Terms of Service

The short version

These Terms are the agreement between you and OneFolio (“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.

1. The 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.

2. Connecting your accounts (Plaid)

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, going back as far as your institution permits (typically 24 months).
• 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 and revoke these connections at any time by going to Settings → Connected Accounts and disconnecting an institution. Disconnection stops Plaid from sending us new data and stops us from accessing the existing data on your behalf.

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.

3. How we use the data we receive

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 trusted infrastructure providers to operate the service: Plaid (financial data network), Supabase (encrypted database hosting), Anthropic and Google (AI models we send anonymized prompts to for the insights and decision engine), Stripe (subscription billing), Resend (transactional email). Each is bound by a written data-protection agreement appropriate to their role.

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.

4. Important: not a credit report, not credit advice, not investment advice

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.

5. No screen scraping; no third-party data resale

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.

6. No financial-institution fees

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.

7. Your rights over your data

At any time you can:

• Disconnect any connected account, individually, from Settings → Connected Accounts. We stop pulling new data immediately and the historical data for that account is removed within 30 days unless you direct us otherwise.
• Export your data — transactions, accounts, budgets, goals — as CSV from Settings → Privacy & Data.
• Delete your account entirely from Settings → Privacy & Data → Delete account. We delete your data from active systems within 30 days. Some records are retained longer as required by law (e.g., tax-relevant audit logs for 7 years, payment records as required for fraud prevention and accounting).
• 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.

8. Security

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.

9. Subscriptions and billing

OneFolio offers tiered subscriptions described on our pricing page. Starting your subscription requires a credit card; you are billed immediately upon completing checkout. Subscriptions auto-renew at the end of each billing period unless you cancel from Settings → Billing.

You may cancel at any time and retain access through the end of the current billing period. We do not provide pro-rated refunds for partial months. Yearly subscriptions are refundable within 14 days of purchase if you have not used the service materially during that window.

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.

10. Acceptable use

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.

11. Disclaimer

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.

12. Limitation of liability

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) one hundred US dollars (US$100). We will not be liable for any indirect, special, incidental, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption.

13. Changes to these terms

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.

14. Governing law and disputes

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 that is not resolved through binding arbitration as described in our Privacy Policy will be the state and federal courts in San Francisco, California.

15. Contact

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