The fine print, in plain words.

No. It can't pay, transfer or enter card details without your approval for that exact step, in every mode. Its job is to get money sent back to you, and nothing counts until a refund or credit shows up in your own transactions.

Read-only bank data through Plaid (or uploaded statements), plus the emails, receipts and documents you forward or upload. To contact companies it uses its own isolated cloud browser, not your computer.

In the Default mode: research, draft, and send routine requests like fee reversals, refund follow-ups and duplicate-charge disputes to companies you already do business with, after an approver checks the request against your evidence. Cancelling or changing a service, accepting an offer, signing anything, sharing account numbers, paying or signing in always waits for you.

No. Logins you save go into an encrypted vault. When a site needs one, Ombudly fills it by reference, on that site only, and the AI never receives the password itself. You can also sign in yourself through the live browser view.

The free plan takes a share of money that actually comes back to you: 20%. Paid plans include more credits of AI work each month and lower the share to 10%. No recovery, no fee; no fee on tax refunds, government benefits, settlements or unclaimed property.

Then you owe nothing for it. Ombudly records the answer, tells you, and suggests the next step if there is one, such as a card dispute window that is still open.

Yes. Claude Code, Codex and any MCP client can connect with an agent token you create. Your agent gets the same tools and the same safety rules: it can propose actions, but only you can approve them.

No. Ombudly is not a bank, a law firm or a financial adviser. It handles routine consumer requests with the evidence you already have and asks you before anything that commits you.

Thousands of US banks and card issuers through Plaid. You can also upload CSV statements or PDFs from any bank.