Privacy and terms

Not yet reviewed by a lawyer. Everything below is an accurate description of what this software does, written from the code. It is not a substitute for a policy a solicitor has checked, and it should be reviewed before this site takes money from the public.

What we collect

Your email address: Held so an account can exist and so we can send a password reset. Stored lower-cased. Never sold, never shared, and not used for marketing — there is no mailing list.
Your password: Stored only as an Argon2id hash. We cannot read it, and neither can anyone who obtains the database. If you sign in with Google, no password is stored at all.
A session cookie: One cookie, frx_session, holding a random token — HttpOnly, so page scripts cannot read it. It is how the site knows you are signed in. There are no analytics, advertising or third-party tracking cookies on this site.
Documents you upload: A disclosure document you upload is private to your account. It is not added to the public catalogue, not shown to other users, and deleting it removes the file.
Which reports you have opened: Necessarily — an unlock is permanent, so we have to remember it. This list is only ever returned to the account that owns it.

What we do not collect

No card details ever reach this server. Payment is handled by Stripe on a page Stripe hosts; we receive a session identifier and an event identifier, and your email address so Stripe can send the receipt.

No analytics service, no advertising network, no session recording, no fingerprinting. Nothing on this site reports your behaviour to a third party.

Deleting your account

You can delete your account from your filings page at any time. That removes your uploaded documents. Purchase records are kept, because they are financial records we are obliged to retain.

What you are buying

A credit opens one brand’s full report, permanently. Credits do not expire. There is no subscription and nothing to cancel.

Refunds. If the analysis in your first report is not worth what you paid, we refund the purchase in full, within seven days of buying and provided you have opened no more than two brands, no reasoning required.

What this is not

This is not legal, financial or investment advice, and we are not your attorney or your adviser. Figures are read out of documents franchisors file with state regulators and out of the SBA’s published loan performance data. They are reproduced as filed and are not audited by us — a franchisor that files an optimistic figure produces an optimistic figure here.

We are not a franchise broker. No franchisor pays us, and none can pay to appear, to rank higher, or to have a figure removed. How the reading works.

How accurate this is, and what to do about an error

A machine does the reading. Each filing is parsed by a language model instructed to copy figures and never to compute them, and every figure on this site links to the page of the document it was taken from. That link is the check we can offer: not our word for it, but the source.

The reading carries no measured error rate. A set of fixtures exists for scoring the extractor against filings checked line by line by a person, and until that measurement is published this site states no accuracy figure — what has been checked says so plainly. Treat every figure here as a pointer into the filing, not a substitute for reading it.

Read the current disclosure document before you sign anything. A filing describes the year it was filed, franchisors change their fees, and the document a franchisor hands you supersedes everything on this site.

Reporting an error. If a figure here misstates what a filing says — whether you are a prospective buyer or the franchisor it concerns — tell us. We will check it against the source document and correct or withdraw it, and we would rather hear about it than not. No address is configured for this build.

Limits of what we are liable for

Deciding to buy a franchise is your decision and your risk. This site is a reading of public records, offered as a starting point for your own diligence, and nothing on it is a recommendation to buy or to avoid any franchise.

To the fullest extent the law allows, we are not liable for indirect or consequential loss — including lost profits, lost savings, or loss arising from a franchise you did or did not buy — and our total liability to you for any claim connected with this site is limited to what you have paid us in the twelve months before the claim.

Nothing here excludes liability that cannot lawfully be excluded, and none of it displaces the rights the FTC Franchise Rule and state franchise laws give you against a franchisor.

Brand names

Franchise brand names and marks belong to their owners. They are used here to identify the filings and loan records they refer to, which is the only way to report on a public filing. No franchisor endorses, sponsors or is affiliated with this site.

Governing law is not yet stated. It depends on the entity that operates this site, which is not yet formed. This section must say which law applies and where disputes are heard before the site takes money from the public. Said here rather than left blank, because a missing clause you have not noticed is worse than one you have.

Contact

No contact address is configured for this build. One must be set before this page is published.