Terms of Service

1. Agreement to Terms

By accessing or using Folio, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Use License

Permission is granted to use Folio for personal and commercial purposes under the following conditions:

• You must not modify or copy the service's core materials
• You must not use the service for any illegal or unauthorized purpose
• You must not attempt to decompile or reverse engineer any software contained in Folio
• You must not remove any copyright or other proprietary notations from the service

3. User Accounts

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account and password
• Restricting access to your computer and account
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account

4. User Content

You retain all rights to the content you create, upload, or share on Folio. By posting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content solely for the purpose of operating and improving the service.

You are solely responsible for your content and warrant that:

• You own or have the necessary rights to the content you post
• Your content does not violate any third-party rights
• Your content does not contain unlawful, harmful, or offensive material
• Your content does not violate any applicable laws or regulations

5. Prohibited Uses

You agree not to use Folio:

• For any unlawful purpose or to solicit others to perform or participate in any unlawful acts
• To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To spam, phish, or engage in any automated use of the system
• To interfere with or circumvent the security features of the service

6. Service Availability

We reserve the right to withdraw or amend our service, and any service or material we provide, in our sole discretion without notice. We will not be liable if for any reason all or any part of the service is unavailable at any time or for any period.

7. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Folio and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.

8. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the service will immediately cease.

9. Limitation of Liability

In no event shall Folio, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.

10. Disclaimer

Your use of the service is at your sole risk. The service is provided on an "AS IS" and "AS AVAILABLE" basis. The service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

11. Governing Law

These Terms shall be governed and construed in accordance with applicable laws, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

13. Contact Us

If you have any questions about these Terms, please contact us through our website.