Terms of Service
The short version: Owed drafts and tracks consumer claims you're entitled to make, and — when you connect Gmail — sends letters you approve from your own address. Nothing binding goes out without your approval, and you're responsible for what you approve. The full terms follow.
01What Owed is
Owed is an AI-powered assistant that builds a ledger of your purchases and drafts, tracks and escalates consumer claims on your behalf — warranty claims, recall remedies, price-drop refunds, flight and delivery compensation, settlement claims and subscription refunds. You review and approve every letter before anything is sent to a company.
02Not a law firm
Owed is not a law firm, is not your lawyer, and does not provide legal advice, legal opinions, or legal representation. Nothing in the service — letters, policy summaries, next-step suggestions, deadline estimates — is legal advice, and no attorney-client relationship is ever created. Every claim is your claim: Owed helps you write and track it. If you need legal advice, consult a licensed attorney in your jurisdiction.
03Your account
Owed is for adults (18+). Sign in with an email address you control — whoever can open that inbox can get into your account, so treat it like a key. Don’t share your login or let someone else use your account.
04Plans and pricing
The Free plan costs nothing up front: the full agent works your claim — drafting, sending from your connected Gmail, and chasing replies — with one claim in flight at a time. When a claim wins on the Free plan, a 15% success fee on the recovered amount is owed to Owed and recorded against your account; today we track it rather than bill it, but it remains an amount you owe and we may collect or waive it at our discretion. The Premium plan is $12/month ($120/year available): unlimited simultaneous claims and no success fees — you keep 100% of every recovery. Prices may change prospectively with notice; fees already paid are non-refundable to the maximum extent permitted by law.
05Approvals and responsibility
Nothing binding is ever sent without your explicit approval — including letters sent from your connected Gmail address, which go out only when you tap approve. Because you review and approve each claim, you alone are responsible for its contents and truthfulness: purchase details, fault descriptions, amounts, and the decision to send. Owed drafts in good faith from the information you provide and does not verify it. You are the sender of every letter, whether you send it yourself or approve the agent to send it from your address.
06Acceptable use
Don't use Owed to file fraudulent, inflated, or bad-faith claims; to harass companies or their staff; to claim for purchases that aren't yours; to send unlawful content; or to probe, disrupt, or reverse-engineer the service. We may suspend or terminate accounts that we reasonably believe violate these terms or the law, and we may refuse, throttle, or discontinue service to anyone at any time to protect the service or other users.
07No guarantees, limited liability
Some claims lose; Owed never guarantees a recovery, outcome, or timeline. The service — including AI-drafted letters, parsed purchase data, policy summaries, deadlines, and estimates — is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy. AI output can be wrong: you review and approve everything before it is sent, and you are responsible for the facts in it. To the maximum extent permitted by law, Owed and its officers, employees, and suppliers are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost recoveries, lost profits, missed deadlines, expired warranties, lost data, email deliverability failures, actions taken by your email provider, or decisions made in reliance on the service — even if advised of the possibility. Our total aggregate liability for all claims combined is limited to the greater of the amounts you paid Owed in the twelve months before the event giving rise to the claim or $100. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you; in that case liability is limited to the smallest amount the law allows.
08Changes and leaving
You can export all your data or delete your account — immediately and irreversibly — from Settings at any time. We may update these terms as the product evolves; material changes will be posted here with an updated date, and continued use after they take effect means you accept them. We may also modify or discontinue features at any time.
09Connected email (Gmail)
Connecting Gmail is optional and off by default. When you connect, you authorize Owed to (a) send claim letters you have individually approved from your own address, and (b) search and read order-related messages to add purchases to your ledger. You must have the right to grant this access, and you can revoke it anytime in Settings or in your Google account. Letters sent from your address are your communications: you are their sender and are responsible for them. Owed is not responsible for your email provider's actions — including delivery failures, filtering, rate limits, or account restrictions — nor for the completeness of any inbox scan. Your use of Gmail remains governed by Google's terms.
10Indemnification
You will defend, indemnify, and hold harmless Owed and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: the claims you approve and send; the information you provide; your use or misuse of the service; your violation of these terms or of any law; or your infringement of any third party's rights. We may assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate.
11Disputes: arbitration, no class actions
Before filing any claim, contact us — most disputes resolve informally within 30 days. Otherwise, any dispute arising out of or relating to Owed or these terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property misuse. YOU AND OWED EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING; disputes may be brought only in an individual capacity. Any claim must be filed within one year after it arises or is permanently barred, to the extent permitted by law. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these terms. These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.
12Everything else
These terms plus the Privacy Policy are the entire agreement between you and Owed and supersede prior discussions. If any provision is found unenforceable, it will be narrowed to the minimum extent necessary and the rest remains in force — and if the class-action waiver is found unenforceable, the entire arbitration section is void rather than any class proceeding being arbitrated. Our failure to enforce a provision is not a waiver. You may not assign your account; we may assign these terms in a merger, acquisition, or sale of assets. Sections on fees owed, responsibility, liability limits, indemnification, and disputes survive account deletion.