Legal

Terms of Service

Last updated: July 13, 2026 · Effective: July 13, 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.

What a Host tells you is not advice from us. Hosts are independent — they are not our employees or agents, and we do not review, endorse, or verify what they teach, coach, sell, or claim. Communities on Just Frank cover things like coaching, fitness, wellness, and business. Nothing offered by a Host through Just Frank is medical, psychological, legal, or financial advice, and Just Frank is not a healthcare, legal, or financial services provider. Do not delay or disregard professional advice because of something you read in a community. If you have a health emergency, contact a doctor or emergency services.

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, store, display, copy, distribute, and — only as needed to operate the Services — reformat, excerpt, and create machine-readable representations of it (such as search indexes and AI embeddings, which let Frank and search find your Content).

We do not use your Content to train AI models, and we do not licence it to anyone else to do so. This licence exists only so the Services can function, and it ends when you delete the Content or your account — see the retention timelines in our Privacy Policy §5.

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. See our Refund Policy, which forms part of these Terms.
The Just Frank mobile app does not process payments. Payments happen on the web at itsjustfrank.com.

The Host is the merchant of record for a paid community. Your payment goes to the Host through Stripe; Just Frank takes a platform fee. The Host sets the price, the offering, and the refund terms, and the Host is responsible for delivering what they sold.

If you run a community (Host plans)

If you operate a community on Just Frank, you pay us a subscription for the workspace. Those plans:

Renew automatically — monthly or annually, as shown at checkout — until you cancel.
Can be cancelled at any time from your billing settings, effective at the end of the current period. We do not pro-rate partial periods unless the law requires it.
May change in price. We will give you at least 30 days’ notice by email before a price change takes effect, and you may cancel before it does.
May be suspended if payment fails and is not resolved after we have notified you. Your community’s data is retained during a suspension and is available again once billing is current.
Are exclusive of applicable taxes, which we add where required.

Some features are metered (for example, AI usage and email volume). Where a feature is metered, we show you the rate before you enable it, and we do not charge you for it unless you turn it on.

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 — notices, counter-notices, and repeat infringers

We respect copyright and we expect our users to do the same. We respond to valid notices under the U.S. Digital Millennium Copyright Act (DMCA) and under Canada’s Copyright Act notice-and-notice regime.

Designated agent

Our designated agent to receive copyright infringement notices is:

Sending a takedown notice

Send your notice to the agent above, including: (a) identification of the copyrighted work, (b) the URL or location 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 the information in your notice is accurate and that you are the rights holder or authorized to act for them, and (f) your physical or electronic signature.

You can also report allegedly infringing content from the post itself, using Report → Copyright or intellectual property. Reports of copyright infringement go to Just Frank, not to the community’s Host.

Counter-notice

If we remove your Content and you believe it was removed by mistake or misidentification, you may send a counter-notice to the same agent, including: (a) identification of the removed material and where it appeared, (b) a statement, under penalty of perjury, that you have a good-faith belief the removal was a mistake or misidentification, (c) your name, address, and phone number, and (d) your consent to the jurisdiction of a court in your district (or, if you are outside the United States, of the courts of British Columbia). We may restore the Content if the complaining party does not file an action within the period the law allows.

Bad-faith notices have consequences. Knowingly misrepresenting that material is infringing — or that it was removed by mistake — can make you liable for damages under 17 U.S.C. §512(f).

Repeat infringers

We terminate the accounts of repeat infringers. Every valid copyright notice we act on is recorded against the account that posted the material. An account that is the subject of repeated valid notices will be terminated, and the person behind it may be barred from opening a new one. We may also terminate an account on a first offence where the infringement is egregious or commercial in scale. A record is cleared if the notice behind it is withdrawn or successfully countered.

A Host whose community is repeatedly used to distribute infringing material may have the community suspended in addition to any action against individual accounts.

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 you are a repeat copyright infringer (§10), 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.

Step 1 — talk to us first

Most problems can be sorted out quickly. Before starting any formal proceeding, email us at hello@itsjustfrank.com describing the issue and what you would like us to do. We will try in good faith to resolve it within 60 days. This step is required of us as well as of you.

Step 2 — arbitration

If we cannot resolve the dispute within 60 days, either of us may refer it to binding arbitration before a single arbitrator, seated in Vancouver, British Columbia, under the Arbitration Act (British Columbia). The arbitration will be conducted in English, and may be held by video or on documents alone if you prefer.

We pay the cost.For any claim of CAD $50,000 or less brought by an individual, Just Frank pays the arbitrator’s fees and the administrative costs of the arbitration, win or lose. You are never required to travel: if you ask, the arbitration will be held remotely or in writing. Each side otherwise bears its own legal fees, unless the arbitrator decides otherwise.

What is not covered

Nothing in this section prevents either of us from:

bringing a claim in small claims court, if it qualifies;
seeking an injunction or other urgent relief from a court to stop misuse of intellectual property or a security breach;
reporting a matter to a regulator or other public authority.

Your consumer rights are untouched.Nothing in these Terms waives, limits, or removes any right or remedy you have under consumer protection law that cannot be waived by agreement — including under British Columbia’s Business Practices and Consumer Protection Act. If the law of your home jurisdiction gives you the right to bring a claim in your local courts, this section does not take that away.

No class actions

To the extent permitted by law, disputes will be resolved individually. You and Just Frank each agree not to bring a claim as a plaintiff or class member in a class, collective, or representative proceeding, and the arbitrator may not consolidate claims or preside over a class proceeding.

If that waiver is unenforceable, this whole section falls away. If a court of competent jurisdiction finds the class-action waiver above to be unenforceable as to a particular claim, then this entire §15 (Steps 1 and 2 and this waiver) does not apply to that claim, and the claim will be heard by the courts of British Columbia, which will have jurisdiction over it. The rest of these Terms remain in force.

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
Canada

Email: hello@itsjustfrank.com