Owed

Terms of Service

Last updated: August 29, 2026

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

Using Owed, creating an account, or completing checkout is also your consent to receive electronic communications from us — account and claim-status emails, and, if you opt in, reminders or marketing. Those messages satisfy any legal requirement that we contact you in writing. You can unsubscribe from marketing email via the link in any message.

What Owed is — and isn’t

Owed is claims-preparation software. We help you discover class action settlements you may qualify for, estimate what they could be worth, pre-fill claim drafts with the details you give us, and track the status of claims you file. You review, confirm, and submit your own claims — Owed does not file or submit claims on your behalf. 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, the settlement administrators, or any government agency.

Payout estimates

Estimates shown in Owed are approximations based on published settlement terms from past and current cases. 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. Some settlements shown as a “watchlist” relate to pending lawsuits or expected settlements that do not yet have an open claim window; no payout exists for those unless and until a settlement is approved.

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.
  • You are responsible for reviewing each claim draft before you file it, and for filing before the administrator’s deadline.
  • Keep your sign-in email secure; you’re responsible for activity on your account.

Purchases and billing

  • Access to claim preparation requires a paid purchase. Prices are shown at checkout. Payment is processed by a third-party payment processor — depending on your checkout, this is Whop, Polar, or Commas; the processor is identified at checkout and on your receipt.
  • The standard purchase is a one-time payment — nothing renews.
  • If you buy an optional subscription or a recurring add-on, checkout will say so and show the price and period before you pay. That plan renews automatically at the end of each period until you cancel. Cancel anytime from Settings (or by emailing help@imowedmoney.com). You must cancel before the current period ends to avoid the next charge. Cancellation takes effect at the end of the period you already paid for — you keep access until then. We do not refund unused time on a canceled subscription except as required by law or under the 30-day guarantee below.
  • Optional one-time add-ons (for example priority prep, specialist review, settlement alerts, the Sweep Toolkit, or a household seat) are described on the screen where they are offered and charged once unless labeled as recurring.
  • Risk-free guarantee: if you’re not satisfied for any reason, contact us within 30 days of purchase — by email or live chat — and we will refund your purchase in full. A request is not an automatic refund.

Payout guarantee

If we put a payout guarantee on your account (you will see it in the app and in Support), this is the promise: if you filed at least one claim through Owed and none of your claims have paid you anything by the check date on that guarantee, we refund the plan fee the guarantee covers.

  • “Paid you anything” means money recorded as received on a claim, not an estimate or an accepted-but-unpaid claim.
  • You must have at least one claim filed with a settlement administrator. Sitting in your queue is not enough.
  • One guarantee per account. The check date is 180 days after we grant it.
  • The guarantee covers the plan fee frozen when we granted it. It does not cover add-ons unless we say so on the guarantee.
  • We review the account on the check date and issue the refund. That review is not instant and not an automatic checkout credit.
  • This is not a promise that any claim will pay. It is separate from the 30-day refund request above.

Earn tab and partner offers

  • The Earn tab and certain dashboard cards show offers from third-party partners and offer networks. These are provided by the partners, not by Owed; the partner’s own terms apply to anything you sign up for, purchase, or earn through them.
  • Owed may be compensated when you view, click, or complete a partner offer. Offers that pay us are labeled as partner offers.
  • Rewards for offerwall tasks are determined and verified by the offer network; crediting times and amounts are controlled by the partner.
  • Your personal information is sent to a partner only as described in our Privacy Policy — in short, only when you submit that partner’s form or start their offer.

Referrals

If you share a referral link, rewards and referred-friend pricing are as described on the referral screen and may change or end at any time. Self-referrals and fraudulent referrals may be reversed.

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 or lawsuits.

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, payout decisions made by settlement administrators, or anything arising from a third-party partner offer. 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.

Arbitration and class waiver

Any dispute between you and Owed that can’t be resolved informally will be resolved by binding individual arbitration under the AAA Consumer Arbitration Rules, rather than in court — except that either party may bring an individual claim in small claims court. You and Owed each waive the right to a jury trial and to participate in a class action against each other. This section does not affect your rights in the third-party class action settlements you file claims in. You may opt out of arbitration by emailing help@imowedmoney.com within 30 days of first accepting these terms.

Severability and entire agreement

If any part of these terms is found unenforceable, the rest remains in effect. These terms, together with the Privacy Policy and any terms shown at checkout, are the entire agreement between you and Owed.

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 or use live chat in the app.