TAIA Folio · Terms of service
Version 1.0,
1. Who and what. TAIA Folio (the "app") is published by TAIA GmbH, Seestrasse 353, 8038 Zürich, Switzerland, CHE-189.956.337 ("TAIA"). Apple's standard Licensed Application End User License Agreement governs your licence to the app itself. These terms govern the online services TAIA provides in the app: your TAIA Folio account, the content, the AI features and Folio Pro. Where the two differ on those services, these terms apply. The app is offered in the App Store in Switzerland only.
2. What the app is. The app shows publications of Swiss and EU regulators and related public sources, with their dates and links to the publishers' own pages, and short texts TAIA writes about them. It is general information. It is not legal, tax or compliance advice, it is not a statement of the publisher, and only the publishers' own texts are authoritative.
3. Your account.
- You need a TAIA Folio account to ask Folio, use the Advisor and buy Folio Pro. You sign in on TAIA's sign-in page in the system browser; the app collects no password itself.
- An account is for one person. Keep your sign-in to yourself.
- You can close your account in the app (About › Account › Close this account). This deletes, at once and without a waiting period, your questions, the answers prepared for them and their receipts, any link you published, your committee briefs, your Advisor conversations and your sign-in. Copies in TAIA's database backups are kept for up to six weeks. Items kept only on your phone stay on your phone until you delete the app.
- Closing your account does not cancel a Folio Pro subscription. Apple keeps billing it until you cancel it in your iPhone settings (Settings › your name › Subscriptions).
4. The AI features.
- Folio's own Ask and the Advisor need your sign-in and your consent on the "How Folio uses AI" screen. Short summaries and drafts are written by Google's Gemini models on Vertex AI in the EU (Frankfurt, Germany), with Google acting as TAIA's processor. They are written from passages of TAIA's own documents. What you type is not sent to Vertex AI. The passages chosen for your question are sent, so its topic can be inferred from them.
- The Advisor is a fictional AI persona, not a human or a licensed adviser. It speaks only from TAIA's own documents, and shows their sources.
- Text written by a model is marked as such in the data the app receives. Answers are not reviewed by a person. They can be wrong, incomplete or out of date, and can misread a source. Check the source before you rely on an answer. Decisions you take are yours.
5. TAIA Confidential Ask in the app.
- TAIA Confidential Ask is a separate TAIA service that the app opens from the Ask tab. It needs no sign-in.
- The answer is written by a language model, run by TAIA in a closed machine in Zürich (Google Cloud europe-west6), from passages of the public regulatory documents TAIA has loaded. TAIA's own process reads your question inside that machine.
- Free use: at most 100 questions a day in total for all users together (the day ends at 00:00 UTC), at most 20 a minute in total, up to 1,000 characters per question. The app shows how many are left.
- No paid plan for TAIA Confidential Ask is sold in the app. Folio Pro does not include it.
- The TAIA Confidential Ask terms (taia.ch/ask/#terms) govern that service. In particular: do not put personal data, client data or confidential information of others into a question (section A5), and an answer is general information, not advice (section A6).
6. Folio Pro.
- Folio Pro is an auto-renewing subscription, monthly or yearly, sold by Apple through In-App Purchase. Apple is the seller. The price is the one the App Store shows before you buy, in your App Store currency; Apple charges your Apple Account.
- Folio Pro gives you Folio's own Ask and the Advisor beyond the monthly allowance of the free use. When the allowance is used, the app says so, with the count and the date it renews. Today, Collection and Dossiers stay open without Folio Pro.
- It renews automatically at the price shown until you cancel. Cancel at least 24 hours before the end of a period in your Apple Account's subscription settings. Refunds are handled by Apple under Apple's rules; TAIA applies Apple's decision to your account.
- A purchase is linked to the Folio account that was signed in when you bought it; it cannot be moved to another account. "Restore purchases" restores it on another device signed in to the same account.
- TAIA may change what Folio Pro includes or the allowance for future periods. It tells you in the app at least 30 days before; for the period you have paid, what was shown when you paid applies.
7. Availability. The online services are available at any time, except during maintenance or a failure. When they are not available, the app says so. TAIA may suspend a service for maintenance or for urgent technical or legal reasons.
8. Your use. Use the app lawfully and for your own information. Do not: use it to obtain advice for a specific case; automate questions or copy content in bulk; probe, overload or get around the limits of the services; use another person's account; or put personal data, client data or confidential information of others into a question.
9. Content and rights. The publishers' texts belong to their publishers and are shown with attribution and links; only their own texts are authoritative. TAIA's texts and the app are TAIA's. You may keep and share what the app lets you keep and share, for your own work.
10. Liability. TAIA is liable without limit for intent and gross negligence. For slight negligence, TAIA's liability for Folio Pro is limited to the amount you paid for Folio Pro in the 12 months before the event; for free use, TAIA is liable only for intent and gross negligence. TAIA is not liable for indirect loss, lost profit or for decisions you take on content or an answer. TAIA does not warrant that an answer or a summary is correct, complete or fit for a purpose. Mandatory law, including mandatory consumer law, is reserved.
11. Privacy. How TAIA processes personal data in the app is in the privacy notice, section 6a: taia.ch/privacy/.
12. Changes to these terms. TAIA may change these terms for good reason (for example a new feature, a change in law or a change by a service provider). It shows the new version in the app and on taia.ch/folio/terms/ at least 30 days before it applies; if you do not agree, you can close your account and cancel Folio Pro, and the version in force when you paid applies until the end of that period.
13. Law and forum. Swiss law applies. The forum is Zürich, subject to mandatory forum rules for consumers.
14. Contact. info@taia.ch.