Privacy Policy
Last updated: August 29, 2026
Owed (“Owed,” “we,” “us”) helps you discover class action settlements you may qualify for, prepares claim drafts you file yourself, and tracks their status. This policy explains what personal information we collect through imowedmoney.com, how we use it, who receives it, and the choices you have.
Information we collect
- Contact and account info — your email address and name when you sign up or enter your email in our eligibility quiz.
- Eligibility answers — responses you give in the quiz and the optional Boost profile, such as your state, age range, gender, products and services you’ve used, and whether you’ve received a data breach notice. We use these to match you to settlements and, if you use the Earn tab, to show offers likely to fit you.
- Claimant details — the information needed to prepare your claim drafts, such as your legal name, mailing address, email, and (optionally) phone number.
- Payment information — purchases are processed by third-party payment processors (Whop, Polar, or Commas, identified at checkout). We receive your purchase and subscription status; we do not store your card number.
- Usage data and cookies — device and usage information collected via cookies, pixels, and similar technologies, including analytics events, session replays and heatmaps used to fix product issues, experiment assignments, and, where you arrive through a partner or affiliate link, referral attribution. The tools we use today are PostHog (product analytics, session replay, heatmaps, experiments), the Meta Pixel and Conversions API (ad measurement), and Everflow (affiliate attribution). Payment checkouts may also set cookies from Whop, Polar, or Commas.
How we use it
- Match you to settlements and estimate potential payouts.
- Pre-fill and track the claim drafts you choose to prepare — you review, confirm, and file them yourself.
- Operate your account, process purchases, and provide support.
- Send you service emails (like sign-in codes and claim-status updates) and, with your consent, reminders and marketing messages. You can unsubscribe from marketing email via the link in any message, and stop marketing texts by replying STOP.
- Improve the product, run experiments, and measure marketing performance.
When we share it
- Service providers — we use vetted vendors to run Owed: cloud database hosting, email delivery (Resend), text messaging (Sendblue), product analytics and session replay (PostHog), payment processing (Whop, Polar, Commas), and affiliate measurement (Everflow). They process data only to provide their service to us.
- Advertising measurement — we use the Meta Pixel and Meta’s Conversions API to measure ads. This can share event data (like a page view or purchase) tied to a hashed version of your email with Meta. Under some state laws this counts as “sharing” for advertising; you can opt out below.
- Partner offers — only with your action — offers on the Earn tab and dashboard come from third-party partners and offer networks. If you start an offerwall task, the network receives an identifier for your account so it can credit your reward. If you submit a partner’s lead form, the name/email/phone you enter in that form is delivered to that partner, and their privacy policy applies. We do not send your personal information to offer partners unless you take that action.
- Legal reasons — when required by law, or to protect Owed, our users, or the public.
Selling and sharing — and how to opt out
We do not sell your personal information for money. Two things may count as a “sale” or “share” under laws like the California Consumer Privacy Act: (1) advertising-measurement pixels described above, and (2) delivering your details to a partner when you submit their offer form. You can opt out of pixel-based sharing — and exercise a “Do Not Sell or Share My Personal Information” request — by emailing help@imowedmoney.com with the subject “Do not sell or share.” We also honor the Global Privacy Control signal where required. Partner forms are always opt-in: nothing is sent unless you submit the form.
California notice — categories we collect
For the last 12 months, here is how the CCPA/CPRA categories line up with what Owed actually collects. We do not collect Social Security numbers, government IDs, precise geolocation, or biometric data.
| Category | Examples | Who we disclose it to |
|---|---|---|
| Identifiers | Name, email, account id, cookie / device ids, IP address | Service providers (hosting, email, SMS, payments, analytics). Hashed email may go to Meta for ad measurement. |
| Customer records | Mailing address and optional phone, if you fill in a claim draft | Service providers only. Not sent to settlement administrators — you file your own claims. A partner gets these only if you submit that partner’s form. |
| Commercial information | Purchases, plan type, refunds | Payment processors (Whop, Polar, or Commas) |
| Internet activity | Pages viewed, funnel steps, session replay, experiment assignment, ad clicks | PostHog, Meta, Everflow |
| Inferences | Settlement matches we derive from your quiz answers | Used on Owed. Not sold. |
We do not sell personal information for money. Advertising pixels and a partner form you choose to submit may count as “sharing” or a “sale” under California law — opt out as described above.
Nevada residents
Nevada law lets you opt out of the sale of certain covered information. We do not sell that information for money. To make a Nevada opt-out request, email help@imowedmoney.com with the subject “Nevada do not sell.”
Text messages
We only send marketing or reminder texts to a number whose owner checked the SMS box on the claim details form (or otherwise gave us written consent). Message and data rates may apply; reply STOP at any time to opt out, or HELP for help.
Retention
We keep your information while your account is active or while needed to support claim drafts and claims you’ve told us you filed, then delete or de-identify it unless a longer period is required by law.
Your choices and rights
You can access, correct, or delete your information, opt out of marketing, and object to or restrict certain processing by emailing help@imowedmoney.com. If you’re a California resident, you also have the rights provided by the CCPA/CPRA — including the right to know, delete, correct, and opt out of sale/sharing — and we honor these for all users regardless of state. We will not discriminate against you for exercising them.
Children
Owed is for adults. We do not knowingly collect information from anyone under 18, and the quiz stops if you tell us you are under 18.
Changes
If we make material changes to this policy, we’ll update the date above and notify you by email or in the product.
Contact
Questions? Privacy or “do not sell or share” requests: email help@imowedmoney.com or use live chat in the app.