Terms and Conditions

Last updated: September 7, 2026

Please read these Terms and Conditions ("Terms") carefully before using FOLIO-8 (the "Application" or "Service").

1.Interpretation and Definitions

1.1 Interpretation. Words with an initial capital letter have meanings defined under the following conditions. These definitions apply regardless of whether the terms appear in singular or plural form.

1.2 Definitions. For the purposes of these Terms:

2.Acknowledgment

These Terms govern the use of the Service and form the entire agreement between You and the Company regarding such use. They apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, You agree to be bound by these Terms. If You do not agree with any part of these Terms, You may not access or use the Service.

You represent that you are at least 18 years old. The Company does not permit persons under the age of 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Company's Privacy Policy, which describes how Your personal information is collected, used, and disclosed. Please review the Privacy Policy carefully before using the Service.

3.Eligibility and User Representations

By using the Service, You represent and warrant that:

  1. You have the legal capacity to agree to these Terms;
  2. You are not a minor in the jurisdiction in which You reside;
  3. You will not access the Service through automated or non-human means (bots, scripts, scrapers, etc.);
  4. You will not use the Service for any illegal or unauthorized purpose;
  5. Your use of the Service will not violate any applicable law or regulation; and
  6. You are not located in, and are not a resident of, any jurisdiction where use of the Service would be unlawful, including jurisdictions where real-money or simulated gambling content is prohibited or restricted.

If any information You provide is untrue, inaccurate, outdated, or incomplete, the Company reserves the right to suspend or terminate Your account and refuse any current or future use of the Service.

4.Intellectual Property Rights

Unless otherwise indicated, the Service is the Company's proprietary property. All source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics on the Service (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"), are owned or controlled by the Company or licensed to the Company, and are protected by copyright, trademark, and other intellectual property laws.

The Content and Marks are provided "AS IS" for Your information and personal, non-commercial use only. Except as expressly permitted by these Terms, no part of the Content or Marks may be copied, reproduced, republished, uploaded, distributed, sold, licensed, or otherwise exploited for any commercial purpose without the Company's prior written permission.

Provided You are eligible to use the Service, the Company grants You a limited, revocable, non-exclusive, non-transferable license to access and use the Application for Your personal, non-commercial entertainment purposes only. All rights not expressly granted to You are reserved by the Company.

5.Prohibited Activities

You agree not to:

  1. Use the Service for any purpose other than that for which it is made available;
  2. Systematically retrieve data from the Service to build a collection or database without written permission;
  3. Attempt to defraud or mislead the Company or other users, including attempts to obtain account credentials;
  4. Circumvent, disable, or interfere with security-related features of the Service;
  5. Use the Service to harass, abuse, or harm another person;
  6. Upload or transmit viruses, malware, or any material that disrupts the operation of the Service;
  7. Use any automated system (bots, scripts, data-mining tools) to interact with the Service;
  8. Attempt to reverse engineer, decompile, or disassemble any part of the Application, except where permitted by applicable law;
  9. Attempt to bypass any measures designed to prevent or restrict access to the Service;
  10. Impersonate another user or person;
  11. Use the Service for any revenue-generating or commercial purpose not expressly authorized by the Company;
  12. Use the Service in a manner inconsistent with any applicable law or regulation.

Violation of this section may result in suspension or termination of Your access to the Service, and the Company reserves the right to pursue appropriate legal remedies.

6.Virtual Items and In-App Purchases

The Application may allow You to purchase virtual coins, chips, or other virtual items ("Virtual Items") for use within the Service. Virtual Items have no monetary value, cannot be redeemed for real money or prizes, and are licensed to You on a limited, non-transferable, revocable basis for entertainment purposes only. Success in the Application does not imply future success in actual gambling. All purchases are final and non-refundable except as required by applicable law or the policies of the relevant Application Store.

7.Links to Third-Party Content

The Service may contain links to third-party websites, applications, or content ("Third-Party Content") that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any Third-Party Content. You acknowledge and agree that the Company is not liable, directly or indirectly, for any damage or loss caused by or in connection with Your use of or reliance on such Third-Party Content. We strongly advise You to review the terms and privacy policies of any third-party site You visit.

8.Termination

The Company may terminate or suspend Your access to the Service immediately, without prior notice or liability, for any reason, including without limitation Your breach of these Terms. Upon termination, Your right to use the Service ceases immediately. If Your account is terminated for any reason, You are prohibited from registering a new account under your name, a false name, or on behalf of a third party.

9.Disclaimer ("AS IS" / "AS AVAILABLE")

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND DEFECTS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to You. In such cases, exclusions will apply to the greatest extent permitted by law.

10.Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Company's entire liability, and Your exclusive remedy, for any claim arising from these Terms or the Service is limited to the amount actually paid by You through the Service in the twelve (12) months preceding the claim, or 100 USD if You have not made any purchase.

Some jurisdictions do not allow the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to You.

11.Indemnification

You agree to defend, indemnify, and hold harmless the Company, its Affiliates, and their respective officers, employees, and agents from and against any claim, liability, damage, loss, or expense (including reasonable legal fees) arising out of or related to: (a) Your use of the Service; (b) Your breach of these Terms; (c) Your violation of any applicable law or third-party right; or (d) any harmful act directed at another user through the Service.

12.Electronic Communications

By using the Service, You consent to receive communications from the Company electronically, and You agree that all agreements, notices, and disclosures provided electronically satisfy any legal requirement that such communications be in writing.

13.Governing Law and Dispute Resolution

These Terms are governed by the laws of the Country, excluding its conflict-of-law rules, without prejudice to any mandatory consumer-protection provisions of Your country of residence.

If You have a concern or dispute, You agree to first attempt to resolve it informally by contacting the Company at the address below. EU consumers may also access the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr.

14.United States Legal Compliance

You represent and warrant that You are not located in a country subject to a U.S. government embargo or designated as "terrorist supporting," and that You are not listed on any U.S. government list of prohibited or restricted parties.

15.Severability and Waiver

If any provision of these Terms is found unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect. The Company's failure to enforce any right or provision shall not constitute a waiver of that right or provision.

16.Translation

These Terms may be made available to You in translation. In the event of any conflict between a translated version and the English version, the original English text shall prevail.

17.Changes to These Terms

The Company reserves the right, at its sole discretion, to modify these Terms at any time. If a change is material, the Company will make reasonable efforts to provide at least 30 days' notice before the new terms take effect. What constitutes a material change is determined at the Company's sole discretion. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

18.Contact Us

If You have any questions about these Terms, please contact us:

By email: