Last updated: 24 September 2026

These Terms govern your use of MyFolks, operated by MyFolks LLC (“we”, “us”, “our”). By creating an account or using MyFolks you agree to these Terms, our Guidelines and our Privacy Policy.

1. Eligibility and your account

• 18 or over. You must be 18 to use MyFolks. We reserve the right to remove any account we learn belongs to someone under 18.
• Your account is your responsibility. You are responsible for the content you generate in your account with the tools we provide.

2. What the service is, and is not

MyFolks gives you AI characters (“Folks”) for conversation, learning and entertainment.

• AI-generated. Replies are generated by third-party AI providers, named in our Privacy Policy. Their output is based on what you write and on the conversation so far.
• Fictional, and unreliable by design. A Folk may exaggerate, mislead, flatter or withhold for narrative reasons. A Folk can be confidently wrong, including about subjects it is described as expert in. Being described as expert, skilled or experienced is part of a character’s fiction and does not guarantee accuracy or truthfulness. It is your responsibility, as an adult user, to verify anything you intend to act on.
• No professional advice, and no professional relationship. MyFolks LLC is not a medical practice, clinic or mental health provider, not a law firm, and not a bank, broker-dealer, registered investment adviser or financial planner, and is not licensed by any medical, legal or financial regulator. No Folk is a licensed professional, whatever its character says. Using MyFolks creates no doctor-patient, therapist-client, attorney-client, fiduciary or other professional or confidential relationship, and nothing a Folk says is privileged.
• Not diagnostic, and not a medical device. MyFolks does not diagnose, treat, cure, prevent or monitor any condition. A Folk cannot examine you and does not know your history, and must not tell you what is wrong or what to take. Equally, nothing it says is personalised financial, tax or legal advice or a recommendation to buy or sell anything.
• Folks change and can be withdrawn. We may alter, rename, reprice, retire or remove any Folk at any time without notice. Folks you create yourself are also subject to review and to these Terms.

3. Credits and payment

• Messages cost credits. The estimated cost of talking to each Folk is shown in the chat before you send your message. Longer messages and image attachments affect the cost, so the amount charged can differ from the estimate. You can see the actual cost after each exchange.
• Voice costs credits. Playing a Folk’s reply aloud generates audio and is charged in credits per clip, at the price shown before you press. Replaying is free.
• New accounts start with free credits. More can be bought. Credits are tied to your account and are not transferable, they have no cash value, and they are not refundable.
• If you delete your account, your unused credits are held. They are kept against a one-way hash of your email address and returned if you sign up again with the same address — see Privacy.
• Purchases are final. Credits already spent are not refunded, including where a Folk later changed or was withdrawn. If something goes wrong with a charge, contact us and we will look into it. Purchases made through the App Store or Google Play are also subject to that store’s own refund policy, which we do not control and cannot override.

4. Ownership: your Folk, our platform

• Your Folk. You own what you write, and let us host and show it on the platform. We reserve the right to review, edit or remove a Folk that breaks our safety rules. Deleting your account deletes the Folks you made — including other people’s conversations with them.
• What a Folk writes back. Yours, commercial use included. It is not exclusive — the same prompt may produce near-identical output for somebody else — and output from someone else’s Folk gives you no rights in that character. How you use it is your responsibility. We do not use your private conversations in marketing unless you have made them public yourself.
• Everything else is ours. MyFolks LLC owns the copyright in the apps and website, their code and design, our written pages, and the Folks we publish ourselves — their characters, avatars, prompts and safety instructions. All rights reserved; MyFolks and our logo are trademarks. Your use of MyFolks is personal and non-transferable. Without our written permission you may not copy, adapt, republish, sell or build a competing service from any of it, or scrape our prices, listings or page content. None of this takes back what is yours above.
• Other people’s conversations. Do not publish them, present an edited one as genuine, collect or scrape them in bulk, or use them to train another model. Reporting a problem is always fine.

5. Businesses a Folk may mention

• Not an endorsement. A mention is an automated match on a business’s categories, keywords and location. It is not vetting, certification or a guarantee of anything.
• Some listings pay. A business can pay to be shown ahead of others it ties with. Those are marked Sponsored where you see them, and paying does not change whether a listing matches you in the first place.
• We do not verify listed businesses. We make no representation about their existence, quality, safety, legality, licensing, insurance, pricing or fitness for anything. Reviewing a listing before publication is moderation of the listing text only.
• Any dealing is between you and them. We are not a party to it, take no commission from it, and are not liable for it. Verify any licence, credential or insurance that matters to you.

6. Safety, reporting and termination

• Safety rules override a Folk’s character. What we do about self-harm and crisis, how and when we tell you a Folk is AI, and the laws we work under are set out in Safety.
• These are instructions, not a guarantee. They are not deterministic and they can fail. A Folk may miss something serious. Do not depend on MyFolks to recognise an emergency. See Safety.
• Reporting. Report any Folk or message from the app, or contact us. Reports are read by a person.
• Termination. We may suspend or close an account that breaks these Terms, misuses the service, breaks our Guidelines or poses a risk to others.

7. Availability, warranties and liability

• “As is”. MyFolks is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, express or implied. We do not guarantee uptime, and we may change, limit or discontinue any part of the service at any time.
• Things outside our control. MyFolks depends on hosting, authentication, payment and AI providers we do not control. We are not liable for any delay, interruption or data loss caused by something outside our reasonable control, and our obligations pause while it lasts.
• Liability cap. To the maximum extent permitted by law, MyFolks LLC is not liable for indirect, incidental or consequential damages, and our total liability for any claim will not exceed what you paid us in the preceding 12 months.

8. Disputes, arbitration and class-action waiver

• Talk to us first. Before starting any formal proceeding, contact legal@myfolks.app and give us 30 days to resolve it. This does not limit your right to contact a regulator or consumer-protection authority.
• Binding individual arbitration. If that fails, disputes are resolved by binding individual arbitration under an established provider’s consumer rules, by documents, phone or video, or in person in Los Angeles County, California, at your choice. If we cannot agree on the provider, a court appoints one.
• Class-action waiver. Claims must be brought individually, not as a plaintiff or class member in any class or representative proceeding. If this waiver is unenforceable as to a particular claim, that claim alone goes to court.
• What arbitration does not cover. Either of us may bring an individual claim in small-claims court, or seek an injunction in court to protect intellectual property or stop unauthorised access. Nothing here waives a right that cannot be waived by agreement.
• Opt out within 30 days. Email legal@myfolks.app with arbitration opt-out in the subject line, within 30 days of first accepting these Terms, stating your name and your account email. You may also send it in writing to our registered agent (see below). It affects nothing else, and we will not treat you differently for it.

9. Law, changes and contact

• Governing law. California law, without regard to conflict-of-law rules. Disputes not in arbitration go to the state or federal courts of Los Angeles County — except where the law where you live gives you the right to bring proceedings elsewhere.
• Where we operate. MyFolks is run from the United States and is not directed at any particular country; you are responsible for the laws that apply where you are. If you think any part of MyFolks does not meet a requirement where you live, tell us at legal@myfolks.app with the specific rule and we will review it.
• Changes. We may update these Terms as the product changes. The version on this page is the current one, and continued use after an update means you accept it. If we materially change section 8, we will tell you in the app or by email and you get a fresh 30 days to opt out.
• Severability and entire agreement. If any part is unenforceable it is limited or removed to the minimum extent necessary and the rest stands. These Terms, with the Guidelines and Privacy Policy, are the entire agreement between us.
• Notices. Formal legal notices may be sent in writing to MyFolks LLC’s registered agent, whose name and address are on the public record of the California Secretary of State, or by email to legal@myfolks.app. Everything else — questions, reports, anything about your account — goes through contact us in the app and is handled far faster.