Data & Consent

Texting with Koala

How you start

You start Guala by texting Koala. Koala introduces itself, asks your name and shares its contact card, so it shows up in your phone as Koala. Koala reads only the bank you choose to connect, and nothing before you connect one. A reply like "wrong number" or "stop texting me" before you've told Koala your name opts you out, and if you don't reply, Koala sends at most one reminder.

How setup goes

1. Your name.
2. Your goals, in your own words. If an amount or a date is missing, Koala asks once: how much, and by when?
3. Whether you'd like Koala to build you a personal plan. If you do, Koala texts you a link to it: what your goals take, a tip, an example of how Koala works and a note from future you. Then you connect your bank, read-only.
4. Two quick questions while your history loads: how you make money, and how Koala should talk to you.
5. Your first read: what your last 90 days looked like, with a starting score.
6. A payment link, if you choose to join.

Your plan link is just for you. It shows your first name and your goals, and it never signs you in to the web app. Open it within 24 hours; once you have, it keeps working. Text Koala "link" any time for a new one.

What Koala sends

• Replies to the texts you send.
• The setup texts above.
• Reminders while you set up: at most one if you don't answer the first text, the goals question or whether you'd like your plan, a new plan link after 1 and 3 days if your bank isn't connected, and if you haven't paid, a reminder after 1 and 3 days and one more on the 1st of the month. Reminders never go out after 9 PM.
• Sign-in links when you open the Guala web app.

After setup, Koala doesn't text you on its own. It answers when you text it, and your statements are in the web app.

Message frequency varies. Message and data rates may apply. Carriers aren't liable for delayed or undelivered messages.

How to stop

Text STOP to Koala at any time. UNSUBSCRIBE, CANCEL, END, QUIT and OPT OUT work too. Send the word as a message on its own, in any capitals. You'll get one text confirming you're unsubscribed, and nothing after that, including replies to your questions.

Texting one of those words stops the texts. It doesn't cancel a paid subscription. To cancel your subscription, see Subscription and payment in our Terms. To start again, text START and Koala picks up where you left off.

For help, text Koala your question or email us. We never share your mobile number with anyone for their marketing.

Connecting your accounts

Banks, through Stripe

You connect a bank by signing in to it inside Stripe's secure window. We never see your bank username or password. You choose which accounts to share, and Guala gets read-only access to their names, types, last four digits, balances and transactions. Stripe's handling of your data is covered by the Stripe Privacy Policy.

Shopify and Stripe

If you sell through Shopify or get paid through Stripe, you can approve read-only access to your orders, charges, refunds, fees, payouts and disputes. You approve it on Shopify's or Stripe's own screen.

What we do with it

We use your account data to build your ledger: matching each sale to its fee, payout and deposit, sorting your spending into categories, tracking your budget and goals, and producing your monthly statement. Koala answers your questions from that ledger. With the goals you tell Koala, it also sizes your plan and your starting score.

Disconnecting

You can disconnect any account at any time from Sources in the Guala web app, or by emailing us. When you disconnect, we stop pulling new data from it. What we already pulled stays in your ledger until you ask us to delete it, so your past statements still add up.

How Koala uses your data

Koala's replies are written by an AI model, Claude, made by Anthropic. To answer you, we send it your recent messages and the figures from your ledger that it needs. When you text Koala your goals, Claude also reads that text to turn it into a list of goals. Anthropic processes this for us under its commercial terms and doesn't use it to train its models.

Koala only quotes numbers from your ledger, and labels estimates as estimates. AI can still misread a question, so your statement and the web app are the record. Koala reads your money. It can't move it.

Your data, your call

• See it. Your ledger, statements and connected accounts are in the web app, and statements download as PDF and CSV.
• Fix it. Correct a spending category with a text or in the web app.
• Delete it. Email support@gualaapp.com and ask us to delete your account. We'll confirm with a text to the number on your account and delete your data within 30 days. We keep only what the law requires or what we need to honor your choices: payment records, and the record of your opt-out.

The full details are in our Privacy Policy.

Questions

Email support@gualaapp.com or write to DID YOU CATCH IT INC (d/b/a Guala), 457 Arnold St NE, Atlanta, GA 30308.