Privacy Policy

When you sign in with Apple or Google, we receive your name and email address, as allowed by your settings with that provider. If you use Apple’s Hide My Email, we receive a private relay address that forwards to you. We never receive your Apple or Google password.

When you use the app, you may also give us:

• Your name, as it should appear on a claim.
• The phone number that received the messages, so we can match your evidence to you.
• Your payout preference (for example, Venmo or PayPal). This is a label only. We don’t ask for bank, card or account numbers.
• Your answers to questions in the app, such as whether you replied STOP to a sender or whether your number is on the National Do Not Call Registry.
• Screenshots you choose to share. These show the text of messages, the sender’s number or short code, dates and times, and anything else visible on your screen.
• Your confirmations and agreements, such as confirming that your evidence is genuine. We record the exact wording you saw and when you agreed.
• Anything you send us when you contact support.

• App activity, such as screens viewed, buttons tapped and steps completed. Before you sign in this is linked to a random identifier; after, to your account.
• Device and app information, such as device model, operating system version, app version, language and time zone.
• Your IP address, and an approximate location derived from it (city or region, not your precise location).
• Metadata stored in a screenshot you share, such as the date it was taken, which we use to check that evidence is authentic.
• If you allow notifications, a device token so we can send them to you.

We don’t use Apple’s advertising identifier, and we don’t track you across other companies’ apps or websites.

The Message Filter is optional. If you turn on Owed under Settings → Messages → Unknown & Spam, iOS sends messages from senders who aren’t in your contacts to our server, so we can decide whether to file them as promotional. iOS sends the sender’s number or short code and the text of the message.

We use the sender and the text only to decide how to file that one message, and we don’t store either. iOS doesn’t tell us whose phone the message was sent to. You can turn the filter off at any time in iOS Settings.

Subscriptions are sold and billed by Apple through the App Store. Apple processes your payment, and we never receive your card details. Apple tells us what you bought and whether your subscription is active, and we keep that record to provide paid features.

• To create and secure your account and keep you signed in.
• To read your screenshots, identify the sender and brand, and assess whether messages may violate laws such as the Telephone Consumer Protection Act. We do this with automated tools, including AI models run by our service providers, and with review by Owed staff.
• To check that evidence is authentic and to prevent fraud, for example by detecting duplicate or edited images and comparing a sender’s messages across users.
• To show you results and estimates, prepare documents you ask for, and track your claims.
• To connect you with a law firm or claims partner, only when you choose to.
• To send notifications you’ve allowed, and to respond when you contact us.
• To provide subscriptions and paid features.
• To understand how the Services are used, fix problems and improve them.
• To keep a record of what you agreed to and when.
• To comply with the law, enforce our Terms of Service, and protect the rights and safety of our users, Owed and others.

We don’t sell your personal information, and we don’t share it for targeted advertising.

We share information only in these situations:

• With service providers that run parts of the Services for us, under contracts that limit how they may use it: Supabase (accounts, database and file storage), PostHog (product analytics), Anthropic (AI processing to read screenshots), Cloudflare (website hosting and security), and Apple and Google (sign-in and App Store purchases). Our AI providers may not use your content to train their models.
• With a law firm or claims partner, when you choose to hand a claim to one. We share the evidence and details that firm needs to evaluate and pursue your claim, and we tell you before we do. A partner firm may pay Owed a fee when you become its client.
• With a company you pursue, if you ask us to prepare or send something to that company on your behalf. We include only what that communication needs.
• In de-identified form, to help other users. For example, we may use the fact that a sender has texted many people to identify a brand or confirm a pattern. Other users never see your name, number or screenshots.
• For legal and safety reasons: to comply with the law, a subpoena or a court order, or to protect rights, property or safety.
• In a business transfer: if Owed is involved in a merger, acquisition or sale of assets, information may be transferred as part of that deal, and this policy will continue to apply to it.
• With your consent, or at your direction.

Screenshots can include information about other people, such as a sender’s name or number. Please share only messages you received. We use that information only to evaluate and pursue your claim.

We keep your information while your account is open. When you delete your account, we delete your profile, answers, screenshots, results, claims and agreement records from our systems, usually immediately and always within 30 days. Copies in routine backups are overwritten on a rolling schedule.

We may keep app activity that has been disconnected from your account, and information we’re required to keep to comply with the law, resolve disputes or prevent fraud.

• View and edit: change your name, phone number and payout preference in the You tab.
• Delete your account: in the app, go to You → Delete account, or email [email protected]. This removes your data as described above and signs you out.
• Permissions: turn notifications, Photos access and the Message Filter on or off in iOS Settings at any time.

Depending on where you live, including California, Colorado, Connecticut, Oregon, Texas, Utah, Virginia and other states, you may have the right to know what personal information we hold about you, get a copy of it, correct it, delete it, and opt out of its sale or its use for targeted advertising or profiling. We don’t sell personal information or use it for targeted advertising.

To make a request, email [email protected]. We’ll verify your identity, respond within the time the law requires (usually 45 days), and won’t treat you differently for exercising your rights. You may use an authorized agent. If we deny your request, you can appeal by replying to our decision.

In the past 12 months, we have collected these categories of personal information: identifiers (such as name, email address, phone number, account and device identifiers, and IP address); customer records (your payout preference); commercial information (subscription status); internet or other electronic network activity (app activity); approximate geolocation; electronic and visual information (screenshots); and inferences (such as whether a message may be a violation, and an estimated value).

We collect this information from you, your device and your sign-in provider, for the purposes and with the recipients described above. We don’t sell or share personal information for cross-context behavioral advertising, including that of consumers under 16.

Screenshots may contain the contents of text messages, which California treats as sensitive personal information. We use sensitive personal information only to provide the Services you ask for and for other purposes the law permits, so we don’t offer a separate right to limit its use.

The Services are for adults 18 and older. We don’t knowingly collect information from anyone under 18. If you believe a child has given us information, contact [email protected] and we’ll delete it.

We protect information with encryption in transit, access controls that limit each account to its own data, and restricted staff access. No system is perfectly secure, so we can’t guarantee the security of information you send us.

Owed is for users in the United States. We and our service providers process information primarily in the United States.

We may update this policy. If we make a material change, we’ll tell you in the app or by email before it takes effect. The date at the top of this page shows when it was last updated.

Questions or requests about privacy: [email protected].