Frank Terms of Service

Welcome to Frank, a service of Control. Alt. Delete LLC ("Frank," "we," "us," or "our"). These Terms of Service ("Terms") and our Privacy Policygovern your use of Frank's website, text-messaging service, and related applications and software (collectively, the "Services"). Please read them carefully.

Frank is a private money line you reach by text. You connect a financial account once, in read-onlymode, and Frank helps you understand your money — what's safe to spend, what just changed, and what's quietly creeping up — and may proactively text you when something appears worth your attention. Frank can never move, send, or withdraw your money.

Agreement to Terms. By using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

Communications consent.By using the Services, you consent to receive communications from us — including text messages, email, and in-product messages — about your account, security, and the Services. See "Text Messaging" below and our Privacy Policy.

IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND FRANK THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW THE "DISPUTE RESOLUTION" SECTION BELOW CAREFULLY, INCLUDING THE PROCEDURE TO OPT OUT.

Not Financial Advice; No Fiduciary Relationship

Informational only. Frank is a technology service that helps you understand your own money. Frank is not a bank, broker-dealer, investment adviser, tax adviser, accountant, or financial planner, and Frank does not provide financial, investment, tax, legal, or accounting advice. Nothing Frank tells you is a recommendation to take or refrain from any particular action.

No fiduciary duty. Using the Services does not create a fiduciary, advisory, or professional relationship between you and Frank. You are solely responsible for your financial decisions, and you should consult a qualified professional before making important ones.

Connecting Your Accounts (Read-Only)

(a) Authorization.When you connect a financial account, you authorize Frank and our connectivity provider, Plaid Inc. ("Plaid"), to access information from that account on your behalf in read-only mode, including balances, account details, and transaction history. You enter your credentials directly through Plaid; we never receive or store your bank login credentials.

(b) No movement of funds. The connection is read-only. Frank cannot and will not move, transfer, send, withdraw, or make payments from your accounts.

(c) Your representations. You represent that any account you connect belongs to you or that you are authorized to connect it, and that the information you provide is accurate.

(d) Disconnecting.You may disconnect an account at any time, which stops Frank from receiving further information from it. Your use of Plaid is also subject to Plaid's end user terms and privacy policy.

Text Messaging

Frank communicates with you primarily by text message. By providing your mobile number and using the Services, you consent to receive text messages from us, which may be sent using automated technology. Message frequency varies based on your use of the Services. Message and data rates may apply. Reply STOP to opt out at any time and HELPfor help. You represent that the mobile number you provide belongs to you, and you agree to notify us if it changes. Opting out of text messages will limit or end Frank's ability to provide the Services.

AI-Generated Content

Frank uses artificial intelligence to generate its responses and insights. AI output can be inaccurate, incomplete, or out of date. Frank's figures (such as "safe to spend," balances, or projections) are estimates based on the information available to it and may not reflect your true financial position. Do not rely on Frank as your sole source of truth — verify important information with your financial institution before acting on it.

Who May Use the Services

Eligibility. You may use the Services only if you are 18 or older, capable of forming a binding contract with Frank, and not barred from using the Services under applicable law.

Your account. You agree to keep your account information accurate and to keep your account secure. You are responsible for activity that occurs under your account, and you agree to notify us promptly of any unauthorized use.

Feedback. If you send us feedback or suggestions, you grant us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, to use it for any purpose.

Intellectual Property

Frank and its licensors own all right, title, and interest in and to the Services, including all associated intellectual property rights. We grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Services for your own personal, non-commercial purposes, subject to these Terms.

General Prohibitions

You agree not to:

• Reverse engineer, copy, resell, distribute, or modify the Services except as permitted by law;
• Attempt to interfere with, disrupt, or gain unauthorized access to the Services or related systems;
• Use the Services to violate any law or the rights of others; or
• Permit anyone else to do any of the foregoing.

Third-Party Services

The Services rely on and may link to third-party services (such as Plaid and your financial institutions). We are not responsible for third-party services, and your use of them may be subject to their own terms.

Fees and Payment

Certain features of the Services may be offered for a fee or on a subscription basis ("Fees"). Any applicable Fees, billing cadence, and trial terms will be disclosed to you before you are charged. Subscriptions renew until cancelled; you may cancel at any time, and cancellation takes effect at the end of the current billing period. Except as required by law, Fees are non-refundable. We may change our pricing on a going-forward basis with notice. You are responsible for applicable taxes.

Termination

You may stop using the Services and close your account at any time by contacting us at help@kineticapps.io. We may suspend or terminate your access to the Services at our discretion, including if you violate these Terms.

Warranty Disclaimers

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES — OR ANY FIGURE, INSIGHT, OR ANSWER FRANK PROVIDES — WILL BE ACCURATE, COMPLETE, TIMELY, OR ERROR-FREE, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR SECURE.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER FRANK NOR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, OR FINANCIAL LOSSES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF OR INABILITY TO USE THE SERVICES.

IN NO EVENT WILL FRANK'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF THE AMOUNTS YOU PAID FRANK IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY OR ONE HUNDRED DOLLARS ($100).

Indemnity

You will indemnify and hold harmless Frank and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or connected with your use of the Services or your violation of these Terms.

Governing Law

These Terms and any related dispute will be governed by the Federal Arbitration Act, applicable federal law, and the laws of the State of California, without regard to its conflict-of-laws rules.

Dispute Resolution

Binding arbitration.You and Frank agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services ("Disputes") will be resolved by binding, individual arbitration, and not in a class, representative, or consolidated proceeding. You and Frank each waive the right to a trial by jury and to participate in a class action.

Exceptions and opt-out. Either party may bring a qualifying claim in small claims court or seek injunctive relief to protect its intellectual property. You may opt out of arbitration by sending written notice to help@kineticapps.io within thirty (30) days after you first agree to these Terms.

Class action waiver. YOU AND FRANK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.

General

Changes. We may update these Terms from time to time. If we make material changes, we will notify you. Your continued use of the Services after the changes take effect means you accept the updated Terms.

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Frank regarding the Services and supersede any prior agreements.

Notices and waiver. We may provide notices by email or by posting within the Services. Our failure to enforce any provision is not a waiver of it.

Contact. Questions about these Terms? Contact us at help@kineticapps.io.