These Terms of Service ("Terms") govern your use of the Frank application ("Frank", "the application"). By using Frank, you accept these terms.
1. Service Description
Frank is a mobile and web application designed for personal finance tracking. It analyzes your bank statements, sorts your spending into ceps (spending pockets), tracks installments and subscriptions, and provides personalized recommendations through the Mehmet Amca AI assistant.
Frank is not a financial advisory service. All information, AI advice, and analyses provided by Frank are for informational purposes only and do not substitute for professional financial advice. We recommend consulting a qualified financial professional before making important financial decisions.
2. Account Creation and Use
- You must be at least 16 years old to use Frank
- Users between 16 and 18 require legal guardian consent
- You are responsible for the confidentiality of your account information and all activities that occur on your account
- You are obligated to provide accurate and current information
- You must notify us immediately if you suspect unauthorized use of your account
3. Subscription and Pricing
Frank is a subscription-based service.
Current prices and any free trial period are shown on the subscription screen in the app before purchase. Payment is charged to your App Store account; the subscription renews automatically unless cancelled at least 24 hours before the end of the current period. To cancel: Settings > [your name] > Subscriptions.
Payment method: Payments are made through the Apple App Store. Frank does not access or store your card information; payments are secured by Apple.
Refunds: Refunds are subject to Apple's refund policies. Frank does not process refunds directly.
4. Acceptable Use
When using Frank, you must avoid the following behaviors:
- Use for unlawful purposes
- Uploading bank statements or financial information belonging to others
- Damaging the system, reverse engineering, or automated data scraping attempts
- Interfering with the normal operation of the service
- Creating fake accounts or opening multiple accounts
- Unauthorized resale or rental of the service to third parties
5. Intellectual Property
The Frank application, the Mehmet Amca character, logo, design, code, and all other content are the intellectual property of Ozan Can Sisman. Unauthorized copying, reproduction, or creation of derivative works is prohibited.
Data you upload to the application (bank statements, manual entries, etc.) belongs to you. Frank processes this data solely to provide service to you.
6. Disclaimer
Frank is not a bank or financial institution. Frank is not directly connected to any bank or financial institution and has no access to any bank API. The data consists of information you enter and transactions read from the bank statements you upload. The accuracy of this data is entirely your responsibility. Frank does not and cannot verify the accuracy of user-entered data against any bank records.
Frank is provided "as is". No warranties are given on the following matters:
- 100% accuracy of bank statement analysis results
- The impact of AI advice on your financial outcomes
- Uninterrupted or error-free operation of the service
- Actions of third-party service providers (Apple, Google, banks)
Financial decisions arising from the use of Frank are entirely your responsibility.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Ozan Can Sisman shall not be liable for indirect, incidental, or consequential damages arising from the use of Frank. Total liability is limited to the most recent 12 months of subscription fees.
8. Account Termination
You may delete your account at any time from within the application. Accounts that violate these Terms may be suspended or closed without notice.
For data retention periods after account closure, see our Privacy Policy.
9. Changes
Material changes to these Terms will be communicated to you by email or in-app notification. Continued use of Frank after changes take effect constitutes acceptance of the changes.
10. Governing Law and Jurisdiction
These Terms are governed by the laws of the Republic of Türkiye. The İstanbul (Çağlayan) Courts and Enforcement Offices shall have jurisdiction over disputes arising from these Terms.
11. Contact
For questions: privacy@unclefrank.app