Terms of Service

Welcome to Folio X-Ray ("we", "us"). By using this website and its tools you agree to these terms. If you do not agree, please do not use the service.

1. Educational purpose only

Folio X-Ray provides educational analysis of portfolio concentration based on the holdings you enter and approximate, publicly available fund-composition snapshots. It is not investment advice, a recommendation, or a solicitation to buy or sell any security. We are not a SEBI-registered investment adviser. Always do your own research or consult a licensed professional.

2. No guarantee of accuracy

Fund holdings change continuously. Our snapshots may be stale or approximate, and residual holdings are modelled as diversified. Figures are estimates. We make no warranty that any output is accurate, complete, or current.

3. Acceptable use

You agree not to misuse the service, attempt to disrupt it, scrape it at scale, or use it for unlawful purposes.

4. Accounts and payment

Paid plans are billed via Razorpay and Stripe. By subscribing you authorise recurring charges until you cancel. See our Refund & Cancellation Policy.

5. Limitation of liability

To the maximum extent permitted by law, we are not liable for any investment losses or any indirect, incidental, or consequential damages arising from your use of the service.

6. Changes

We may update these terms; continued use constitutes acceptance. Contact: founders@folio-xray.app.