Build a budget
Set up income, bills, and flexible categories by text, or connect your bank with one tap.
Free personal CFO, by text
Polli helps you budget, track spending, and stay on plan. No app and no dashboard — just a conversation. It is free, read-only, and never moves your money.
A zero-based monthly budget over text: every dollar gets a job, and Polli helps you stick to the plan you chose.
Set up income, bills, and flexible categories by text, or connect your bank with one tap.
Text things like “42 groceries,” or let a read-only bank feed keep the books up to date.
See where you stand, and get a yes, not yet, or what to trim when you ask “can I afford this?”
Polli speaks up when a category is running ahead of pace, while there is still time to adjust.
Use the button above or text the keyword POLLI to +1 (817) 985-3717 after reading the consent language.
Polli greets you, then helps with whatever you want to tackle — budget, spending, or a purchase decision.
Optional and read-only through Plaid. Polli never sees bank logins, cannot move money, and does not offer loans or credit. You can also set everything up by text.
This Privacy Policy describes how Polli, operated by Connor Higgins (sole proprietor), collects, uses, and protects information when you text Polli or use this website. If you have questions, email agentgyro@gmail.com.
We use this information to provide Polli’s budgeting service: to reply to you, build and update your budget, send conversational messages and budgeting alerts you opted into, and improve the reliability of the service. We do not use your information to offer loans, cash advances, or credit products.
Mobile numbers and SMS opt-in data and consent will not be shared with or sold to third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We may share other information only with service providers that help us operate Polli (for example, Twilio for text delivery and Plaid for an optional read-only bank connection), when required by law, or to protect the service and its users.
Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to cancel. Consent is not a condition of any purchase. Polli is free. These disclosures apply to SMS text messages and to RCS (rich business messages), with SMS as the fallback if RCS is not available.
We keep your phone number, messages, budget data, and any connected read-only bank data only as long as needed to provide the service and meet legal obligations. You may request access to or deletion of your data at any time by emailing agentgyro@gmail.com or by texting a deletion request to Polli. We will delete or de-identify your information upon request, except where we must retain a limited record (for example, to honor an SMS opt-out or comply with the law).
Connor Higgins, sole proprietor, operating Polli.
Email: agentgyro@gmail.com
These Terms govern your use of Polli, a free personal budgeting assistant delivered by SMS text message and RCS (rich business messages) and operated by Connor Higgins (sole proprietor). By texting Polli or using this website, you agree to these Terms. Questions: agentgyro@gmail.com.
Polli is a free personal CFO that lives in a text thread. There is no required app or dashboard. After you opt in, Polli sends conversational replies and occasional budgeting alerts to help you set up a monthly budget, log spending, stay on plan, and decide whether you can afford a purchase. Messages may be sent as SMS text messages or as RCS (rich business messages). If your device or carrier does not support RCS, messages are delivered by SMS instead. You may optionally connect a bank through a read-only Plaid link. Polli never moves money.
You opt in by reviewing the consent language on this site and texting POLLI (or START, YES, or UNSTOP) to +1 (817) 985-3717. Reply STOP to cancel and stop receiving messages. Reply HELP for help. You may also email agentgyro@gmail.com or text the same number. These STOP and HELP instructions apply to both SMS and RCS.
Message frequency varies based on how often you text Polli and whether a budget alert is needed. Message and data rates may apply, depending on your wireless plan. Consent is not a condition of any purchase. The same frequency, rates, and consent terms apply to SMS and to RCS (rich business messages).
Carriers are not liable for any delayed or undelivered messages. Delivery depends on your carrier and device and is not guaranteed.
Polli is a free service. It does not offer loans, cash advances, credit products, or anything that charges you a fee to use Polli. Polli is not a bank, a lender, or a financial institution, and it is not a substitute for a licensed professional. Information Polli provides is for personal budgeting help only and is not financial, investment, tax, or legal advice.
You are responsible for the accuracy of information you send, for any bank connection you choose to make, and for decisions you make with your money. You must be the owner of the mobile number you use to opt in, and you must be able to consent to receive text messages.
Our Privacy Policy explains what information we collect and how we use it, including that mobile numbers and SMS opt-in data and consent will not be shared with or sold to third parties or affiliates for marketing or promotional purposes.
We may update these Terms as the service changes. The current version will be posted on this page. For support, email agentgyro@gmail.com.
Connor Higgins, sole proprietor, operating Polli.
Open Privacy Policy on its own page · Open Terms of Service on its own page