1. Who we are
Frank (“Frank”, “we”, “us”) provides an online platform that helps consumers compare vehicles, see real payment and pre-approval numbers, value a trade-in, and connect with dealers and lenders on their own terms. For privacy questions, contact our privacy officer at nick@conquestcars.ca.
2. Information we collect
We collect the following categories of information:
- Account & contact information — your name, mobile phone number (verified by one-time code), and optionally your email and preferred language.
- Identity verification — when you choose to verify your identity, our verification provider (Stripe Identity) collects and checks government ID and a selfie. We receive a pass/fail result and limited verified attributes, not your raw ID images.
- Financial information — if you link a bank account (via Plaid) or add a payment method (via Stripe), we receive tokens and limited account details to enable pre-approval and payments. We do not store full bank credentials or full card numbers.
- Vehicle & deal information — vehicles you save, trade-in details you provide, photos you upload, and the quotes and comparisons you build.
- Profile & preferences — your onboarding answers (goals, timeline) and the settings that personalize your experience.
- Usage & device information — log data, device and browser information, and product analytics about how you use Frank, including any browser extension you install.
3. How we use your information
- Provide, operate, and improve the Frank platform.
- Verify your identity and, with your consent, prepare and route credit pre-approval requests to lenders.
- Process payments, deposits, and applicable fees.
- Show you accurate pricing, incentives, and trade-in estimates.
- Communicate with you about your account, deals, and offers (including by SMS to your verified number).
- Detect, prevent, and respond to fraud, abuse, and security issues.
- Comply with legal and regulatory obligations.
4. How we share your information
We do not sell your personal information. We share it only as needed to run the service:
- Dealers and lenders — only with your consent and on your terms. You stay anonymous to dealers until you choose to reply; pre-approval requests go to lenders only when you ask us to submit them.
- Service providers who process data on our behalf under contract, including: Stripe and Stripe Identity (payments and identity verification), Plaid (bank linking), Inovatec/Propel and participating lenders (credit routing), Twilio (SMS verification), PostHog (product analytics), Sentry (error monitoring), Cloudflare (security and storage), and our cloud hosting and database providers.
- Legal and safety — when required by law, or to protect the rights, safety, and property of Frank, our users, or others.
- Business transfers — in connection with a merger, acquisition, or sale of assets, subject to this policy.
5. Your choices and rights
Subject to applicable law (including Canada’s PIPEDA), you may request to access, correct, or delete your personal information, and withdraw consent where processing relies on it. You can opt out of marketing messages at any time. To make a request, contact nick@conquestcars.ca. We will respond within the timeframes required by law.
6. Data retention
We keep personal information only as long as needed for the purposes described here, to comply with legal and lender record-keeping obligations, and to resolve disputes. When no longer needed, we delete or de-identify it.
7. Security
We use technical and organizational safeguards — including encryption in transit, scoped access controls, and audit logging — to protect your information. No method of transmission or storage is perfectly secure, but we work to protect your data and to notify you and regulators of incidents as required.
8. International transfers
Some of our service providers process data outside your province or country. Where that happens, the information may be subject to the laws of those jurisdictions, and we take steps to ensure a comparable level of protection.
9. Children
Frank is not intended for anyone under the age of majority in their province or territory. We do not knowingly collect information from minors.
10. Changes to this policy
We may update this policy from time to time. Material changes will be posted here with an updated date, and where appropriate we will notify you.
11. Contact us
Questions or requests? Email our privacy officer at nick@conquestcars.ca.