Terms of Service

Effective date: July 5, 2026

Welcome to LikeFolio. These Terms of Service (the "Terms") are a binding agreement between you and LikeFolio ("we", "us", or "our") and govern your access to and use of the LikeFolio.ai website, applications, memberships, developer API, data products, and related services (together, the "Service"). By creating an account, purchasing a membership, using an API key, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Acceptance of These Terms

These Terms, together with our Privacy Policy, Investment Disclaimer, and Disclosures, form the entire agreement between you and LikeFolio regarding the Service. If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" refers to that entity. Enterprise data-licensing customers may have a separate signed agreement with us; where a signed agreement conflicts with these Terms, the signed agreement controls for that customer.

2. Eligibility

You must be at least 18 years old to create an account or use the Service. By using the Service you represent that you are 18 or older and legally capable of entering into a binding contract. The Service is not directed to children, and we do not knowingly collect information from anyone under 18.

3. Your Account and Sign-In Security

You sign in to LikeFolio with a magic link sent to your email address, or through Google or Apple single sign-on. Because a magic link grants access to your account, you are responsible for keeping your email inbox secure and for not forwarding or sharing sign-in links with anyone. You are responsible for all activity that occurs under your account.

• Provide an accurate email address you control, and keep it current.
• Do not share your account, session, or sign-in links with others. Memberships are for a single individual unless a separate agreement says otherwise.
• Notify us promptly at [email protected] if you believe your account or email has been compromised.

We may suspend or terminate accounts that we reasonably believe are compromised, shared, or used in violation of these Terms.

4. Memberships, Pricing, and Auto-Renewal

LikeFolio offers paid subscriptions in addition to free access. Current paid offerings include:

• Model Portfolios membership — $399 per year, with an introductory price of $299 for your first year where offered.
• LikeFolio Pro — $1,995 per year.
• Developer API plans — a free API key tier ($0), and paid tiers at $49, $199, and $499 per month, each with a monthly credit allowance, plus metered overage and optional $25 credit packs (see Section 7).
• Enterprise data licensing — custom-priced and governed by a separate agreement.

Billing. Payments are processed by Stripe. By subscribing, you authorize us (through Stripe) to charge your payment method for the subscription price, applicable taxes, and, for API plans, metered overage charges. Prices are stated in US dollars.

Auto-renewal. All subscriptions renew automatically at the end of each billing period (annually for memberships, monthly for paid API plans) at the then-current standard price, unless you cancel before the renewal date. Introductory pricing applies only to the period for which it is offered; renewals bill at the standard price. We will provide notice of any price increase before it applies to your renewal.

Trials and promotions. If we offer a trial or promotional price, the specific terms presented at checkout apply, and the subscription converts to the standard price when the promotional period ends unless you cancel first.

5. Cancellation and Billing Management

You can cancel any subscription at any time through the Stripe billing portal, reachable from your account Settings page. Cancellation stops future renewals; except as provided by the Model Portfolios money-back guarantee in Section 6 or as required by law, payments already made are non-refundable, and you retain access to paid features until the end of the period you have paid for. If a charge fails at renewal, we may retry it and may suspend paid access until payment succeeds. You can also contact [email protected] for help with billing.

6. Model Portfolios 30-Day Money-Back Guarantee

The Model Portfolios membership comes with a 30-day money-back guarantee. If you cancel your Model Portfolios membership within 30 days of your initial purchase, your payment is refunded automatically — no request or negotiation needed. The refund is issued to your original payment method through Stripe.

• The guarantee applies to your first Model Portfolios purchase, not to renewals or repeat purchases.
• The guarantee applies only to the Model Portfolios membership. LikeFolio Pro, developer API plans, credit packs, and enterprise licenses are not covered by any money-back guarantee.
• Canceling within the guarantee window ends your membership access when the refund is issued.

See our Disclosures for additional detail on how the guarantee works.

7. Developer API Terms

If you create an API key, the following additional terms apply to your use of the LikeFolio API:

• License scope. We grant you a limited, non-exclusive, non-transferable, revocable license to access the API and use returned data for your internal applications and analysis, subject to your plan's limits and these Terms.
• Keys. API keys are issued to your account and are confidential. Do not share keys, embed them in public client-side code or repositories, or allow third parties to use them. You are responsible for all usage under your keys.
• Rate and credit limits. Each plan includes rate limits and a monthly credit allowance. Usage beyond your allowance is billed as metered overage in increments of 5,000 credits at the then-current overage rate shown in the developer console and at checkout, or you may purchase $25 credit packs where offered. We may throttle or reject requests that exceed rate limits.
• No resale or redistribution. You may not resell, sublicense, redistribute, syndicate, or publicly republish API data or any substantially similar dataset, whether raw or lightly transformed, and you may not use the API to build a product that substitutes for the Service or for our data licensing offerings. Enterprise redistribution rights are available only under a separate signed data-licensing agreement.
• Prohibited technical conduct. No scraping the Service in lieu of the API, circumventing rate limits or credit metering, rotating keys or accounts to evade limits, or using the data to train systems designed to reconstruct our underlying datasets.
• Revocation. We may suspend or revoke API keys, adjust limits, or modify or discontinue API endpoints at any time, including immediately and without notice where we reasonably believe keys are compromised, shared, or used in violation of these Terms. Where practical, we will give notice of material API changes.

8. Acceptable Use

You agree not to misuse the Service. In particular, you will not:

• Share, resell, or publicly republish members-only content, scores, recommendations, model-portfolio trades, or API data, except for brief quotations with attribution that do not substitute for a membership;
• Access the Service by automated means (bots, scrapers, crawlers) except through the documented API within your plan's limits;
• Circumvent, disable, or interfere with authentication, premium gating, rate limits, metering, or other security or access controls;
• Probe, scan, or test the vulnerability of the Service, or disrupt its operation, other than good-faith security research reported promptly to [email protected];
• Use the Service to violate any law or regulation, including securities laws (for example, using our content in connection with market manipulation), or to infringe anyone's rights;
• Misrepresent LikeFolio content as personalized investment advice from us, or represent that we endorse your products or trading decisions;
• Upload or transmit malware, or use AI chat features to attempt to extract other users' data or our proprietary prompts and datasets.

9. Intellectual Property and Limited License

The Service — including our software, design, text, graphics, scores, models, datasets, the LikeFolio Score, and the LikeFolio name and marks — is owned by LikeFolio or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial research (or, for API and enterprise customers, as described in Section 7 or your signed agreement). No other rights are granted. Feedback you send us may be used by us without restriction or obligation.

10. Research, Not Advice

All content on the Service — scores, recommendations, model portfolios, chat responses, signals, and commentary — is general research and education. It is not personalized investment advice, is not a recommendation that any security or strategy is suitable for you, and is provided without regard to your individual objectives or financial situation. LikeFolio is not a registered investment adviser or broker-dealer, and no fiduciary or advisory relationship is created by your use of the Service. Investing involves risk, including possible loss of principal. The Investment Disclaimer applies to everything on the Service and is incorporated into these Terms by reference.

11. Third-Party Services

The Service depends on third-party providers — including Stripe for payments, Resend for email, cloud hosting, and AI model providers that power chat features. Your use of those providers through the Service is subject to their own terms where applicable (for example, Stripe's consumer terms for payment processing). We are not responsible for third-party services we do not control, or for external websites linked from the Service.

12. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT AND DATA ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY SCORE, RECOMMENDATION, OR DATA POINT IS ACCURATE OR THAT USING THE SERVICE WILL PRODUCE ANY INVESTMENT RESULT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) LIKEFOLIO AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TRADING LOSSES, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO LIKEFOLIO IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

14. Indemnification

You agree to indemnify, defend, and hold harmless LikeFolio and its officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any law or the rights of a third party; or (d) any application or product you build using the API. We may assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate with us.

15. Dispute Resolution: Arbitration and Class-Action Waiver

Please read this section carefully — it affects your legal rights.

Informal resolution first. Before filing a claim, you agree to contact us at [email protected] or by mail at 11405 Park Road, Anchorage, KY 40223 with a description of the dispute, and to give us 30 days to try to resolve it informally.

Binding arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in English, by a single arbitrator, and may proceed by videoconference, by written submissions, or in person in the county where you live (or another mutually agreed location). The arbitrator's award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court for actual or threatened infringement or misuse of intellectual property or data (including unauthorized redistribution of API or member data).

Class-action waiver. You and LikeFolio each agree that disputes will be brought only on an individual basis, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims of more than one person. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court.

30-day opt-out. You may opt out of this arbitration agreement and class-action waiver by sending written notice within 30 days of the date you first accept these Terms, either by email to [email protected] with the subject line "Arbitration Opt-Out" or by mail to LikeFolio, 11405 Park Road, Anchorage, KY 40223. Your notice must include your name and the email address on your account. Opting out does not affect any other part of these Terms.

16. Governing Law

These Terms and any dispute arising out of them or the Service are governed by the laws of the Commonwealth of Kentucky and applicable US federal law, without regard to conflict-of-laws rules. For any claim not subject to arbitration, you and LikeFolio consent to the exclusive jurisdiction and venue of the state and federal courts located in Kentucky.

17. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will give notice — for example, by email to the address on your account or by a prominent notice on the Service — before the changes take effect, and we will update the effective date at the top of this page. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree to a change, stop using the Service and cancel any subscription before the change takes effect.

18. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access (including API keys) if you violate these Terms, if required by law, or if we discontinue the Service, and we will refund any amounts required by Section 6 or applicable law. Sections that by their nature should survive termination — including Sections 9 and 12 through 16 — survive.

19. Miscellaneous and Contact

If any provision of these Terms is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms do not create any agency, partnership, or joint venture.

Questions about these Terms: email [email protected] or write to LikeFolio, 11405 Park Road, Anchorage, KY 40223.