Terms

What this is

Canly is a read-only personal-finance coach. Sign in, connect a bank (read-only), get a habit verdict, and get held to the rule you set. Insights, Ask, and the morning brief are informational. We do not provide investment, tax, or legal advice. You stay in control of every purchase and every merchant cancellation.

Bank connection

Using Canly requires an account and a connected bank. Plaid grants Canly read-only Transactions access (recent transactions only). That is all we pull. We never see your bank username or password. Those stay inside Plaid. We do not keep bank login credentials. We never move money, never make charges, never initiate a transfer, and never cancel a merchant. You may disconnect anytime.

Your responsibilities

You are responsible for the numbers you type (take-home, caps) and for decisions you log (skip, stretch, already ordered). Insights come from your connected bank, not sample data.

SMS (opt-in)

SMS is optional. Agreeing to these terms does not turn texts on. You opt in with a separate, explicit consent on Account: enter a mobile number and confirm a 6-digit code. We only text accountability reminders for rules you accepted, not marketing.

We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help. Turn SMS off anytime on Account.

Availability

The service may be unavailable, keys may be missing (Plaid, Anthropic, Stripe, Resend, Twilio, Postgres), and coach answers may fail rather than invent copy. We are not liable for decisions you make from insights or from a missing brief. Opt-in SMS is a reminder only. Delivery uses Twilio. A paused campaign or carrier filtering can delay or drop a text.

Contact

Questions: jebenawings@gmail.com.