Legal Information

Comprehensive legal documentation for Agni Folio users including terms, privacy, security policies, and compliance information.
Terms of Service
Privacy Policy
Security Policy
Copyright & DMCA
GDPR Compliance
Cookie Policy

1. Definitions

For the purposes of these Terms and Conditions:

  • Company (referred to as either "the Company", "we", "us" or "our") refers to Agni Folio
  • Account means a unique account created for you to access our Service
  • Service refers to the Agni Folio portfolio management application
  • You means the individual accessing or using the Service
  • Content refers to data, text, images, or other information that can be posted or uploaded by you
  • Personal Data is any information that relates to an identified or identifiable individual
2. Acceptance of Terms

By accessing and using Agni Folio ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service. Your access to and use of the Service is also conditioned on your acceptance of our Privacy Policy.

3. Service Description

Agni Folio is a personal portfolio tracking and management application that allows users to:

  • Track investment portfolios across multiple accounts
  • Monitor performance metrics and analytics
  • Calculate net worth and financial projections
  • Access AI-powered portfolio insights
  • Export portfolio data for personal use
4. Subscription Terms

Some features of the Service may be available only with a paid subscription. You will be billed in advance on a recurring basis (monthly or annually), depending on the subscription plan you select.

  • Subscriptions automatically renew unless cancelled
  • You may cancel your subscription at any time through your account settings
  • No refunds for partial subscription periods
  • We reserve the right to modify subscription fees with 30 days notice
5. Fair Usage Policy

To ensure optimal performance for all users, we maintain fair usage guidelines:

  • Reasonable limits on API calls and data processing
  • No automated or bulk data extraction
  • Single user per account (no sharing credentials)
  • Commercial use requires appropriate licensing
6. User Accounts

To access certain features of the Service, you must register for an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain the security of your password and account
  • Notify us immediately of any unauthorized use of your account
  • Accept responsibility for all activities under your account
7. Financial Disclaimer

Important: Agni Folio is not a registered financial advisor or broker-dealer. We do not provide personalized financial, investment, tax, or legal advice. All information provided is for informational purposes only and should not be considered as specific advice or recommendations. Investment decisions should be based on your own research and risk tolerance.

8. Data Security

We implement industry-standard security measures to protect your data, including:

  • Encryption of data in transit and at rest
  • Secure authentication via Google OAuth
  • Regular security audits and updates
  • Limited access controls for our staff
9. Intellectual Property

The Service and its original content, features, and functionality are owned by Agni Folio and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

10. Prohibited Uses

You may not use the Service:

  • For any unlawful purpose or to solicit others to unlawful acts
  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • To submit false or misleading information
11. Limitation of Liability

In no event shall Agni Folio, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, punitive, consequential, or special damages arising out of or related to your use of the Service.

12. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support.

Personal Information:
  • Name and email address (via Google OAuth)
  • Profile picture (if provided via Google)
  • Portfolio and financial data you input
  • Account preferences and settings
Usage Information:
  • Log data (IP address, browser type, operating system)
  • Device information and identifiers
  • Usage patterns and feature interactions
  • Performance and error data
2. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Process transactions and manage your account
  • Send you technical notices and support messages
  • Respond to your comments and questions
  • Analyze usage patterns to improve user experience
  • Detect and prevent fraud and abuse
3. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

  • With your explicit consent
  • To comply with legal obligations
  • To protect our rights and prevent fraud
  • With service providers who assist in our operations (under strict confidentiality agreements)
5. Data Retention

We retain your personal data only for as long as necessary to provide our services and comply with legal obligations. Account data is deleted within 30 days of account closure.

6. Your Rights

Under applicable data protection laws, you have the right to:

  • Access and receive a copy of your personal data
  • Rectify inaccurate or incomplete personal data
  • Erase your personal data in certain circumstances
  • Restrict processing of your personal data
  • Data portability
  • Object to processing based on legitimate interests
7. International Data Transfers

Your information may be transferred to and maintained on computers located outside your jurisdiction. We ensure appropriate safeguards are in place for international transfers.

8. Third-Party Services

We use carefully selected third-party services to enhance our platform:

  • Google Analytics for usage analytics
  • Google OAuth for secure authentication
  • Cloud hosting providers for data storage
  • Payment processors (if applicable)
9. Children's Privacy

Our service is not intended for children under 18. We do not knowingly collect personal data from children under 18. If we discover such data, we will delete it promptly.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Your Rights

You have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your account and data
  • Object to processing of your information
  • Request data portability
6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and maintain security. You can control cookie settings through your browser preferences.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide services. We will delete your information upon request, subject to legal retention requirements.

8. International Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

1. Data Protection Measures

We implement comprehensive security measures to protect your financial data:

  • Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
  • Authentication: Secure OAuth 2.0 integration with Google
  • Access Controls: Role-based access with principle of least privilege
  • Monitoring: Continuous security monitoring and threat detection
  • Auditing: Regular security audits and penetration testing
2. Infrastructure Security

Our infrastructure is built with security-first principles:

  • Cloud-based architecture with enterprise-grade security
  • Automated backup and disaster recovery procedures
  • Network security with firewalls and intrusion detection
  • Regular security updates and patch management
3. User Security Best Practices

To help protect your account, we recommend:

  • Use a strong, unique password for your Google account
  • Enable two-factor authentication on your Google account
  • Log out of the application when using shared devices
  • Keep your browser and devices updated
  • Report any suspicious activity immediately
4. Incident Response

In the unlikely event of a security incident, we have procedures in place to:

  • Quickly detect and contain the incident
  • Assess the scope and impact
  • Notify affected users within 72 hours
  • Implement corrective measures
  • Conduct post-incident analysis and improvements
5. Vulnerability Reporting

If you discover a security vulnerability, please report it responsibly to support@agnifolio.com. We appreciate responsible disclosure and will work with you to address any issues.

1. Intellectual Property Rights

Agni Folio respects the intellectual property rights of others and expects users to do the same. All content, trademarks, and other intellectual property on this service are owned by Agni Folio or our licensors.

2. User Content

You retain ownership of any content you upload or create using our service. By using our service, you grant us a limited license to use, store, and display your content solely for the purpose of providing our services to you.

3. DMCA Compliance

We comply with the Digital Millennium Copyright Act (DMCA) and will respond to valid takedown notices. If you believe your copyrighted work has been copied in a way that constitutes copyright infringement, please provide our DMCA agent with the following information:

  • A physical or electronic signature of the copyright owner
  • Identification of the copyrighted work claimed to be infringed
  • Location of the allegedly infringing material
  • Your contact information (address, phone, email)
  • A good faith belief statement that the use is not authorized
  • A statement of accuracy under penalty of perjury
4. DMCA Contact Information

DMCA notices should be sent to:

DMCA Agent

Agni Folio

Email: support@agnifolio.com

5. Counter-Notification

If you believe your content was removed in error, you may file a counter-notification containing the required information under the DMCA.

1. GDPR Compliance Statement

Agni Folio is committed to complying with the General Data Protection Regulation (GDPR) for all users in the European Union. We process personal data lawfully, fairly, and transparently.

2. Legal Basis for Processing

We process your personal data based on:

  • Contract Performance: To provide our services to you
  • Legitimate Interest: To improve our services and ensure security
  • Consent: For marketing communications (where applicable)
  • Legal Obligation: To comply with applicable laws
3. Your Rights Under GDPR

As a data subject, you have the right to:

  • Access: Request information about your personal data
  • Rectification: Correct inaccurate personal data
  • Erasure: Request deletion of your personal data
  • Restriction: Limit processing of your personal data
  • Portability: Receive your data in a structured format
  • Object: Object to processing based on legitimate interests
  • Withdraw Consent: Withdraw consent for consent-based processing
4. Data Protection Officer

For GDPR-related inquiries, please contact our Data Protection Officer at support@agnifolio.com.

5. Data Transfers

When we transfer personal data outside the EU, we ensure appropriate safeguards are in place, including Standard Contractual Clauses or adequacy decisions.

6. Supervisory Authority

You have the right to lodge a complaint with your local data protection supervisory authority if you believe we have not handled your personal data in accordance with GDPR.

1. What Are Cookies

Cookies are small text files that are stored on your device when you visit our website. They help us provide you with a better experience by remembering your preferences and enabling essential functionality.

2. Types of Cookies We Use
Strictly Necessary Cookies

These cookies are essential for the website to function properly and cannot be disabled. They are usually set in response to actions you take, such as logging in or filling out forms.

  • Session Management: Maintains your login state and session security
  • Authentication: Verifies your identity through Google OAuth
  • Security: Protects against cross-site request forgery (CSRF) attacks
  • Load Balancing: Ensures optimal server performance

Legal Basis: Legitimate interest - These cookies are necessary for the basic functionality of our service and do not require consent under GDPR.

Analytics Cookies (Optional)

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. We use Google Analytics for this purpose.

  • Google Analytics (GA4): Tracks page views, user interactions, and website performance
  • Usage Patterns: Helps us improve user experience and identify popular features
  • Performance Metrics: Monitors website speed and technical issues
  • Privacy-Enhanced: IP anonymization and no ad personalization enabled

Legal Basis: Consent - These cookies require your explicit consent under GDPR and can be disabled at any time through our cookie preferences.

3. Cookie Duration
  • Session Cookies: Deleted when you close your browser
  • Persistent Cookies: Remain for up to 2 years (Google Analytics)
  • Authentication Tokens: Expire based on your login session
4. Managing Your Cookie Preferences

You have full control over which cookies you accept:

  • Cookie Banner: Accept or reject analytics cookies on your first visit
  • Cookie Preferences: Change your settings anytime via the footer link
  • Browser Settings: Disable all cookies through your browser (may affect functionality)
  • Opt-out: Reject analytics cookies without affecting essential features
5. Third-Party Cookies

We only use cookies from trusted third-party services:

  • Google Analytics: Website analytics and performance monitoring
  • Google OAuth: Secure authentication and login services

We do not use cookies for advertising, tracking across other websites, or selling your data to third parties.

6. Your Rights

Under GDPR and other privacy laws, you have the right to:

  • Know what cookies we use and why
  • Give or withdraw consent for non-essential cookies
  • Access and delete your data collected through cookies
  • Object to processing based on legitimate interests
7. Contact Us

If you have questions about our use of cookies or want to exercise your rights, please contact us at privacy@agnifolio.com

8. Updates to This Policy

We may update this Cookie Policy from time to time. Any changes will be posted on this page with an updated "last modified" date.

Questions About Our Legal Policies?

If you have any questions about these legal documents or need clarification on any of our policies, please don't hesitate to contact us.

Contact Us
support@agnifolio.com

This legal page was last updated on June 8, 2025. We may update these policies from time to time, and will notify users of material changes.

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