Terms of Service

1. Who we are and acceptance of these terms

Folo (the "Service") is owned and operated by Social Commerce Ltd, a private limited company registered in England and Wales, Company Number 15286207, VAT Number GB456147581, registered office 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ ("Folo", "we", "us", "our"). Social Commerce Ltd also operates Fanogram and Receipt, and other related products, on shared account, chat, vault and payment systems; see Section 4 (Single sign-on across Folo, Fanogram and Receipt).

By creating an account or using Folo, you confirm you are at least 18 years old and agree to be bound by these Terms of Service. If you do not agree, do not use Folo.

2. Your account

You are responsible for keeping your sign-in details secure and for all activity under your account. You must provide accurate information, keep it current, and not impersonate any person or misrepresent your age or identity. You must be of legal age (18+) in your jurisdiction to use Folo; there is no general-audience or minor tier.

You may delete your account at any time from Settings. Deleting your account is a request to delete or anonymise your personal data, subject to the retention we describe in our Privacy Policy (for example, records we must keep for legal, tax, fraud-prevention or content-moderation reasons).

3. Content and conduct

Creators retain ownership of the content they publish and grant Folo a licence to host, display and deliver it to the fans who are entitled to see it. All users must comply with our Acceptable Use Policy and Community Guidelines, which are incorporated into these Terms by reference and form part of your agreement with us. Where this page and those policies differ on what is or is not permitted, the stricter rule applies.

Content and conduct that sexualises a minor, that depicts a real person without their consent (including AI-generated "deepfake" media), or that falls under any of the other hard prohibitions in the Acceptable Use Policy is never permitted and results in immediate removal, account termination and, where the law requires it, a report to the relevant authorities.

4. Single sign-on across Folo, Fanogram and Receipt

Folo, Fanogram and Receipt are separate, standalone products built on shared account, identity, chat, vault and payment systems operated by Social Commerce Ltd. Signing in with the same credentials on any of the three products signs you into the same underlying account where that product supports it; you do not need to register separately with each one.

Certain account-level choices, such as your cookie and privacy consent, are stored against your account and honoured across all three products rather than being asked again on each one. Where a feature on one product reads data created on another (for example, a creator profile synced from Folo into Fanogram, or a shared vault item), that sharing is described in the relevant section of our Privacy Policy, not here.

Deleting your account, or exercising a data-protection right described in our Privacy Policy, applies to the shared account and the data held on these shared systems; where a product keeps additional product-specific records, we will tell you if any of those records are unaffected by the request and why.

5. Subscriptions and purchases

Subscriptions, tips and pay-per-view purchases are charged to your saved payment method. Recurring subscriptions renew automatically until you cancel them; cancelling stops future billing and you keep access until the end of the period you already paid for. Fees and pricing are never stated on this page; see our current pricing on the relevant purchase screen in the product.

Refund eligibility, chargeback consequences and the digital-content cancellation waiver are set out in our Refund & Billing Terms, which form part of these Terms.

6. Account balances, ledger and errors

Balances displayed in your Folo account (including any wallet, earnings or commission balance) are a record of entitlements maintained by us. They are not a deposit account, e-money or stored funds held for you, and no interest accrues on them.

A displayed balance is provisional until paid out. Amounts are only validly credited to a balance where the underlying payment giving rise to them has been actually made and settled. If a payment fails, is declined, is reversed, is charged back, or is not collected for any reason, no entitlement arises in respect of it, regardless of what any balance may display.

We may at any time correct errors in any balance or transaction record, including duplicated entries, amounts credited where the underlying payment failed or was never collected, technical faults, and credits applied in error. Where we make a correction we will notify you and, on request, provide a transaction-level statement of the affected entries. A correction made in good faith under this section is not a breach of these Terms. Our liability in respect of any balance error is limited to restoring the balance to the amount properly recordable under these Terms.

Any promotional, goodwill or platform-issued credit which we add to a balance at our discretion is not earned income, may be subject to conditions, may expire, and may be withdrawn or adjusted by us where issued in error. Platform-issued credit is not redeemable for cash except where we expressly say so.

7. Creator earnings and payouts

Creator earnings arise only from payments which have been actually made and settled by the paying user. If a payment fails, is declined, is reversed, or is not collected for any reason, no earnings arise in respect of it, and we may correct any balance which was credited on the basis of such a payment, notifying you and providing an itemised statement of the affected transactions on request.

Credit which you purchase is distinct from any promotional or platform-issued credit which we may add to your wallet at our discretion, which is not purchased funds, is not redeemable for cash, and may be withdrawn or adjusted by us where issued in error.

8. Intellectual property and reporting infringement

You must own or have the rights to all content you provide, and must not infringe anyone's copyright, trademark or other rights. Copyright complaints are handled under our Copyright & DMCA Policy. We may terminate the accounts of users who repeatedly infringe; we have not published a fixed strike count, and apply the policy on a case-by-case, reasonably-implemented basis, consistent with how our operator applies it on its other products.

9. Limitation of liability

Folo is provided on an as-is, as-available basis to the fullest extent permitted by law. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including for death or personal injury caused by negligence, fraud, or a breach of your statutory rights as a consumer under the laws of England and Wales or the mandatory consumer-protection law of your country of residence.

10. Governing law and jurisdiction

These Terms of Service, and any dispute or claim arising out of or in connection with them, are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction to resolve any dispute or claim arising out of or in connection with these Terms, except that if you are a consumer resident in a country whose law gives you additional protections, nothing here takes away the protections that law gives you, including the right to bring proceedings in your own country.

11. Changes to these terms

We may update these Terms from time to time. Material changes will be communicated in-app or by email, and the "last updated" date above will change. Continued use after an update means you accept the revised Terms.