BankTalker Terms of Service

Effective October 21, 2026. BankTalker is in private founder testing. Qualified counsel must review these terms before commercial launch.

Service scope

BankTalker provides a read-only AI financial agent through SMS, supported by subscription membership, account verification, consent, financial connectivity, and deterministic planning. Users can ask natural-language questions about authorized accounts and receive enabled alerts. BankTalker cannot perform payments, transfers, trades, card controls, bill pay, or any other money movement.

SMS terms

Buddy is BankTalker's automated financial assistant and identifies itself as BankTalker Buddy. After signing in, users may voluntarily select an unchecked optional SMS box and verify their phone number to receive recurring transactional replies, setup messages, and optional service alerts they enable, including an optional daily morning summary. Message frequency varies with user requests and enabled alerts. Message and data rates may apply. Consent to SMS is not a condition of purchase. Carriers are not liable for delayed or undelivered messages.

Reply HELP for help or email [email protected]. Reply STOP to opt out at any time.

No financial advice

BankTalker output is informational and based on available provider data and user settings. AI explanations may be imperfect. Output is not legal, tax, investment, or individualized professional financial advice.

Account security

Users are responsible for control of verified email and phone access. Never text or say credentials, verification codes, or full financial identifiers.

Acceptable use

Do not probe other users' information, forge provider requests, manipulate billing identifiers, evade access or cost controls, overload the service, or use BankTalker unlawfully.