{
  "meta": {
    "attribution": "Anchor Terminal (https://www.anchorterminal.com)",
    "docs": "https://www.anchorterminal.com/docs/",
    "generatedAt": "2026-10-14",
    "license": "CC-BY-4.0",
    "method": "https://www.anchorterminal.com/benchmark/",
    "methodology": "0.4",
    "openapi": "https://www.anchorterminal.com/openapi.json",
    "preview": false,
    "run": "2026-10-01",
    "runLabel": "October 2026 research run"
  },
  "tool": {
    "slug": "folk-nozomio",
    "name": "folk",
    "vendor": "Nozomio, Inc.",
    "vendorUrl": "https://www.folk.com",
    "kind": "platform",
    "category": "personal-assistants",
    "summary": "folk is an AI assistant that texts its owner over iMessage, Telegram and WhatsApp to keep habits, workouts, study and money goals on track. Each user gets a cloud computer, persistent memory and connected apps.",
    "url": "https://www.anchorterminal.com/tools/folk-nozomio",
    "markdownUrl": "https://www.anchorterminal.com/tools/folk-nozomio.md",
    "slimMarkdownUrl": "https://www.anchorterminal.com/tools/folk-nozomio.min.md",
    "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/folk-nozomio.json",
    "license": "Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026).",
    "transports": [],
    "packages": [],
    "auth": "mixed",
    "authNotes": "Sign-up at folk.com, then folk is a contact in iMessage, Telegram or WhatsApp (https://www.folk.com/llms.txt). Google apps can be connected with read-only access, so folk can see but never send, edit or delete, and banks connect read-only through Plaid (https://www.folk.com/privacy and https://www.folk.com/llms.txt). Owners can bring their own Anthropic, OpenAI or OpenRouter keys (https://www.folk.com/pricing.md).",
    "pricing": "freemium",
    "pricingNotes": "Free at $0 \"forever. No card\", with unlimited messages under fair use, 3 background jobs and 10 minutes of calls a week. Pro is $9.99 a month or $99.99 a year, $5 a month in many countries, with unlimited background jobs and 120 minutes of calls a month (https://www.folk.com/pricing.md, checked 14 October 2026). The terms list folk max at $99.99 a month or $799.99 a year on the US App Store (https://www.folk.com/terms). llms.txt gives the free tier as 20 messages a day and Max as $100 a month.",
    "priceSummary": "$9.99 / mo",
    "where": "local",
    "x402": {
      "level": "no",
      "evidence": "No x402, MPP or L402 found on folk.com, llms.txt, pricing.md or the terms, checked 14 October 2026.",
      "endpoints": []
    },
    "toolCount": null,
    "popularity": {
      "githubStars": null,
      "npmWeekly": null,
      "pypiWeekly": null,
      "asOf": "2026-10-14"
    },
    "docsUrl": "https://www.folk.com/docs",
    "llmsTxt": "https://www.folk.com/llms.txt",
    "capabilities": [
      "assistant.proactive",
      "assistant.messaging",
      "assistant.accounts",
      "assistant.memory",
      "messaging.rcs",
      "messaging.whatsapp",
      "messaging.inbound",
      "mailbox.read",
      "mailbox.send",
      "calendar.write",
      "browser.hosted",
      "voice.calls",
      "memory.user",
      "tasks.create",
      "agent.mcp-client"
    ],
    "tags": [
      "hosted",
      "official",
      "closed-source",
      "freemium",
      "free-tier",
      "no-card",
      "security-txt",
      "llms-txt",
      "ios"
    ],
    "lastRelease": "2026-10-12",
    "graded": true,
    "disclosure": "folk competes with LocalGhost, which Anchor Terminal's founder builds. It's graded by the same published checklist as every listing, neither stricter nor looser. Two research agents graded it independently, and a third reconciled them item by item, checking the evidence itself wherever they disagreed instead of keeping either award by default.",
    "competesWith": "localghost",
    "anchor": {
      "graded": true,
      "score": 19.8,
      "grade": "F",
      "agentReady": false,
      "rank": 993,
      "ranked": true,
      "rankOf": 1010,
      "categoryRank": 30,
      "methodology": "0.4",
      "run": "2026-10-01",
      "scores": {
        "ergonomics": 0,
        "maintenance": 35,
        "payments": 30,
        "reliability": 25,
        "schema": 10,
        "security": 3,
        "transparency": 67
      },
      "pending": [
        "performance",
        "tasks"
      ],
      "breakdown": [
        {
          "key": "reliability",
          "name": "Reliability",
          "weight": 16,
          "effectiveWeight": 20,
          "score": 25,
          "points": 5,
          "reason": "Read with the hosted lines. No status page found. status.folk.com resolves to the marketing site (0). No readable incident history (5). pricing.md, which llms.txt calls the structured pricing for AI agents, sets Free at 10 minutes of calls a week and Pro at 120 minutes a month, with messages unlimited under fair use. llms.txt gives the free tier as 20 messages a day. Numbers are published, the Marmot reading for plan limits, though two of the vendor's files disagree (10 of 15). No overload or retry guidance (0). No SLA (0). folk takes sign-ups, with WhatsApp rolling out by region, and isn't labelled beta (10)."
        },
        {
          "key": "performance",
          "name": "Performance",
          "weight": 10,
          "effectiveWeight": 0,
          "pending": true,
          "points": 0,
          "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes."
        },
        {
          "key": "schema",
          "name": "Schema \u0026 documentation",
          "weight": 13,
          "effectiveWeight": 16.25,
          "score": 10,
          "points": 1.63,
          "reason": "Graded on the interface an outside agent can use, as GRADER.md asks. folk has no API, MCP server or A2A endpoint for an agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the service for people. llms.txt and a Markdown pricing file served for agents (10). The versioning and changelog line versions an agent interface, and with none there is nothing to version, so it scores nothing (0 of 15), the reading the 12 October audit applied to every listing without an agent interface."
        },
        {
          "key": "ergonomics",
          "name": "Agent ergonomics",
          "weight": 13,
          "effectiveWeight": 16.25,
          "score": 0,
          "points": 0,
          "reason": "Graded on the interface an outside agent can use. folk has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the service for people."
        },
        {
          "key": "security",
          "name": "Security \u0026 auth",
          "weight": 14,
          "effectiveWeight": 17.5,
          "score": 3,
          "points": 0.53,
          "reason": "Graded on the interface an outside agent can use. With none for folk, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the service does for its owner. The security programme line doesn't need an interface and is scored. For the record, Google apps can connect read-only, banks connect read-only through Plaid, sensitive iPhone Health, Calendar, Reminder and Contact writes need confirmation, and folk says it never moves money on its own. folk.com/.well-known/security.txt is valid to 13 April 2027 but names only support@nozomio.com, with no disclosure policy, bug bounty, certification or advisories found. That's the Instinct reading for a security.txt with a support address (3 of 20)."
        },
        {
          "key": "payments",
          "name": "Payments \u0026 pricing",
          "weight": 10,
          "effectiveWeight": 12.5,
          "score": 30,
          "points": 3.75,
          "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Plans are public, Free, Pro at $9.99 a month or $99.99 a year ($5 a month in many countries) and Max at $99.99 a month on the US App Store per the terms ($100 in llms.txt), with no per-unit price (10). pricing.md says Free is $0 forever with no card (20). A person signs up at folk.com (0)."
        },
        {
          "key": "tasks",
          "name": "Task success",
          "weight": 10,
          "effectiveWeight": 0,
          "pending": true,
          "points": 0,
          "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored."
        },
        {
          "key": "maintenance",
          "name": "Maintenance \u0026 community",
          "weight": 7,
          "effectiveWeight": 8.75,
          "score": 35,
          "points": 3.06,
          "reason": "Read for a closed service. folk's iOS app, sold by Nozomio Inc. and linking to folk.com, released 1.0.0 on 7 October and 1.1.0 on 12 October 2026 on the App Store (30). Two releases in the last 90 days and no changelog (0 of 20). Descriptive App Store notes and support@nozomio.com, which we didn't test, the reading taken for Caddy (5 of 15). No MCP server or SDK (0). No package or CI to judge (0). llms.txt says there's no app in the App Store, which the listing contradicts."
        },
        {
          "key": "transparency",
          "name": "Transparency \u0026 trust",
          "weight": 7,
          "effectiveWeight": 8.75,
          "score": 67,
          "points": 5.86,
          "note": "editorial 57, provenance 76",
          "reason": "Closed service under terms updated on 8 September 2026 naming Nozomio, Inc. (15). The privacy policy of 8 October 2026 says folk never sells data or uses it to train AI models, model providers are on API terms that bar training, the LLM observability tools (Langfuse, Lemma and Raindrop) see message content only to fix replies, and account deletion removes memories, credentials and companion databases with retries for failed clean-up. Retention otherwise depends on the provider, with no periods (22 of 30). No deprecation policy or notices found (2 of 20). The subprocessor page of 11 October 2026 names each provider with a region (AWS in the United States, Daytona in the United States or EU) (18 of 20)."
        }
      ],
      "assessment": {
        "date": "2026-10-14",
        "basis": "public evidence",
        "confidence": "medium",
        "notes": {
          "ergonomics": "Graded on the interface an outside agent can use. folk has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the service for people.",
          "maintenance": "Read for a closed service. folk's iOS app, sold by Nozomio Inc. and linking to folk.com, released 1.0.0 on 7 October and 1.1.0 on 12 October 2026 on the App Store (30). Two releases in the last 90 days and no changelog (0 of 20). Descriptive App Store notes and support@nozomio.com, which we didn't test, the reading taken for Caddy (5 of 15). No MCP server or SDK (0). No package or CI to judge (0). llms.txt says there's no app in the App Store, which the listing contradicts.",
          "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Plans are public, Free, Pro at $9.99 a month or $99.99 a year ($5 a month in many countries) and Max at $99.99 a month on the US App Store per the terms ($100 in llms.txt), with no per-unit price (10). pricing.md says Free is $0 forever with no card (20). A person signs up at folk.com (0).",
          "reliability": "Read with the hosted lines. No status page found. status.folk.com resolves to the marketing site (0). No readable incident history (5). pricing.md, which llms.txt calls the structured pricing for AI agents, sets Free at 10 minutes of calls a week and Pro at 120 minutes a month, with messages unlimited under fair use. llms.txt gives the free tier as 20 messages a day. Numbers are published, the Marmot reading for plan limits, though two of the vendor's files disagree (10 of 15). No overload or retry guidance (0). No SLA (0). folk takes sign-ups, with WhatsApp rolling out by region, and isn't labelled beta (10).",
          "schema": "Graded on the interface an outside agent can use, as GRADER.md asks. folk has no API, MCP server or A2A endpoint for an agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the service for people. llms.txt and a Markdown pricing file served for agents (10). The versioning and changelog line versions an agent interface, and with none there is nothing to version, so it scores nothing (0 of 15), the reading the 12 October audit applied to every listing without an agent interface.",
          "security": "Graded on the interface an outside agent can use. With none for folk, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the service does for its owner. The security programme line doesn't need an interface and is scored. For the record, Google apps can connect read-only, banks connect read-only through Plaid, sensitive iPhone Health, Calendar, Reminder and Contact writes need confirmation, and folk says it never moves money on its own. folk.com/.well-known/security.txt is valid to 13 April 2027 but names only support@nozomio.com, with no disclosure policy, bug bounty, certification or advisories found. That's the Instinct reading for a security.txt with a support address (3 of 20).",
          "transparency": "Closed service under terms updated on 8 September 2026 naming Nozomio, Inc. (15). The privacy policy of 8 October 2026 says folk never sells data or uses it to train AI models, model providers are on API terms that bar training, the LLM observability tools (Langfuse, Lemma and Raindrop) see message content only to fix replies, and account deletion removes memories, credentials and companion databases with retries for failed clean-up. Retention otherwise depends on the provider, with no periods (22 of 30). No deprecation policy or notices found (2 of 20). The subprocessor page of 11 October 2026 names each provider with a region (AWS in the United States, Daytona in the United States or EU) (18 of 20)."
        },
        "sources": [
          {
            "what": "pricing.md",
            "url": "https://www.folk.com/pricing.md",
            "seen": "2026-10-14"
          },
          {
            "what": "llms.txt",
            "url": "https://www.folk.com/llms.txt",
            "seen": "2026-10-14"
          },
          {
            "what": "privacy policy",
            "url": "https://www.folk.com/privacy",
            "seen": "2026-10-14"
          },
          {
            "what": "subprocessors",
            "url": "https://www.folk.com/subprocessors",
            "seen": "2026-10-14"
          },
          {
            "what": "security.txt",
            "url": "https://www.folk.com/.well-known/security.txt",
            "seen": "2026-10-14"
          },
          {
            "what": "App Store listing and version history",
            "url": "https://apps.apple.com/us/app/folk-friend-in-texts/id6800439069",
            "seen": "2026-10-14"
          },
          {
            "what": "terms (per the lister's read)",
            "url": "https://www.folk.com/terms",
            "seen": "2026-10-14"
          },
          {
            "what": "status subdomain (serves the home page)",
            "url": "https://status.folk.com/",
            "seen": "2026-10-14"
          }
        ],
        "openQuestions": [
          "Which free-tier message limit applies, unlimited under fair use (pricing.md) or 20 a day (llms.txt).",
          "How long data is kept by each provider."
        ]
      },
      "negative": 0,
      "verdict": "folk is a texting accountability assistant with its own cloud computer, a free tier with no card and a privacy policy that rules out training on user data. No outside agent can call it, no status page or changelog was found, and its llms.txt and pricing file disagree on free limits and Max's price.",
      "bestFor": "People who want a texting companion for habits, workouts, study and money goals, with a free tier.",
      "disclosure": "folk competes with LocalGhost, which Anchor Terminal's founder builds. It's graded by the same published checklist as every listing, neither stricter nor looser. Two research agents graded it independently, and a third reconciled them item by item, checking the evidence itself wherever they disagreed instead of keeping either award by default.",
      "strengths": [
        "Free forever with no card, per pricing.md.",
        "The privacy policy says data is never sold or used to train AI models.",
        "The subprocessor page names each provider with its region.",
        "Google apps can connect read-only, and folk says it never moves money on its own.",
        "security.txt is published and valid to 13 April 2027."
      ],
      "weaknesses": [
        "No API, MCP server or A2A endpoint for an outside agent.",
        "llms.txt gives 20 messages a day and Max at $100, while pricing.md says unlimited messages and the terms say $99.99.",
        "llms.txt says there's no App Store app, while the App Store lists folk's iOS app since 7 October 2026.",
        "No status page or changelog found.",
        "security.txt names only a general support address."
      ],
      "agentNotes": [
        "Don't plan to call folk from another agent. It answers only the owner's iMessage, Telegram or WhatsApp thread and iPhone app.",
        "Quote limits and prices from pricing.md and the terms, and note that llms.txt gives different free-tier limits."
      ],
      "metrics": {
        "kind": "remote",
        "measured": false
      },
      "reviewCount": 0,
      "avgRating": 0,
      "history": [
        {
          "basis": "public evidence",
          "confidence": "medium",
          "grade": "F",
          "methodology": "0.4",
          "pending": [
            "performance",
            "tasks"
          ],
          "run": "2026-10-01",
          "runLabel": "October 2026 research run",
          "score": 19.8
        }
      ],
      "editorialScores": {
        "ergonomics": 0,
        "maintenance": 35,
        "payments": 30,
        "reliability": 25,
        "schema": 10,
        "security": 3,
        "transparency": 57
      },
      "provenanceScore": 76
    },
    "connect": {},
    "letme": {
      "capability": "https://letme.dev/assistant.proactive",
      "tool": "https://letme.dev/folk-nozomio"
    },
    "notable": [
      "folk texts first, on iMessage and Telegram, with WhatsApp rolling out by region. Signal, SMS, Discord and email are not chat channels (https://www.folk.com/llms.txt)",
      "Each user gets an isolated cloud computer that can browse, run code and connect to apps, plus a memory graph (https://www.folk.com/llms.txt). The subprocessor list names Daytona for these sandboxes and AWS for hosted agent servers (https://www.folk.com/subprocessors)",
      "Connections named include Gmail, Google Calendar, Drive, Notion, Strava, Canvas, GitHub and \"any MCP-compatible tool\" (https://www.folk.com/llms.txt)",
      "folk can phone its owner for wake-up calls and reminders (https://www.folk.com/llms.txt)",
      "On money tasks folk drafts cancellation, dispute and refund emails and \"You say send; folk never moves money on its own\" (https://www.folk.com/llms.txt)",
      "The privacy policy (8 October 2026) says folk never sells data or uses it to train AI models, and that sensitive Health, Calendar, Reminder and Contact writes need confirmation (https://www.folk.com/privacy)",
      "Subprocessors (11 October 2026) include OpenRouter and its model hosts, OpenAI, Google Gemini, Anthropic, Langfuse, Lemma and Raindrop for LLM observability, MongoDB Atlas, Vercel, Turso and Firecrawl (https://www.folk.com/subprocessors)",
      "folk also hosts AI characters, including fictional characters and real-world coaches, for adults only (https://www.folk.com/llms.txt and https://www.folk.com/terms)",
      "security.txt names support@nozomio.com and expires on 13 April 2027 (https://www.folk.com/.well-known/security.txt)"
    ],
    "area": "frameworks",
    "details": [
      {
        "label": "Surface listed",
        "value": "folk, the texting assistant at folk.com by Nozomio, read from folk.com, llms.txt, pricing.md, the pricing page, terms, privacy policy, subprocessors and security.txt on 14 October 2026. It is a different product from the folk CRM (folk.app), listed separately. No account was created."
      },
      {
        "label": "Where it runs",
        "value": "A cloud service on AWS (US) and Daytona sandboxes (US or EU), with Google Cloud during a migration (https://www.folk.com/subprocessors)."
      },
      {
        "label": "What it acts on",
        "value": "Gmail, Calendar and other connected apps, web browsing, code, reminders and check-ins, phone calls to the owner, read-only bank data, and iPhone Health, Calendar, Reminders and Contacts through the iPhone app (https://www.folk.com/llms.txt and https://www.folk.com/privacy)."
      },
      {
        "label": "Outside agent access",
        "value": "None found."
      },
      {
        "label": "Data handling",
        "value": "Account deletion covers memories, connected credentials and companion-app databases, and failed external clean-up is queued for retry (https://www.folk.com/privacy)."
      },
      {
        "label": "Eligibility",
        "value": "13 and older, with parental permission under 18. Characters are for 18 and older (https://www.folk.com/terms)."
      }
    ],
    "unitPrices": [
      {
        "item": "folk Pro",
        "unit": "month",
        "usd": 9.99,
        "note": "Or $99.99 a year. $5 a month in many countries. Checked 14 October 2026."
      },
      {
        "item": "folk Max (US App Store)",
        "unit": "month",
        "usd": 99.99,
        "note": "Or $799.99 a year, per the terms."
      }
    ],
    "provenance": {
      "legalEntity": "Nozomio, Inc.",
      "domain": "folk.com",
      "domainRegistered": "1995-07-30",
      "endpointOnVendorDomain": null,
      "terms": "https://www.folk.com/terms",
      "privacy": "https://www.folk.com/privacy",
      "statusPage": "",
      "changelog": "",
      "securityTxt": "valid",
      "checked": "2026-10-14",
      "notes": [
        "The terms name Nozomio, Inc. and were last updated on 8 September 2026, governed by Delaware law. llms.txt calls the maker Nozomio Labs.",
        "security.txt is valid until 13 April 2027.",
        "No status page or changelog was found.",
        "The folk CRM at folk.app is a different company and product (data/tools/folk.json).",
        "RDAP gives a registration date of 1995-07-30 for folk.com, which predates the company."
      ],
      "score": 76,
      "checks": [
        {
          "check": "Legal entity named",
          "value": "Nozomio, Inc.",
          "points": 20,
          "max": 20,
          "state": "ok"
        },
        {
          "check": "Domain age",
          "value": "folk.com, registered 1995-07-30 (31 years)",
          "points": 15,
          "max": 15,
          "state": "ok"
        },
        {
          "check": "Endpoint on the vendor's domain",
          "value": "no hosted endpoint",
          "points": 0,
          "max": 0,
          "state": "na"
        },
        {
          "check": "Terms of service",
          "value": "published",
          "points": 10,
          "max": 10,
          "state": "ok"
        },
        {
          "check": "Privacy policy",
          "value": "published",
          "points": 10,
          "max": 10,
          "state": "ok"
        },
        {
          "check": "Status page",
          "value": "not found",
          "points": 0,
          "max": 10,
          "state": "no"
        },
        {
          "check": "Changelog",
          "value": "not found",
          "points": 0,
          "max": 10,
          "state": "no"
        },
        {
          "check": "security.txt",
          "value": "valid",
          "points": 10,
          "max": 10,
          "state": "ok"
        }
      ]
    },
    "pageJsonUrl": "https://www.anchorterminal.com/tools/folk-nozomio.json"
  }
}