# MyFulus — Personal AI Accountant & Subscription Finder

> MyFulus (https://www.myfulus.com) is a privacy-first personal AI accountant and financial intelligence platform designed for individuals, households, expats, and business owners in the GCC (UAE, Qatar, Saudi Arabia, Kuwait, Bahrain, Oman) and the United States. It parses bank statements (PDF, CSV), unlocks password-protected statements in ephemeral memory, audits recurring subscriptions, detects hidden fees, tracks monthly burn, computes Shariah-compliant Zakat, and provides grounded financial advice.

For the full, unabridged knowledge base and complete algorithm documentation, see: https://www.myfulus.com/llms-full.txt

## Core Capabilities

- **Bank Statement Parsing**: Ingests checking, savings, and credit card statements in PDF, CSV, and image formats. Supports bilingual statements (English and Arabic) from major GCC and US banks.
- **Ephemeral In-Memory PDF Decryption**: Many GCC banks issue password-protected statement PDFs (using Date of Birth, debit card digits, or national ID). Statements and user-provided passwords are transmitted securely over TLS and decrypted in ephemeral server memory to extract text; passwords are never saved, logged, or written to disk. Stored statements reside on private storage and are deleted when the user deletes them or their account.
- **Subscription & Recurring Charge Hunter**: Automatically identifies recurring debits, software subscriptions, gym memberships, telecom plans, and utility bills. Flags price creeps, frequency anomalies, and forgotten services.
- **Conversational AI Accountant**: Interactive conversational accountant grounded strictly in verified ledger data. Provides net cash flow analysis, savings rate calculations, merchant breakdowns, and category audits with zero hallucination.
- **Multi-Currency Isolation**: Native ledger support for UAE Dirham (AED), Qatari Riyal (QAR), Saudi Riyal (SAR), Kuwaiti Dinar (KWD), US Dollar (USD), Euro (EUR), and British Pound (GBP). Currencies are strictly isolated and never mixed or converted arbitrarily.
- **Automated Zakat Calculation**: Mathematical Zakat calculation following traditional lunar (2.5%) and solar (2.577%) benchmarks with user-selected Nisab thresholds.
- **Statutory Cancellation Notices**: Generates formal cancellation notices citing GCC consumer protection standards, Saudi Central Bank (SAMA) & Ministry of Commerce, Qatar Law No. 8 of 2008, and US ROSCA (15 U.S.C. § 8403) with state Automatic Renewal Laws.
- **Strict Data Privacy & Non-Training AI**: Client financial data is never used to train AI models. Requests strictly enforce data_collection: "deny". No tracking cookies or invasive third-party ad pixels. One button deletes everything.

## Pricing & Free Tier

- **Free Scan**: Analyze up to 3 bank statements free forever with subscription hunting and transaction categorization.
- **Pro Monthly**: $8.99 / month with a 14-day free trial. Unlimited statement uploads, full ledger history, deep AI accountant chat, and monthly email briefings.
- **Pro Yearly**: $79.00 / year (save 27%) with a 14-day free trial.

## Canonical Documentation & Links

### Core & Portals
- Homepage (English): https://www.myfulus.com/
- Homepage (Arabic): https://www.myfulus.com/ar
- Full Knowledge Base: https://www.myfulus.com/llms-full.txt
- Sign in / Sign up: https://www.myfulus.com/login

### Tools & Calculators
- Financial Tools Hub: https://www.myfulus.com/tools
- Automated Zakat Calculator: https://www.myfulus.com/zakat
- Subscription Cancellation Letter Generator: https://www.myfulus.com/tools/cancel-subscription

### Research & Guides
- Financial Guides Hub: https://www.myfulus.com/guides
- Zakat on Bank Savings in Qatar & UAE: https://www.myfulus.com/guides/zakat-bank-savings-qatar-uae
- Password-Protected Bank Statement Directory: https://www.myfulus.com/guides/password-protected-bank-statements
- Hidden FX Fees in GCC Bank Remittances: https://www.myfulus.com/guides/hidden-fx-remittance-fees-gcc

### Help Center & Technical Walkthroughs
- Help Center Hub: https://www.myfulus.com/help
- Bank Statement Reading Guide: https://www.myfulus.com/help/statements
- Find Forgotten Subscriptions Guide: https://www.myfulus.com/help/find-forgotten-subscriptions

### Legal & Trust
- Privacy Policy: https://www.myfulus.com/privacy
- Terms of Service: https://www.myfulus.com/terms

## Technical Specifications

- **Application Architecture**: Next.js (App Router), React, TypeScript, Tailwind CSS, PostgreSQL, Prisma ORM.
- **AI Inference Engine**: High-speed conversational reasoning model routed via OpenRouter with data collection policy set to "deny".
- **Supported File Formats**: PDF (including password-encrypted), CSV, TXT.
- **Founder & Operator**: Amman Abbasi.
- **Compliance & Classification**: Financial software tool. Not a CPA, licensed tax preparer, or registered investment advisor (RIA).