Version 3.0 – Effective 11 September 2026
Foliostone [SA / Sàrl], a company under Swiss law in the course of formation, with its registered office at [Address], Switzerland ("Foliostone"), publishes a SaaS software platform for tracking and organising wealth, accessible online, through mobile applications and through an application programming interface (the "Service").
These terms of service (the "Terms") govern any use of the Service by any natural or legal person (the "User"). Together with the Privacy Policy, the Cookie Policy and the pricing terms in force as published on the Service, they form the entire agreement between the parties (the "Agreement"). In the event of conflict, the Terms prevail over any other document, unless otherwise specifically agreed in writing and signed by Foliostone.
1.1. Use of the Service constitutes full and unreserved acceptance of the Terms. Acceptance given electronically when the account is created is equivalent to a signature within the meaning of art. 14 para. 2bis of the Swiss Code of Obligations (CO).
1.2. The User declares that they are of legal age and have legal capacity, or that they hold the powers required to bind the legal entity on whose behalf they act.
1.3. Foliostone may make registration subject to access conditions (invitation, waiting list, checks) and may refuse or defer any registration, within the limits of the law and without having to give reasons.
2.1. The Service provides the User with tools to record, organise, consolidate, visualise, analyse and project information relating to their wealth, as described in the documentation and interface in force. The exact scope of the features available depends on the plan subscribed to and may change.
2.2. The Service is a tool for information, organisation and support in reflection. Under no circumstances does it constitute an advisory service. Foliostone provides no investment, tax, legal, accounting, estate or wealth advice, executes no transactions, holds, manages or keeps no assets in custody, and carries on no activity subject to authorisation or supervision by a financial market supervisory authority, in Switzerland or abroad.
2.3. Any information, indicator, calculation, simulation, projection, alert, summary, recommendation or content produced by the Service — whether resulting from calculation rules, third-party data or artificial intelligence systems — (the "Results") is strictly indicative and general in nature. The Results rely on the data supplied by the User, on third-party data whose accuracy Foliostone does not control, and on simplifying assumptions and parameters that do not take the User's particular situation into account. They cannot, on their own, form the basis of a decision. The User acknowledges that it is their responsibility to verify the Results and, before any decision, to consult duly qualified professionals (financial adviser, lawyer, notary, chartered accountant, tax specialist).
2.4. Foliostone may, at any time and without incurring liability, develop the Service and modify, suspend or remove features, integrations or data sources, in particular for technical, regulatory, security or commercial reasons. Features presented as "beta", "preview", "experimental" or equivalent terms are provided without any warranty and may be withdrawn without notice.
3.1. The User provides accurate information and keeps it up to date. The User is solely responsible for the confidentiality of their credentials, authentication methods and recovery codes, and for any use of their account. Any operation carried out from their account is deemed to have been carried out by them.
3.2. Foliostone may impose enhanced authentication measures (in particular multi-factor authentication), especially for certain plans or sensitive operations, and may make access to the Service conditional upon them. Loss of the authentication methods may make the account permanently inaccessible; Foliostone is not liable for this.
3.3. The User informs Foliostone without delay of any unauthorised use of their account or of any security breach of which they become aware, at support@foliostone.com.
3.4. Where the Service allows shared spaces to be created, third parties to be invited or sharing links to be generated, the User who initiates the access is solely responsible for it: they answer for the acts of the persons they invite, for the choice of data shared, for revoking access and for informing the persons concerned. Sharing credentials is prohibited.
4.1. The Service is offered under one or more plans, free or paid, whose content, limits and prices are those published on the Service on the day of subscription (the "Pricing Terms"). Prices are exclusive of taxes; applicable taxes are added at payment.
4.2. Paid plans are subscribed to for the term stated in the Pricing Terms and renew automatically for an identical term, unless terminated by the User before the renewal date under the conditions of article 12. Payment is due in advance, by the payment methods offered, through a third-party payment provider whose terms the User accepts; Foliostone stores no complete payment card data. Invoices are issued and made available in electronic form, which the User accepts.
4.3. Any free trial period converts automatically into a paid subscription at its end, unless terminated beforehand.
4.4. A change of plan takes effect in the manner indicated on the Service. When switching to a plan whose limits are below the observed usage, including following a payment default, Foliostone may restrict features and the creation of new items, with existing data remaining viewable and exportable.
4.5. In the event of a payment default not remedied after notification, Foliostone may restrict, suspend or downgrade access to the Service. Unpaid sums bear interest at the statutory rate (art. 104 CO), without prejudice to any other rights.
4.6. Foliostone may modify the Pricing Terms subject to reasonable notice of no less than thirty (30) days, given by any means. The new price applies from the next renewal; a User who refuses it may terminate free of charge before it takes effect.
4.7. Unless mandatory law or an express provision provides otherwise, sums paid are non-refundable, access to the paid plan being maintained until the end of the period paid for.
4.8. EEA consumers. A User who is a consumer and resides in the European Economic Area has fourteen (14) days from subscribing to a paid plan to withdraw without giving reasons, by an unambiguous statement sent to support@foliostone.com (a model form is provided in the annex). By requesting immediate performance of the Service, the User acknowledges that, in the event of withdrawal, they will owe an amount proportionate to the Service provided up to the notification. Swiss law provides no right of withdrawal for contracts concluded online.
5.1. The User uses the Service in accordance with the Agreement, the law and the rights of third parties. In particular, the User undertakes not to: (a) enter data they are not legitimately entitled to use, or data concerning third parties without authorisation; (b) use the Service for unlawful purposes, in particular money laundering, fraud or the concealment of assets; (c) impair the security, integrity or operation of the Service, or access data or systems without authorisation; (d) decompile, disassemble or reverse-engineer the Service, or extract data from it by automated means outside the interfaces provided; (e) resell, rent, sub-license or make the Service available to third parties outside the mechanisms provided; (f) circumvent the limits of their plan or any technical measure.
5.2. The User is solely responsible for the data, documents and content they enter, import, connect or upload (the "User Data"), for their accuracy, lawfulness and updating, and for the connections to third-party services (in particular banking services) that they authorise. Foliostone exercises no control over the User Data.
5.3. The User warrants and indemnifies Foliostone, its officers, employees and subcontractors against any claim, action, damage, judgment and costs (including reasonable legal fees) arising from a breach of their obligations, from unlawful use of the Service, from the User Data or from the persons to whom they have granted access.
6.1. The Service relies on third-party providers and sources, in particular for hosting, payment, sending communications, bank account aggregation, document recognition, market and exchange-rate data, and artificial intelligence models. These providers are independent of Foliostone; their use may be subject to their own terms, which the User accepts by activating the corresponding feature.
6.2. When connecting a bank account, the User directly mandates the licensed aggregation provider to access their account data on a read-only basis and to transmit it to Foliostone, and warrants that they are the holder of, or duly authorised on, those accounts. Foliostone never accesses the User's banking credentials and initiates no payments.
6.3. Foliostone guarantees neither the accuracy, nor the completeness, nor the continuity, nor the availability of third-party data and services, which are provided "as is". Any data extracted automatically (import, document recognition, artificial intelligence) must be verified by the User before use.
7.1. Certain features rely on artificial intelligence systems, where applicable supplied by third parties. They are activated by decision of the authorised User, after being informed, and may be deactivated at any time. Activation entails acceptance of the transmission of the data required, under the conditions of the Privacy Policy.
7.2. Content generated by artificial intelligence is produced automatically and probabilistically. It may be inaccurate, incomplete, out of date or inappropriate, and constitutes Results within the meaning of article 2.3. The User verifies it before any use and remains solely responsible for it. Foliostone takes no decision producing legal effects concerning the User on the basis of solely automated processing.
8.1. The User retains all rights in the User Data. The User grants Foliostone, for the term of the Agreement, a non-exclusive, worldwide, royalty-free licence to host, reproduce, process, adapt and display the User Data to the extent necessary to provide, secure, support and improve the Service, and to comply with its legal obligations.
8.2. Foliostone treats the User Data confidentially, accesses it only to the extent necessary (support, security, legal obligations) and neither sells nor discloses it to third parties for commercial or advertising purposes. Foliostone may freely compile and use aggregated and anonymised statistical data that does not allow a User to be identified.
8.3. The User may export their User Data in the formats offered by the Service. It is the User's responsibility to keep their own copies; Foliostone assumes no retention obligation beyond the periods stated in the Privacy Policy.
8.4. Deletion of the account or of a workspace results in the deletion of the associated User Data at the end of the grace and purge periods stated on the Service and in the Privacy Policy, subject to legal retention obligations. This deletion is irreversible.
8.5. The processing of personal data is governed by the Privacy Policy, which forms an integral part of the Agreement. Where the User processes their own clients' data through the Service, the User is the controller of that processing and Foliostone acts as processor in accordance with the data processing agreement available on request.
9.1. The Service and all of its components (software, interfaces, calculation engines, databases, documentation, trademarks, logos, content) are and remain the exclusive property of Foliostone or its licensors. The Agreement entails no assignment of rights.
9.2. Foliostone grants the User, for the term of the Agreement and within the limits of their plan, a personal, non-exclusive, non-assignable, non-transferable and revocable right to access the Service and to use it in accordance with its intended purpose. Any other use is prohibited.
9.3. Any technical keys and access credentials provided (API) are personal; the User keeps them confidential and answers for their use. Foliostone may limit or revoke them at any time for security or load reasons.
9.4. Any suggestion, idea or feedback communicated by the User may be freely used by Foliostone, without consideration or restriction.
10.1. Foliostone endeavours to provide continuous access to the Service, without being bound by an obligation of result. Foliostone may interrupt the Service for maintenance, updates, or for any technical or security reason, informing the User where possible.
10.2. Foliostone implements technical and organisational security measures appropriate to the sensitivity of the data, as described in the Privacy Policy and on the Service. The User acknowledges that no system is infallible and, for their part, implements reasonable measures to protect their access credentials and devices.
10.3. Support is provided electronically in the manner indicated on the Service, without any commitment as to response time unless the subscribed plan provides otherwise.
11.1. Within the limits of mandatory law, the Service is provided "as is" and "as available". Foliostone excludes any express or implied warranty, in particular of fitness for a particular purpose, accuracy, completeness, availability, continuity or absence of error, whether of the Service, the Results, third-party data or content generated by artificial intelligence.
11.2. Foliostone is liable, in accordance with art. 97 et seq. CO, only for direct damage caused by wilful misconduct or gross negligence. Any liability for slight negligence is excluded to the extent permitted by art. 100 para. 1 CO; liability for auxiliaries and subcontractors is excluded to the extent permitted by art. 101 para. 2 CO.
11.3. Foliostone's liability is in any event excluded in respect of: (a) decisions taken or not taken by the User or third parties on the basis of the Service or the Results; (b) the User Data and third-party data or services; (c) indirect, consequential, intangible or unforeseeable damage, such as loss of revenue, profit, chance, opportunity, data, reputation or clientele, tax reassessments or penalties; (d) the unavailability, suspension or modification of the Service; (e) access granted by the User to third parties; (f) force majeure events and failures of networks or third-party providers.
11.4. Subject to wilful misconduct and gross negligence, Foliostone's aggregate liability under the Agreement, all causes and all heads of loss combined, is limited to the amount actually paid by the User during the twelve (12) months preceding the event giving rise to the claim, and to one hundred (100) Swiss francs for any User of a free plan.
11.5. The above exclusions and limitations do not apply to the extent that the mandatory law applicable to the User, in particular the consumer law of their State of residence in the EEA, prohibits them; they then apply to the fullest extent permitted.
12.1. The Agreement takes effect upon creation of the account and continues for as long as the account exists.
12.2. The User may at any time terminate a paid plan (with effect at the end of the current period) or delete their account (with immediate effect, subject to the grace period provided on the Service), without refund of the period already begun.
12.3. Foliostone may terminate the Agreement: (a) for convenience, subject to thirty (30) days' notice, with a pro-rata refund of the sums paid for the unused portion of the paid period; (b) with immediate effect and without compensation, in the event of a breach of the Agreement by the User, of conduct harmful to the Service, to Foliostone or to third parties, of an order from an authority, or of discontinuation of the Service; (c) for inactive free accounts, after a notification that has remained without effect for a reasonable period.
12.4. Foliostone may suspend access to the Service, in whole or in part and without notice, in the event of a security risk, suspected unlawful or abusive use, payment default or legal obligation, without such suspension giving rise to any right to compensation.
12.5. The end of the Agreement, whatever its cause, does not affect the provisions which by their nature are intended to survive, in particular articles 5.3, 8, 9, 11, 14 and 15.
Neither party is liable for a failure due to an event beyond its reasonable control (in particular natural disaster, war, act of terrorism, epidemic, decision of an authority, strike, power or network failure, cyberattack, failure of an essential provider). If the event lasts more than sixty (60) days, either party may terminate the Agreement without compensation.
Foliostone may amend the Terms at any time. Material amendments are notified by any means at least thirty (30) days before they take effect; a User who refuses them may terminate free of charge before that date. Continued use of the Service after the effective date constitutes acceptance. Amendments required by law, by an authority or intended to correct an error apply immediately.
15.1. The Agreement is governed by Swiss law, to the exclusion of its conflict-of-laws rules and of the United Nations Convention on Contracts for the International Sale of Goods.
15.2. Any dispute relating to the Agreement is subject to the exclusive jurisdiction of the courts at Foliostone's registered office, in Switzerland, subject to appeal to the Swiss Federal Supreme Court.
15.3. The above provisions apply without prejudice to the mandatory consumer-protection provisions of the User's State of habitual residence, or to the mandatory forums provided for in particular by the Lugano Convention. Foliostone is not required to take part in consumer mediation proceedings.
16.1. The Agreement constitutes the entire agreement between the parties and supersedes any prior agreement relating to its subject matter.
16.2. The invalidity or unenforceability of a provision does not affect the others; the provision concerned is replaced by a valid provision of equivalent economic effect.
16.3. Foliostone's failure to rely on a breach does not constitute a waiver.
16.4. The User may not assign the Agreement without Foliostone's written consent. Foliostone may freely assign or transfer the Agreement to any successor entity, in particular the company once registered in the commercial register, or to an entity of its group.
16.5. Notices are validly given by e-mail to the address registered on the User's account or by notification within the Service, and to legal@foliostone.com for Foliostone.
16.6. The Terms are drawn up in French. In the event of any discrepancy with a translation, the French version prevails.
(Complete and return this form only if you wish to withdraw from the contract.)
To Foliostone, [Address], Switzerland – support@foliostone.com
I/we (*) hereby give notice that I/we (*) withdraw from my/our (*) contract for the provision of the Foliostone service, subscribed to on [date].
Name of consumer(s): ______________________
Address of consumer(s): ______________________
E-mail address of the account: ______________________
Date: ______________________
Signature (only if this form is notified on paper): ______________________
(*) Delete as appropriate.
