Franklin AI Terms and Conditions

Terms and Conditions of Franklin AI

Welcome to Franklin AI's Terms and Conditions. This document establishes the legal framework governing your use of our AI-powered financial advisory services. Please read these terms carefully, as they constitute a binding agreement between you and Franklin AI.

Last Updated: December 07, 2025

Table of Contents

1. Introduction and Acceptance of Terms
2. Definitions
3. Eligibility and Account Requirements
4. Description of Services
5. Account Registration and Security
6. Subscription Services and Fees
7. Purchasing Process and Payment Terms
8. Apple App Store Specific Terms
9. AI-Generated Insights and Disclaimers
10. Third-Party Services and Integrations
11. User Responsibilities and Prohibited Conduct
12. Intellectual Property Rights
13. User Data and Privacy
14. Liability Limitations and Disclaimers
15. Indemnification
16. Account Termination and Suspension
17. Modifications to Terms
18. Dispute Resolution and Governing Law
19. General Provisions
20. Contact Information

1. Introduction and Acceptance of Terms

What You Should Know at a Glance

• Franklin AI is an AI-powered financial advisory service intended exclusively for adult consumers • You must be at least 18 years old (or the age of majority in your jurisdiction) to use our services • Minors may access Franklin AI only under parental or adult supervision • These Terms constitute a legally binding agreement between you and Franklin AI LLC • By accessing or using Franklin AI, you affirm your acceptance of these Terms

Binding Agreement

These Terms and Conditions ("Terms") govern your use of Franklin AI and establish a legally binding agreement between you ("User," "you," or "your") and Franklin AI LLC ("Franklin AI," "we," "us," or "our"). These Terms apply to: • Our website and all associated subdomains • Mobile applications for iOS and Android devices • Any other platform through which we make our services available By accessing, browsing, or utilizing Franklin AI in any capacity, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms or the Privacy Policy, you must immediately discontinue use of our services.

Apple App Store Acknowledgment

Users acknowledge and agree that where Franklin AI has been provided via the Apple App Store, Apple Inc. may enforce these Terms as a third-party beneficiary. This Agreement is between you and Franklin AI LLC, not Apple. Apple bears no responsibility for Franklin AI or its content.

Service Provider Information

Franklin AI LLC 8 The Green Suite A Dover, Delaware 19901 Email: legal@meetfranklin.ai

2. Definitions

Throughout these Terms, the following definitions apply: "Agreement" refers to any legally binding or contractual relationship between Franklin AI and the User, as governed by these Terms. "Application" or "Franklin AI" means the Franklin AI platform, encompassing the website, mobile applications, and any other means through which we deliver our services. "Consumer" means any User qualifying as a consumer under applicable law, typically an individual acting for purposes outside their trade, business, craft, or profession. "Content" means all text, graphics, images, data, software, and other materials available through Franklin AI. "Owner" refers to Franklin AI LLC, the legal entity providing the Application and Services to Users. "Product" or "Products" means goods or services available through Franklin AI, including subscription plans, digital content, and premium features. "Service" or "Services" means the AI-powered financial advisory and analysis services provided by Franklin AI, as described in these Terms and throughout the Application. "Terms" means all provisions applicable to the use of Franklin AI and/or the Services, as described in this document and any related agreements or documents, as updated from time to time. "User," "you," or "your" means any natural person or legal entity utilizing Franklin AI.

3. Eligibility and Account Requirements

Age and Legal Capacity Requirements

To access and utilize Franklin AI, you must: • Be at least 18 years old or have reached the age of majority in your jurisdiction • Possess the legal capacity to enter into binding contracts under applicable law • Qualify as a Consumer under applicable law • Have a valid email address and phone number for account verification Minors may access Franklin AI only under the direct supervision of a parent or legal guardian who accepts full responsibility for the minor's use of the Service.

Geographic and Legal Restrictions

You represent and warrant that you: • Are not located in any country subject to a U.S. government embargo • Are not located in any country designated by the U.S. government as a "terrorist-supporting" country • Are not listed on any U.S. government list of prohibited or restricted parties, including the Treasury Department's Specially Designated Nationals List or the Commerce Department's Denied Persons List • Are not prohibited from using Franklin AI under any applicable laws or regulations

User Verification

Franklin AI reserves the right to verify your eligibility at any time. We may request additional documentation or information to confirm your identity, age, or legal capacity. Failure to provide requested verification may result in suspension or termination of your account.

4. Description of Services

Overview of Franklin AI Services

Franklin AI is an AI-powered financial advisory platform designed to help users make informed financial decisions. Our Services include, but are not limited to: • Financial Data Aggregation: Secure connection to your financial accounts via trusted third-party services like Plaid • AI-Powered Analysis: Intelligent analysis of your financial data using advanced AI models from Google, OpenAI and Anthropic • Personalized Insights: Tailored financial recommendations based on your unique financial situation • Budget Tracking: Tools to monitor spending patterns and manage budgets effectively • Financial Goal Planning: Assistance in setting and tracking progress toward financial objectives • Transaction Monitoring: Alerts for unusual activity or potential financial concerns • Spending Analysis: Categorization and visualization of your spending habits

Service Availability and Modifications

We strive to ensure optimal service availability; however, Franklin AI reserves the right to: • Modify, suspend, or discontinue any aspect of the Service at any time • Interrupt the Service for maintenance, updates, or technical improvements • Add or remove features without prior notice • Limit availability based on geographic location or device compatibility Where feasible, we will provide advance notice of significant changes. In the event of permanent service discontinuation, we will cooperate with Users to facilitate data export and honor applicable rights under law.

Service Interruptions

The Service may occasionally be unavailable due to circumstances beyond our reasonable control, including but not limited to: • Infrastructure failures or network outages • Force majeure events (natural disasters, acts of war, civil unrest, etc.) • Third-party service provider disruptions • Government actions or legal requirements Franklin AI shall not be liable for any service interruptions or unavailability resulting from such circumstances.

5. Account Registration and Security

Account Creation Requirements

To access Franklin AI's Services, you must register and create a user account. During registration, you must: • Provide accurate, complete, and current information • Supply all required data fields truthfully • Verify your email address and phone number • Create a strong password meeting our security standards Failure to provide accurate and complete information will render the Service unavailable to you. You agree to promptly update your account information should any details change.

Account Security Obligations

You are solely responsible for: • Maintaining the confidentiality of your login credentials • Safeguarding your password and account access • All activities conducted through your account, whether authorized or not • Monitoring your account for suspicious activity By registering, you agree to assume full responsibility for all activities occurring under your username and password. You must choose passwords that meet the highest security standards permitted by Franklin AI.

Notification of Security Breaches

You must immediately and unambiguously notify Franklin AI if you believe that: • Your personal information has been compromised • Your account credentials have been disclosed or stolen • Unauthorized access to your account has occurred • Any security vulnerability has been discovered Notification should be sent using the contact details specified in these Terms. Prompt notification enables us to take appropriate protective measures.

6. Subscription Services and Fees

Current Service Availability

Franklin AI currently offers its core Services at no cost to users. However, we reserve the right to introduce paid Products, premium features, or subscription tiers in the future.

Future Paid Services

Should we implement fees or paid subscriptions, we commit to: • Provide reasonable advance notice to all existing users • Update these Terms to reflect pricing and payment terms • Offer you the opportunity to review and accept updated terms • Allow existing users to discontinue service if they do not agree to new pricing

Paid Products Description

When paid Products become available, they will be offered on the basis of payment. Fees, duration, billing cycles, and conditions applicable to such Products will be clearly described within Franklin AI and in dedicated sections of these Terms.

Product descriptions, prices, and availability are subject to change without notice. While we present Products with the greatest technical accuracy possible, representations through graphics, images, or descriptions are for reference only and imply no warranty regarding the characteristics of purchased Products.

Subscription Terms and Auto-Renewal

If subscription services are introduced, the following terms will apply: • Subscriptions enable continuous or regular access to Products over time • Subscriptions automatically renew for the same duration unless cancelled • You must cancel at least 24 hours before the current period expires to avoid renewal • Renewal fees will be charged within 24 hours before the end of the current period • Subscriptions can be managed or cancelled through your account settings or the relevant app store

Price Display and Taxes

Prices displayed within Franklin AI may be shown either inclusive or exclusive of applicable fees, taxes, and costs, depending on the section you are browsing. During the purchasing process and before order submission, you will be informed of all fees, taxes, and costs (including any delivery charges) that will be applied.

7. Purchasing Process and Payment Terms

Steps in the Purchasing Process

When paid Products become available, the purchasing process will include these steps:

1. Selection: Choose the desired Product and review your purchase selection
2. Review: Carefully examine all information displayed, including pricing and terms
3. Submission: Place the order by submitting it through Franklin AI
4. Confirmation: Receive a receipt confirming order submission

Order Submission and Contract Formation

When you submit an order: • Order submission constitutes contract conclusion between you and Franklin AI • You become obligated to pay the specified price, taxes, and any additional fees • If the Product requires action from you (such as providing information), you are obligated to cooperate • All notifications related to your purchase will be sent to your registered email address

Payment Methods

Information regarding accepted payment methods will be made available during the purchasing process. Accepted payment methods may include: • Credit and debit cards (Visa, Mastercard, American Express) • Digital wallets (Apple Pay, Google Pay, Android Pay) • Third-party payment processors (Stripe) • App Store or Play Store payment systems Some payment methods may be available subject to additional conditions or fees. All payments are independently processed through secure third-party services. Franklin AI does not collect or store complete payment card information—we only receive notification once payment has been successfully completed.

Failed Payments

If payment through available methods fails or is refused by the payment service provider: • Franklin AI shall be under no obligation to fulfill the purchase order • We reserve the right to claim any related expenses or damages from you • Your access to paid features may be suspended or terminated • You remain responsible for any outstanding fees or charges

Digital Content Delivery

Unless otherwise stated, digital content purchased through Franklin AI is delivered via download or immediate access on your chosen device(s). You acknowledge and accept that: • Your device and its software must be legal, current, and meet market standards • Download or usage ability may be limited in time or geographic location • You are responsible for maintaining compatible devices and software

Retention of Ownership and Usage Rights

Until full payment is received by Franklin AI: • Ordered Products do not become your property • You do not acquire usage rights to purchased Products • Franklin AI retains all ownership rights and licenses Upon receipt of full payment, you acquire a limited, non-exclusive, non-transferable license to use the purchased Product in accordance with these Terms.

8. Apple App Store Specific Terms

Licensing and Scope

Franklin AI obtained through the Apple App Store is licensed, not sold, to you. The following terms apply specifically to users who download Franklin AI from the Apple App Store:

License Grant

Franklin AI grants you a non-transferable license to use the Application on any Apple-branded products that you own or control, as permitted by Apple's Usage Rules. You may not: • Distribute or make Franklin AI available over a network for simultaneous multi-device use • Transfer, redistribute, or sublicense the Application • Reverse-engineer, disassemble, or attempt to derive source code • Modify or create derivative works of the Application • Remove the Application from an Apple device before transferring ownership

Third-Party Beneficiary Rights

You acknowledge and agree that: • Apple is a third-party beneficiary of these Terms • Apple has the right to enforce these Terms against you • This Agreement is between you and Franklin AI, not Apple • Apple bears no responsibility for Franklin AI or its content • Apple has no obligation to provide maintenance or support services

Apple Subscriptions

If you subscribe to Franklin AI using your Apple Account through the Apple App Store: • All payments due shall be charged to your Apple Account • Subscriptions automatically renew unless cancelled at least 24 hours before the current period expires • Renewal fees will be charged within 24 hours before the end of the current period • Subscriptions can be managed or cancelled in your Apple App Store account settings • Apple's terms and conditions govern the payment relationship

Product Claims and Warranties

In the event of any failure of Franklin AI to conform to applicable warranties: • You may notify Apple to request a refund of the purchase price • Apple has no other warranty obligation with respect to Franklin AI • Any other claims, losses, liabilities, damages, costs, or expenses are solely Franklin AI's responsibility • Franklin AI, not Apple, is responsible for addressing any claims relating to the Application or your possession and use of it

Intellectual Property Claims

Franklin AI, not Apple, is solely responsible for investigating, defending, settling, and discharging any claim that Franklin AI or your possession and use of it infringes a third party's intellectual property rights.

Legal Compliance and Export Restrictions

You represent and warrant that: • You are not located in a country subject to U.S. government embargo • You are not on any U.S. government list of prohibited or restricted parties • You will comply with all applicable export and re-export restrictions • You will not use Franklin AI for any purposes prohibited by U.S. law, including development of nuclear, missile, chemical, or biological weapons

Contact Information for App Store Users

For questions, complaints, or claims regarding Franklin AI, you should contact Franklin AI at the address provided in these Terms. Apple is not responsible for addressing any such inquiries.

9. AI-Generated Insights and Disclaimers

Nature of AI-Generated Content

Franklin AI utilizes advanced artificial intelligence from Google, OpenAI and Anthropic to analyze your financial data and generate personalized insights. You acknowledge and understand that: • All insights, recommendations, and analyses are generated by AI algorithms • AI-generated content is based on patterns, historical data, and statistical models • Results may vary based on the quality and completeness of input data • AI systems can make errors or produce unexpected results

Not Financial Advice

CRITICAL DISCLAIMER: Franklin AI does NOT provide financial advice, investment recommendations, tax advice, or legal counsel. Our Services are educational and informational in nature only. The insights and recommendations generated by Franklin AI: • Are NOT personalized financial advice from a licensed professional • Should NOT be relied upon as the sole basis for financial decisions • Do NOT constitute recommendations to buy, sell, or hold any financial product • Are NOT a substitute for consultation with qualified financial, tax, or legal advisors • May not be suitable for your specific circumstances or goals

User Responsibility for Financial Decisions

You expressly acknowledge and agree that: • You are solely responsible for all financial decisions you make • You should consult qualified professionals before making significant financial decisions • Franklin AI makes no guarantees regarding the accuracy, completeness, or reliability of AI-generated insights • Past performance or historical patterns do not guarantee future results • You assume all risks associated with financial decisions based on Franklin AI's insights

No Guarantee of Accuracy

While we strive to provide accurate and useful insights, Franklin AI does not warrant or guarantee: • The accuracy, completeness, or timeliness of any information or insights • That AI-generated recommendations will achieve desired outcomes • That the Service will be error-free or uninterrupted • That all data integrations will function perfectly at all times Data accuracy depends on the quality of information provided by you and third-party financial institutions. Franklin AI is not responsible for errors in source data.

10. Third-Party Services and Integrations

Financial Data Aggregation (Plaid)

Franklin AI utilizes Plaid Technologies, Inc. to securely connect to your financial accounts. By using this integration: • You grant Franklin AI permission to access your financial data through Plaid • You agree to Plaid's End User Privacy Policy and terms of service • You acknowledge that data sharing occurs between your financial institutions, Plaid, and Franklin AI • You can revoke this access at any time through your Franklin AI settings

AI Processing Partners (Google, OpenAI & Anthropic)

Franklin AI leverages AI models from Google, OpenAI and Anthropic to process and analyze your financial data. By using Franklin AI: • You consent to your data being processed by these AI partners • You acknowledge that these partners operate under strict data processing agreements • You understand that your data is not used to train general AI models • You agree to the privacy policies of Google, OpenAI and Anthropic

General Third-Party Services

Franklin AI may provide access to or integrate with various third-party services and websites (collectively, "External Services"). You acknowledge and accept that: • Franklin AI has no control over External Services • Franklin AI is not responsible for the content, accuracy, or availability of External Services • Your use of External Services is at your sole risk • External Services are governed by their own terms and conditions • Franklin AI is not liable for any loss or damage arising from External Services

Affiliate Links and Recommendations

Franklin AI may provide links to third-party financial products, services, or resources. These links may be affiliate links, meaning Franklin AI may receive compensation if you engage with these third parties. When using these links or recommendations: • You are subject to the third party's terms and conditions • Franklin AI does not guarantee the quality, accuracy, or availability of third-party offerings • You should independently review terms before signing up for any third-party service • Your relationship with third parties is separate from your relationship with Franklin AI • Franklin AI receives no confidential information about your relationship with third parties

No Endorsement or Warranty

Franklin AI does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by third parties through Franklin AI or any hyperlinked website or service. Franklin AI shall not be a party to or monitor any transaction between you and third-party providers of products or services.

11. User Responsibilities and Prohibited Conduct

Acceptable Use

Franklin AI and the Services may only be used within the scope for which they are provided, under these Terms and applicable law. You are solely responsible for ensuring that your use of Franklin AI does not violate any applicable laws, regulations, or third-party rights.

Prohibited Activities

You may not use Franklin AI to engage in or facilitate: • Violation of any federal, state, local, or international laws or regulations • Infringement of intellectual property rights, privacy rights, or other rights of third parties • Fraudulent, deceptive, or misleading activities • Unauthorized access, interference, or disruption of Franklin AI's systems or networks • Transmission of viruses, malware, or other harmful code • Automated data collection, scraping, or harvesting without express permission • Harassment, abuse, threats, or defamation of any person or entity • Impersonation of Franklin AI, its employees, or other users • Circumvention of security measures or access controls • Resale or commercial exploitation of Franklin AI without authorization • Creating, uploading, or distributing content that facilitates exploitation or abuse of children

Enforcement and Consequences

Franklin AI reserves the right to take any appropriate measure to protect its legitimate interests, including: • Denying access to Franklin AI or the Services • Terminating or suspending user accounts • Reporting misconduct to competent authorities (judicial or administrative) • Pursuing legal action for damages or injunctive relief Such measures may be taken whenever you engage in or are suspected of engaging in prohibited activities, violating these Terms, infringing third-party rights, or considerably impairing Franklin AI's legitimate interests.

12. Intellectual Property Rights

Ownership of Content and Platform

Unless otherwise specified or clearly recognizable, all content available on Franklin AI is owned or provided by Franklin AI or its licensors. This includes, but is not limited to: • Software, source code, and algorithms • Text, graphics, logos, images, and visual designs • User interface and user experience designs • AI models, training data, and analytical frameworks • Documentation, guides, and educational materials • Trademarks, service marks, and trade names Franklin AI undertakes its utmost effort to ensure that content provided on the platform does not infringe applicable legal provisions or third-party rights. However, it may not always be possible to achieve such results. In such cases, without prejudice to any legal prerogatives you may have to enforce your rights, we kindly ask that you preferably report related complaints using the contact details provided in these Terms.

All Rights Reserved

Franklin AI holds and reserves all intellectual property rights for content available through the Application. Users may not use such content in any manner that is not necessary or implicit for proper use of the Service. Specifically, but without limitation, Users may not: • Copy, download, or share content beyond the limits explicitly permitted • Modify, translate, transform, or create derivative works from content • Publish, transmit, sell, sublicense, or transfer content to third parties • Edit or alter content in any way • Reverse-engineer, decompile, or disassemble software or algorithms • Remove, obscure, or alter copyright notices or proprietary markings • Allow third parties to engage in any of the above through the User's account or device, even without the User's knowledge Where explicitly stated on Franklin AI, Users may download, copy, and/or share some content for sole personal and non-commercial use, provided that copyright attributions and all other attributions requested by Franklin AI are correctly implemented. Any applicable statutory limitation or exception to copyright shall remain unaffected.

Software License

Any intellectual or industrial property rights, and any other exclusive rights on software or technical applications embedded in or related to Franklin AI, are held by Franklin AI and/or its licensors. Subject to your compliance with and notwithstanding any divergent provision of these Terms, Franklin AI grants you a revocable, non-exclusive, non-sublicensable, and non-transferable license to use the software and/or any other technical means embedded in the Service within the scope and for the purposes of Franklin AI and the Services offered. This license does not grant you any rights to: • Access, use, or disclose the original source code • Access proprietary techniques, algorithms, or procedures contained in the software • Use the software outside the intended scope of the Service • Access any documentation related to the software All techniques, algorithms, and procedures contained in the software and any documentation related thereto are Franklin AI's or its licensors' sole property. All rights and license grants to Users shall immediately terminate upon any termination or expiration of the Agreement.

DMCA Takedown Procedure

If copyright holders or their agents believe that any content on Franklin AI infringes upon their copyrights, they may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing Franklin AI's Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail): • A physical or electronic signature of a person authorized to act on behalf of the holder of an exclusive right that is allegedly infringed • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Franklin AI to locate the material • Information reasonably sufficient to permit Franklin AI to contact the notifying party, such as an address, telephone number, and, if available, an email address • A statement that the notifying party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law • A statement that the information in the notification is accurate, and under penalty of perjury, that the notifying party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed Failure to comply with all of the requirements outlined above may result in the invalidity of the DMCA notice. Copyright infringement notifications may be sent to: legal@meetfranklin.ai

Trademarks

All trademarks—nominal or figurative—and all other marks, trade names, service marks, word marks, illustrations, images, or logos appearing in connection with Franklin AI are, and remain, the exclusive property of Franklin AI or its licensors. They are subject to protection granted by applicable laws or international treaties relating to intellectual property. Users may not use these trademarks or marks without Franklin AI's express prior written permission or in any manner that disparages or discredits Franklin AI or its licensors.

13. User Data and Privacy

Privacy Policy Incorporation

Franklin AI's handling of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. To learn more about the collection, use, storage, and protection of your personal data, please refer to our comprehensive Privacy Policy. The Privacy Policy is available at: https://meetfranklin.ai/privacy

Data Collection and Use

By using Franklin AI, you acknowledge and consent to the collection and processing of personal data as described in our Privacy Policy, including but not limited to: • Personal identification information (name, email address, contact details) • Financial account data accessed through Plaid and other financial data aggregation services • Transaction data, account balances, and spending patterns • Usage data and analytics information about how you interact with Franklin AI • Device information and technical data (IP address, browser type, operating system) • Data processed by our AI partners (Google, OpenAI and Anthropic) to generate insights • Communications you send to us or through the platform

Provision of Personal Data

To access certain features or receive specific Products and Services, you may be required to provide personal data as indicated within Franklin AI. Unless specified otherwise, all data requested by Franklin AI is mandatory, and failure to provide this data may make it impossible for Franklin AI to provide its Services. In cases where Franklin AI specifically states that some data is not mandatory, Users are free not to communicate this data without consequences to the availability or functioning of the Service. Users who are uncertain about which personal data is mandatory are welcome to contact Franklin AI at legal@meetfranklin.ai.

Data Security Commitment

Franklin AI implements robust, industry-standard security measures to protect your data, including: • Encryption of data at rest using industry-standard encryption protocols • Encryption of data in transit using SSL/TLS protocols • Strict access controls ensuring only authorized personnel can access personal data • Multi-factor authentication requirements for sensitive operations • Regular security audits and vulnerability assessments • Continuous monitoring for suspicious activities and potential security breaches • Compliance with applicable data protection regulations (GDPR, CCPA, etc.) Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

Your Rights Regarding Personal Data

Subject to applicable law, you have rights regarding your personal data, including: Right of Access: You can request access to the personal data we hold about you and obtain a copy of that data. Right to Rectification: You can request correction of any inaccurate or incomplete personal data. Right to Erasure: You can request deletion of your personal data, subject to certain legal exceptions and our data retention policies. Right to Data Portability: You can request a copy of your data in a structured, commonly used, and machine-readable format for transfer to another service provider. Right to Object: You can object to certain data processing activities, including processing for direct marketing purposes. Right to Restrict Processing: You can request that we limit the processing of your personal data in certain circumstances. Right to Withdraw Consent: Where processing is based on consent, you can withdraw that consent at any time. To exercise these rights, please contact us at legal@meetfranklin.ai. We will respond to your request in accordance with applicable law, typically within 30 days.

International Data Transfers

Franklin AI's services are currently available in the United States and Canada. Your data may be stored and processed in these countries or in other jurisdictions where our service providers operate. By using Franklin AI, you consent to the transfer of your data to countries outside your country of residence, which may have different data protection laws. We ensure that any international data transfers comply with applicable data protection laws and that appropriate safeguards are in place to protect your information, including standard contractual clauses approved by relevant authorities.

14. Liability Limitations and Disclaimers

General Limitation of Liability

Unless otherwise explicitly stated or agreed with Users, Franklin AI's liability for damages in connection with the execution of the Agreement shall be excluded, limited, and/or reduced to the maximum extent permitted by applicable law.

General Disclaimer of Warranties

FRANKLIN AI IS PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS. USE OF THE SERVICE IS AT YOUR OWN RISK. To the maximum extent permitted by applicable law, Franklin AI expressly disclaims all conditions, representations, and warranties—whether express, implied, statutory, or otherwise—including, but not limited to: • Any implied warranty of merchantability • Any implied warranty of fitness for a particular purpose • Any warranty of non-infringement of third-party rights • Any warranty of quiet enjoyment • Any warranty that the Service will be uninterrupted or error-free • Any warranty that content is accurate, reliable, or correct • Any warranty of satisfactory quality

Specific Service Disclaimers

Franklin AI does not warrant, endorse, guarantee, or assume responsibility for: • The accuracy, reliability, or correctness of any content or information • That the Service will meet your specific requirements or expectations • That the Service will be available at any particular time or location • That the Service will be uninterrupted or secure • That any defects or errors will be corrected • That the Service is free of viruses or other harmful components • That AI-generated insights will be accurate or achieve desired financial outcomes • Any product or service advertised or offered by third parties No oral or written information or advice provided by Franklin AI or its authorized representatives shall create any warranty not expressly stated in these Terms. Franklin AI may become inaccessible or may not function properly with your web browser, mobile device, and/or operating system. Franklin AI cannot be held liable for any perceived or actual damages arising from Service content, operation, or use.

Limitation of Liability - General

Unless otherwise explicitly stated and without prejudice to applicable law, Users shall have no right to claim damages against Franklin AI (or any natural or legal person acting on its behalf). This limitation does not apply to: • Damages to life, health, or physical integrity • Damages resulting from the breach of material contractual obligations (obligations strictly necessary to achieve the purpose of the contract) • Damages resulting from intent or gross negligence • Any liability that cannot be excluded or limited under applicable law Unless damages have been caused by way of intent or gross negligence, or they affect life, health, or physical integrity, Franklin AI shall only be liable to the extent of typical and foreseeable damages at the moment the contract was entered into.

Limitation of Liability - Specific Exclusions

To the maximum extent permitted by applicable law, in no event shall Franklin AI and its subsidiaries, affiliates, officers, directors, agents, partners, suppliers, and employees be liable for: • Any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses • Any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Service or User account or the information contained therein • Any errors, mistakes, or inaccuracies of content • Personal injury or property damage, of any nature whatsoever, resulting from User access to or use of the Service • Any unauthorized access to or use of Franklin AI's secure servers and/or any and all personal information stored therein • Any interruption or cessation of transmission to or from the Service • Any bugs, viruses, trojan horses, or similar malicious code that may be transmitted to or through the Service • Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service • The defamatory, offensive, or illegal conduct of any User or third party • Loss or damage incurred as a result of relying on AI-generated financial insights or recommendations

Push Notification Disclaimer

Franklin AI may provide push notifications as a convenience to help you stay informed about your financial accounts, including payment reminders and alerts. However, Franklin AI cannot guarantee the delivery, timeliness, or receipt of push notifications. Delivery of push notifications depends on factors outside Franklin AI's control, including but not limited to your device settings, operating system, network connectivity, and third-party notification services. By using Franklin AI, you acknowledge and agree that Franklin AI shall not be held responsible or liable for any interest payments, late fees, penalties, or other charges incurred as a result of missed credit card payments or other financial obligations, regardless of whether push notifications were sent, received, or acted upon. You remain solely responsible for monitoring your payment due dates and ensuring timely payment of all financial obligations.

Cap on Liability

In no event shall Franklin AI and its subsidiaries, affiliates, officers, directors, agents, partners, suppliers, and employees be liable for any claims, proceedings, liabilities, obligations, damages, losses, or costs in an amount exceeding the greater of: • The amount paid by you to Franklin AI in the preceding 12 months, or • The period of duration of this Agreement between Franklin AI and you, whichever is shorter, or • $100.00 (one hundred US dollars) This limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction, whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if you have been advised of the possibility of such damage.

Jurisdictional Variations

Federal law, some states, and other jurisdictions do not allow the exclusion and limitations of certain implied warranties or limitations on applicable statutory rights of a consumer. The above exclusions and limitations may not apply to you. This Agreement gives you specific legal rights, and you may also have other rights that vary from state to state or jurisdiction to jurisdiction. The disclaimers, exclusions, and limitations of liability under these Terms shall not apply to the extent prohibited by applicable law.

Australian Users - Specific Provisions

Nothing in these Terms excludes, restricts, or modifies any guarantee, condition, warranty, right, or remedy which you may have under the Competition and Consumer Act 2010 (Cth) or any similar state and territory legislation and which cannot be excluded, restricted, or modified (non-excludable right). To the fullest extent permitted by law, Franklin AI's liability to you, including liability for a breach of a non-excludable right and liability which is not otherwise excluded under these Terms, is limited, at Franklin AI's sole discretion, to the re-performance of the services or the payment of the cost of having the services supplied again.

15. Indemnification

Your Indemnification Obligations

You agree to indemnify and hold Franklin AI and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, and employees harmless from and against any claim or demand—including but not limited to reasonable attorney's fees and costs—made by any third party due to or in relation with: • Any culpable violation of these Terms • Any violation of third-party rights • Any violation of statutory provisions connected to the use of the Service by you or your affiliates, officers, directors, agents, co-branders, partners, and employees to the extent allowed by applicable law • Your use of or access to the Service, including any data or content transmitted or received by you • Your breach of any of the representations and warranties set forth in these Terms • Your violation of any applicable law, rule, or regulation • Any content that is submitted from your account, including third-party access with your unique username, password, or other security measure, if applicable, including but not limited to misleading, false, or inaccurate information • Your willful misconduct • Any financial decisions made based on insights or recommendations from Franklin AI

Scope of Indemnification

The above also applies to any claims exercised by third parties (including but not limited to Franklin AI's clients or customers) against Franklin AI related to Digital Products or content provided by you, such as, for instance, conformity claims. Your indemnification obligations shall survive the termination or expiration of these Terms for a period of five years from the date of termination.

Defense of Claims

Franklin AI reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate fully with Franklin AI in asserting any available defenses and in the defense of such claims. You shall not settle any claim subject to indemnification without Franklin AI's prior written consent.

Indemnification Process

If Franklin AI seeks indemnification from you: • Franklin AI will promptly notify you in writing of any claim • You will have the right to defend the claim with counsel of your choice, subject to Franklin AI's approval • Franklin AI may participate in the defense at its own expense • You must keep Franklin AI informed of the status of the claim and any settlement negotiations • You are responsible for all costs, expenses, and damages awarded against Franklin AI

16. Account Termination and Suspension

Your Right to Terminate

You may terminate your account and discontinue use of Franklin AI at any time, subject to the conditions and according to the procedures outlined in the relevant section of Franklin AI. You may terminate your account by: • Sending a clear and unambiguous termination notice to Franklin AI using the contact details provided in these Terms • Using the account deletion controls within Franklin AI (if available) • Following any other termination procedures specified in Franklin AI Important: Termination of your account will not be possible until the subscription period paid for by you has expired, unless otherwise provided by applicable consumer protection laws.

Franklin AI's Right to Suspend or Terminate

Franklin AI reserves the right, at its sole discretion, to suspend or delete your account at any time and without prior notice if: • Your account is deemed inappropriate, offensive, or in violation of these Terms • You engage in prohibited activities as outlined in Section 11 (Prohibited Conduct) • You violate applicable laws or regulations • You infringe upon third-party rights, including intellectual property or privacy rights • Your account poses a security risk or creates potential legal exposure for Franklin AI • We are required to do so by law, court order, or governmental authority • We elect to discontinue the Service entirely or in your geographic region • You fail to pay fees when due (if applicable) • Your account has been inactive for an extended period

Consequences of Termination or Suspension

The suspension or deletion of User accounts shall not entitle Users to any claims for compensation, damages, or reimbursement. The suspension or deletion of accounts due to causes attributable to you does not exempt you from paying any applicable fees or prices incurred before termination. Upon termination or suspension of your account: • You will immediately lose access to Franklin AI and all associated features • All rights and licenses granted to you under these Terms will immediately terminate • You remain responsible for any outstanding fees, charges, or obligations • Your financial data connections through Plaid will be severed • Franklin AI may retain certain data as required by law or for legitimate business purposes • You will not be entitled to compensation, damages, or reimbursement • You may lose access to all data and content associated with your account

Data Retention After Termination

After account termination, Franklin AI may: • Retain certain personal data as required by applicable law • Retain data necessary to resolve disputes or enforce these Terms • Retain aggregated or anonymized data for analytical purposes • Delete all other personal data in accordance with our Privacy Policy If you wish to request deletion of your data after termination, please contact us at legal@meetfranklin.ai.

Surviving Provisions

Upon termination or expiration of these Terms, the provisions that by their nature are intended to survive termination shall survive, including but not limited to: • Your obligations for fees and charges incurred before termination • Intellectual property rights and licenses granted by you (which shall survive indefinitely) • Indemnification obligations (which shall survive for five years) • Disclaimer of warranties and representations (which shall survive indefinitely) • Limitation of liability provisions (which shall survive indefinitely) • Dispute resolution and governing law provisions • Any other provisions that by their nature should survive termination

Account Disconnection for Non-Subscribers

Franklin AI reserves the right to disconnect linked financial accounts for users who do not have an active subscription after one (1) week of account inactivity. Inactivity is defined as not logging into or otherwise engaging with the Franklin AI application. If your accounts are disconnected due to inactivity, you may reconnect them at any time by logging into Franklin AI and re-establishing your account connections. Franklin AI shall not be liable for any inconvenience, loss of data access, or other consequences resulting from account disconnection due to inactivity.

Effect on Subscription Services

If you have an active paid subscription at the time of termination: • Termination initiated by you: Your subscription will continue until the end of the current billing period, unless you are entitled to a refund under applicable consumer protection laws • Termination initiated by Franklin AI for cause: You forfeit any remaining subscription period and are not entitled to a refund • Termination initiated by Franklin AI without cause: You may be entitled to a pro-rata refund for the unused portion of your subscription

17. Modifications to Terms

Right to Amend

Franklin AI reserves the right to amend or otherwise modify these Terms at any time. In such cases, Franklin AI will appropriately inform you of these changes. When we make changes, we will: • Update the "Last Updated" date at the beginning of these Terms • Notify you of changes through email, in-app notification, or prominent notice on our website or within the Application • Provide reasonable advance notice for material changes that adversely affect your rights (typically 30 days) • Post the updated Terms on our website and within the Application

Effect of Changes

Such changes will only affect the relationship with you from the date communicated to you onwards. The continued use of Franklin AI after changes have been communicated will signify your acceptance of the revised Terms. The applicable previous version of the Terms will govern the relationship prior to your acceptance of the new Terms. You can obtain any previous version of these Terms from Franklin AI by contacting us at the email address provided in these Terms.

Your Options if You Disagree

If you do not wish to be bound by the changes, you must: • Stop using Franklin AI immediately upon receiving notice of the changes • Terminate your account in accordance with Section 16 • Notify us in writing of your objection to the changes If you have an active paid subscription and object to material changes, you may be entitled to a pro-rata refund for the unused portion of your subscription, subject to applicable consumer protection laws.

Material Changes Requiring Consent

For material changes that significantly affect your rights or obligations, we will provide enhanced notice and may require your affirmative consent before the changes become effective. Material changes may include: • Introduction of new fees or significant fee increases • Substantial reduction in Service functionality or features • Material changes to data collection, use, or privacy practices • Changes to dispute resolution procedures or governing law • Significant changes to user rights or obligations • Changes that affect processing activities performed based on your consent In such cases, we will collect new consent from you where legally required. If you do not provide consent, you may need to discontinue use of the Service.

Consumer Protection Rights

Your rights under applicable consumer protection laws remain unaffected by any modifications to these Terms. If changes to these Terms would deprive you of rights granted by mandatory consumer protection laws, such changes shall not apply to you, and the previous Terms shall continue to govern your relationship with Franklin AI.

Checking for Updates

We recommend that you regularly review these Terms to stay informed of any updates. The "Last Updated" date at the top of these Terms indicates when the Terms were most recently modified.

18. Dispute Resolution and Governing Law

Governing Law

These Terms are governed by the laws of the State of Delaware, United States, as disclosed in the relevant section of this document, without regard to conflict of laws principles.

Prevalence of National Consumer Protection Laws

However, regardless of the above, if the law of the country where you are located provides for higher applicable consumer protection standards, such higher standards shall prevail.

This choice of governing law does not deprive you of the protection afforded by provisions that cannot be derogated from by agreement by virtue of the law of your country of residence.

Amicable Dispute Resolution

Users may bring any disputes to Franklin AI, who will try to resolve them amicably. While your right to take legal action shall always remain unaffected, in the event of any controversy regarding the use of Franklin AI or the Service, you are kindly asked to contact Franklin AI at the contact details provided in this document. You may submit a complaint including: • A brief description of the issue or dispute • Details of any related order, purchase, or account (if applicable) • Your proposed resolution or desired outcome • Any relevant documentation or evidence Send complaints to: legal@meetfranklin.ai Franklin AI will process your complaint without undue delay and within 28 days of receiving it. We will make good faith efforts to resolve the dispute amicably before either party resorts to formal legal proceedings.

Venue of Jurisdiction

The exclusive competence to decide on any controversy resulting from or connected to these Terms lies with the courts of the State of Delaware, United States, as displayed in the relevant section of this document.

Exception for Consumers

The exclusive jurisdiction provision above does not apply to Users qualifying as Consumers under applicable law. Consumers retain the right to bring legal action in: • The courts of their place of residence • The courts of the place where the breach of contract occurred • Any other venue provided by applicable consumer protection laws

Class Action Waiver (US Users)

If you are a user in the United States: • Each party specifically waives any right to trial by jury in any court in connection with any action or litigation • Any claims under these Terms shall proceed individually and not as part of a class action • No party shall join in a class action or other proceeding with or on behalf of others • You may not act as a class representative or participate as a member of a class of claimants

Arbitration (Optional)

For disputes that cannot be resolved through amicable negotiation or informal resolution, the parties may mutually agree to submit the dispute to binding arbitration under the rules of the American Arbitration Association or another mutually agreed arbitration service. However, either party retains the right to pursue the dispute in court if arbitration is not mutually agreed upon. Arbitration is voluntary and requires mutual consent.

Small Claims Court

Notwithstanding any other provision in these Terms, either party may bring an individual action in small claims court for disputes or claims within the court's jurisdiction, provided the action remains in small claims court and proceeds only on an individual (non-class, non-representative) basis.

International Users

For users outside the United States: • If you are a citizen of any European Union country, Switzerland, Norway, or Iceland, the governing law and forum shall be the laws and courts of your usual place of residence • The United Nations Convention on the International Sale of Goods is specifically excluded from application to these Terms • Mandatory consumer protection laws of your country of residence may apply

Legal Fees and Costs

In any legal action or proceeding to enforce these Terms, the prevailing party may be entitled to recover its reasonable attorney's fees and costs, to the extent permitted by applicable law.

19. General Provisions

No Waiver

Franklin AI's failure to assert any right or provision under these Terms shall not constitute a waiver of any such right or provision. No waiver shall be considered a further or continuing waiver of such term or any other term. Franklin AI's failure to enforce any provision of these Terms shall not be construed as a waiver of that provision or any other provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Franklin AI.

Assignment of Contract

Franklin AI reserves the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these Terms, taking your legitimate interests into account. Provisions regarding changes to these Terms will apply accordingly. You will be notified of any such transfer, assignment, or subcontracting in accordance with the provisions regarding modifications to these Terms. If you object to such transfer or assignment, you may terminate your account in accordance with Section 16. You may not assign or transfer your rights or obligations under these Terms in any way without Franklin AI's express prior written permission.

Severability

Should any provision of these Terms be deemed or become invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect. US Users: Any such invalid or unenforceable provision will be interpreted, construed, and reformed to the extent reasonably required to render it valid, enforceable, and consistent with its original intent. These Terms constitute the entire Agreement between Users and Franklin AI with respect to the subject matter hereof and supersede all other communications, including but not limited to all prior agreements, between the parties with respect to such subject matter. These Terms will be enforced to the fullest extent permitted by law. EU Users: Should any provision of these Terms be or be deemed void, invalid, or unenforceable, the parties shall do their best to find, in an amicable way, an agreement on valid and enforceable provisions thereby substituting the void, invalid, or unenforceable parts. In case of failure to do so, the void, invalid, or unenforceable provisions shall be replaced by the applicable statutory provisions, if so permitted or stated under applicable law. Without prejudice to the above, the nullity, invalidity, or impossibility to enforce a particular provision of these Terms shall not nullify the entire Agreement, unless the severed provisions are essential to the Agreement, or of such importance that the parties would not have entered into the contract if they had known that the provision would not be valid, or in cases where the remaining provisions would translate into an unacceptable hardship on any of the parties.

Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices or agreements published by Franklin AI within the Service, constitute the entire agreement between you and Franklin AI concerning your use of the Service. They supersede all prior or contemporaneous communications, proposals, and agreements, whether electronic, oral, or written, between you and Franklin AI with respect to the Service. A printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Service Reselling Prohibited

You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of Franklin AI, the Service, use of the Service, or access to the Service without Franklin AI's express prior written permission, granted either directly or through a legitimate reselling program.

Communications and Notices

All communications relating to the use of Franklin AI must be sent using the contact information stated in these Terms. Franklin AI may provide notifications to you via: • Email to the address associated with your account • In-app notifications or messages within Franklin AI • Prominent notices on the Franklin AI website or within the Application • Push notifications to your mobile device (if enabled) • Postal mail to the address associated with your account You are responsible for ensuring that your contact information remains current and accurate. Notices sent to you electronically shall be deemed delivered when sent to your registered email address or when posted within Franklin AI.

Independent Contractors

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Franklin AI. You may not make any warranties or representations on behalf of Franklin AI or bind Franklin AI in any manner whatsoever.

Force Majeure

Franklin AI shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond its reasonable control, including but not limited to: • Acts of God, natural disasters, earthquakes, floods, fires • War, terrorism, riots, civil unrest, embargoes • Acts of civil or military authorities • Pandemics, epidemics, or public health emergencies • Strikes, labor disputes, or shortages • Infrastructure failures, power outages, or telecommunications failures • Government actions, laws, or regulations • Internet service provider failures or delays • Cyberattacks or security breaches beyond Franklin AI's reasonable control In such events, Franklin AI's obligations shall be suspended for the duration of the force majeure event. Franklin AI will make reasonable efforts to mitigate the effects and resume performance as soon as practicable.

Accessibility Commitment

Franklin AI is committed to making its content accessible to users with disabilities. If you have a disability and are unable to access any portion of Franklin AI due to your disability, please provide notice including a detailed description of the issue encountered.

Contact us at: legal@meetfranklin.ai

If the accessibility issue is readily identifiable and resolvable in accordance with industry-standard information technology tools and techniques, Franklin AI commits to promptly addressing it.

Language

These Terms are drafted in English. If these Terms are translated into other languages, the English version shall prevail in case of any inconsistency or discrepancy between the English version and any translation.

Headings and Interpretation

The headings and subheadings in these Terms are for convenience and reference only and shall not affect the interpretation of any provision. Words such as "including," "includes," or "such as" shall be deemed to be followed by the phrase "without limitation." The use of "or" is not exclusive.

Third-Party Beneficiaries

Except as expressly provided in Section 8 (Apple App Store Specific Terms), these Terms do not confer any third-party beneficiary rights. No person or entity not party to these Terms shall have any right to enforce any provision of these Terms.

Export Compliance

You may not use, export, re-export, import, sell, or transfer Franklin AI except as authorized by United States law, the laws of the jurisdiction in which you obtained Franklin AI, and any other applicable laws. You specifically agree that you will not use Franklin AI for any purposes prohibited by United States law, including, without limitation, for the development, design, manufacture, or production of nuclear, missile, chemical, or biological weapons.

You represent and warrant that you will comply with all applicable export and import laws and regulations.

Survival of Terms

Upon termination of these Terms for any reason, the provisions that by their nature are intended to survive termination or expiration shall survive, including but not limited to: • Intellectual property provisions (Section 12) • User data and privacy provisions (Section 13) • Payment obligations (Section 7) • Disclaimer of warranties (Section 14) • Limitation of liability (Section 14) • Indemnification obligations (Section 15) • Dispute resolution provisions (Section 18) • General provisions (Section 19)

Government Users

Franklin AI and related documentation are "Commercial Items," as that term is defined at 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation," as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable.

Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, Franklin AI and related documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein.

Unpublished rights are reserved under the copyright laws of the United States.

20. Contact Information

For Questions or Concerns

If you have questions, concerns, or complaints regarding these Terms or Franklin AI's Services, please contact us:

Franklin AI LLC
8 The Green Suite A
Dover, Delaware 19901

Email: legal@meetfranklin.ai
Legal Inquiries: legal@meetfranklin.ai

Support and Assistance

While we strive to create an exceptional user experience, we understand that concerns may occasionally arise. We are committed to addressing your issues promptly and professionally. Please don't hesitate to reach out to us with any questions or feedback.

By using Franklin AI, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These Terms constitute the entire agreement between you and Franklin AI LLC regarding your use of the Services.

Additional Program Terms

The following additional terms apply to specific Franklin AI programs and are incorporated by reference:

• Franklin AI Referral Program Terms — Terms governing participation in Franklin AI's referral rewards program, including eligibility, rewards, and fraud prevention.