Legal

SMS Consent and Messaging Terms

Last updated: February 28, 2026

Budget Bob sends SMS only to users who opt in. Messages are transactional and advisory (not purchased marketing lists). You can opt out at any time by replying STOP.

What You Can Expect

  • Daily budget digest messages with spend totals and one suggested action.
  • Two-way replies when you text Budget Bob questions about your budget.
  • Occasional operational notices related to your Budget Bob messaging setup.

Message Frequency

Typical frequency is one daily digest plus user-initiated conversational replies. Message volume can vary based on how often you text Budget Bob.

How Consent Is Collected

Consent is collected directly from users in Budget Bob settings before SMS messages are sent. Phone numbers are household-whitelisted, and opt-out requests are honored immediately.

Opt-Out and Help

  • Reply STOP to opt out of SMS.
  • Reply HELP for help with messaging support.
  • Standard message and data rates may apply.

Example Messages

Budget Bob: Yesterday you spent $42.15. Week-to-date spend is $318.40. Suggested action: keep Dining under $35 today. Reply STOP to opt out, HELP for help.

Budget Bob: You have $512.00 remaining for this month. Main overage risk is Dining (+$74 vs plan). Reply STOP to opt out, HELP for help.

Budget Bob: If you move $40 from Entertainment to Groceries, your weekly plan stays on track. Reply STOP to opt out, HELP for help.