Terms of Service
The short version: OWED drafts and tracks consumer claims you're entitled to make. Nothing binding is ever sent without your approval, we never take a cut of your recoveries — the only thing we ever charge is a flat subscription — and you can leave, with all your data, at any time.
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 and does not provide legal advice or legal representation. Every claim it drafts is one you are contractually or statutorily entitled to make yourself; OWED automates the paperwork and persistence. For legal advice, consult a licensed attorney in your jurisdiction.
03Your account
You need a valid email address to use OWED. Keep your sign-in email secure — magic links sent to it grant access to your account. One account per person; you're responsible for activity that happens under your account.
04Plans and pricing
The Bounty plan costs nothing up front: the agent works your claims — sending, chasing, escalating — with up to three active claims at a time. When a Bounty claim wins, a 15% success fee on the recovered amount accrues to OWED. While fee collection is not yet enabled, accrued fees are tracked transparently in your account and may be invoiced in the future with prior notice. The Retainer plan is $12/month after a 14-day free trial: unlimited simultaneous claims and no success fees — you keep 100% of every recovery.
05Approvals and responsibility
Nothing binding is ever sent without your explicit approval. Because you approve each claim, you are responsible for the truthfulness of the facts in it — purchase details, fault descriptions and amounts. OWED drafts in good faith from the information you provide.
06Acceptable use
Don't use OWED to file fraudulent, inflated or bad-faith claims, to harass companies or their staff, or to claim for products you don't own. We may suspend or close accounts used this way — it endangers the service for everyone honest.
07No guarantees, limited liability
Some claims lose; OWED never guarantees a recovery. The service is provided "as is", and to the maximum extent permitted by law our total liability to you is limited to the fees you paid us in the twelve months before the claim arose.
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 announced in the app before they take effect.