FolioCast

Terms of Service

Last updated: October 31, 2026

These Terms of Service ("Terms") govern your use of FolioCast, the website at foliocast.app and the related audio service (together, the "Service"). FolioCast is owned and operated by Igor Olikh, an individual based in Israel ("FolioCast", "we", "us"). By starting a trial, subscribing to or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. The Service

FolioCast is a personal daily audio summary of your own Interactive Brokers ("IBKR") account, delivered via Telegram. On each trading day we read your IBKR Flex report, turn the figures into a short script and send you an audio episode in Russian or English.

To use the Service you need your own IBKR account, a read-only Flex Query and Flex token that you create in IBKR, and a Telegram account. The Flex token can only read reports. FolioCast cannot place trades, move money or change anything in your broker account.

FolioCast is not affiliated with, endorsed by or sponsored by Interactive Brokers or Telegram.

2. Not advice

The Service is informational only. It is not investment, financial, tax or legal advice, and it contains no recommendations to buy, sell or hold any security. Figures come from your broker's reports, which may contain errors, delays or omissions, and an episode may also contain errors when the figures are summarised or read aloud. Short news items are factual summaries from third-party sources and are not an opinion or a forecast. Always check your broker's official statements before making any decision, and consult a qualified professional if you need advice. You are solely responsible for your investment decisions.

3. Price, free trial and billing

  • The Service costs US$3.99 per month. Sales tax or VAT may be added at checkout depending on where you live.
  • The first 7 days are free. Unless you cancel before the trial ends, your subscription starts automatically when the trial ends and you are charged US$3.99.
  • After that, your subscription renews and is billed automatically every month until you cancel.
  • You can cancel anytime: through the link in your Paddle receipt email, at paddle.net, or by writing to support@foliocast.app. Cancellation stops future charges. You keep access until the end of the period you have already paid for. Cancelling deletes your Flex token from our systems.
  • If we change the price, we will tell you at least 30 days in advance. The new price applies from your next billing period after that notice, and you can cancel before it applies.

4. Payments through Paddle

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

When you buy a subscription, you buy it from Paddle, and Paddle's Buyer Terms also apply to your purchase. Paddle handles payment, billing, invoices, taxes and refunds. We never see or store your full card details.

5. Refunds

Refunds are described in our Refund Policy. In short: the first 7 days are free, and you can get a full refund of your first paid charge if you ask within 14 days of that charge.

6. Your responsibilities

  • You may connect only an IBKR account that you own or are authorised to use, and you must give us a read-only Flex token.
  • You are responsible for keeping your Telegram account and devices secure. Anyone with access to your Telegram chat can hear your episodes.
  • You can revoke the Flex token in IBKR at any time. If you do, episodes stop until you give us a new token.

7. Acceptable use

You agree not to: use the Service for any unlawful purpose or fraud; send spam or abuse through it; infringe anyone's intellectual property; interfere with the security or operation of the Service (including malware, probing, scanning, scraping or attempts to gain unauthorised access); reverse engineer the Service except where the law allows it; or resell or share the Service with others.

8. Intellectual property

We own the Service, including its software, design, name and content, and all related intellectual property rights. Your account data stays yours. We give you a personal, non-transferable right to use the Service and the episodes made for you, for your own non-commercial purposes, while your subscription is active.

9. Availability

We work to deliver an episode every trading day, but we do not guarantee that the Service will be uninterrupted, on time or error-free. The Service depends on third parties such as IBKR, Telegram and our technology providers. If a report is not available, an episode may be late or skipped, or you may receive a short note instead. We may change or improve the Service over time.

10. Suspension and termination

We may suspend or end your access if you materially breach these Terms, if payment fails, if there is a security or fraud risk, or for repeated or serious violations. You may stop using the Service and cancel at any time. When your subscription ends, we delete your Flex token.

11. Limitation of liability

To the maximum extent permitted by law, the Service is provided "as is" and "as available". We are not liable for any investment, trading or financial decisions you make, or for any indirect, incidental or consequential loss, including lost profits. Our total liability to you for any claim related to the Service is limited to the amount you paid for the Service in the 12 months before the claim. Nothing in these Terms limits liability that cannot be limited by law, or your statutory rights as a consumer.

12. Changes to these Terms

We may update these Terms from time to time. We will change the "Last updated" date above and, for material changes, notify active subscribers in advance. If you keep using the Service after the changes take effect, you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of the State of Israel. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live.

14. Contact

Questions about these Terms or the Service: support@foliocast.app. For questions about a charge or a refund you can also contact Paddle at paddle.net.

See also our Privacy Policy and Refund Policy.