Using FolioFacts
Effective and last updated: November 7, 2026.
These Terms of Use govern foliofacts.com and its research, reports, data, calculations, and tools (the “Service”), provided by the FolioFacts operator (“FolioFacts,” “we,” or “us”). By using the Service, you agree to these Terms to the extent an agreement can lawfully be formed through that use. If you do not agree, stop using it. Contact: hello@foliofacts.com.
FolioFacts is a free research publication. Its content is general information, not personalized investment advice. Investing involves risk, including loss of your entire investment.
The complete publication notice is available in our Investment Disclaimer. It complements, and does not replace, these Terms of Use.
1. Public research and restricted admin access
FolioFacts is a read-only public research website. Company Research, Creator Watchlist, and Research Model are available without an account or Google login. We do not offer public accounts, registration, or tools for visitors to submit or store portfolios or financial information.
The admin login and private administration tools are exclusively for the designated administrator. Visitors must not use the admin login or attempt to create an account. Finding a login page or successfully authenticating with Google does not authorize access to private features. Do not attempt to bypass these restrictions.
The Service is intended for adults with legal capacity to use it. Use it only where lawful. FolioFacts does not open brokerage accounts, hold or manage client money, execute trades, or provide tax filing or professional recordkeeping services.
2. No personalized advice or advisory relationship
Research does not consider your objectives, financial circumstances, experience, tax position, time horizon, or ability to bear losses. Reports, scores, quality ratings, price targets, fair-value estimates, scenarios, and labels such as “Buy,” “Strong Buy,” or “Avoid” are model-based analytical opinions. They are not instructions to trade, individualized recommendations, securities offers, or promises of an outcome.
Reading, downloading, or contacting FolioFacts does not establish an investment-adviser/client, broker/customer, fiduciary, legal, or tax advisory relationship. Verify material information against original filings and reliable sources, and seek qualified professional advice when appropriate. You make your own investment decisions.
3. Dated information, estimates, and risk
Reports express views as of the dates and assumptions shown. Archived analyses can remain unchanged after facts, prices, or opinions change. Reports and tools using different dates, assumptions, or methodologies may show different results. Reference prices are snapshots, not live feeds or executable quotes. We do not promise continuous monitoring, correction, or updates, except where legally required.
Valuations, forecasts, rankings, probabilities, and modeled returns rely on assumptions that may be incomplete or wrong. “Return to fair value” is a model comparison, not a forecast, annualized return, or assurance the market will reach that value. Historical and hypothetical results do not predict future results. Calculations may omit trading costs, taxes, liquidity constraints, timing, or other factors affecting actual results.
Research may use third-party information, automated calculations, and AI-assisted drafting or analysis. Sources and software can contain errors, omissions, stale information, or unsupported inferences. A citation or precise score does not guarantee accuracy or independent verification. No rating or risk label captures every risk. Securities can become illiquid or lose some or all of their value.
4. Conflicts and compensation
The operator or contributors may have financial interests in securities discussed and may buy or sell them without notifying readers. Their interests may differ from yours. Research is not a complete, current holdings list or an independently audited performance record, and should not be used to copy a portfolio.
FolioFacts is currently free and unsponsored. It receives no subscription or advertising revenue, affiliate commissions, issuer sponsorship, or other research-related payments.
5. Content rights and permitted use
FolioFacts and its contributors retain rights in their original writing, presentation, and software. Filings, source material, market data, trademarks, and other third-party content remain subject to their owners' rights. A company name, ticker, logo, or link does not imply affiliation, endorsement, or a license from that company.
You may read and download public reports for personal, non-commercial research, share links, and quote limited excerpts with attribution and a link where legally permitted. This does not authorize bulk republication, resale, misleading alteration, removal of attribution, or redistribution of third-party data beyond its owner's permissions. Statutory exceptions and other lawful uses remain available. Separate open-source or other licenses remain in effect for the material they cover. Contact us about broader reuse.
For copyright, data-rights, or attribution concerns, email hello@foliofacts.com with the affected URL, material at issue, basis for your rights, and reply address. We will review appropriate correction or removal requests. These Terms do not establish permission to publish someone else's material.
6. Acceptable use and communications
Do not access private administration tools or records without authorization, bypass authentication or rate limits, exploit vulnerabilities, introduce malware, overload the Service, impersonate others, use content for unlawful manipulation or fraud, or falsely claim our endorsement. Automated access must respect applicable law, content rights, and technical restrictions.
If you contact us by email, provide only information you have authority to share. Do not send confidential third-party material or sensitive financial records. You retain ownership of your messages and permit us to use them only as reasonably needed to respond to and address your request, as described in the Privacy Notice. Private correspondence is not automatically published. Unsolicited suggestions do not create an obligation to pay you or implement an idea.
7. Availability and external services
We may correct, change, restrict, suspend, or discontinue public research or features, subject to law. We do not promise continuous availability, preservation of every published report, or a particular response time. You may keep copies of public reports for your permitted use.
Links and citations are for reference. We do not control external services or their accuracy, availability, security, or policies. Their operators' terms apply when you use them. A link alone does not imply approval of every statement at its destination.
8. No warranties
To the fullest extent permitted by applicable law, the Service is provided “as is” and “as available,” without express or implied warranties, including merchantability, fitness for a particular purpose, accuracy, completeness, availability, or non-infringement. We do not warrant that it will be error-free, uninterrupted, secure in every circumstance, or suitable for a particular investment. This section does not exclude warranties or duties that the law does not allow us to exclude.
9. Limitation of liability
To the fullest extent permitted by applicable law, FolioFacts, its operator, and contributors are not liable for indirect, incidental, consequential, or other similar losses arising from the use of the website or reliance on its content.
Where legally permitted, their total combined liability for claims arising from the website is limited to US$100.
Nothing in these Terms excludes liability or limits any legal rights or remedies that cannot lawfully be excluded or limited.
10. Changes and contact
We may revise these Terms by posting an updated version and date, with additional notice or agreement where required. Revisions do not retroactively remove accrued rights or authorize uses of personal information contrary to law. If a provision is unenforceable, the others continue only to the extent permitted by law. Not enforcing a provision once does not waive it for the future.
Contact hello@foliofacts.com with concerns. Contacting us first is not a condition of exercising legal rights. These Terms do not require mandatory arbitration, impose a class-action waiver, or remove jurisdiction or protections available under applicable law.
FolioFacts contact: hello@foliofacts.com. See our Privacy Notice for information handling and privacy requests.