Terms of Service.

You must be at least 18 years old and capable of entering into a binding contract to use the Services. By using the Services you represent that you meet these requirements and that your use complies with all applicable laws in your jurisdiction.

Some features require an account. You agree to provide accurate information, keep it current, and safeguard your credentials. You are responsible for all activity under your account. Notify us immediately at support@likefolio.com if you suspect unauthorized access.

Accounts are personal to you. You may not share, transfer, or resell access to the Services.

Paid subscriptions (including LikeFolio PRO at $19/month) are billed and managed through our payment processor on the Platform at likefolio.ai. By subscribing, you authorize us to charge the payment method on file on a recurring basis until you cancel.

• Renewal. Subscriptions renew automatically for successive billing cycles at the then-current rate unless cancelled before the next cycle begins.
• Cancellation. You may cancel at any time from your account settings on the Platform. Cancellation takes effect at the end of the current billing cycle.
• Refunds. Charges are non-refundable except where required by law. We may, in our sole discretion, issue prorated refunds in unusual circumstances.
• Price changes. We may change prices for future billing cycles by giving reasonable advance notice. Continued use after the change constitutes acceptance.
• Taxes. Stated prices exclude applicable sales tax, VAT, or similar charges, which we may add and collect where required.

Subject to your compliance with these Terms, LikeFolio grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access the Services for your personal, non-commercial use.

All right, title, and interest in the Services — including software, research, copy, model portfolios, scores, designs, logos, and trademarks — remain with LikeFolio or its licensors. Nothing in these Terms transfers any intellectual property to you.

You agree not to:

• Copy, redistribute, publicly post, or resell any LikeFolio research, ticker call, model portfolio composition, alert, or other Service content.
• Scrape, crawl, or harvest data from the Services through automated means, except for search-engine indexing of public pages.
• Reverse engineer, decompile, or attempt to extract source code or underlying methodology from the Services.
• Use the Services to build, train, or improve any competing product, including any AI model.
• Interfere with or disrupt the Services, networks, or other users.
• Use the Services for any illegal, fraudulent, or harmful purpose.
• Impersonate LikeFolio, its principals, or another user.
• Circumvent any paywall, access control, magic link, or rate limit.

Violation of this section may result in immediate termination of your account without refund.

If you submit content to the Services — including testimonials, feedback, comments, questions, or suggestions — you grant LikeFolio a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, modify, publish, and display that content for any purpose related to the Services or our marketing. You represent that you own or otherwise have the right to grant this license, and that your submission does not violate any third party's rights.

The Services integrate with third-party providers (payment processing, email delivery, newsletter platform, analytics, customer support, brokerage data, search-trend data, others). Your use of those third-party services is governed by their own terms and privacy policies. We are not responsible for the practices of third parties.

The Services provide consumer-behavior research for informational and educational purposes only. We are not a registered investment adviser. Nothing in the Services is personalized investment advice. See our Disclaimer for full details.

The Services are provided “as is” and “as available”. To the maximum extent permitted by law, LikeFolio disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. We do not warrant that the Services will be error-free, secure, available at any particular time, or that any data will be accurate, complete, or timely.

To the maximum extent permitted by law, LikeFolio and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption, arising out of or in connection with your use of the Services or any investment decisions you make based on the Services — regardless of the theory of liability (contract, tort, statute, or otherwise) and even if we have been advised of the possibility of such damages.

Our aggregate liability for any claim arising out of these Terms or the Services will not exceed the greater of (a) the amount you paid LikeFolio in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, the above limitations apply to the fullest extent permitted by law.

You agree to defend, indemnify, and hold harmless LikeFolio and its officers, directors, employees, and agents from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of (a) your use or misuse of the Services, (b) your violation of these Terms, or (c) your violation of any third-party right, including any intellectual property right.

We may suspend or terminate your access to the Services at any time, with or without cause or notice, including for violation of these Terms. Upon termination, your license to use the Services ends and any provisions of these Terms that by their nature should survive termination (including IP, disclaimers, limitations of liability, and dispute resolution) will survive.

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the seat in Louisville, Kentucky. Judgment on the award may be entered in any court with jurisdiction.

Class-action waiver. You and LikeFolio agree to bring any claim only in your individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. If a court determines the class-action waiver is unenforceable, then the entire arbitration provision is null and void, and the parties consent to exclusive jurisdiction in the state and federal courts located in Kentucky.

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property rights.

We may update these Terms from time to time. When we make material changes we will update the “Last updated” date above and, where appropriate, provide additional notice. Continued use of the Services after a change constitutes acceptance of the revised Terms.

These Terms are the entire agreement between you and LikeFolio regarding the Services and supersede any prior agreements on the same subject. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

Questions about these Terms can be sent to support@likefolio.com.