# folk vs Instinct (slim)

> folk scores 19.8 (F) to Instinct's 7.3 (F) for proactive personal assistants. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/folk-nozomio-vs-instinct.md (~3,300 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/folk-nozomio-vs-instinct.json · canonical https://www.anchorterminal.com/compare/folk-nozomio-vs-instinct
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-13

folk scores 19.8 (F) on agent readiness against Instinct's 7.3 (F), and leads in 5 of 7 scored categories. Both do proactive personal assistants.

- folk: F 19.8, rank #993 of 1010 · https://www.anchorterminal.com/tools/folk-nozomio.min.md
- Instinct: F 7.3, rank #1009 of 1010 · https://www.anchorterminal.com/tools/instinct.min.md
- folk, good for People who want a texting companion for habits, workouts, study and money goals, with a free tier. Ahead on Reliability, 25 against 10; Schema & documentation, 10 against 0; Payments & pricing, 30 against 0; Maintenance & community, 35 against 2; Transparency & trust, 67 against 53. Also Free to start without a card.
- Instinct, good for People who want to hand errands to an assistant by text or phone.

| Category | folk | Instinct |
| --- | --- | --- |
| Reliability (16%) | 25 | 10 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 0 |
| Agent ergonomics (13%) | 0 | 0 |
| Security & auth (14%) | 3 | 3 |
| Payments & pricing (10%) | 30 | 0 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 35 | 2 |
| Transparency & trust (7%) | 67 | 53 |

| Fact (where they differ) | folk | Instinct |
| --- | --- | --- |
| Vendor | Nozomio, Inc. | Spear Street Technology, Inc. (d/b/a Instinct) |
| Pricing | Freemium | Paid |
| Licence | Closed service under folk's terms (Nozomio, Inc., last updated 8 September 2026). | Closed service under Instinct's Terms of Service (Spear Street Technology, Inc. d/b/a Instinct, last revised 26 August 2026). |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | 2026-10-12 | none |
| Terms last updated |  | 2026-08-26 |
| Privacy policy last updated |  | 2026-08-26 |
| Customer content may train models |  | yes, with an opt-out |
| Terms restrict automated access |  | yes |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | yes |