Terms of service
Last updated November 14, 2026
These terms are the agreement between you and Folkswise. By creating an account or using the free tool, you agree to them. Please also read our privacy policy.
What Folkswise does
We read and organize documents you send us, flag possible billing errors and scams, track deadlines, draft letters and phone scripts, and send your family a weekly summary. We help you stay on top of paperwork; you stay in charge of every decision.
What we don't do
- We don't give medical, legal, tax, financial or insurance advice, and we don't recommend specific Medicare or insurance plans.
- We don't pay bills, move money, or send letters for you. Nothing goes out without your action.
- We don't log in to banks or insurance accounts.
Accuracy and your final call
Our results come from automated reading and may be wrong or incomplete. Always check amounts, dates and details against the original documents before you pay, dispute, sign or send anything. You are responsible for the decisions you make. Flags such as “possible billing error” or “possible scam” are prompts to check, not conclusions.
Your authority
You confirm that you have your parent's permission, a power of attorney, or other legal authority to help with their paperwork, and that family members you invite should have access to it. You're responsible for the people you invite and the roles you give them.
Your account
You must be 18 or older. Keep your login and your family's private forwarding address secret, and tell us right away if you think someone else has access. Don't upload anything you don't have the right to share, or use the service for anything unlawful.
Plans, trials and billing
- Plans renew monthly until cancelled. Prices are shown on our website at sign-up.
- Free trials last 14 days (longer if you were referred by a partner). If you don't cancel before the trial ends, your plan starts and your card is charged.
- Owners can change plans or cancel any time from the Billing page. Cancellation takes effect at the end of the current billing period.
- We may change prices with at least 30 days' email notice before your next renewal.
Your content
You own your documents. You give us permission to store and process them only to provide the service to your family. See the privacy policy for how we protect and delete them.
Availability and changes
We work to keep Folkswise running reliably but can't promise it will always be available or error-free. We may improve or change features; if we remove something important, we'll tell owners in advance.
Limitation of liability
To the extent the law allows, Folkswise is provided “as is,” and our total liability for any claim related to the service is limited to the amount you paid us in the 12 months before the claim. We aren't liable for late fees, missed deadlines, or amounts paid or not paid based on our results. Some places don't allow these limits, so they may not apply to you.
Ending your account
You can close your account at any time. We may suspend accounts that break these terms or put others at risk. After closing, we delete your data as described in the privacy policy.
Changes to these terms
We'll email owners about important changes before they take effect.