Question 1

How does Yamma get my transaction data?

Accepted Answer

Three ways, and you can mix them. Upload a CSV export from your bank or card and you're up and running in a couple of minutes. Connect a Google Sheet and it syncs automatically from then on. Or connect your bank directly through Open Banking, read-only. Whichever you pick, nothing is ever written back.

Question 2

Is my financial data safe?

Accepted Answer

Yes. Everything is encrypted, and row-level security keeps every account's data scoped to that account alone at the database itself, not just in the app. A bank connection goes through a licensed Open Banking provider. You authorise it on your own bank's site, so Yamma never sees your banking password, and access is read-only: it can't move money or set up a payment. A Google Sheets connection only ever reaches the one file you pick, never the rest of your Drive.

Question 3

Is my data used to train AI, or sold to anyone?

Accepted Answer

Neither. Yamma's AI features are off until you switch them on in Settings, and when they are on, what's sent is your own figures, your category names, the merchant text from your statements and anything you write in the optional note about your finances. Never your name, email, account number, sort code or bank login. It's never used to train a model, and your data is never sold, brokered, or shown ads against.

Question 4

Does Yamma show ads?

Accepted Answer

No. Never. Yamma is funded entirely by subscriptions, not by advertisers. Your financial information is used to power your experience, not to show you targeted ads.

Question 5

How much does Yamma cost?

Accepted Answer

Three plans, from everyday budgeting up to a full household toolkit with bank connections and AI. See /pricing for the current prices and what each includes. Premium comes with a 14-day free trial; Basic and Pro are charged from the moment you check out.

Question 6

What if I decide it's not for me right after signing up?

Accepted Answer

You have a 14-day right to cancel under UK consumer law from the moment you subscribe. Cancel inside that window and any amount already charged for time you haven't used is refunded automatically. You don't need to ask. After that, cancelling keeps your plan active until the end of the period you've already paid for.

Question 7

How do I cancel or manage my subscription?

Accepted Answer

Go to Settings → Billing → Manage subscription. That opens Stripe's secure billing portal, where you can update your payment method or cancel. Cancelling stops future billing but keeps your plan active until the end of your current billing period.

Question 8

What if I'm not good with money?

Accepted Answer

That's exactly who Yamma is for. You don't need to become a finance expert. Yamma does the interpreting and tells you what to do about it. We'll do the money maths. You make the decisions.

Question 9

Can Yamma tell me if I can afford something?

Accepted Answer

Yes. 'Can I afford this?' is one of Yamma's signature features. Tell Yamma how much you're thinking of spending, and it'll show you what it means for the rest of your period. With a clear recommendation.

Frequently asked questions