Plain English. No surprises.
Franky is a free financial guidance tool operated by sofranky.com. If you have questions about your data, email us at privacy@sofranky.com.
Franky does not sell, share, or monetise your personal data or conversation content with third parties. Our business model is a direct subscription — Franky Plus. We may use anonymised, aggregated data to improve the product and publish market insights. Your personal data is never individually identifiable in any external use.
We use session cookies only. These keep you signed in while you use Franky. No tracking cookies. No third-party advertising cookies. No cross-site tracking of any kind.
Only sent if you ticked the box during sign-up. You can unsubscribe at any time using the link in any email, or by emailing privacy@sofranky.com.
Most of your profile data is stored in your browser's local storage. It lives on your device, not our servers. Any data we do hold server-side is encrypted at rest and transmitted over HTTPS.
You can access, correct, or delete your data at any time. Email privacy@sofranky.com and we'll sort it promptly.
If we make material changes to how we handle your data, we'll notify registered users by email before the changes take effect.
Franky is a free financial guidance tool. It uses AI to give you clear, direct answers about personal finance. Savings, investing, pensions, property, debt, tax, and life decisions. Think of it as a knowledgeable friend with no financial products to sell, not as a regulated financial service.
Nothing on Franky constitutes regulated financial advice. Franky is not authorised or licensed by the FCA, SEC, FINRA, ASIC, MAS, Central Bank of Ireland, CSA, or FMA. It provides general guidance only.
For significant financial decisions, especially those involving large sums, complex tax situations, or circumstances specific to you, you should speak to a regulated financial adviser in your market. Franky will tell you when that's the right call.
Franky gives you frameworks, principles, and market-specific context. It doesn't know every detail of your personal situation. Always consider your own circumstances before acting on anything Franky says. The guidance is general. The decision is yours.
The free tier gives you 14 questions every 14 days, permanently. No credit card required. No trial that expires. It stays free.
You may use Franky for personal financial guidance. You may not:
We aim for 99% uptime but we can't guarantee it. Franky is a live service. We occasionally need to take it offline briefly for maintenance. We won't do this without good reason.
We reserve the right to update these terms. If we make significant changes, we'll notify registered users and give reasonable notice before they take effect. Continuing to use Franky after that constitutes acceptance.
Anything unclear? Email hello@sofranky.com and we'll give you a straight answer.