Legal

Terms of service

Last updated 14 October 2026

The short version. Frank Plans are built by Frank's team of AI specialists and checked automatically, not by a person. They are general business and planning information, not financial, tax or legal advice. Prices include GST. Cancel any time. Change your mind within 14 days, before your first plan starts building, and you get your money back. If a plan is faulty we fix it or refund it. All of this is on top of your rights under the Australian Consumer Law.

1. Who we are

Frank Plans is a trading name of Empire Concepts Pty Ltd (ABN 35 110 696 574, ACN 110 696 574), Victoria, Australia. "We", "us" and "Frank" mean Empire Concepts Pty Ltd. You can reach us at frank@reply.frankplans.com.au.

2. What a Frank Plan is, and what it isn't

A Frank Plan is a written planning document produced by Frank's team of artificial intelligence (AI) agents from the answers and documents you give us and from public sources. Every plan goes through automatic checks before it is released. Plans are not reviewed by a person.

A Frank Plan is general business and planning information. It is not:

financial product advice. We do not hold an Australian financial services licence and we do not recommend shares, funds, superannuation, insurance, crypto or any other financial product;
credit assistance. We do not hold a credit licence and we do not recommend loans, lenders or refinancing;
a tax agent or BAS service. We are not registered with the Tax Practitioners Board. Where a plan mentions a tax concession it lists the published criteria only, and you must confirm with a registered tax agent before you act or claim anything;
legal advice, or real estate agency services such as appraisals.

When your situation needs a licensed professional, the plan will say so. You decide what to do with a plan. Please check the facts and get licensed advice before making financial, tax or legal decisions.

3. Who can use Frank

You must be 18 or over and live or operate in Australia. If you use Frank for a business or club, you confirm you're allowed to share its information with us.

4. Your account

You sign in with a one time link sent to your email. Keep your email account secure; anyone who can open your email can open your portal.

5. Plans and memberships

Frank Lite ($29 a month, monthly only): plan space for one full plan (or two quick plans) each month, Chat with Frank with a larger chat allowance, and the Monday check in. The price stays $29 a month; we never move you to a bigger membership. You can move up at any time.
Frank Personal ($79 a month or $790 a year): plan space for 2 full plans (or 4 quick plans) each month.
Frank Plus ($149 a month or $1,490 a year): plan space for 4 full plans (or 8 quick plans) each month, for business and personal plans.
Frank Pro ($299 a month or $2,990 a year): plan space for 8 full plans (or 16 quick plans) each month, and deep plans.
Extra plan space, for members: 5 credits (one quick plan) for $29, 10 credits (one full plan) for $49, 30 credits (three full plans) for $129, or the 1 to 4 credits you're short of a full plan at $6 each. One payment each time, GST included.

How plan space works. Each membership comes with a set amount of plan space each month. A full plan answers one big question. Smaller jobs use less space: a monthly update or a quick plan uses about half a full plan. A deep plan uses about one and a half. Before Frank starts any plan, your portal shows its size and whether you have room for it, and Frank never uses more than that. Uploads are included in every plan, up to the file and page limit for your membership: 100 pages a plan on Frank Personal, 200 on Frank Plus and 400 on Frank Pro.

Unused monthly space carries over for one month, then expires. Extra plan space you buy doesn't expire while your membership is active. For yearly memberships, plan space is added each month of the year. A plan that Frank can't finish uses no space: any space it used is returned.

Memberships are for plans, updates and big decisions. Chat with Frank is included for support and ideas, with a monthly chat allowance (currently about A$3 of AI time a month, which is plenty for most people). Frank tells you in plain words when it's running low. If you use it up, Frank always asks first, and only uses one plan credit to keep chatting if you press the button to agree. Chat with Frank gives general information and ideas only. It is not financial, legal, tax, health or other professional advice.

All prices are in Australian dollars and include GST. Memberships renew automatically at the end of each period until you cancel. We'll email you before a yearly membership renews.

6. Starting at $29

From 15 October 2026 the $29 way in is Frank Lite, at $29 a month with one full plan each month, and the price does not go up. The bigger memberships are charged at their own price from the first month. If you joined on an earlier $29 offer, your price stays at $29 when the offer ends: you move to Frank Lite unless you have chosen another membership yourself, and we email you a week before. You can cancel at any time and nothing more is charged. You'll see your exact price before you pay.

7. Referrals

Once your first plan is delivered, your portal gives you a referral link. If someone joins a monthly membership through your link, using a different payment card from yours, they join at the normal price for the membership they choose (most start on Frank Lite at $29 a month). After they've paid their second month, your next 3 monthly payments are $29 each. If you're on Frank Lite, a yearly membership or have no membership at the time, you get extra plan space for 1 full plan instead. You can earn up to 4 referral rewards in any 12 months. Referrals must be genuine: you can't refer yourself, and you can't make or pay for accounts to earn rewards. Rewards have no cash value. Please only share your link with people who'd want it, and don't send it as spam.

Promo and gift codes

Some partners and friends of Frank Plans share codes. Each code's offer, the memberships it works on, any end date and any limit on uses are shown before you pay. A code works on monthly memberships, once per person and once per payment card. A $29 code starts Frank Lite at $29 a month, which stays $29 and includes one full plan each month. A gift code starts a membership with no card and no charge; it ends automatically at the end of the gifted months, we email you a week before, and nothing is ever charged unless you choose to join. Codes have no cash value and can't be swapped for money. We may switch off a code that is being misused.

Your own branding (Frank Pro)

Frank Pro members can put their business name and logo on the cover and page headers of their plans, and present the plans as their own. You must have the right to use any logo you upload. Every plan keeps a short fine print page at the back explaining that it was prepared with Frank Plans and is general information, not financial, tax or legal advice. If you share a plan with others, you're responsible for how you present it.

The 2 hour promise

Your plan will be in your portal within 2 hours of you sending your answers. If it isn't, that plan is free: we refund a one plan purchase in full, or return the plan space to your membership, automatically. The 2 hours starts when you send your answers, and starts again if Frank asks you a follow up question and you answer it. It doesn't apply to a plan Frank couldn't finish to standard, which is refunded or returned anyway.

8. Cancelling

You can cancel a membership at any time from your portal, in two taps. Your membership stays active until the end of the period you've paid for, then stops. There are no cancellation fees. Unused plan space ends when your membership ends.

9. Refunds

Change of mind. Within 14 days of buying a one plan, or within 14 days of your first membership payment, you can get a full refund from your portal, as long as your first plan hasn't been delivered or started building yet. A membership refund also cancels the membership.
If Frank can't finish your plan to our standard, we refund a one plan purchase automatically, or return the plan space to your membership.
If a plan is faulty, for example it gets a material fact or calculation wrong, tell us and we'll fix it or refund it.
These refunds are in addition to your rights under the Australian Consumer Law.

10. Your rights under the Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law, including that they will be provided with due care and skill. If we fail to meet a guarantee you may be entitled to a remedy. Where you buy a plan for a business and it is not of a kind ordinarily acquired for personal, domestic or household use, and it is fair and reasonable to do so, our liability for failing to meet a guarantee is limited to supplying the plan again or paying the cost of having it supplied again. Nothing in these terms limits any right you have that the law says cannot be limited.

If you think a plan contains a mistake, tell us at frank@reply.frankplans.com.au. We'll fix it or refund you.

11. Estimates and how plans are made

Every Frank Plan, outline and email from Frank is produced by Frank's team of AI specialists.

Figures in a plan are estimates based on the information you give us, public sources and stated assumptions. Each plan shows how its figures were worked out and lists its sources. Results depend on what you do and on things outside anyone's control, so no outcome is guaranteed. AI can make mistakes, which is why every plan is checked automatically and shows its workings so you or your adviser can check them too.

12. What you agree to

Give accurate information, and only share other people's personal information if you're allowed to.
Don't upload identity documents, card numbers, bank account numbers, tax file numbers or passwords. We don't need them.
Don't use Frank for anything unlawful, to harm anyone, or to try to break or overload the service.
Don't resell Frank Plans or offer them as a service to others.

13. Who owns what

You can use your plans for your own personal or business purposes, and share them with your advisers, staff, committee or lender. Frank's templates, methods, software and branding remain ours.

14. Your information

Our privacy policy explains what we collect and how we protect it. In short: nobody reads your answers or documents to make your plan, documents are deleted 7 days after your plan is delivered (or straight away if you ask), and we never sell your information.

15. Changes

If we change these terms or our prices, we'll email you at least 30 days before the change affects you. If you don't agree, you can cancel before the change and we'll refund any unused part of a yearly membership.

16. Suspending accounts

We may suspend an account that breaks section 12. Except where the law requires us to act straight away, we'll tell you why first and give you a chance to fix it.

17. Complaints and the law that applies

Email frank@reply.frankplans.com.au. Frank's automated assistant will reply, usually within 1 business day. If it can't resolve your complaint, it is passed to Empire Concepts Pty Ltd and we'll respond within 10 business days. You can also contact Consumer Affairs Victoria or your local consumer protection agency. These terms are governed by the laws of Victoria, Australia.