Terms of Use
Updated 08-05-26
These Terms of Use govern your use of this website (https://www.getfrank.com/) and all related webpages (collectively, our “Website”), your use of Frank, our artificial intelligence (AI)-powered application (our “Application”), and any other services provided by us to you in connection with our Application (collectively, our “Services”). Our Website, Application, and/or Services are provided to you by SmartPath, Inc. (referred to as “we”, “our”, or “us”). Please thoroughly review these Terms of Use. By accessing and/or using our Website, Application, and/or Services, and/or by otherwise agreeing to be bound by these Terms of Use by clicking in a box, you agree to these Terms of Use. If you do not agree to these Terms of Use, then you must refrain from accessing and/or using our Website, Application, and/or Services.
These Terms of Use shall not apply to the website for https://www.joinsmartpath.com/, which has its own terms of use made available through such website.
Last Updated: August 05, 2026
Scope
Our Website contains links to our Terms of Use and our Privacy Policy.
Not A Financial Planner, Broker Or Tax Advisor
NEITHER OUR WEBSITE, APPLICATION, AND/OR SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. WE ARE NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Website, Application, and/or Services are intended only to assist you in your financial organization and decision-making and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Website, Application, and/or Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider whether it may be appropriate to obtain additional tailored advice from your accountant or other financial advisors who are fully aware of your individual circumstances.
Your Rights To Use Our Website, Application, and/or Services; And Your Restrictions
Our Website, Application, and Services are protected by copyright, trade secret, and other intellectual property laws. Subject to any and all restrictions we may place on your use of our Website, Application, and/or Services, you may use our Website, Application, and/or Services only for your own individual informational and educational purposes, and for no other purposes, and we reserve all rights of ownership and use in and of our Website, Application, and/or Services. Without limiting the foregoing, you agree not to use our Website, Application, and/or Services to:
- (i) violate any applicable local, state, federal or international law;
- (ii) engage in any illegal, harmful, or abusive activity;
- (iii) infringe, misappropriate, and/or violate any person’s rights;
- (iv) reverse engineer, decompile, modify, copy, lease, sell, distribute, discover the source code and/or underlying components for, our Website, Application, and/or Services;
- (v) automatically or programmatically extract the output from our Services;
- (vi) misrepresent the output of our Services as being human-generated;
- (vii) use the output of our services to compete against the Services we provide to our customers;
- (viii) interfere or disrupt our Services;
- (ix) circumvent or bypass any protective measures and/or safety features that are part of our Services
- (x) engage in any commercial activities; and/or
- (xi) use tokens in a month in excess of our then current monthly token cap as updated by us from time to time.
If you violate any of these restrictions, then in addition to all other legal remedies available to us, we may suspend or terminate your access to our Website, Application, and/or Services, and we may also delete any account that you have with us.
Other Agreements for Our Services
Our Services may require that you enter into agreements, including, without limitation, consenting to other terms and conditions with us for our Services. In the event of any conflict between such agreements and these Terms of Use, such agreements shall govern and control.
Payments
For Services that we provide to you on a payment or subscription basis, the following terms apply, unless we notify you otherwise in writing or unless your subscription has been paid for by a third party such as an employer or retirement plan provider, in which case your subscription is covered under an agreement with that third party.
Payments will be billed to you in U.S. dollars, and your account will be debited when you subscribe and provide your payment information. You must pay with one of the following:
• A valid credit or debit card acceptable to us;
• Sufficient funds in a checking or savings account to cover an electronic debit of the payment due; or
• By any other payment option made available by us.
If your payment and registration information is not accurate, current, and complete and/or you do not notify us promptly when such information changes, we may suspend or terminate your account and refuse any use of the Services.
We will automatically renew your subscription at current rates at the time of renewal and for the term of your most recent subscription, unless the Services are canceled or terminated in accordance with the written cancellation or termination terms associated with such cancelled or terminated Services.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
DISCLAIMER OF WARRANTIES.
YOUR USE OF OUR WEBSITE, APPLICATION, AND/OR SERVICES IS ENTIRELY AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR WEBSITE, APPLICATION, AND/OR SERVICES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND. WE, FOR OURSELVES, AND FOR OUR AFFILIATES, OUR PARTNERS (I.E., INCLUDING, WITHOUT LIMITATION, ALL EMPLOYERS THAT SPONSOR OUR APPLICATION AND/OR SERVICES FOR THEIR EMPLOYEES, AND THEIR RESPECTIVE THIRD PARTY ADMINISTRATORS THROUGH WHOSE WEBSITES THE APPLICATION AND/OR SERVICES MAY BE MADE AVAILABLE) AND ALL THIRD PARTY SERVICE OR DATA PROVIDERS, LICENSORS, DISTRIBUTORS AND/OR SUPPLIERS (COLLECTIVELY REFERRED TO AS, “SUPPLIERS”), DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY REGARDING: OUR WEBSITE, APPLICATION, AND/OR SERVICES BEING FIT FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, DATA LOSS, UPTIME OR CONTINUITY OF THE WEBSITE, APPLICATION, AND/OR SERVICES, NON-INTERFERENCE WITH OR NON-INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS, OR THE ACCURACY, RELIABILITY, QUALITY OR CONTENT IN OR LINKED TO OUR WEBSITE, APPLICATION, AND/OR SERVICES. WE AND OUR AFFILIATES, PARTNERS AND SUPPLIERS DO NOT WARRANT THAT OUR WEBSITE, APPLICATION, AND/OR SERVICES WILL BE FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT OR DESTRUCTION.
WE AND OUR AFFILIATES, PARTNERS AND SUPPLIERS DISCLAIM ANY REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF OUR WEBSITE, APPLICATION, AND/OR SERVICES WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATIONS OR LAWS OR REGULATIONS. THIS DISCLAIMER APPLIES TO, BUT IS NOT LIMITED TO, THE GRAMM-LEACH-BLILEY ACT OF 1999, THE SARBANES-OXLEY ACT OF 2002, THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (“HIPAA”), AND/OR ANY OTHER FEDERAL OR STATE STATUTES OR REGULATIONS, EACH AS AMENDED AND IN EFFECT FROM TIME TO TIME. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF OUR WEBSITE, APPLICATION, AND/OR SERVICES IS IN ACCORDANCE WITH APPLICABLE LAWS.
LIMITATION OF LIABILITY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTIRE LIABILITY OF US, AND OUR AFFILIATES, PARTNERS AND SUPPLIERS FOR ALL MATTERS OR CLAIMS RELATING TO OUR WEBSITE, APPLICATION, AND/OR SERVICES SHALL BE LIMITED TO THE GREATER OF THE AMOUNT YOU PAID TO US FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO SUCH CLAIM, OR $100.
WE AND OUR AFFILIATES, PARTNERS AND SUPPLIERS ARE NOT LIABLE FOR ANY OF THE FOLLOWING: (A) ANY AND ALL INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES; (B) ANY AND ALL DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS; (C) CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS, REVENUE, PROFITS OR INVESTMENT, OR USE OF SOFTWARE OR HARDWARE. THE ABOVE LIMITATIONS APPLY EVEN IF WE AND OUR AFFILIATES, PARTNERS AND SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THESE TERMS OF USE SET FORTH THE ENTIRE LIABILITY OF US AND OUR AFFILIATES, PARTNERS AND SUPPLIERS, AS WELL AS YOUR EXCLUSIVE REMEDY, WITH RESPECT TO OUR WEBSITE, APPLICATION, AND/OR SERVICES.
Indemnification
You agree to indemnify, defend, and hold harmless us and our affiliates, partners and suppliers from and against any and all claims, liability and expenses, including reasonable attorneys’ fees and costs, arising out or in any way related to your use of our Website, Application, and/or Services, and/or your breach of these Terms of Use (collectively referred to as “Claims”). We reserve the right, in our sole discretion, to assume the exclusive defense and control of any Claims. You agree to reasonably cooperate as requested by us in the defense of any Claims.
Changes To These Terms of Use
We may change these Terms of Use from time to time, and the changes will be effective when you access and/or use our Website, Application, and/or Services, and/or when you otherwise agree to be bound by these Terms of Use by clicking in a box. Please review these Terms of Use periodically for changes.
Termination
We may immediately and without notice terminate your access to our Application and/or Services if you fail to comply with these Terms of Use. Upon termination of our Application and/or Services for any reason, you must immediately stop using our Application and/or Services and any outstanding payments owed by you to us will become immediately due and payable. Any termination of our Application and/or Services shall not affect our rights to any payments owed by you. Notwithstanding any termination of our Application and/or Services, the sections of these Terms of Use that are intended to survive the termination of our Application and/or Services shall survive and remain in full force and effect. Upon termination of our Application and/or Services for any reason, we reserve the right to (a) collect all charges, fees, commitments and obligations incurred or accrued by you; (b) delete any of your information in our possession, including, without limitation, any of your information in the Application; (c) prohibit your continued access to our Application and/or Services; and (d) refuse your future access to the Application and/or Services.
Copyright and Trademark Notices
All materials of our Website, Application, and/or Services are owned and copyrighted or licensed by us, our affiliates, our partners and/or our suppliers. No reproduction, distribution, or transmission of the copyrighted materials of our Website (and any successor websites or additional websites or any co-branded websites), Application, and/or Services is permitted without our written permission. Any rights not expressly granted herein are reserved by us. Our name and logo and the name and logo for Frank are our trademarks (the “SmartPath Marks”). You agree not to display or use the SmartPath Marks in any manner whatsoever without our prior permission.
Governing Law and Jurisdiction
The internal, substantive laws of the State of Georgia govern these Terms of Use without regard to its conflicts of laws provisions. You agree that to resolve any legal dispute arising from these Terms of Use exclusively in the state or federal courts located in Atlanta, Georgia. We do not represent that information on or in our Website, Application, and/or Services is appropriate or available for use in all countries. We prohibit accessing materials from countries or states where such access is illegal. You are accessing our Website, Application, and/or Services on your own initiative and you are responsible for compliance with all applicable laws.
General
You represent and warrant that you are at least 18 years of age. These Terms of Use, in addition to any other written agreements between you and us, constitute the entire agreement and understanding between you and us regarding our Website, Application, and/or Services. If any court of competent jurisdiction rules that any part of these Terms of Use to be invalid, illegal, void or unenforceable, then such part of the Terms of Use will be removed and severed from the Terms of Use without affecting the validity, enforceability, and effectiveness of the remainder of the Terms of Use. The remaining terms will be valid and enforceable. Our right and remedies under these Terms of Use are intended to be cumulative and any failure by us to exercise or enforce any of our rights or remedies under or in connection with these Terms of Use or to which we are entitled under any applicable law, will not constitute or be taken or construed as a waiver of any of our rights or remedies, all of which will still be and remain available to us. By agreeing to be bound by these Terms of Use, you also agree to receive e-mail communication from us unless you respond that you would like for your address to be removed from this list.
SmartPath, Inc.
2451 Cumberland Pkwy SE
Suite 3608
Atlanta, GA 30339
© 2026 All Rights Reserved. Frank is an AI-powered service provided by SmartPath, Inc. The calculators, content, conversations, estimates, insights, monitors, projections, and other tools (collective, Frank’s content) within Frank are for informational and educational purposes only. They are not, and may not be construed as, legal, investment, or tax advice. They discuss financial concepts in a general manner, include alerts, hypotheticals, and insights based on information you provide (including from linked accounts), and give tailored commentary on non-investment topics. Frank does not provide a comprehensive financial plan. SmartPath, Inc. does not guarantee that Frank’s suggestions and recommendations will result in successful outcomes. While SmartPath, Inc. strives to keep Frank’s information and tools accurate and up to date, the content may differ from that found on other financial institutions, service providers, or specific product sites. Frank’s content may contain errors and/or be outdated, and accordingly, Frank’s content should be carefully checked and verified by users prior to use or reliance. Any use or reliance on Frank’s content is at the user’s sole risk. All of Frank’s content is presented without warranty.