This app/web service can be accessed at dynalist dot io.
The terms of service and privacy policy are easy to understand. They have the usual legalese but also include simple explanations to statements in such language. There’s essentially paragraphs of text and then off to the side sections that say “Basically,…” and explain the legal terms in layman terms. Unlimited storage is free. There are plenty of themes for free. You can use a mono-space font. The app loads up pretty fast. There’s an app for Android and iOS devices. Dynalist is easy to understand since it features files and folders and like the team says “Everyone already knows how to work files and folders.”