Terms of Service

To use the Services:

• You must be at least 18 years old.
• You must live in the United States.
• The phone number and messages you submit must be yours: you must be the person who received them.
• You must be able to form a binding contract, and not be barred from using the Services under applicable law.

You’re responsible for keeping your Apple or Google account secure, and for activity on your Owed account.

Owed is not a law firm, doesn’t provide legal advice, and isn’t your lawyer. Using the Services doesn’t create an attorney-client relationship with Owed.

Owed provides information and self-help tools. We help you organize evidence, spot messages that may violate laws such as the Telephone Consumer Protection Act and, if you choose, connect with independent law firms.

Results, scores and dollar figures in the Services are estimates based on the amounts the law allows. They aren’t legal opinions, predictions or promises. Whether you’re owed anything, and how much, is decided by the company involved, a court or arbitrator, or the law firm handling your matter. For advice about your situation, talk to a licensed attorney in your state.

You can share screenshots of text messages with Owed. We read them using automated tools, including AI, and review by Owed staff, to identify the sender and brand and assess whether the messages may be violations. We then show you what we found and the options available to you.

Our assessments can be wrong or incomplete, and laws, court decisions and deadlines change. Claims can be subject to time limits. Owed doesn’t track deadlines for you, and decisions about whether and how to pursue a claim are yours.

Some features, such as the Message Filter and notifications, rely on iOS permissions you control. The Message Filter may occasionally file a message in the wrong folder. You can turn it off in iOS Settings at any time.

You agree that everything you submit is genuine, unedited and yours; that you actually received the messages you report; and that the information you give us is accurate and kept up to date. Submitting fabricated or altered evidence can get a claim rejected and your account closed, and may be against the law.

Only submit messages you received. Screenshots may show other people’s information, and you’re responsible for having the right to share what you submit.

If you choose to hand a claim to a partner law firm, we’ll share the evidence and details that firm needs, and we’ll tell you before we do. Partner firms are independent of Owed. Any relationship you form with a firm, including its fees and the terms of its representation, is between you and that firm. Owed doesn’t control a firm’s advice or work and isn’t responsible for it.

A partner firm may pay Owed a fee when you become its client. Owed doesn’t take a percentage of any money you recover.

You’re never required to use a partner firm. You can pursue a claim yourself, hire any lawyer you choose, or do nothing.

Owed doesn’t receive, hold or distribute money recovered for you. Any payment is made directly to you by the company involved, a settlement administrator, or the law firm handling your matter. The payout preference you choose in the app is shared only to help those parties pay you.

Some features require a paid subscription, purchased through Apple’s App Store. The price and billing period are shown before you buy.

• Payment is charged to your Apple ID when you confirm the purchase.
• Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. You can manage or cancel it in your Apple ID settings.
• If a free trial is offered, your subscription starts charging when the trial ends unless you cancel at least 24 hours before then.
• Deleting the app or your Owed account doesn’t cancel a subscription. Cancel it in your Apple ID settings.
• Refunds are handled by Apple under its policies. Owed can’t issue refunds for App Store purchases.

We may change prices or what a subscription includes. A price increase takes effect at your next renewal, and Apple will notify you where required. Paying for a subscription doesn’t guarantee any result or recovery.

We may contact you by email or in-app message about your account, your claims and changes to the Services. Push notifications are optional and controlled in iOS Settings. Owed won’t send you marketing text messages without your separate, express consent.

You agree not to:

• Submit false, altered or misleading evidence, or messages you didn’t receive.
• Use the Services to harass, threaten or extort anyone, or to make demands in bad faith.
• Use another person’s account, phone number or identity.
• Access the Services by automated means, or scrape, copy or resell them.
• Reverse engineer or interfere with the Services, or try to get around their security.
• Use the Services in violation of any law or anyone’s rights.

You keep ownership of the content you submit. You give Owed a non-exclusive, royalty-free license to host, store, copy, process (including with automated tools and AI) and use it to provide, secure and improve the Services, and to share it as you direct or as described in our Privacy Policy.

We may create de-identified, aggregated information from submissions, for example to identify brands and patterns of unlawful messaging, and use it for any lawful purpose. If you send us feedback or ideas, we may use them without any obligation to you.

The Services, including the app, website, software, design, text and trademarks, belong to Owed and its licensors. We grant you a personal, limited, non-transferable, revocable license to use the app on Apple devices you own or control, for your own non-commercial use, in line with these Terms and Apple’s Usage Rules.

The Services work with services we don’t control, including Apple, Google, the App Store and partner law firms. Your use of them is subject to their own terms, and Owed isn’t responsible for them.

The Services are provided “as is” and “as available.” To the fullest extent the law allows, Owed disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. Owed doesn’t warrant that the Services will be uninterrupted or error-free, that any assessment or estimate is correct, or that you’ll recover any money.

To the fullest extent the law allows, Owed and its officers, employees and partners won’t be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, or any claim you lose or fail to bring, arising from or related to the Services.

Owed’s total liability for all claims related to the Services is limited to the greater of the amount you paid for the Services in the 12 months before the claim arose, or $100. Some states don’t allow these limits, so they may not fully apply to you.

You agree to defend, indemnify and hold harmless Owed from any claims, losses and expenses (including reasonable attorneys’ fees) arising from content you submit, your misuse of the Services, or your violation of these Terms or the law.

You can stop using the Services and delete your account at any time, in the app under You → Delete account. We may suspend or close your account if you break these Terms or submit fraudulent evidence, or if we stop offering the Services.

Sections 4, 10 and 13 through 21 survive the end of your use of the Services.

If you downloaded the app from Apple’s App Store:

• These Terms are between you and Owed, not Apple. Owed, not Apple, is responsible for the app and its content.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to meet an applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any. Apple has no other warranty obligation for the app.
• Owed, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, and consumer protection claims.
• Owed, not Apple, is responsible for investigating and resolving any claim that the app infringes a third party’s intellectual property rights.
• You confirm that you aren’t located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you aren’t on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms, and may enforce them against you.

This section covers disputes between you and Owed. It doesn’t affect any claim you have against a company that sent you messages.

Informal resolution. Before starting arbitration, you and Owed agree to try to resolve a dispute informally. Send a written description of the dispute, and what you want, to [email protected]. We’ll contact you at the email on your account. If the dispute isn’t resolved within 60 days, either of us may start arbitration.

Binding individual arbitration. Except as described below, you and Owed agree that any dispute, claim or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The Federal Arbitration Act governs this agreement to arbitrate. The arbitrator, not a court, decides questions about the scope and enforceability of this agreement. Hearings may take place by video, by phone, on written submissions, or in the county where you live. Owed will pay AAA filing, administration and arbitrator fees to the extent the Consumer Arbitration Rules require.

Class action and jury trial waiver. You and Owed may bring claims against each other only individually, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. You and Owed each waive the right to a jury trial.

Exceptions. Either of us may bring an individual claim in small claims court, or ask a court for an injunction to stop the infringement or misuse of intellectual property.

Opting out. You can opt out of this arbitration agreement by emailing [email protected] within 30 days of first accepting these Terms. Include your name, the email on your Owed account, and a statement that you opt out of arbitration. Opting out doesn’t affect the rest of these Terms.

Mass filings. If 25 or more similar arbitration demands are filed by or with the help of the same law firm or organization, they may be administered in batches under the AAA’s mass arbitration procedures, and you and Owed agree to cooperate to resolve them efficiently.

Severability. If the class action waiver is found unenforceable for a particular claim, that claim must be severed and decided in court, and this section still applies to all other claims.

These Terms are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-law rules. Any dispute that isn’t subject to arbitration will be brought only in the state or federal courts located in Delaware, and you and Owed consent to their jurisdiction.

We may update these Terms. If we make a material change, we’ll notify you in the app or by email before it takes effect, and continuing to use the Services afterwards means you accept the updated Terms. A change to Section 18 won’t apply to a dispute that arose before the change.

These Terms and our Privacy Policy are the entire agreement between you and Owed about the Services. If any part is found unenforceable, the rest stays in effect. Our failure to enforce a provision isn’t a waiver of it. You may not transfer these Terms without our consent; we may transfer them as part of a merger, acquisition or sale of assets. Neither of us is liable for delays caused by events beyond our reasonable control. You agree that we may provide notices and agreements to you electronically.

Questions about these Terms: [email protected].