Terms ofservice.

These Terms are the agreement between you and OneFolio LLC, a California limited liability company (“OneFolio,” “we,” “us”), when you use our app to connect financial accounts, see your money in one place, run scenarios, and read insights. By creating an account or using OneFolio you agree to these Terms and our Privacy Policy.

We connect to your bank, brokerage, and credit-card accounts through Plaid, a third-party data network. Plaid’s relationship with you is governed by Plaid’s own End User Privacy Policy, which you accept when you first link an account.

You must be at least 18 years old and a resident of the United States to use OneFolio. You’re responsible for the security of your login credentials and for everything that happens under your account. Notify us immediately at admin@1folio.ai if you suspect unauthorized access.

You may use OneFolio only for your own personal financial planning. You may not use it on behalf of someone else without their knowledge and consent, and you may not use it to perform any task that would qualify as a regulated financial-advice activity under federal or state law.

When you choose to connect a bank, brokerage, or credit card, you’re directed to Plaid Inc., our financial-data network partner. You authenticate directly with Plaid (or through Plaid with your financial institution); we never see your bank login credentials. Plaid then returns to OneFolio the categories of data you authorize.

Categories of data we receive through Plaid:

• Account information: institution, account name, account type, last four digits of the account number, and current/available balances.
• Transactions: date, amount, merchant name, raw description, and category. We receive up to 90 days of past transactions when you connect, then new ones as they post. For investment accounts we receive up to 2 years of past investment transactions. Your institution may provide less.
• Recurring transactions: Plaid’s detected list of subscriptions, bills, and other recurring activity.
• Liabilities: for credit cards, mortgages, and student loans we receive APR, statement balance, due date, and minimum-payment information.
• Investments: holdings (symbol, quantity, market value) and investment transactions on connected brokerage accounts.
• Enriched merchant data: Plaid’s normalized merchant names and logos.

You can review these connections and disconnect any institution at any time in Settings → Accounts. Disconnecting an institution revokes our Plaid access to it and deletes that institution’s accounts, transactions, balances, statements and liabilities from OneFolio at once.

You can also revoke Plaid’s authorization directly through Plaid’s consumer dashboard at my.plaid.com, which lists every app you’ve granted access to via Plaid. When Plaid tells us you revoked OneFolio’s access there, we delete the same data.

We use your account, transaction, liability, and investment data to provide the OneFolio service to you: net-worth tracking, spending breakdowns, budgets, debt-payoff plans, savings goals, AI-grounded insights, and credit-card recommendations. We do not sell or rent your data to anyone, ever, full stop. This includes aggregated, anonymized, or de-identified data.

We use a small set of infrastructure providers to operate the service: Plaid (financial data network), Anthropic (Claude, the AI model that runs every AI feature in OneFolio today, including those that run in the background on your data, and receives prompts containing the data each one needs), Stripe (subscription billing), Sentry (error and performance monitoring), and providers for encrypted database hosting, application hosting, rate limiting and transactional email. We may also use Google’s Gemini AI model for some of those features, only under Google’s paid terms, which bar Google from using the data to improve its products; Gemini is switched off today and receives none of your data. We require our providers to protect your data under their terms. Our Privacy Policy says what each one receives.

We do not show you ads, and we do not use your transaction data to target ads. The credit-card recommendations you see are ranked by what we estimate is the best net value to you given your actual spending. See our Affiliate Disclosure for the full breakdown of how recommendations work.

Plaid is not a “consumer reporting agency” under the Fair Credit Reporting Act (FCRA), and the data we receive from Plaid is not a “consumer report.” We will never use it (and we forbid you from using it) for any FCRA-covered purpose, including credit, insurance, employment, housing, or government-benefit eligibility decisions.

OneFolio is a software tool, not a financial advisor, broker-dealer, lender, accountant, or tax professional. The insights, payoff plans, and recommendations we produce are informational. You are responsible for your own financial decisions, and you should consult a licensed professional for advice specific to your situation.

We connect to financial institutions exclusively through Plaid and other authorized API channels. We do not collect or store your bank login credentials, and we do not screen-scrape data from financial institutions. If you ever encounter a flow inside OneFolio that asks for a bank password directly, that is a bug or a phishing attempt: close it and email us at admin@1folio.ai.

We will not disclose, transfer, syndicate, or otherwise share your financial-institution data with any third party except (i) the infrastructure providers listed in §3, (ii) where you explicitly direct us to in-app, or (iii) where required by law or court order with notice to you to the extent we’re legally permitted to give it.

OneFolio does not charge you any fee that’s attributable to a financial institution for access to your data or for the use of your account at that institution. Our subscription pricing is for the OneFolio software itself; the data connectivity is built into that price.

We don’t imply a partnership with, sponsorship by, or other relationship with your bank, brokerage, or credit-card issuer just because we can read your data through Plaid. Mentioning “Chase,” “Vanguard,” etc. on the platform is descriptive, not endorsing.

At any time you can:

• Disconnect any connected institution from Settings → Accounts. This revokes our Plaid access to it and deletes that institution’s accounts, transactions, balances, statements and liabilities from OneFolio at once.
• Download your data from Settings → Privacy → Download my data: your transactions, accounts, budgets and goals as CSV files in one zip file, on every plan.
• Delete all data from Settings → Privacy → Delete all data. This removes all your financial data and keeps your login, settings and subscription.
• Delete your account from Settings → Privacy → Delete account. This disconnects every bank at Plaid, cancels any subscription immediately with no refund, deletes your data from our active systems at once, and deletes your login. Copies may remain in encrypted backups for up to 90 days before they roll off. We keep a record that you accepted these Terms and a record of each auto-renewal disclosure you agreed to at checkout, each with its link to your account removed. Stripe keeps your billing and invoice records, as tax and accounting law requires, and your customer record with the details we attached to your subscription at checkout, which our Privacy Policy lists. Security audit logs about your account are deleted with it.
• Revoke any specific consent you previously granted by emailing admin@1folio.ai. We honor revocations within 5 business days and confirm in writing.

California residents have additional rights under the California Consumer Privacy Act (CCPA) including the right to know, the right to delete, and the right to non-discrimination for exercising those rights. See our Privacy Policy for the full statement and how to exercise those rights.

We maintain a written information-security program designed to (i) protect the confidentiality and integrity of your data, (ii) protect against unauthorized access, and (iii) ensure proper disposal of data we no longer need. Our controls map to industry standards (we use AICPA Trust Services Criteria + NIST 800-53 as our reference frameworks). Data at rest is encrypted; data in transit uses TLS.

In the unlikely event of a security incident affecting your data, we will notify you without undue delay, within the timeframes required by applicable state and federal law, and in any case as soon as we have a meaningful description of what happened, what data was affected, and what we’re doing about it. We’ll also notify Plaid within 12 hours per our contractual obligation to them.

OneFolio offers tiered subscriptions, billed monthly or annually, described on our pricing page. Starting a subscription, including an annual plan’s free trial, requires a payment method, such as a credit or debit card.

Monthly plans are charged when you complete checkout and renew every month.

Annual plans start with a 14-day free trial, and you are not charged at checkout. We charge the payment method you entered the annual price when the trial ends, 14 days after you start: $79.00 for Folio, $129.00 for Essential or $249.00 for Core. The plan then renews every year at that price. Cancel before the trial ends and you are never charged. We email you a reminder at the address on your account in the two days before your trial ends. The free trial applies to a new annual subscription started at checkout; switching an existing subscription to annual from Settings → Billing is charged at once, prorated, with no free trial.

Subscriptions renew automatically at the end of each billing period until you cancel from Settings → Billing. You may cancel at any time and keep access through the end of the period you paid for. Payments are not refunded once charged, including the first annual charge when a free trial ends, and we do not provide prorated refunds for partial periods. Deleting your account cancels your subscription at once, with no refund.

If a payment fails, we retry your payment method over the following days and you keep access meanwhile. If the last retry fails, your subscription is canceled. Update your payment method in Settings → Billing.

Prices are in US dollars. We do not add sales tax at checkout today; if that changes we will tell you at least 30 days before it applies to your renewal.

We may change prices for new subscriptions at any time. Existing subscriptions are honored at the price you signed up at until you change tier or your subscription lapses.

Core includes unlimited conversations with Folio and unlimited verdicts. Unlimited applies to your own personal use, on your own connected accounts.

Unlimited does not cover automated or scripted access, bulk querying, sharing one account between multiple people, or resale of any output. If usage runs far beyond normal personal patterns, we may slow or pause access, and we will contact you before any restriction becomes permanent.

Folio answers up to 20 questions a month on the Folio plan and 40 on the Essential plan. Every message you send to Folio counts as one question, including a follow-up in the same conversation; confirming the figures Folio asks you to check before a verdict is part of that question and does not count. A message that ends in an error instead of a reply does not count, but a reply in which Folio says it could not finish its answer still counts. AI card lookups are limited to 3 a month on the Essential plan and count only when a lookup returns a result; the Folio plan does not include card lookups. These limits reset at 00:00 UTC on the first day of each calendar month, not on your billing date.

During a free trial, Folio can also pause once the trial's AI usage budget for the month is used up, until the next calendar month begins or the trial ends, whichever comes first. Everything outside Folio keeps its own plan limits, as listed on the pricing page. We may update this definition. The version in effect when you subscribed applies to you until you change tier or your subscription lapses (section 14).

When using OneFolio you agree not to:

• Use the service to provide financial advice or services to anyone other than yourself.
• Reverse engineer, decompile, or attempt to extract the source code or model weights of any AI components.
• Use the service to scrape, build a competing product, or train a third-party AI model on data we provide.
• Connect accounts that don’t belong to you, or that you don’t have authorization to connect.
• Use the service to launder money, evade taxes, or facilitate any other illegal activity.
• Probe the service for vulnerabilities except through our coordinated disclosure process at admin@1folio.ai.

Material violations may result in suspension or termination of your account.

OneFolio is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted or error-free, and we do not warrant the accuracy, completeness, or timeliness of data we receive from financial institutions through Plaid or any other source.

To the fullest extent permitted by law, our aggregate liability arising out of or related to these Terms or your use of OneFolio will not exceed the greater of (i) the amount you paid us for the service in the 12 months before the claim arose, or (ii) $100.00. We will not be liable for any indirect, special, incidental, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption.

We may update these Terms from time to time. If a change is material, we’ll notify you in-app and by email at least 30 days before the change takes effect. Continued use of OneFolio after the effective date constitutes acceptance. The version of these Terms in effect when you use the service is the version that governs, with two exceptions that hold while your subscription stays on the same tier and does not lapse: your price (section 9) and the definition of “unlimited” (section 10) stay as they were when you subscribed.

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. The exclusive venue for any dispute arising from these Terms or the service is the state and federal courts in San Francisco, California.

Questions, complaints, or notices: admin@1folio.ai. We aim to respond within 2 business days.

We send notices to you by email at the address on your account or in the app. You can send legal notices to us by email at admin@1folio.ai or by mail to OneFolio LLC, 1401 21st St Ste R, Sacramento, CA 95811.