Your money, handled by text.

No. Jaga never sells your data or uses it to train AI. Plaid connects your bank, read-only, and has its own privacy policy for what it does with that data. A messaging provider delivers your texts, over iMessage or through the phone carriers. A payments processor handles only your Plus payments. A cloud host stores your data, encrypted in transit and at rest. One AI provider processes your texts under a contract that forbids training on your data, and Jaga never trains AI on it. Our privacy policy names every provider and links to each one’s own policy. Ours is published before launch. Text DELETE anytime to erase everything.

Jaga connects through Plaid, which works with most US banks and credit unions. You sign in on your bank’s own screen; Jaga gets read-only access to balances and transactions and never sees your login. A cloud host stores your data, encrypted in transit and at rest.

No. Jaga never moves, holds or receives your money. Reading your accounts is read-only through Plaid. When a move makes sense, like $8,000 from savings to a high-yield account, Jaga texts you the amount, both accounts and a link to your own bank, and you make the move there. It can also remind you on a schedule you set. Jaga never logs in as you, never calls a company as you, and never messages anyone but you. Text PAUSE to freeze every reminder.

It doesn’t pay people for you, on purpose. To get paid back, it drafts a payment-request link (Venmo, Cash App or similar) that you send yourself. Jaga never messages anyone but you, and it never moves money.

No. Jaga is a financial technology company, not a bank, broker-dealer or registered investment adviser. It gives you facts about your own money and does the tasks you approve. Your money stays in your own accounts.

It never recommends specific stocks, funds, ETFs or crypto. It can explain general ideas like a Roth IRA in plain English, and show how much you could set aside each month without touching your bills.

As often as you choose. By default it sends at most one proactive text a day, plus a Sunday summary, and nothing during quiet hours (10 PM–8 AM). Every proactive text names the dollars at stake, and you’ll never get an upsell in the thread.

It works in iMessage, so for now you need an iPhone, iPad or Mac. Plain texting for other phones comes later. On a computer, click Text Jaga and scan the QR code with your phone. Messages opens with your first text ready.

Free costs nothing. Plus is free for 14 days, no card. On day 14 you’re back on Free unless you’ve added a card. With one, Plus is $60 a year (that’s $5 a month) or $8 month to month, and we text you 3 days before every charge. Cancel anytime by texting END PLAN. Plus runs to the end of what you’ve paid for, then you’re back on Free. STOP ends every text, pauses every reminder and stops Plus from renewing. Text START to pick up where you left off.

If Plus hasn’t found more than you paid ($60 on yearly, $8 on monthly) within 30 days of your first charge, text REFUND for all of it. “Found” means the yearly value of subscriptions you cancelled through Jaga, fees it helped you avoid, and the yearly extra interest from moves you made at its suggestion, counted from your first charge through day 30. So cancelling a $17.99 monthly subscription counts as $215.88.

Jaga will never ask for your password, PIN or a security code. Its links go only to jaga.example or straight to the company named in the text, like Hulu’s own cancel page, a Venmo request link, or your own bank after you say yes to a move. When you choose to connect a bank, a jaga.example link opens Plaid, where you sign in on your bank’s own screen; a bank link for a move comes only after your yes, and your bank’s app works just as well. If a text you didn’t ask for sends you to sign in anywhere, it isn’t us. Jaga only ever texts you from jagacore@icloud.com.

Jaga is built only for money. It works from your real linked accounts and shows the transactions behind every number, it texts you first when something needs your attention, and it never sees your other conversations. It also can’t act without your yes, and it never moves your money.

It can happen. Jaga is an AI and can make mistakes. When it isn’t sure, it says so, and every number comes with receipts you can tap to see the transactions behind it. Since it acts only on your yes and never moves money itself, you can check before you approve, and PAUSE freezes every reminder.