starting points.Folio's generated contracts are general templates for UK creator work. They are not drafted for your situation, your jurisdiction or your specific deal. For anything significant, have a solicitor look at it.
• E-signature.Folio's signing flow records the signatory's name, email, timestamp and IP address. Electronic signatures are generally valid in England and Wales, but we make no representation that any particular signed document is valid, enforceable or admissible in any jurisdiction, or that it meets any specific formality your deal requires.
• Keep your own copies. Download signed contracts and store them somewhere that is not only Folio.
• We are not responsible for a brand disputing a signature, refusing to honour a contract, or performing badly.

10. Invoices and payments between you and brands

• Folio helps you create, send and track invoices. It does not process those payments — money from a brand goes directly to you.
• We are not a payment service, a debt collector or an escrow agent, and we are not responsible if a brand pays late or never.
• Invoice reminders are a convenience. We do not guarantee delivery, and you should not rely solely on Folio to chase money you are owed.
• You are responsible for the accuracy of every invoice you send, and for your own VAT and tax obligations.

11. Cancelling and refunds

Cancelling

Cancel any time from Settings → Billing, which opens the Stripe customer portal. There is no phone call and no retention gauntlet. Your paid features continue until the end of the period you have already paid for, then the account drops to Free. Your data stays unless you delete it.

Your statutory cancellation right

If you are a consumer in the UK or EU, you have a legal right to cancel a distance contract within 14 days of it being made. By subscribing and getting immediate access, you ask us to start supplying straight away and acknowledge you may lose that right once supply has begun.

Our refund position, which is more generous than that

We would rather you were not stuck paying for something you do not want:

• Within 14 days of your first payment — email support@folioandkit.com and we will refund you in full, no questions.
• Annual plans — if you cancel in the first 30 days, we will refund you in full.
• Charged by mistake, or Folio was materially broken for a sustained period — tell us and we will make it right.

Outside those cases we do not generally refund part-used periods, but ask anyway. Nothing here affects your statutory rights under the Consumer Rights Act 2015.

Deleting your account

Cancelling a subscription is not the same as deleting your data. To delete everything, follow Privacy Policy §11.

12. Our intellectual property

Folio, Kit, the name, the logo, the interface, the templates, the underlying software and everything else we made are owned by us or our licensors and protected by intellectual property law. These terms give you a limited, personal, non-exclusive, non-transferable, revocable right to use Folio while your account is in good standing. Nothing more transfers to you.

You may use documents generated for you — contracts, media kits, invoices, pitches — freely in your own business. You may not extract our templates or prompts to build or train a competing product.

Feedback is welcome and, if you send it, we may use it without obligation or payment.

13. Availability and changes

• Folio is provided “as is”. We do not promise it will be uninterrupted, error-free, or that it will meet every requirement you have.
• We do not offer a contractual uptime guarantee on any plan. We work hard on it anyway.
• We may change, add or remove features. If we remove something material from your paid plan, we will give you 30 days' notice and you may cancel for a pro-rata refund of the unused period.
• We may update these terms. We will post the new version here with a new date and, for material changes, email you at least 14 days before they take effect. Continuing to use Folio after that means you accept them.
• Maintenance may take Folio offline occasionally. We will give notice where we can.

14. Liability

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited — including your statutory rights as a consumer under the Consumer Rights Act 2015.

Subject to that:

• We are not liable for loss of profit, loss of business, loss of anticipated savings, loss of opportunity, loss of goodwill, or any indirect or consequential loss.
• We are not liable for loss or corruption of data, though we take reasonable steps to prevent it. Keep your own backups of anything important.
• We are not liable for decisions you make on the basis of Kit's output (§8), for the enforceability of documents created through Folio (§9), or for the conduct of any brand you deal with.
• Our total liability to you for all claims in any 12-month period is limited to the greater of (a) the total fees you paid us in the 12 months before the claim arose, and (b) £100.
• If you use Folio for business purposes, we are not liable to you for any business losses, and the exclusions above apply in full.

You agree to indemnify us against claims arising from your content, your use of Folio in breach of these terms, or your dealings with any brand.

15. Suspension and termination

You can stop using Folio at any time by cancelling and, if you want, deleting your account.

We may suspend or terminate your account if you materially breach these terms, if we are required to by law, if your payments fail repeatedly, or if your use puts the service or other users at risk. Except where the breach is serious or we are legally prevented, we will warn you first and give you a chance to fix it.

On termination your right to use Folio ends. We will give you a reasonable opportunity to export your data unless the law or the circumstances prevent it. Sections that by their nature should survive — content licences already granted, IP, liability, indemnity, governing law — survive.

16. General

• Whole agreement. These terms and the Privacy Policy are the entire agreement between us about Folio.
• Severability. If a provision is unenforceable, the rest continues.
• No waiver. If we do not enforce something immediately, we have not given up the right to.
• Assignment. You may not transfer your rights without our consent. We may assign these terms to a successor in a merger or acquisition.
• Third parties. Nobody other than you and us has rights under these terms.
• Events beyond our control. We are not liable for failures caused by things we cannot reasonably control, including third-party outages.
• Notices. We will email the address on your account. You should write to legal@folioandkit.com.

17. Governing law

These terms are governed by the law of England and Wales, and disputes will be dealt with by the courts of England and Wales.

If you are a consumer resident elsewhere in the UK or in the EU, you keep the benefit of any mandatory consumer protections of your home country and may bring proceedings there.