Please read these terms carefully before using our services.
Last updated: February 9, 2026
Welcome to Frankie. These Terms of Service ("Terms") govern your use of the website usefrankie.com and any related services (collectively, the "Service") operated by Frankie ("we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.
Frankie provides an educational quiz designed to help users understand their debt relief options, including debt settlement and bankruptcy. Our Service:
The information provided through our Service is for general informational and educational purposes only. It does not constitute legal, financial, or professional advice. The quiz results are algorithmic recommendations based on the information you provide and should not be considered a substitute for professional consultation.
Before making any financial decisions, we strongly recommend consulting with a qualified financial advisor, attorney, or certified credit counselor who can evaluate your specific situation.
We do not guarantee any specific outcomes from debt settlement, bankruptcy, or any other debt relief option. Results vary based on individual circumstances, creditor policies, and other factors outside our control.
When you choose to be connected with a debt settlement company or bankruptcy attorney through our Service, you are entering into a separate relationship with that third party. We are not responsible for the actions, services, or advice of these third-party providers. We encourage you to carefully review their terms, qualifications, and reputation before engaging their services.
You must be at least 18 years old and a resident of the United States to use our Service. By using our Service, you represent and warrant that you meet these eligibility requirements.
When using our Service, you agree to:
The Service and its original content, features, and functionality are owned by Frankie and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without our express written permission.
Your use of our Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.
To the maximum extent permitted by law, Frankie shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:
You agree to indemnify and hold harmless Frankie, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Service or violation of these Terms.
We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.
We may terminate or suspend your access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, third parties, or our business interests.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action lawsuit.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.
If you have any questions about these Terms, please contact us at:
Email: legal@usefrankie.com