Folk
- The policy says your content is not used for AI training.
- Your data is used for personalized ads, including by third-party ad companies.
- Data is shared only with the providers who run the service.
- The policy describes staff access for safety and legal checks.
They say they never train on your data, but they can take location, health, contacts, and photos if you connect them.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
Collected
Account, chats, device use, plus optional location, Health, contacts, photos, and connected apps.
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Privacy policy
“your iPhone connections. only if you choose to connect them, folk receives the location, Apple Health categories, calendars, reminders, contacts, or photos you authorize.”
Training
They run Folk for you and say they never use your data to train AI models.
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Privacy policy
“we never use your data to train AI models.”
Sharing
Helpers who run the service, AI vendors for replies, and public gallery listings if you publish.
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Privacy policy
“we rely on a few trusted companies (the legal term for these is “”) to host, secure, deliver, and run folk.”
Kept
Delete in settings and they say live data is gone in seconds; backups linger a short while.
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Privacy policy
“when you delete your account from settings → privacy, we immediately remove your data from our live systems: your memory, messages, and chat history are deleted within seconds”
Controls
You can disconnect apps and iPhone data one by one, or delete the whole account.
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Privacy policy
“turn off Location, Health, Calendars, Reminders, Contacts, or notifications independently in the folk app.”
Fine print
Subscriptions auto-renew with few refunds; they can suspend you; service is as-is with a payment cap.
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Terms of service
“we do not provide refunds for partial periods unless required by law or stated otherwise at checkout”
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Delete your account
settings → privacy
Turn off iPhone connectors
folk app settings for Location, Health, Calendars, Reminders, Contacts, or notifications
Cancel auto-renew
iOS: Settings → your name → Subscriptions; web: settings → billing → manage on Stripe
Turn off contact matching
Email support@nozomio.com
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
If you turn these on, Folk can get very personal phone data, not just chats.
Read the exact line
Privacy policy
“only if you choose to connect them, folk receives the location, Apple Health categories, calendars, reminders, contacts, or photos you authorize.”
For example, photos you allow can sync in the background so Folk can answer questions about them.
Health questions go to their AI vendor so it can reply, even though they say they do not sell or train on it.
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Privacy policy
“health data you ask folk about is sent to our AI model provider to answer you, and to nothing else.”
For example, asking about sleep data means that question is sent to the model provider.
If you cancel mid-month or mid-year, you usually keep access until the period ends but do not get money back.
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Terms of service
“we do not provide refunds for partial periods unless required by law or stated otherwise at checkout”
For example, canceling a yearly plan after a week typically means no refund for the unused months.
They can shut you out of Folk without warning if they think you broke the rules.
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Terms of service
“we remove content and suspend or terminate accounts at our discretion, without notice, when we believe the guidelines or these terms have been broken.”
For example, a reported character could lead to your account being locked so you cannot sign in.
They do not promise the service will work, and they limit what they pay if something goes wrong.
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Terms of service
“folk is provided "as is" and "as available". to the fullest extent allowed by law, we disclaim ”
For example, if Folk gives a bad answer that costs you money, they cap what they might pay at what you paid in the last 12 months.
Publishing a character puts its details and your name or handle out for others and search engines.
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Privacy policy
“when you publish a character to the gallery, those listed fields become public to other folk users, along with your handle”
For example, a character picture is stored on a public network so anyone with the link can load it.
They say your chats and files are not used to train their models.
Read the exact line
Privacy policy
“we never use your data to train AI models.”
For example, a private money question should not become training data for a future model.
Deleting your account is meant to wipe live chats, memory, and the cloud computer quickly.
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Privacy policy
“your memory, messages, and chat history are deleted within seconds, and your private cloud computer and saved app logins are destroyed.”
For example, after you tap delete in settings, they say they cannot bring the account back.
They promise Health data is not sold or used for ads or training.
Read the exact line
Privacy policy
“we never sell Health data, use it for advertising, or use it to train AI models.”
For example, Apple Health categories you connect should not be used to target ads.
The character gallery is meant for adults, even though the app itself starts at 13 with a parent’s permission.
Read the exact line
Terms of service
“you must be 18 or older to create a character or chat with one.”
For example, they may remove character access if they think the account belongs to a minor.
Words to know
Legal words from the lines above, in plain English.
- model training
- Using your content and conversations as examples to teach an AI system, which can then echo them in future answers. For example, a story you write in a chatbot may be studied by the company to make the next version of the bot.
- subprocessor
- A company hired by the app's own service provider, so your data passes through more hands than you can see. For example, the app's email provider may itself use another company to store its logs.
- as is
- You get the service in whatever state it is in, with no promise that it works or will keep working. For example, if the app deletes your photos by mistake, it is not promising to fix that or pay you back.
- warranty
- A promise that a product will work as described; most apps say they make no such promise at all. For example, if a paid feature never works on your phone, a no-warranty clause says that is your problem.
- sell or share
- Under California law, selling means passing your data to others for money or other value; sharing means passing it on for targeted ads. For example, letting an ad network use your browsing history in return for ad space counts as a sale.
How we got here · grade A · score 56/100 · 15 of 15 policy answers backed by a verified quote · 0 not stated
What does the app collect beyond what it needs to work?
Besides account and chats, they can collect location, Health, contacts, photos, calendars, connected apps, and bank transactions if you turn those on.
Does it record your voice, face or body, and what happens to that?
Voice is transcribed so Folk can act. iPhone dictation may go to Apple; they do not say they keep raw audio as a biometric ID.
Are your chats and uploads used to train AI models, and is that off by default?
They say they never use your data to train AI models, including conversations and connected-account content.
Can employees or contractors read your conversations, and when?
Staff can reach live systems to keep Folk running and help you, and they review character reports. They do not describe routine reading of all chats.
Are you profiled or tracked for advertising?
They may send hashed contact details back to Meta, Google, or OpenAI to measure their own ads, not your conversations.
Do they sell or share your data, and can you opt out?
They say they do not sell connected-app or Health data and share with subprocessors who run the service.
What rights do they take over what you type and what the AI makes?
You keep ownership of your content; they take a limited license to run Folk. Publishing a character adds a gallery license until you unpublish.
How long do they keep your data after you delete it, and can you delete it in the app?
You can delete in settings → privacy. Live data is wiped in seconds; leftover encrypted backups are erased after a short while.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
Folk remembers context and they mention memory, but the documents only describe wiping it by deleting the account, not viewing or editing it.
Do they commit to basic security, and have they leaked data?
They describe separate private cloud computers, encryption of sensitive logins, and limited staff access. No independent audit is described.
Is there a real age gate, and are teens protected?
You must be 13, and under 18 need a parent. Characters are 18+ and they ask you to confirm in the app.
Will they tell you when the rules change, and is the policy specific?
Neither document shows a last-updated date. They say they will tell you about important or material changes in the app.
Can they close your account without warning, and can you get your data out first?
They may suspend or terminate for violations, risk, or non-payment, and they say they can remove content without notice.
If something goes wrong, who pays?
Folk is as-is. They disclaim warranties and cap what they pay at what you paid in the 12 months before the claim.
Do subscriptions renew on their own, and can you get a refund?
Plans auto-renew. You can cancel in Apple or Stripe settings. They generally do not refund unused time unless the law requires it.
If this app can act for you, does it warn you about scams?
May transact on unsafe websites on your behalf. Folk does not say it refuses an unsafe site. This line is not from the privacy policy. We did not test the product. Folk (2026)
The privacy policy is 1,718 words at a fairly hard level (Flesch reading ease 53.6); the terms are 1,370 words at a college graduate level.
