Mama Budget terms

Last updated October 7, 2026. Mama Budget is made and run by Praise Oyimi, an individual, not a company. Contact: praiseoyimi526@gmail.com.

These are the terms for using Mama Budget: the browser extension for Chrome and Safari, the API it talks to, the ChatGPT app, the shared house and the subscription. Using any of them means you agree to these terms. If you do not agree, do not use it. The privacy page says what is collected and where it goes.

What Mama Budget is, and is not

• Mama Budget is a character who sits in the corner of your shopping cart and holds you to the fun money you set for the week. She speaks, she asks, she remembers. That is all.
• She is not a bank, a lender, an adviser or a financial product. Nothing she says is financial, legal or tax advice. Her lines are written by a language model and can be wrong.
• She never blocks a purchase, never clicks a store's buttons and never moves money. Every purchase is your decision and your responsibility.
• The bank link is read only. Mama Budget cannot send, withdraw or change anything in your accounts.

Who can use it

You must be 18 or older, or have a parent or guardian's permission. You are responsible for the device the extension runs on: Mama Budget has no password, your device is the account. Anyone with your unlocked browser can see your week.

Your bank link

You connect a bank through SimpleFIN, a read-only service you set up yourself. Mama Budget never sees your bank username or password. By pasting a SimpleFIN token you confirm the accounts belong to you or you are allowed to link them. You can remove the link at any time from the popup; removing it deletes the stored token.

The house

A house is one weekly envelope shared by two to four people who join with a six-digit code. Only share the code with people you want to see the house's week. Members see each purchase as an amount, an item and a day, never who made it. Whoever opened the house sets the number and the change applies on a Monday. Anyone can leave in one tap. Do not join a house you were not invited to.

The subscription

• When billing is on, Mama Budget starts with a 7-day free trial that needs a card. If you cancel before the trial ends you are not charged.
• After the trial it is $4.99 a month or $39 a year, in US dollars, and it renews on its own until you cancel. Prices include no tax; tax is added where the law requires it.
• Payment is handled by Stripe. Mama Budget never sees or stores your card number.
• Cancel any time from the popup's billing link, which opens Stripe's portal. Cancelling stops the next renewal; you keep access until the end of the period you paid for.
• Refunds: if you are unhappy within 14 days of a charge, email praiseoyimi526@gmail.com from the account you used and the charge is refunded in full. After that, renewals are not refunded except where the law requires it.
• Prices can change. You get at least 30 days' notice by text or email before a change applies to you, and you can cancel before it does.
• Nothing about the subscription is sold or promoted inside ChatGPT. The ChatGPT app is a read-only view of your week.

Texts and voice

If you enrol a phone number, Mama Budget sends you her lines by text through Photon. Message and data rates from your carrier apply. Reply STOP to any text to end them, or turn texts off in the popup. Her voice comes from ElevenLabs or your browser's own speech; mute her any time.

Acceptable use

Do not try to break into other people's weeks, houses or bank links, overload the API, resell the service, or use it in a way that breaks the law. Mama Budget can refuse or end service to anyone who does. The source code is open on GitHub under the licence in the repository, and you may run your own copy of the API on your own computer.

Changes and ending

Mama Budget is a small, young product and it will change. Features can be added, altered or removed, and the service may be paused or shut down. If it shuts down while you have paid for time you have not used, that time is refunded. You can stop using it any time: remove the extension, "Start over" in the popup, and email for deletion of what the API holds.

No warranty, limited liability

Mama Budget is provided as it is, with no warranty of any kind. It can be wrong about what is a bill, what is a want, or how much you have left, and a store's page can change in ways she does not read. To the extent the law allows, Praise Oyimi is not liable for any loss arising from using or being unable to use Mama Budget, including purchases you made or did not make, and total liability is capped at what you paid for the service in the twelve months before the claim. Some places do not allow these limits, so some may not apply to you.

Law and disputes

These terms are governed by the laws of the United States and the state where the operator resides. If something goes wrong, email first; almost everything can be settled in a conversation.

Contact

praiseoyimi526@gmail.com. Source: github.com/yimi23/mama-budget. Privacy: mamabudget.com/privacy.