Terms of use.

Frank is a trading name of Meet Frank (Pty) Ltd, a private company registered in the Republic of South Africa under registration number 2025/917033/07. In these terms, “we”, “us” and “Frank” mean Meet Frank (Pty) Ltd, and “you” means the business using the site and the person using it on that business’s behalf.

We operate the website at meetfrank.ai (the “site”), which helps South African businesses compare funding options and get introduced to lenders.

• Address: 42 Plein Street, Stellenbosch, Western Cape, 7600
• Director: Lynette du Plessis
• Email: support@meetfrank.ai
• Telephone: 076 080 9814

By using the site — browsing it, running the funding check, or asking us to introduce you to a lender — you agree to these terms and to our privacy note. If you do not agree, please do not use the site.

You confirm that you are at least 18 years old and that you are authorised to act for the business whose details you give us. If you are acting for someone else’s business, you confirm you have their permission to share their information with us and with the lenders you choose.

Frank is a funding comparison and introduction service. You answer questions about your business, we check those answers against each lender’s published criteria, and we show you what fits, what does not, and why. If you ask, we introduce you to a lender you have chosen.

To be explicit about what we are not:

• We are not a lender or a credit provider. We do not lend money, grant credit, approve applications, underwrite, or price anything, and we are not registered as a credit provider with the National Credit Regulator. Every credit agreement is concluded directly between you and the lender, on the lender’s terms, after the lender’s own checks.
• We are not a registered financial services provider (FSP). We are not licensed under the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS), and we do not render financial advice or intermediary services in relation to financial products as that Act defines them. We do not advise on, market, or arrange insurance, investments, deposits, retirement products or medical schemes, and nothing on the site should be read as an invitation to take up any of those.
• We are not your adviser. Nothing on the site — including anything said by Frank, the character who walks you through the flow — is financial, legal, accounting or tax advice, and none of it is tailored to your circumstances. It is general information about funding products. If you need advice on whether a particular facility suits your business, speak to a suitably qualified professional.
• We do not act as your agent in negotiating with a lender, and we do not act as the lender’s agent in assessing you. We introduce; the two of you contract.

The funding check compares the answers you give against each lender’s published eligibility rules. It is an indication of fit and nothing more. In particular:

• It is not an offer of credit, not a quotation, not a pre-approval, and not a promise that any lender will fund you.
• It is not a credit enquiry. We do not search your credit record or that of your business, and running the check leaves no footprint at a credit bureau. A lender may ask for your consent to run its own enquiry later, if you apply.
• Amounts, rates, fees and terms shown on the site are indicative. They come from publicly available lender information and from data lenders give us, and lenders change them without telling us. The lender’s own written quote is the only figure that counts. Where the site and a lender disagree, the lender is right.

When you ask us to introduce you — by clicking “Apply now via Frank” or requesting a follow-up — we send your answers and your contact details to that lender only. We do not broadcast your details to the panel, and nothing goes to any lender until you ask for it.

From that point the relationship is between you and the lender. The lender decides whether to engage with you, what to ask for, what to offer and on what terms. We have no say in that decision and no ability to reverse it.

We may ask the lender whether your application progressed, so that we can keep the site’s criteria accurate and know whether a referral fee is due. How we handle all of this data is set out in our privacy note.

Frank is free for you. We never charge you a fee for using the site, for the funding check, or for an introduction, and we will never ask you for payment before an introduction.

We are paid by lenders. If you take up funding from a lender we introduced you to, that lender pays us a referral fee. We are not paid for showing you an option, only for funding that actually lands.

That is a conflict of interest, so here is how we handle it, and you are entitled to hold us to it:

• The fee is the same across the panel, so we have nothing to gain by steering you to one lender rather than another.
• What we show you, and the order we show it in, is decided by your answers against each lender’s criteria. It is not decided by the fee.
• The fee is paid by the lender out of its own revenue. It is not added to your cost of credit, and it does not change the rate, fees or terms the lender offers you.
• Our panel is not the whole market. There may be funders, and funding products, that suit you better and are not on the site.

If you ever believe a recommendation on this site was shaped by what we get paid rather than by what fits, tell us at support@meetfrank.ai and we will explain in writing exactly why that option appeared.

By using Frank, you agree to:

• Give accurate, honest and complete answers. Lenders rely on what you tell us to decide whether and how to engage with you, and a materially wrong answer wastes their time and yours. It may also amount to fraud.
• Use the site for your own business, or one you are authorised to represent.
• Keep to the law, and not use the site to launder money, to obtain credit under a false identity, or for any other unlawful purpose.

You agree not to:

• Scrape, crawl, harvest, mirror or resell the site’s content, its lender data or its eligibility logic, or use automated means to access it beyond ordinary search-engine indexing.
• Submit another person’s details without their permission, or submit fake, duplicate or test applications.
• Interfere with the site’s operation or security, attempt to gain unauthorised access to it, or probe it for vulnerabilities without our written permission.

We may rate-limit, suspend or block access where we reasonably believe the site is being abused, including bot traffic, fraudulent applications and spam.

You can browse the site and run the funding check without an account. To see the names of the lenders your answers match, you create a free account with your name, email and a password, or through Google. You are responsible for keeping those credentials safe and for everything done through your account. Tell us at support@meetfrank.ai straight away if you think someone else has access to it.

You can close your account at any time by emailing us. We may suspend or close an account that breaches clause 7. Closing an account does not end a credit agreement you have already concluded with a lender, and it does not by itself erase your data — see the privacy note for that.

The notes headed “Frank’s take” on lender pages are written by Frank’s team. They are general context about a lender and its products. They are not advice, they are not specific to your business, and you should check anything that matters to your decision with the lender before you act on it.

Lender names, product names, rates, minimums and turnaround times are drawn from public sources and lender-supplied data. We make a genuine effort to keep them current and we correct errors when we find them, but we do not warrant that they are accurate or complete at any given moment.

Guides, blog posts and funding explainers on the site are general educational material about the South African funding market. They are not advice and they are not a substitute for reading the agreement a lender puts in front of you.

The site links to lenders and to other third parties. We do not control those sites, we are not responsible for their content, products, security or privacy practices, and a link is not an endorsement. Once you leave Frank, that party’s terms and privacy policy apply to you, not ours.

The site’s copy, design, code, data compilation, the Frank character and the Frank brand belong to Meet Frank (Pty) Ltd or are used under licence. Lender names and logos belong to those lenders and are used to identify their products.

You may link to the site and quote short extracts with attribution. You may not copy substantial parts of it, reproduce its lender directory or comparison data, or present any of it as your own, without our written permission.

We do not promise that the site will be available uninterrupted or error-free. We may change, suspend or discontinue any part of it, including the composition of the lender panel, at any time and without notice. We will try not to do this in a way that strands an introduction already in progress.

The site is provided “as is” and “as available”. To the extent the law permits, we exclude all warranties that are not expressly given in these terms.

Nothing in these terms takes away a right the law gives you. Two points worth knowing, because they are commonly misunderstood by businesses looking for funding:

• The National Credit Act may not protect your loan. The NCA generally does not apply where the borrower is a company, close corporation or trust whose asset value or annual turnover is R1 million or more at the time the agreement is made. It also does not apply to a large agreement — broadly, a principal debt of R250,000 or more — with a juristic person. Much of the funding compared on this site therefore falls outside the NCA, which means NCA protections such as reckless-lending rules and the capped cost of credit may not apply to your agreement. Read what the lender puts in front of you on that basis.
• The Consumer Protection Act may still protect you. Depending on your business’s size, the CPA may apply to your dealings with us and with a lender, including its rules on plain language, fair terms and the limitation clauses in clauses 13 and 14 above.

Start with us. Email support@meetfrank.ai with what happened and what you would like done about it. We will acknowledge within 2 business days and aim to give you a written outcome within 15 business days.

If that does not settle it, you can escalate:

• About a lender, or a credit agreement: the National Financial Ombud Scheme South Africa (NFO) on 0860 800 900 or info@nfosa.co.za, which since 1 March 2024 has taken over the work of the Credit Ombud and the Ombudsman for Banking Services. Complaints about a registered credit provider’s conduct can also go to the National Credit Regulator on 0860 627 627 or complaints@ncr.org.za.
• About how we handled your personal information: the Information Regulator (South Africa), at POPIAComplaints@inforegulator.org.za. Our privacy note explains this route in full.

We would much rather sort it out by email than in front of anyone, but none of the above stops you going to court.

You agree that we may communicate with you electronically, and that emails and on-site notices satisfy any legal requirement that a communication be in writing. We will send you service messages — confirming a submission, passing on a lender’s reply — because you asked us to introduce you.

We will only send you marketing by email or SMS if you have opted in, and every marketing message carries an unsubscribe link. You can opt out at any time, at no cost, by using that link or by emailing support@meetfrank.ai. Opting out of marketing does not stop service messages about an introduction you asked for.

Our privacy note forms part of these terms and explains what we collect, why, who we share it with, how long we keep it, and the rights the Protection of Personal Information Act gives you. Where the two documents differ on a data question, the privacy note governs.

We may update these terms. The “last updated” date at the top will change, and for material changes we will flag it on the site. Continuing to use the site after a change means you accept the updated terms. The version in force when you asked for an introduction governs that introduction.

• Whole agreement. These terms and the privacy note are the whole agreement between us about your use of the site, and replace anything said before.
• Severability. If a court finds any part of these terms unenforceable, that part is severed and the rest continues to apply.
• No waiver. If we do not enforce a right immediately, we do not lose it.
• Cession. You may not cede or transfer your rights under these terms. We may cede ours to a company that acquires our business, on notice to you.
• Events outside our control. We are not liable for failures caused by events beyond our reasonable control, including network, hosting or third-party service failures.
• Notices. Send legal notices to us at support@meetfrank.ai, or to 42 Plein Street, Stellenbosch, Western Cape, 7600, which we choose as our address for the service of legal documents (domicilium citandi et executandi). We will send notices to the email address you gave us.

These terms are governed by the law of the Republic of South Africa. You and we consent to the jurisdiction of the South African courts, and, where the claim falls within its monetary limits, to the jurisdiction of the Magistrates’ Court.