# Ombudly

> Ombudly is your personal ombudsman: an AI financial advocate. It works through your accounts, bills and receipts in the background, finds fees, missing refunds, price hikes and forgotten subscriptions, and handles the requests to get your money back. You approve what matters.

Ombudly is a web app (and API/MCP server) for US households. It reads bank transactions (Plaid or uploaded statements), billing emails, receipts and documents; finds fees, missing refunds, duplicate charges, charges after cancellation, price increases, unused subscriptions and settlements; contacts companies through their support pages in an isolated cloud browser; and verifies that money arrived. Users choose a permission mode (Paranoid, Default, Delegated); payments and attestations always need the user, and the agent signs in only with a login the user saved in the vault.

## Pages

- [How it works](https://ombudly.com/how-it-works): what it finds, how it asks, how it verifies, and the benchmark it is tested on
- [Safety and control](https://ombudly.com/security): permission modes, the browser approval gate, the vault
- [Pricing](https://ombudly.com/pricing): Watchdog $0/month + 20% of recovered money, no cap, 200 credits of AI work a month; Advocate $29/month + 10% of recovered money, no cap, 800 credits of AI work a month; Intensive $99/month + 10% of recovered money, no cap, 3,000 credits of AI work a month
- [Connect your agent](https://ombudly.com/agents): MCP setup for Claude Code, Codex and other clients
- [Affiliate partners](https://ombudly.com/partners): approved partners earn 25% of eligible subscription revenue for 12 calendar months from each customer's first subscription payment, subject to holds and reversals
- [Referral credits](https://ombudly.com/referrals): each person can earn 100 hosted-work credits after a qualifying new customer's first $10+ net subscription payment and a 30-day hold; not signup credit or cash
- [Brand guidelines](https://ombudly.com/legal/brand-guidelines): approved assets, accurate claims, prominent compensation disclosures and channel restrictions
- [Questions](https://ombudly.com/faq)

## Guides

- [How to get overdraft fees refunded](https://ombudly.com/guides/get-overdraft-fees-refunded): Banks reverse overdraft and NSF fees more often than people think. What to check, exactly what to say, and what to do if they say no.
- [How to dispute a duplicate charge](https://ombudly.com/guides/dispute-a-duplicate-charge): Charged twice for one order? How to prove it's a duplicate, ask the merchant first, and use your card's dispute rights if you need to.
- [What to do when a refund never arrives](https://ombudly.com/guides/refund-never-arrived): "Your refund will post in 5–7 business days." It didn't. How to trace a missing refund and get it reissued.
- [Charged after you cancelled? How to get it back](https://ombudly.com/guides/charged-after-cancelling): You have the cancellation confirmation and they billed you anyway. How to get every charge after the cancellation refunded.
- [How to push back on a subscription price increase](https://ombudly.com/guides/push-back-on-a-price-increase): Your streaming, internet or software bill went up. A short, polite message often gets you loyalty pricing or credits.
- [How to check if you're owed money from a class-action settlement](https://ombudly.com/guides/find-class-action-settlements): Settlement notices are easy to ignore. How to check eligibility honestly, meet the deadline, and avoid settlement scams.

## Connect an agent (MCP)

- Endpoint: https://ombudly.com/mcp (Streamable HTTP, JSON-RPC: initialize, tools/list, tools/call)
- Auth: `Authorization: Bearer <agent token>`. Users create tokens in the app (Settings → Connect an agent), read-only or read-and-act.
- Claude Code: `claude mcp add --transport http ombudly https://ombudly.com/mcp --header "Authorization: Bearer $OMBUDLY_TOKEN"`
- Codex: in ~/.codex/config.toml, `[mcp_servers.ombudly]` with `url = "https://ombudly.com/mcp"` and `bearer_token_env_var = "OMBUDLY_TOKEN"`
- Rules for agents: consequential steps (submit, commit, attest, money, access) need an approved `propose_action` for that class and site; the browser refuses them otherwise. Agent tokens can propose but never approve, and can't change permission settings. Money, taxes and benefits: `get_finances`, `screen_benefits`, `tax_organizer`, `find_help`. Use `ask_user` for facts only the user knows (household size, income, whether a charge was theirs); only the signed-in user answers. Vault secrets are filled by reference and never returned. Call `review_status` before finishing a household review.

## Optional

- [Full text for language models](https://ombudly.com/llms-full.txt)