Fractal terms of service

These terms take effect on 13 November 2026.

1. Who we are

Fractal is made and run by Echofold Limited ("we" and "us"), a company registered in Ireland, number 786573, at Unit 1, Richview Office Park, Clonskeagh, Dublin 14, D14 W6X6, Ireland. Our VAT number is IE 4410331WH.

For help, billing questions and complaints, email support@echofold.ai. For Enterprise, or to ask about the beta, email info@echofold.ai.

2. These terms

These terms are the agreement between you and us for Fractal, at fractal.echofold.ai, and for the Cloud machine that comes with your plan. You accept them when you create your account, and again when you tick the box at checkout and pay for a plan.

Our privacy notice explains what we keep about you, why, and who else handles it.

If you're a consumer, nothing in these terms takes away the rights Irish consumer law gives you, or, in the United Kingdom, UK consumer law.

3. The closed beta

Fractal is in a closed beta, for individuals and businesses in Ireland, by invitation. The United Kingdom: where these terms mention the UK, they apply once we open the beta there. Until then it's for Ireland only; Billing and the checkout say where it's open.

• An invitation is a code made for one email address. It works once, for that address only, and lasts 30 days. We can withdraw a code before it's used.
• Fractal is still being built. Parts of it will change during the beta, and some may not work as well as they will later.
• You must be 18 or over. If you sign up for a business, you confirm that you can act for it.
• Your billing address must be where the beta is open: Ireland, and the UK once it's open there. Your card must be issued in the European Economic Area or the United Kingdom. If either isn't, we refund the payment in full straight away, and your plan doesn't start.
• If we change Fractal in a way that takes away something you pay for, we'll email you before the change. You can then cancel, within 30 days of the change, and get back what you've paid for the time left.

4. What every plan includes

• Fractal Code on a Cloud machine of your own, with the coding agents Claude Code and Codex. They use your own Claude or ChatGPT subscription (section 7).
• Workflows: start from a template, chain the steps, and hand the work to Code.
• Secrets: connect your accounts once. Agents ask for an approved action by name, and Fractal uses the credential for them, so the agent never sees it.
• Frack and Rua, who you can talk to about your work, with €20 of Fractal AI a month, which Edit with AI in Workflows and Plan's AI also use (section 8).

Now and then we may let you try a feature that isn't finished. It isn't part of your plan, and we may change it or take it away.

5. Plans and prices

• Prices are in euro, per month, before VAT. Stripe works out the VAT from your billing details, and checkout shows the total before you pay. The totals above use Ireland's standard rate of 23%. Once the beta is open in the UK, customers there pay UK VAT instead.
• Enterprise is arranged with us directly, at info@echofold.ai. We agree the machine and the price with you, and we turn it on for your account; you don't pay for it at Fractal's checkout. Enterprise customers sign their own agreement with us, and where it differs from these terms, it applies.
• The beta price. An invitation may come with it, for your first 3 months on whichever plan you choose: Cloud at €40 a month including Irish VAT (€32.52 + VAT), then €99 a month + VAT; or Cloud Pro at €60 a month including Irish VAT (€48.78 + VAT), then €199 a month + VAT. There are 10 places at the beta price in all. Each person gets it once: if you cancel and come back, you pay the full price.

6. Paying

• You pay monthly, in advance, by card. Stripe takes the payment for us; we never see your card number. Your bank may ask you to confirm the payment (3-D Secure).
• Your plan renews each month until you cancel it.
• In Billing, Manage billing opens Stripe, where you can see your invoices, change your card and cancel.
• If a renewal payment fails, your plan stops when the month you've already paid for ends, and starts again when a payment goes through.
• If a payment is disputed with your bank, we pause your account (section 13). If it becomes a chargeback, that card is blocked for two years from buying a Fractal plan, from any account: a payment with it is refunded in full straight away, and the plan doesn't start. We lift the block sooner if the chargeback is decided in our favour, or if we find on review that it shouldn't apply. If you think we've got it wrong, email support@echofold.ai.
• A card you add later in Manage billing is checked too. If it couldn't buy a plan (it's blocked after a chargeback, or wasn't issued in the European Economic Area or the UK), we remove it from your account straight away, so it won't pay for your plan. Your plan carries on to the end of the month you've paid for: add another card before it renews. Stripe may also decline a payment with such a card before it's charged. Fractal is paid by card only, so another kind of payment method added there is removed too. A card that was already on your account when your first payment was checked is checked the same way, straight after it.
• If you change your billing address in Manage billing to one outside where the beta is open, your plan carries on to the end of the month you've paid for and we set it not to renew. Change your address back, then renew your plan in Manage billing, to keep it.
• You can't switch between Cloud and Cloud Pro in Billing during the beta. To change plan, email support@echofold.ai.
• If a price goes up, we'll email you before it applies, and you can cancel before then.

7. Claude Code and Codex: your own subscription

• Fractal Code runs Claude Code, made by Anthropic, and Codex, made by OpenAI, on your machine. You sign them in with your own Claude or ChatGPT subscription.
• You get that subscription from Anthropic or OpenAI, on their terms, and you pay them for it. It isn't part of your Fractal plan, and we don't sell it.
• Their usage limits apply. If your subscription runs out or stops, Claude Code or Codex stops working on your machine until it's back.
• What Claude Code and Codex send to Anthropic or OpenAI, such as your instructions and the code and files they read, goes to them under your account, and their terms and privacy policies cover it.

8. Fractal AI: Frack, Rua, Edit with AI and Plan

• Every plan includes €20 of Fractal AI a month, shared by Frack, Rua, Edit with AI in Workflows and Plan's AI. We pay the AI providers for it. There's nothing to buy, and no top-ups.
• Each request uses some of the €20: how much depends on the model and on how much text goes in and comes out. Settings → AI shows what you've used this month and what's left.
• It starts again on the 1st of each month (UTC). It's part of your plan, not a balance: what you don't use doesn't carry over.
• There are daily limits too (UTC days), so one day can't use up the month. When one is reached it starts again the next day: you can still type when listening has run out, and replies are still written when the voices have. At the moment the daily limits are:
  • Frack and Rua: up to €2 of Fractal AI;
  • their voices: 8,000 characters spoken;
  • listening to you: 30 minutes;
  • the web: 200 searches and 100 pages read.
• We may change the monthly amount and the daily limits. If a change takes away something you pay for, section 3 says what you can do.
• AI gets things wrong. Check what Frack, Rua, Edit with AI and Plan tell you before you rely on it.

9. Your Cloud machine

• After you pay, we prepare a machine for you. It's a virtual server for your account alone, which we rent from Contabo. Billing says your machine is being prepared until it's ready. If we can't provide one, you can cancel and we'll refund what you've paid.
• We look after the machine: its operating system and Fractal Code. When a new version of Fractal Code is ready, you choose when to install it. We may also install one ourselves, for example to fix a security problem.
• Your projects, and what Fractal Code keeps for them, are on an encrypted part of the machine's disk. The key that unlocks it when the machine starts is held in AWS.
• We don't back up your machine. Your code belongs in your own GitHub repositories (section 10). Anything you haven't pushed to GitHub, such as changes, files, terminal history and agent conversations, is only on your machine, and is lost if the machine is. We do keep your boards and workflows, encrypted, as the privacy notice explains.
• Don't use your machine to mine cryptocurrency, send spam or bulk email, run an open proxy or VPN, scan or attack other systems, or host services for other people or resell it.

10. Your code and GitHub

• Your code stays in your own GitHub repositories. You connect GitHub to Fractal and choose which repositories it may use, and you can disconnect it at any time.
• We don't copy your code, your files, your terminal output or your agent conversations into Fractal's own storage. They stay on your machine and in GitHub.
• Changes reach GitHub when you push them, or when an agent doing a task you gave it pushes them. We don't push to your repositories otherwise.
• You keep every right you have in your code and in anything else you put into Fractal. We don't own any of it. You let us handle it only as far as we need to, to run Fractal for you.
• What agents write for you is yours to use as far as we're concerned. We can't promise it's free of mistakes, or of other people's rights in it, so check it before you use it. Anthropic's and OpenAI's terms also cover what Claude Code and Codex produce.
• Fractal itself, its software and its design, and Frack and Rua, belong to us. Your plan lets you use them while it's active.

11. Keeping your account safe

• Keep your password to yourself, and turn on an authenticator in Settings.
• Your plan is for you alone: don't share your account, or let anyone else use your machine. A plan is for one person: for a team, ask us about Enterprise.
• If you think someone else has got into your account, tell us straight away at support@echofold.ai.

12. What you mustn't do

• Break the law with Fractal, or use it to harm anyone.
• Try to get into anyone else's account, machine or data, or attack Fractal or anyone else.
• Get round Fractal's limits, its sign-in or its security.
• Put anything into Fractal, or run anything on your machine, that you don't have the right to use.

13. Pausing or closing an account

We can pause an account: while it's paused, nobody can sign in to it.

We may pause or close an account straight away if it's used against these terms, puts Fractal or anyone else at risk, or isn't paid for. Otherwise we'll give you reasonable notice. If we close your account for a reason that isn't your fault, we'll refund what you've paid for the time left.

14. Cancelling

• Your plan. Cancel any time in Billing, under Manage billing. Your plan carries on to the end of the month you've paid for, then stops and isn't renewed. We don't refund part of a month.
• Your first 14 days, if you're a consumer. The law gives you 14 days from the day you buy a plan to cancel it without giving a reason. At checkout you ask us to start your plan straight away, so if you cancel within those 14 days, we refund what you paid less an amount for the days you had it. To cancel, tell us clearly within the 14 days, by email to support@echofold.ai. You may use the form below, but you don't have to. We refund within 14 days of hearing from you, to the card you paid with.
• Your account. You can ask us at support@echofold.ai to delete your account, and the privacy notice says what that deletes and what is kept. Deleting your Fractal account also deletes its login. An older Echofold login used for Echofold's training site is separate and is not deleted with your Fractal account.
• Your machine and what's on it. We wipe your machine 30 days after your plan ends; until then, email us if you need anything from it. Before your plan ends, push your work to GitHub: your code there is yours, and stays there.

The cancellation form (fill it in and email it to us, only if you want to cancel within the 14 days):

To Echofold Limited, Unit 1, Richview Office Park, Clonskeagh, Dublin 14, D14 W6X6, Ireland, support@echofold.ai:

I give notice that I cancel my contract for the following service: Fractal, the plan named here: …

Ordered on: … Name: … Address: … Date: …

15. If something goes wrong

• We'll do our best to keep Fractal working, but in the beta there will be times it doesn't, and we don't promise any level of availability. For help, email support@echofold.ai.
• If you're a consumer, the law gives you rights when Fractal isn't as described or doesn't work properly, such as having it put right, a lower price or your money back. These terms don't limit them.
• GitHub, Anthropic and OpenAI run their own services, on their own terms, and we can't control them. When one isn't working, the parts of Fractal that use it can't work either.
• If you're a business customer, what we owe you for anything that goes wrong is limited to what you paid us in the 12 months before it happened, and we aren't liable for indirect or consequential loss, or for lost profits or data. Nothing in these terms limits liability for death or personal injury caused by negligence, or for fraud.

16. Changes to these terms

If we change these terms, we'll email you before the change applies. If a change is to your disadvantage, you can cancel before then and get back what you've paid for the time left.

17. Complaints, and the law

• Tell us about any problem at support@echofold.ai.
• If you're a consumer, the Competition and Consumer Protection Commission explains your rights at ccpc.ie. In the UK, once the beta is open there, Citizens Advice explains them at citizensadvice.org.uk.
• Irish law applies to these terms, and the courts of Ireland deal with any dispute about them. If you're a consumer, you keep the protection of the law where you live.