FOLDER CO LLC TERMS OF SERVICE
Effective Date: July 19, 2026
Last Updated: July 19, 2026
Legal Entity: Folder Co LLC
Business Address: 140 Blackstone St, Uxbridge, MA 01569
These Terms of Service (the "Terms") are a binding agreement between the person or organization accepting them ("Customer," "you," or "your") and Folder Co LLC, with an address at 140 Blackstone St, Uxbridge, Massachusetts 01569 ("Folder Co," "we," "us," or "our"). These Terms govern access to and use of folderco.io and Folder Co's related websites, applications, workflow tools, artificial-intelligence features, communications, integrations, and services (collectively, the "Services").
By creating an account, clicking to accept, signing an Order Form that incorporates these Terms, or accessing or using the Services, you agree to these Terms, the Folder Co Privacy Policy, the Platform, AI & Automated Processing Use Disclosure, and any Order Form or feature-specific terms that apply to your use. If you do not agree, do not access or use the Services.
If you accept for a company, repair facility, appraisal firm, insurer, law firm, professional practice, or other organization, you represent that you have authority to bind that organization. In that case, "Customer" means that organization, and you remain an Authorized User under these Terms.
1. Definitions
For these Terms:
2. Eligibility, Acceptance, and Electronic Transactions
You must be at least 18 years old and legally able to enter a binding agreement. The Services are designed primarily for businesses and automotive professionals, not for personal, family, or household use.
You agree to conduct transactions with Folder Co electronically. Your click, typed name, electronic signature, account action, or other electronic acceptance has the same force as a handwritten signature to the extent permitted by law. Folder Co may provide records, notices, disclosures, invoices, and changes electronically through the Services or to the contact information associated with your account. You are responsible for keeping that information current and for retaining copies you need.
3. The Services
Folder Co provides workflow and file-management tools for collision repair, independent appraisal, repair planning, vehicle valuation, total-loss and repairable claims, right-to-appraisal matters, diminished-value work, stated-value work, parts and invoice management, documents, communications, billing, and related automotive activities. Available modules, data, and functions depend on Customer's subscription, role, location, Connected Services, and Order Form.
Folder Co may add, modify, replace, or discontinue features from time to time. We will provide reasonable notice when a material change substantially reduces core paid functionality during a current subscription term, unless the change is necessary for security, law, third-party requirements, or prevention of harm. Any service-level commitment must be stated in an Order Form or separate written agreement signed by Folder Co.
Folder Co does not guarantee that every feature, data source, integration, or workflow will be available in every jurisdiction or for every vehicle, claim, insurer, repair facility, or professional use.
4. Accounts, Workspaces, and Authorized Users
Customer is responsible for all activity under its accounts and Workspaces, including activity by Authorized Users and anyone who obtains access through Customer's credentials or systems, except to the extent caused by Folder Co's breach of these Terms.
Customer will:
Provide accurate registration, business, billing, licensing, and contact information and keep it current.
Assign access only to people who need it and promptly remove access when no longer authorized.
Protect passwords, authentication methods, devices, and API or integration credentials.
Configure roles and permissions appropriate to the sensitivity of the files and functions involved.
Promptly notify Folder Co at security@folderco.io of suspected unauthorized access, credential compromise, or misuse.
Ensure each Authorized User complies with these Terms.
Workspace administrators may be able to access, assign, view, edit, export, share, archive, or delete Customer Content; manage Authorized Users; change permissions; enable Connected Services; and control subscription or billing settings. Customer is responsible for choosing its administrators and for their actions.
An Authorized User's relationship with Customer may determine who controls the account and Customer Content. Folder Co may follow the instructions of the applicable Workspace administrator or contracting Customer. Employment, contractor, ownership, or file-assignment disputes are between Customer and the affected users unless Folder Co is legally required to act.
5. Subscriptions, Fees, Taxes, and Renewal
Subscription levels, usage allowances, fees, billing intervals, and the initial subscription term are stated in the applicable Order Form or checkout page. Unless otherwise stated:
Fees are charged in advance, are due in U.S. dollars, and are nonrefundable except where these Terms, an Order Form, or applicable law expressly provides otherwise.
A subscription automatically renews for successive periods equal to the expiring subscription period until canceled through the available account tools or by written notice before renewal.
Customer authorizes Folder Co and its payment providers to charge the payment method on file for fees, taxes, usage charges, and other amounts due.
Customer is responsible for sales, use, excise, value-added, and similar taxes, excluding taxes based on Folder Co's net income.
Overdue amounts may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law, plus reasonable collection costs.
Folder Co may change fees for a future renewal term by providing advance notice through the Services or by email. Promotional, trial, beta, or discounted pricing may end as described when offered. Customer may cancel before the new price applies.
If a payment fails or an amount remains overdue, Folder Co may retry the payment method, limit paid functions, suspend access, or terminate the affected subscription after reasonable notice, except where immediate action is reasonably necessary to prevent fraud or harm.
6. Stripe, Stripe Connect, and Financial Features
If Customer enables Stripe, Stripe Connect, or another payment or payout feature, Customer agrees to the applicable provider agreements, including the Stripe Connected Account Agreement and Stripe Services Agreement. Stripe and its financial partners may require identity, ownership, tax, banking, sanctions, fraud, and compliance information and may approve, reject, restrict, reserve, hold, reverse, or delay transactions or payouts under their own terms.
Folder Co is a software platform. Folder Co is not a bank, insurer, escrow agent, money transmitter, credit reporting agency, tax preparer, or the provider of Stripe's regulated payment services. Folder Co does not control a payment provider's underwriting, verification, dispute, chargeback, reserve, or payout decisions.
Customer is solely responsible for:
The goods, repair, appraisal, professional, and other services for which it charges.
The accuracy and legality of invoices, payment requests, refunds, credits, taxes, and payout instructions.
Resolving customer, insurer, vendor, and payment disputes.
Chargebacks, reversals, refunds, fines, penalties, negative balances, and provider fees attributable to Customer's transactions or conduct.
Providing legally required receipts, disclosures, and payment notices.
To the extent permitted by law and the applicable provider terms, Customer authorizes Folder Co to pass through provider fees, reversals, chargebacks, refunds, reserves, and other transaction adjustments and to deduct them from amounts otherwise payable to Customer.
7. License to Use the Services
Subject to Customer's compliance with these Terms and payment of applicable fees, Folder Co grants Customer a limited, nonexclusive, nontransferable, nonsublicensable, revocable right during the subscription term to access and use the Services for Customer's internal business operations and for professional services Customer lawfully provides to its clients.
Customer may permit Authorized Users to exercise this right on Customer's behalf. Customer may not resell, lease, timeshare, sublicense, or provide the Services as a standalone product unless an Order Form expressly permits it.
Folder Co and its licensors retain all rights, title, and interest in and to the Services, Documentation, software, interfaces, designs, databases, workflows, models, model parameters, prompts supplied by Folder Co, taxonomies, templates, trademarks, and technology, including all modifications and improvements. No rights are granted by implication.
8. Customer Content, Ownership, and License
Customer ownership
As between Customer and Folder Co, Customer retains its rights in Customer Content. These Terms do not transfer ownership of Customer's source files, photographs, records, or other original content to Folder Co.
Operational license
Customer grants Folder Co and its contractors a worldwide, nonexclusive, royalty-free, sublicensable license to host, store, reproduce, transmit, display, format, convert, extract, classify, analyze, combine, modify, create derivative technical representations of, and otherwise process Customer Content as reasonably necessary to:
Provide, maintain, secure, support, and troubleshoot the Services.
Perform Customer's instructions and make Customer Content available to recipients Customer authorizes.
Operate AI Features, OCR, automations, search, reporting, document generation, integrations, and backups.
Prevent fraud, misuse, security incidents, and unlawful activity.
Comply with law and enforce these Terms.
AI development and improvement authorization
Customer also grants Folder Co and its contractors a worldwide, nonexclusive, royalty-free, sublicensable license to use Customer Content, AI Feature inputs and outputs, extracted data, corrections, interactions, and feedback to develop, train, fine-tune, test, evaluate, validate, secure, and improve Folder Co's AI models, OCR systems, automated workflows, analytics, and related products and Services. This permission includes development of generalized models and features that may benefit other Folder Co customers.
Where reasonably practicable and consistent with the development purpose, Folder Co will minimize, aggregate, mask, or de-identify development data and limit direct identifiers in development datasets. Folder Co does not use complete payment-card numbers or online-banking credentials to train AI models. Unless clearly disclosed in feature-specific terms or separately authorized by Customer, Folder Co will not authorize a third-party AI provider to use Customer Content to train models for that provider's independent products or unrelated purposes.
If Folder Co offers an account-level or contractual control for AI-development use, the scope and effect of that control will be described in the applicable setting or agreement. Any change applies prospectively unless Folder Co expressly agrees otherwise. Removal or expiration of this license does not require Folder Co to retrain or delete a model to the extent Customer Content has already been incorporated into model parameters or evaluation statistics that do not reasonably identify Customer or an individual. Folder Co may continue to use aggregated or de-identified information and trained model parameters that do not reveal Customer Content.
Customer responsibility and assurances
Customer represents and warrants that:
Customer has all rights, permissions, consents, notices, and lawful bases needed for Folder Co to receive and process Customer Content as described in these Terms and the Privacy Policy.
Customer Content and Customer's use of it do not violate law, confidentiality duties, privacy rights, intellectual-property rights, publicity rights, contractual restrictions, or the rights of any vehicle owner, claimant, insured, employee, vendor, or other person.
Customer will not upload information that is unnecessary for the applicable automotive or business purpose, and will use appropriate safeguards for sensitive information.
Customer will not direct Folder Co to make an unlawful disclosure or communication.
Customer is responsible for the accuracy, quality, legality, and source of Customer Content. Folder Co may remove, restrict, or preserve Customer Content when reasonably necessary to address suspected illegality, infringement, security risk, harm, or a legal obligation.
9. AI Features, OCR, and Automated Processing
AI Features are assistive tools. They may generate inaccurate, incomplete, outdated, inconsistent, or unexpected results, including incorrect extracted fields, operations, calculations, parts, comparables, summaries, valuations, classifications, or recommendations. Similar inputs may produce different outputs, and outputs may not be unique.
Customer and each Authorized User must:
Review AI and OCR outputs against source records, photographs, measurements, OEM procedures, estimating databases, licensing requirements, and professional judgment before relying on, approving, sending, or publishing them.
Correct errors and maintain an auditable basis for final professional conclusions.
Ensure a qualified person makes repair, safety, valuation, coverage, liability, legal, financial, employment, and other significant decisions.
Avoid representing an automated output as independently verified by Folder Co.
Use AI Features only for lawful, appropriate purposes and within the user's qualifications and authority.
Folder Co does not guarantee the factual accuracy, completeness, originality, explainability, regulatory acceptability, or fitness of any automated output. Customer assumes responsibility for decisions, reports, estimates, appraisals, repair plans, communications, and work product created or distributed using an AI Feature.
10. Automotive and Professional-Use Disclosures
Folder Co provides software and workflow support. Folder Co is not acting as the repair facility, insurer, claims administrator, independent appraiser, umpire, attorney, accountant, engineer, tax adviser, lender, valuation guide, estimating-information provider, OEM, vehicle-data provider, or payment processor merely by providing the Services.
The Services do not replace physical inspection, disassembly, diagnostic testing, measurements, OEM repair procedures, estimating-platform procedure pages, safety rules, parts verification, pre- and post-repair scans, calibration requirements, licensing obligations, or the judgment of a qualified professional.
Folder Co does not determine and does not guarantee:
Repairability, total-loss status, coverage, liability, causation, scope of damage, repair method, safety, or return-to-service readiness.
Labor times, labor rates, parts prices, part availability, taxes, markups, repair cost, supplement approval, insurer payment, rental duration, or claim recovery.
Actual cash value, diminished value, stated value, comparable-vehicle suitability, settlement amount, market conditions, or acceptance of a report by an insurer, vehicle owner, attorney, court, arbitrator, appraisal panel, or other party.
The accuracy, availability, licensing status, or continued operation of third-party estimating, valuation, vehicle-history, market, parts, OEM, or connected data.
Customer is responsible for its final work product, signatures, certifications, inspections, repairs, billing, client advice, regulatory compliance, and the acts or omissions of its personnel and contractors.
11. Communications, Documents, and Electronic Signatures
The Services may help Customer create or send emails, text messages, letters, notices, reports, authorizations, invoices, payment requests, signature requests, and other communications. When Customer directs a communication, Customer is the initiator and is responsible for:
Verifying the recipient, address, telephone number, content, attachments, and authority to send.
Obtaining any consent required for calls, texts, prerecorded or automated communications, marketing, electronic delivery, or electronic signatures.
Providing required sender identification, physical address, disclosures, and opt-out methods.
Honoring opt-outs and do-not-contact requests.
Retaining records needed to prove consent, delivery, acceptance, and the final content of a transaction.
Folder Co does not guarantee that a communication will be delivered, opened, read, accepted, or legally sufficient for a particular transaction. Spam filters, carrier rules, recipient settings, technical failures, and third-party policies may affect delivery.
Customer agrees that electronic records and signatures may be used in transactions conducted through the Services. Customer remains responsible for determining whether a particular document, notice, authorization, signature, notarization, title document, or transaction may legally be completed electronically and for satisfying any special formalities.
12. Connected Services and Third-Party Data
Customer may choose to connect the Services with third-party products such as payment, accounting, electronic-signature, email, communications, estimating, valuation, vehicle-history, vehicle-data, market, parts, storage, or document services. Connected Services are governed by their own terms and privacy notices.
Customer authorizes Folder Co to exchange Customer Content and account information with a Connected Service as reasonably necessary to perform Customer's instructions. Customer is responsible for obtaining any required third-party account, subscription, license, or permission.
Folder Co does not control and is not responsible for a Connected Service's content, availability, security, data practices, pricing, changes, errors, omissions, licensing restrictions, or decisions. Folder Co may modify or discontinue an integration if the provider changes or withdraws access, imposes new conditions, creates security or legal risk, or ceases to support the connection. Disconnecting a service stops future transfers through Folder Co but does not delete data the third party already received.
13. Acceptable Use
Customer and Authorized Users will not, and will not assist another person to:
Use the Services or Customer Content unlawfully, deceptively, fraudulently, abusively, or in violation of another person's rights.
Upload malware, destructive code, unlawful surveillance material, content obtained without authority, or data unrelated to a legitimate automotive or business purpose.
Impersonate another person; falsify records, signatures, photographs, estimates, invoices, appraisals, valuations, or evidence; or conceal the origin of content.
Send spam, harassment, threats, deceptive solicitations, or communications without required consent.
Probe, scan, test, circumvent, disable, or interfere with security, authentication, usage limits, access controls, monitoring, or service operation, except under a written Folder Co security-testing authorization.
Access another Customer's Workspace or data without authorization.
Scrape, harvest, copy, frame, mirror, or systematically extract the Services or data except through documented features and for Customer's authorized use.
Reverse engineer, decompile, disassemble, translate, or attempt to discover source code, nonpublic prompts, model weights, or underlying components, except to the limited extent a restriction is prohibited by law.
Use the Services to train or improve a competing product or model, benchmark for competitive publication without written permission, or extract model behavior or outputs at scale.
Resell or make the Services available as a service bureau or standalone hosted service unless an Order Form expressly permits it.
Use AI Features as the sole basis for a safety-critical repair decision, legal conclusion, coverage decision, or other decision that may materially affect a person without meaningful human review.
Violate export controls, sanctions, anti-bribery, consumer-protection, privacy, communications, repair, appraisal, insurance, licensing, or professional-conduct laws.
Folder Co may investigate suspected violations and cooperate with lawful investigations. We may use technical measures to prevent misuse and protect the Services.
14. Privacy and Security
The Folder Co Privacy Policy describes how Folder Co collects, uses, discloses, retains, and protects Personal Information and is incorporated into these Terms. If Folder Co processes Customer Content on Customer's behalf, additional data-processing terms may apply.
Folder Co uses commercially reasonable administrative, technical, and organizational safeguards designed to protect Personal Information and Customer Content. No service, storage method, or Internet transmission is completely secure. Customer is responsible for appropriate account configuration, endpoint security, access controls, backup and export practices, and compliance with laws applicable to Customer's business and files.
Customer will notify Folder Co promptly if Customer becomes aware of a security event involving the Services and will reasonably cooperate with investigation and remediation. Customer may not make a public statement that attributes a security event to Folder Co without first providing reasonable notice, unless law prohibits notice.
15. Confidentiality
"Confidential Information" means nonpublic information disclosed by one party (the "Discloser") to the other (the "Recipient") that is marked confidential or reasonably should be understood as confidential, including Customer Content, nonpublic product information, pricing, security information, business plans, and trade secrets.
The Recipient will use Confidential Information only to perform or exercise rights under the Agreement, protect it using at least reasonable care, and disclose it only to personnel, contractors, professional advisers, and service providers who need to know it and are bound by confidentiality obligations. These obligations do not apply to information the Recipient can document was lawfully known without restriction, becomes public without breach, is received lawfully from a third party without duty, or is independently developed without use of the Discloser's Confidential Information.
The Recipient may disclose information when required by law, subpoena, or court order. Where legally permitted and reasonably practicable, the Recipient will provide advance notice and reasonable assistance, at the Discloser's expense, if the Discloser seeks protection.
16. Feedback and De-Identified Information
If Customer or an Authorized User provides suggestions, ideas, corrections, feature requests, workflows, or other feedback, Customer grants Folder Co a perpetual, irrevocable, worldwide, royalty-free, sublicensable right to use and incorporate that feedback without restriction or compensation. Folder Co is not required to treat feedback as confidential.
Folder Co may create and use aggregated or de-identified information that does not reasonably identify Customer, an individual, vehicle owner, claim, or specific file to operate, analyze, benchmark, market, develop, and improve the Services and the automotive workflows they support. Folder Co will not attempt to reidentify information maintained in de-identified form except to test de-identification or as permitted by law.
17. Beta, Preview, and Free Features
Features labeled beta, preview, early access, evaluation, trial, or free may be incomplete, change without notice, contain errors, and be suspended or discontinued at any time. They are provided "as is," may not be suitable for production or regulated use, and may not be covered by support, security, retention, availability, or service-level commitments that apply to paid generally available features.
Customer may provide feedback about beta features. Unless Folder Co publicly releases the feature, nonpublic details about it are Folder Co Confidential Information.
18. Suspension and Termination
Customer may stop using the Services and cancel a subscription as described in Section 5 and the applicable Order Form. Unless an Order Form states otherwise, cancellation takes effect at the end of the current paid term, and previously paid fees are not refunded.
Folder Co may suspend or restrict access immediately when reasonably necessary to address a security risk, suspected fraud, unlawful activity, material Acceptable Use violation, threat to another user, provider requirement, or legal obligation. When practicable, Folder Co will notify Customer and limit the suspension to the affected account, feature, or content.
Either party may terminate an Agreement for a material breach that remains uncured 30 days after written notice, or 10 days after notice of nonpayment. Either party may terminate immediately if the other becomes insolvent, ceases business, or enters bankruptcy or similar proceedings not dismissed within 60 days, to the extent permitted by law.
After termination or expiration:
Customer's right to use the Services ends.
Customer remains responsible for amounts accrued before termination.
Folder Co may provide a limited period to export Customer Content if stated in the Order Form, Documentation, or termination notice.
Folder Co may delete or de-identify Customer Content according to the Privacy Policy, Customer's settings, and applicable law.
Copies may remain temporarily in backups, audit records, legal holds, and records Folder Co must retain.
Sections that by their nature should survive will survive, including Sections 6 through 16 and 18 through 26.
19. Limited Warranties and Disclaimers
Each party warrants that it has authority to enter the Agreement. Folder Co warrants that paid Services will be provided in a professional and workmanlike manner. Customer's exclusive remedy for breach of that warranty is for Folder Co to reperform the affected Service or, if Folder Co cannot reasonably do so, refund the prepaid fees allocable to the materially nonconforming period.
Folder Co does not warrant that the Services will be uninterrupted, error-free, secure against every threat, compatible with every system, or that data will never be lost. Folder Co does not warrant any business, repair, claim, appraisal, valuation, payment, legal, or financial outcome.
Some jurisdictions do not allow certain disclaimers. The disclaimers apply only to the extent permitted by law and do not waive nonwaivable rights.
20. Indemnification
Customer will defend, indemnify, and hold harmless Folder Co and its affiliates, officers, directors, employees, contractors, and agents from third-party claims, demands, investigations, proceedings, damages, judgments, settlements, penalties, fines, costs, and reasonable attorneys' fees arising out of or relating to:
Customer Content or Folder Co's authorized processing of it.
Customer's or an Authorized User's use or misuse of the Services, AI Features, outputs, communications, payment functions, or Connected Services.
Customer's estimates, repair plans, repairs, inspections, appraisals, valuations, reports, invoices, professional services, representations, or omissions.
Customer's breach of the Agreement or violation of law or another person's rights.
A payment dispute, refund, chargeback, tax, lien, employment dispute, bodily injury, property damage, vehicle damage, or claim arising from Customer's business or services.
Folder Co will promptly notify Customer of a covered claim and allow Customer to control the defense and settlement, provided Customer may not settle in a manner that admits wrongdoing by, imposes liability on, or requires action by Folder Co without Folder Co's written consent. Folder Co may participate with counsel of its choice at its own expense. Customer's obligations are reduced to the extent a claim was caused by Folder Co's gross negligence, willful misconduct, or material breach of the Agreement.
21. Limitation of Liability
The exclusions and cap do not apply to Customer's payment obligations; Customer's indemnification obligations; a party's fraud, gross negligence, or willful misconduct; Customer's violation of Folder Co's intellectual-property rights; or liability that cannot be limited by law. The limitations apply to the maximum extent permitted regardless of the legal theory and even if a remedy fails of its essential purpose.
22. Binding Individual Arbitration; Class and Jury Waivers
Informal resolution first
Before starting arbitration, the claiming party must send a written Notice of Dispute describing the claimant, relevant account, facts, legal basis, and requested relief. Notices to Folder Co must be sent to legal@folderco.io with the subject "Notice of Dispute." The parties will attempt in good faith to resolve the dispute for 30 days after receipt. Any limitations period is tolled during that period.
Agreement to arbitrate
If not resolved, any dispute, claim, or controversy arising out of or relating to the Services, the Agreement, Customer Content, AI Features, payments, communications, or the relationship between the parties will be resolved by binding individual arbitration under the Federal Arbitration Act. The arbitration will be administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules for a business Customer and its applicable Consumer Arbitration Rules if consumer rules are legally required.
The arbitration will be conducted by one neutral arbitrator in English. Hearings may occur by video, telephone, document submission, or in Worcester County, Massachusetts, as the arbitrator determines after considering the parties' circumstances and applicable AAA rules. The arbitrator may award the same individual relief a court could award but may not consolidate claims or preside over a class, collective, or representative proceeding. Judgment on the award may be entered in any court with jurisdiction.
Exceptions
Either party may bring an individual action in small-claims court if eligible. Either party may seek temporary or preliminary injunctive relief in court to prevent unauthorized access, security threats, misuse, or infringement or misappropriation of intellectual-property or confidentiality rights while arbitration is pending. Nothing prevents a person from reporting a matter to a government agency or regulator.
Class-action and jury-trial waiver
To the fullest extent permitted by law, disputes must proceed only on an individual basis. Neither party may bring or participate in a class, collective, coordinated, consolidated, mass, private-attorney-general, or representative action or arbitration. For any dispute permitted to proceed in court, each party knowingly and voluntarily waives trial by jury.
30-day right to opt out
Customer may opt out of this Section 22 by emailing legal@folderco.io within 30 days after first accepting these Terms. The notice must state Customer's legal name, account email, organization, mailing address, and a clear request to opt out of arbitration. Opting out does not affect the remaining Terms or a prior arbitration agreement.
If a court finds part of this Section unenforceable as to a particular claim or remedy, that part will be severed and the remainder enforced. A claim that cannot lawfully be arbitrated will proceed in the courts identified in Section 23 after all arbitrable matters are completed.
23. Governing Law and Court Venue
The Agreement and any dispute are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 22.
For a claim not subject to arbitration, the parties consent to exclusive jurisdiction and venue in the state courts located in Worcester County, Massachusetts, and the United States District Court for the District of Massachusetts. Each party waives objections based on personal jurisdiction, venue, or inconvenient forum.
24. Changes to These Terms
Folder Co may update these Terms to reflect changes in the Services, law, security, or business practices. We will post the updated Terms and revise the "Last Updated" date. If a change materially affects Customer's rights or obligations, Folder Co will provide reasonable advance notice through the Services, by email, or another appropriate method, unless immediate change is required by law, security, or prevention of harm.
Folder Co will not rely solely on a quiet, retroactive change to authorize a materially broader use of Customer Content for unrelated third-party sharing or AI training. Where required by law or Folder Co's existing commitments, we will provide meaningful notice and obtain additional consent before the materially broader practice applies.
Continued use after an updated version becomes effective constitutes acceptance of the updated Terms. If Customer does not agree, Customer must stop using the affected Services and may cancel as provided in Section 5. Changes do not create a right to a refund unless required by law or expressly stated.
25. General Terms
Agreement structure and priority
The agreement between Customer and Folder Co consists of these Terms, the applicable Order Form, the Privacy Policy, the Platform, AI & Automated Processing Use Disclosure, any data-processing addendum, and feature-specific terms (collectively, the "Agreement"). If there is a conflict, the following order controls: a signed Order Form that expressly identifies the conflicting provision; a data-processing addendum for its subject; feature-specific terms; these Terms; then Documentation. The Privacy Policy governs privacy disclosures and does not expand service commitments.
Assignment
Customer may not assign or transfer the Agreement without Folder Co's written consent, except in connection with a merger or sale of substantially all Customer assets if the assignee is not a competitor and agrees in writing to be bound. Folder Co may assign the Agreement to an affiliate or in connection with a merger, reorganization, financing, or sale of assets. An unauthorized assignment is void.
Force majeure
Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disasters, fire, flood, epidemic, labor dispute, war, terrorism, civil unrest, government action, utility or Internet failure, cyberattack, cloud-provider disruption, or third-party platform failure. This does not excuse Customer's obligation to pay amounts already due.
Notices
Folder Co may send notices to the account email, through the Services, or to the address in an Order Form. Legal notices to Folder Co must be sent to legal@folderco.io and by nationally recognized overnight courier or certified mail to Folder Co LLC, 140 Blackstone St, Uxbridge, MA 01569. Notices are effective when received.
Miscellaneous
The Agreement is the entire agreement about its subject and supersedes prior or contemporaneous proposals and representations. A purchase order is for administrative convenience only, and its additional terms are rejected unless Folder Co signs them. Failure to enforce a provision is not a waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will remain effective. The parties are independent contractors; the Agreement creates no partnership, joint venture, fiduciary, franchise, employment, or agency relationship. Headings are for convenience only. "Including" means "including without limitation."
26. Contact
Questions about these Terms or legal notices may be sent to:
Folder Co LLC
Mailing Address: 140 Blackstone St, Uxbridge, MA 01569
Email: legal@folderco.io
Website: https://folderco.io