Terms and conditions

1. Acceptance of Terms

By accessing or using the MyFolio SaaS (Software as a Service) product ("Service"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Service.

2. Description of Service

MyFolio provides a cloud-based platform for [brief description of the services provided]. Users are responsible for obtaining and maintaining the necessary hardware, software, and internet access needed to use the Service.

3. User Accounts

Users must create an account to access certain features of the Service. Users are responsible for maintaining the confidentiality of their account information and are liable for all activities that occur under their account.

4. Payment and Billing

Payment details, including subscription fees and billing information, are outlined on our website. By subscribing to our Service, you agree to pay the specified fees. MyFolio reserves the right to modify pricing and billing terms with notice.

5. Intellectual Property

All content and materials available on the Service, including but not limited to text, graphics, logos, and software, are the property of MyFolio and are protected by intellectual property laws.

6. Data Privacy

MyFolio collects and processes user data as outlined in our Privacy Policy. By using the Service, you consent to the collection, use, and sharing of your information as described therein.

7. Termination

MyFolio reserves the right to suspend or terminate user accounts without notice for violation of these Terms and Conditions or for any other reason.

8. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, either express or implied. MyFolio disclaims all warranties, including but not limited to the implied warranties of merchantability and fitness for a particular purpose.

9. Limitation of Liability

In no event shall MyFolio be liable for any indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of the Service.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of New Zealand.

11. Changes to Terms

MyFolio reserves the right to modify these Terms and Conditions at any time. Users are responsible for regularly reviewing the terms. Continued use of the Service after changes constitute acceptance.