small leaks, on purpose
a forgotten $12 subscription, a fee that gets waived if you ask, a price that dropped the week after you bought. none of it is worth 20 minutes of your day, and businesses know that.
it gets your money back.
forgotten subscriptions, double charges, junk fees, price drops on things you already bought. folk finds them around the clock and writes the email. you say send.
folk is an ai in your texts that watches your bank and your orders around the clock and gets money back when a business was counting on you not to notice: forgotten subscriptions, double charges, junk fees, price drops on things you already bought. it writes the refund email, you say send.
so nobody checks
the money is real, it is just spread across a hundred tiny moments no human is going to sit down and chase. that spread is the business model.
folk checks, all day
an agent that never gets bored can look at every charge and every order. when checking is free, every leak is worth plugging. folk writes the email, you say send.
everything folk fights for
the money you were never going to chase.
each one is something a business earns from you not looking. folk looks. where it says 'you make the call', folk preps everything and you take the last step.
cancels subscriptions you forgot about
folk reads your recurring charges, notices the ones you stopped using, and drafts the cancel plus refund email. you tap send.
u haven't opened canva in 47 days and it went up to $25. cancel email is ready, send it?
disputes double charges
when the same merchant hits your card twice, folk flags it with both dates and amounts and writes the dispute for you.
uber charged u twice on the 14th, $18.40 each. dispute is drafted.
gets junk bank fees refunded
overdraft, maintenance, and late fees are usually waived on request. folk spots the fee and drafts the waiver request to your bank.
chase took a $34 overdraft fee. asked them to waive it, they usually do first time.
claims price drops on things you already bought
forward a receipt (or let folk read your gmail receipts) and it watches the price. if it falls inside the store's adjustment or return window, folk texts you the refund request ready to go.
the jacket u bought tuesday dropped $40. still inside the 14 day window, adjustment request is ready.
finds a coupon before your order ships
folk checks for working codes on orders that haven't left the warehouse yet and tells you when cancel and rebuy comes out ahead.
found a 15% code for the order that hasn't shipped. cancel n rebuy saves $12.
chases refunds that never fully landed
when a refund comes back short or not at all, folk writes the follow-up with the original amount and date, then watches your bank for the money to arrive.
that return was $89 and they refunded $71. follow-up email is drafted.
chases packages that stop moving
the package tracker folkway watches every shipment and texts when one goes quiet. folk drafts the 'where is my order' email so you don't have to dig up the order number.
ur package hasn't moved in 6 days. want me to email them for an update?
knows the return window on everything you buy
for every tracked purchase folk looks up the store's return and price-adjustment policy, so it only starts a fight you can actually win and never after the window closed.
zara gives 30 days. i'll watch the price till the 12th.
comparison shops so you don't have to
tell folk what you want and it checks prices across stores, watches the one you pick, and texts the moment it drops.
same airpods, $40 cheaper at costco rn. want the link?
watches flight prices after you book
you make the callfolk keeps an eye on the fare around the clock and texts when it falls. you do the rebooking, folk hands you the link and what you'd save.
ur jfk to lax dropped $60 since u booked. same flight, here's the link.
preps you to negotiate your card's apr
you make the callfolk writes the script for the call to your card company, with your history and the number to ask for. you make the call, folk logs the win.
u've paid on time 14 months straight. script for the apr call is ready, ask for 19.99.
not yet: switching your insurance, phone, or utility provider, picking which card to pay with for the most rewards, rebooking a flight for you when the price falls. we’d rather say so here than have folk pretend.
the difference
a budgeting app shows you. folk does it.
| the leak | a budgeting app | folk |
|---|---|---|
| forgotten subscription | lists it in a chart | drafts the cancel email, you send it |
| double charge | you might spot it | flags it and writes the dispute |
| overdraft fee | categorizes it as 'fees' | asks the bank to waive it |
| price drops after you buy | nothing | texts you the refund request inside the window |
| package stuck in transit | nothing | texts you and drafts the chase email |
| refund came back short | nothing | follows up with the original amount and date |
the weekly recap
your whole week, in one honest text.
what you actually spent, where it went, the subscriptions quietly creeping, and what folk got back for you. every sunday, from your real bank data.
sunday recap:
spent $612, down 9% from last week. eating out $148. two subscriptions you haven’t opened in a month, $31 total. $70.80 back this week from the uber dispute and the chase fee.
kill the two subs
both cancel emails are drafted. say send and they’re gone.
read-only means read-only
folk can look. it can’t touch.
your login stays at your bank
plaid handles sign-in. folk never sees or stores your password.
your money cannot move
the connection can read transactions and balances. it cannot transfer funds, and folk never cancels anything on its own.
your data stays yours
encrypted, never sold, never used to train ai, and deleted when you disconnect.
fair questions
yes, your bank data is a big deal.
the connection is read-only, folk drafts and you send, and disconnecting deletes the synced data.
stop paying for not noticing.
folk notices. you just say send.