Keep more money
with Hutsy.

Hutsy helps you set goals, stay accountable, and make better money decisions. All over text.

Hutsynow

Let’s get you to $1,000 in savings! 🎯 You’re starting at $350, so we’ll aim for $50 a week over the next 13 weeks.

Hutsynow

Hey! You mentioned eating out was making saving harder. How’s that going this week?

Hutsynow

Unexpected expense this week? We can adjust your savings target without giving up on your goal. Want to rework the plan?

Hutsynow

Week 1 complete! 🎉 Your savings are up to $420. That’s $20 ahead of schedule on your $1,000 goal. Keep it going!

Make progress with your money, one text at a time.

From building savings to staying accountable with your spending, Hutsy helps you set financial goals, create a personalized plan, and stay on track with proactive check-ins and guidance.

Hutsynow

Let’s get you to $1,000 in savings! 🎯 You’re starting at $350, so we’ll aim for $50 a week over the next 13 weeks.

Hutsynow

Hey! You mentioned eating out was making saving harder. How’s that going this week?

Hutsynow

Unexpected expense this week? We can adjust your savings target without giving up on your goal. Want to rework the plan?

Hutsynow

Week 1 complete! 🎉 Your savings are up to $420. That’s $20 ahead of schedule on your $1,000 goal. Keep it going!

Your money texts back.

Stay on top of spending, make smarter money decisions, and get a text when something matters.

Message Hutsy…

Your money texts back.

Stop checking everything yourself.

Hutsy watches your money in the background and brings the important updates, savings opportunities, and next steps straight to you.

Without Hutsy

Chase ChequingChequing account $892.41
RobinhoodInvestments $4,231.50
Capital OneCredit card -$1,204.17
Credit card due Thursday$1,204.17 · Capital One
Spending this month $2,84012% from last month
Savings goal $350of $1,000
No change in 3 weeks

Too many apps. Too much guessing.

With Hutsy

Hutsy

Morning Maya! 💙 Based on your recent spending, you’ve got about $85 left in your flexible-spending budget this week.

Hutsy

I noticed your grocery spending is higher than usual this week. Want to look at where we can make an adjustment?

Hutsy

You mentioned a $120 bill coming up Friday. Let’s make sure we’ve accounted for it in your plan.

Can I still afford to go out this weekend?

Based on your remaining budget, you’ve got about $85 for extras. If you spend $40 this weekend, you’ll have $45 left for the rest of the week. Want to plan around that?

One conversation. Clear next steps.

Questions, answered.

Everything you need to know about how Hutsy works, what it costs, and how it can help you.

Hutsy is your personal financial companion that helps you set goals, stay accountable, and make better money decisions, entirely through text. No complicated apps or spreadsheets. Just personalized guidance that grows with you.

Tell Hutsy what you want to accomplish, whether that’s saving money, spending less, or building an emergency fund. Hutsy helps you create a realistic plan, breaks it into weekly milestones, and adjusts your plan as life changes.

Yes! Hutsy proactively texts you throughout the week to check on your progress, follow up on previous conversations, and help you stay accountable. The more you share, the more personalized your guidance becomes. You can also adjust how often Hutsy messages you.

Yes. Hutsy uses Plaid to securely connect your financial accounts. Your connection is encrypted and read-only, meaning Hutsy can access authorized financial information to provide guidance but cannot move your money.

You can also use Hutsy Free without connecting your bank.

Nope! Hutsy works entirely through text messaging. There’s no app to download or dashboard to manage. Just message Hutsy, share what you’re working toward, and get personalized financial support right in your messages.

Still have a question? Ask Hutsy.

Message Hutsy

Hutsy is your AI financial coach, not a bank, financial institution, or licensed financial advisor. Information and insights provided through Hutsy are for informational purposes only and should not be considered financial, legal, or investment advice. Financial data is securely accessed through third-party integrations and may be subject to delays or inaccuracies. Always verify important financial decisions independently.

*By texting Hutsy, you agree to receive recurring automated messages, including proactive financial alerts, at this number. Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help. You must be 18+. Loan offers are presented through our lending marketplace partner MoneyLion and its network of 50+ lenders; Hutsy does not originate loans, and rates, terms, and approval are determined solely by the lender. Being matched with an offer is not a guarantee of approval. See our Messaging Terms & Privacy Policy.

© 2026 Hutsy. All rights reserved. Back to top ↑

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Privacy Policy

Last Updated: October 23, 2025

Hutsy Financial Corp. (“Hutsy,” “we,” “our,” “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website and services.

1. Information We Collect
  • Account information – name, email, phone number, and payment details collected through Stripe.
  • Credit & financial data – obtained through trusted third-party partners (e.g., Plaid and credit bureaus) only after you provide consent.
  • Usage data – login activity, browser type, device information, and interactions with our AI Co-Pilot.
  • Communication preferences – whether you choose text or WhatsApp for updates.
2. How We Use Your Information
  • Provide and personalize your Hutsy experience.
  • Display monthly credit updates and insights.
  • Send notifications, reports, and offers from our lender network.
  • Detect and prevent fraud or unauthorized access.
  • Comply with legal and regulatory requirements in Canada.
3. Sharing Information

We share limited data only with:

  • Service providers (Stripe, Plaid, credit bureaus) who process information on our behalf.
  • Lending partners when you request pre-qualified offers.
  • Regulatory authorities when legally required.

We do not sell or train AI models on identifiable user data.

4. Storage & Security

Data is encrypted in transit and at rest. We host data in Canada or the United States using certified providers. Access is restricted to authorized employees and partners only.

5. Your Rights

Under the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial laws, you may:

  • Request access or corrections to your personal data.
  • Withdraw consent at any time (may limit service functionality).
  • File a complaint with the Office of the Privacy Commissioner of Canada.
6. Retention

We retain data only as long as necessary to deliver services or meet legal obligations, after which it is securely deleted.

7. Contact Us

Questions or requests? Email contact@hutsy.com.

Terms of Service

Last Updated: October 23, 2025

Welcome to Hutsy. By using our website, dashboard, or AI Co-Pilot (collectively, the “Services”), you agree to these Terms.

1. Eligibility

You must be at least 18 years old and a resident of Canada to use Hutsy.

2. Subscription & Billing

Hutsy charges a $10 CAD monthly subscription through Stripe.

Payments renew automatically until cancelled in your dashboard (Settings → Subscription).

Refunds are not issued for processed payments.

3. Service Description

Hutsy provides AI-driven credit guidance and access to loan offers from independent lenders. Hutsy is not a bank or direct lender and does not guarantee loan approval.

4. User Responsibilities

You agree to:

  • Provide accurate information.
  • Use the Services only for personal, lawful purposes.
  • Keep login credentials secure.
5. Data Use

All data collection and processing are governed by our Privacy Policy. You authorize Hutsy and its partners to obtain your credit information when you connect accounts.

6. Disclaimers

Services are provided “as is.” Hutsy makes no warranties regarding credit improvement, loan approval, or financial outcomes.

7. Limitation of Liability

Hutsy is not liable for indirect or consequential damages arising from your use of the Services. Maximum liability shall not exceed the amount you paid in the past 6 months.

8. Termination

You may cancel anytime. We may suspend or terminate your access for misuse or non-payment.

9. Governing Law

These Terms are governed by the laws of Ontario and applicable Canadian federal law.

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