Refund Policy for Hello Frank AI, Inc.

This Refund Policy ("Policy") outlines the conditions under which Hello Frank AI, Inc. ("we," "our," or "us") issues refunds for our services. By using our platform, you agree to the terms described herein.

1. General Refund Eligibility

Hello Frank AI is committed to delivering a functional and valuable platform. Refunds are strictly evaluated based on the criteria set forth in this Policy.

• Eligible for Refund: A refund may be granted if we are unable to deliver a "Working Platform" (as defined below) solely due to an unresolved technical blocker on our end.
• Not Eligible for Refund: No refunds will be issued in cases where we successfully deliver a Working Platform, but you expected features, functionalities, or third-party integrations that were not explicitly included or supported as part of the platform at the time of sale.

2. Definition of a "Working Platform"

For the purposes of this Policy, a "Working Platform" is defined as meeting all of the following conditions:

1. The platform is online and successfully connected to at least two (2) primary bank accounts or credit cards associated with your business.
2. The platform is successfully connected to your designated accounting system.
3. The platform is capable of retrieving data from the successfully connected data sources and can answer inquiries regarding that data.
4. The platform’s generated figures and insights accurately reflect the underlying data accessed from your connected sources.

3. Exceptions and Limitations

Certain issues are beyond the control of Hello Frank AI and do not constitute a failure to deliver a Working Platform. You will not qualify for a refund under the following circumstances:

• A banking connection is supported by our platform but requires reconnection, re-authentication, or maintenance due to security measures, multi-factor authentication (MFA), or other policies enforced by your financial institution or account settings.
• A banking connection is established, but the data or visibility provided via our platform differs from the layout, detail, or visibility you see when logging directly into your online banking portal.

4. Requirements to Qualify for a Refund

To be considered for a refund under the "technical blocker" provision (Section 1), you ("the Client") must fulfill all of the following obligations:

1. Data Connectivity: You must have attempted to connect all available and supported data sources to the Hello Frank AI platform.
2. Onboarding Completion: You must have attended and completed all scheduled onboarding calls with the Hello Frank AI team.
3. Action Items: You must have completed all requested steps and action items required for onboarding, including but not limited to authorizing third-party applications to connect to bank feeds and other necessary integrations.
4. Support Cooperation: You must have provided necessary documentation, such as screenshots or video recordings (e.g., Loom), to our support team to allow us to promptly and thoroughly investigate any technical issues.
5. Collaboration: You must have worked collaboratively and reasonably with the Hello Frank AI team in a good faith attempt to achieve the desired outcomes and resolve any technical blockers.

5. Contact and Review Process

If you believe you meet the criteria for a refund as outlined in this Policy, please contact our support team at [email protected] to initiate a review of your account status. We will review your request against the requirements listed above and determine eligibility at our sole discretion.