Just Frank

Legal

Terms of Service

Last updated: June 21, 2026 · Effective: June 21, 2026

1. Acceptance

These Terms of Service (“Terms”) form a binding agreement between you and QX Holdings Inc.(“Just Frank,” “we,” “us”) and govern your use of the Just Frank web platform, mobile apps, and related services (collectively, the “Services”). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy.

If you do not agree, do not use the Services.

2. Eligibility

You must be at least 16 years old (or the minimum age required by your jurisdiction, whichever is higher) to use Just Frank. If you are using Just Frank on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Your account

  • You are responsible for keeping your login credentials secure.
  • You are responsible for all activity on your account.
  • You must give us accurate information and keep it up to date.
  • One human, one account. You may not share an account or impersonate someone else.
  • Tell us promptly if you suspect unauthorized access.

4. Communities and hosts

Just Frank hosts private communities operated by independent community owners (“Hosts”). Each community has its own rules set by its Host. By joining a community you agree to follow its rules in addition to these Terms.

Just Frank is the platform; Hosts set the membership terms (free, paid, invite-only), moderate their communities, and provide whatever services they offer to their members. Disputes about a community’s offerings, refunds, or moderation should be raised with the Host first; we may step in for clear violations of these Terms or the law.

5. Your content

You retain ownership of everything you post on Just Frank — posts, comments, journal entries, dharma reviews, photos, files, AI conversations, and any other content (“Content”). By posting Content, you grant Just Frank a non-exclusive, worldwide, royalty-free licence to host, display, copy, and distribute it as needed to operate the Services. This licence ends when you delete the Content (subject to the retention timelines in our Privacy Policy).

You represent that you have the rights to the Content you post.

6. AI services

Just Frank includes AI-powered features (“Frank” and community-specific AIs). AI outputs are generated by machine-learning models and may be inaccurate, incomplete, or unsuitable for your situation. Do not rely on AI output for medical, legal, financial, or other professional advice. Verify anything important with a qualified human.

AI processing is described in our Privacy Policy §4.

7. Payments and subscriptions

Some communities charge for membership. If you join a paid community, billing is handled by Stripe on behalf of the Host. You authorize Stripe to charge your payment method for the amount and cadence shown at checkout.

  • Subscriptions renew automatically until cancelled.
  • You can cancel at any time from your billing settings; cancellation takes effect at the end of the current billing period.
  • Refunds are at the Host’s discretion unless required by law. Contact the Host first; if unresolved, contact us.
  • The Just Frank mobile app does not process payments. Payments happen on the web at itsjustfrank.com.

8. Acceptable use

You agree not to:

  • Post content that is illegal, abusive, harassing, defamatory, hateful, sexually exploitative, or that violates third-party rights
  • Spam, phish, scrape, or otherwise abuse the Services or its users
  • Reverse engineer, decompile, or attempt to extract source code (except where allowed by law)
  • Use the Services to compete with Just Frank or to build a competing product
  • Circumvent rate limits, security controls, or moderation systems
  • Use AI features to generate content that violates these Terms
  • Resell or redistribute access to the Services without our written permission

We may remove Content or suspend accounts that violate these rules.

9. Intellectual property

Just Frank, the Just Frank name, logos, and platform are owned by QX Holdings Inc. We grant you a limited, non-exclusive, non-transferable licence to use the Services for their intended purpose. Nothing in these Terms transfers any of our intellectual property to you.

10. Copyright (DMCA)

If you believe content on Just Frank infringes your copyright, send a takedown notice to hello@itsjustfrank.com with: (a) identification of the copyrighted work, (b) the URL of the allegedly infringing material, (c) your contact information, (d) a statement of good-faith belief that the use is unauthorized, (e) a statement under penalty of perjury that your notice is accurate, and (f) your physical or electronic signature.

11. Termination

You can stop using Just Frank at any time and delete your account in settings. We may suspend or terminate your account if you violate these Terms, if continued service would expose Just Frank or its users to material risk, or if required by law.

Sections that should reasonably survive termination — including ownership, disclaimers, limitation of liability, and dispute resolution — survive termination.

12. Disclaimers

The Services are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Services will be uninterrupted, error-free, secure, or that AI outputs will be accurate or appropriate for your use case.

13. Limitation of liability

To the maximum extent permitted by law, QX Holdings Inc., its officers, directors, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of the Services.

Our total liability for any claim arising under these Terms is limited to the greater of (a) the amounts you paid us for the Services in the 12 months before the claim, or (b) CAD $100.

14. Indemnification

You agree to indemnify and hold harmless QX Holdings Inc. and its personnel from claims, damages, and costs (including reasonable legal fees) arising from your Content, your use of the Services, or your violation of these Terms or applicable law.

15. Governing law and disputes

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in BC, without regard to conflicts-of-law rules. The courts of British Columbia have exclusive jurisdiction over any dispute that cannot be resolved informally, except where applicable law requires otherwise.

Before filing a claim, please contact us at hello@itsjustfrank.com — we will try to resolve disputes in good faith.

16. Changes

We may update these Terms from time to time. The updated version will be posted at this URL with a new “Last updated” date. Material changes will be announced in-app or by email at least 14 days before they take effect. Continued use of the Services after the effective date constitutes acceptance.

17. Contact

QX Holdings Inc.
4705 Mann Road, Box 302
Rossland, BC V0G 1Y0
Canada

Email: hello@itsjustfrank.com