Owed Alerts — SMS Terms & Conditions
Last updated: October 27, 2026
These terms govern the text-message program called Owed Alerts, operated by Owed (imowedmoney.com). By opting in you agree to them and to our Terms of Service and Privacy Policy.
1. Program description
Owed Alerts sends recurring automated text messages from Owed to the mobile number you provide: claim-status updates (a new settlement you matched, missing details on a saved claim, status the claims administrator publishes), deadline reminders before a filing window closes, trial and renewal notices with the date and amount of a charge, account notifications, replies to questions you text us, and occasional offers from Owed. We never send offers from third parties. Every message identifies Owed and links only to imowedmoney.com.
2. How you opt in
You opt in by entering your mobile number and checking the consent box on imowedmoney.com/sms or on the claim-details form inside Owed. The box is never pre-checked. Consent is not a condition of purchasing anything from Owed. By opting in you confirm that you are the subscriber or customary user of the number, that you are 18 or older, and that you consent to receive messages sent using an automatic telephone dialing system. We keep a record of your number, the consent language you saw, and the time you agreed.
3. Message frequency
Message frequency varies with your account and claims. You will receive up to 8 messages per month; most months it is one to three. Checkout follow-ups are limited to two messages in any seven-day period. We send between 9am and 8pm in your local time.
4. Message and data rates
Message and data rates may apply to every message sent or received, according to your mobile plan. Contact your carrier for details.
5. How to stop (STOP)
Reply STOP to any Owed text to cancel. STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT work the same way. You will receive one final message confirming that you have been unsubscribed, and no further messages after that. To rejoin, reply START or sign up again at imowedmoney.com/sms. You can also stop by emailing help@imowedmoney.com with the number you want removed.
6. How to get help (HELP)
Reply HELP (or INFO) to any Owed text and we will reply with a short message naming Owed and how to reach us. You can always email help@imowedmoney.com or visit your account settings.
7. Supported carriers
Owed Alerts is available on major US carriers, including AT&T, T-Mobile, Verizon, UScellular and most regional carriers and prepaid brands that run on their networks. Carriers are not liable for delayed or undelivered messages.
8. Privacy
Your mobile number and your SMS consent are used only to run this program. We do not sell them, and we do not share mobile opt-in data or consent with third parties or affiliates for their marketing purposes. How we handle personal information is described in our Privacy Policy.
9. Disclaimers
- Owed is a software service. It does not file claims on your behalf, is not a law firm and does not give legal advice.
- Texts about a settlement describe eligibility you may have and typical payout ranges; they are not a guarantee that you qualify or will be paid. Settlement money is paid by the claims administrator, not by Owed.
- Delivery depends on your carrier and device. If you change or give up your number, opt out first or tell us at help@imowedmoney.com.
10. Changes and contact
We may update these terms; the date at the top shows the current version, and material changes will be noted in a text or on this page. Questions: help@imowedmoney.com.