1. No-refund policy
All subscription fees, one-time payments, and plan upgrades processed through Folio are final and non-refundable. By completing a purchase, you acknowledge and agree to this policy.
This applies to, but is not limited to:
- Monthly and annual subscription fees
- Partial periods of any subscription cycle
- Plan upgrades (e.g., moving from Essential to Full Suite)
- Purchases made while a promotional or discounted pricing offer was active
2. Why we do not offer refunds
Folio is a digital services platform. Upon payment, you receive immediate access to our software features, AI infrastructure, and computing resources. Because these resources are consumed at the point of access, we are unable to recover or reverse their cost once delivered.
This is consistent with how digital and software-as-a-service (SaaS) products are handled under standard e-commerce practice and applicable Malaysian consumer law for digital goods and services.
3. Cancellation
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing cycle — you will retain access to your paid plan until that date. No further charges will be made after cancellation.
Cancelling a subscription does not entitle you to a refund for any remaining time in the current billing period.
4. Exceptional circumstances
We understand that unusual situations can arise. In the rare event of a verifiable technical failure on our end that prevented you from accessing the service you paid for, we will investigate in good faith and, where appropriate, may offer account credit or a remediation at our sole discretion.
Such determinations are made case by case and do not constitute a general right to a refund or a precedent for future requests.
5. Duplicate or erroneous charges
If you believe you were charged in error — for example, charged twice for the same period — please contact us immediately at [email protected] with your account email and transaction details. We will review and, if an error is confirmed, resolve it promptly.
6. Disputes & chargebacks
We encourage you to contact us before initiating a payment dispute with your bank or card provider. Filing a chargeback without first attempting to resolve the matter with us may result in the suspension of your account pending the outcome of the dispute.
7. Changes to this policy
We may update this policy from time to time. The effective date at the top of this page will reflect the most recent revision. Continued use of the service after any changes constitutes acceptance of the updated policy.
8. Contact
For billing queries, please contact us at: