Owed

Terms of Service

Last updated: July 7, 2026

These terms are an agreement between you and Owed (“Owed,” “we,” “us”). Owed is operated by EJCOM LLC. By using imowedmoney.com, you agree to them.

What Owed is — and isn’t

Owed helps you discover class action settlements you may qualify for, estimates what they could be worth, and assists you in preparing and tracking claims. Owed is a software service. We are not a law firm, we are not your attorney, and nothing on Owed is legal advice. We are not affiliated with the courts, the defendants, or the settlement administrators.

Payout estimates

Estimates shown in Owed are approximations based on averages from past and published settlement terms. Actual eligibility, payout amounts, and payment timing are determined solely by the court-appointed settlement administrators. We do not guarantee that you will receive any payment.

Your responsibilities

  • You must be 18 or older and located in the United States.
  • The information you provide — including quiz answers and claimant details — must be true and accurate. Settlement claims are typically submitted under penalty of perjury; submitting a claim you know you don’t qualify for is fraud, and we may suspend accounts that do so.
  • Keep your sign-in email secure; you’re responsible for activity on your account.

Subscriptions and billing

  • Filing claims through Owed requires a paid plan. Prices and plan lengths are shown at checkout, and payment is processed by our payment provider (Whop).
  • Plans renew automatically at the end of each period until you cancel. You can cancel anytime, effective at the end of the current billing period.
  • If you’re not satisfied, you may request a refund within 30 days of purchase by contacting help@imowedmoney.com.

Acceptable use

Don’t misuse Owed: no unlawful use, no submitting claims on someone else’s behalf without authority, no scraping, probing, or interfering with the service, and no attempting to access other users’ data.

Intellectual property

Owed, including its design, software, and content, belongs to us. Brand names and logos of companies referenced in settlements belong to their respective owners and are used only to identify the settlements.

Disclaimers and limitation of liability

Owed is provided “as is” without warranties of any kind. To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, or consequential damages, or for any missed settlement deadlines, rejected claims, or payout decisions made by settlement administrators. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim arose.

Termination

You can close your account at any time. We may suspend or terminate accounts that violate these terms.

Changes and governing law

We may update these terms; if the changes are material we’ll notify you by email or in the product, and continued use means you accept them. These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.

Contact

Questions? Email help@imowedmoney.com.