Your personal money recovery agent scans your receipts, bookings, and renewals — and finds the refunds, compensation, and claims you never knew you had.
Most people leave hundreds of dollars unclaimed every year — not because it isn't theirs, but because chasing it is a job. Now it's ours. More money back — less time chasing it.
Illustrative example, not a typical result or a guarantee. Actual findings depend on your own purchase history. Flight compensation is a later feature, not in the first release.
Connect once. From then on, your agent quietly watches your consumer life and asks one question: did something happen that means you're owed money?
Link Gmail or Outlook with secure access. We read commercial email to find opportunities; you approve every claim. Disconnect anytime.
The agent reconstructs what happened, checks the policies and eligibility rules, and estimates what you could recover.
Every claim is prepped and prefilled. Nothing is sent without your approval — claims go out in your name, and money comes straight to you.
Pay only when we win. No subscriptions, no upfront fees — a small share only after money actually reaches you. $0 recovered means $0 paid, always. Most claims can be filed yourself for free; you're paying us to find them and do the work.
Single-purpose apps track your subscriptions or your flights or your settlements. Your agent watches all of it, all the time.
Bought it, then the price dropped? We catch it inside the retailer's adjustment window.
Accidental renewals, double-billing, and charges for services you stopped using.
Delays, cancellations, downgrades — including EU/UK claims US travelers almost never file.
Your receipts are proof you qualify. We match, prefill, and you submit in minutes.
Billing errors and charges that don't match what you actually bought.
States are holding money that belongs to people like you. We point you to the official search.
Promised a refund that never landed? We notice — and chase it.
Products that failed inside their warranty window, matched to your purchase records.
Card benefits and rebates you're entitled to but never filed.
No subscription. No upfront cost. No fine print that charges you anyway. Our incentives are exactly yours.
Yes. There is no subscription and no upfront charge. If your agent finds nothing, or a claim doesn't succeed, you pay nothing. Fees are only charged after recovered money has reached your account, and not earlier than 7 business days after that.
It varies a lot, and we don't quote an “average user” result. The pools are large: US states hold a large stock of unclaimed property, settlement funds go unclaimed every year, and many people pay for a subscription they no longer use. What we find for you depends entirely on your own history.
Almost always, yes — for free. Settlement claims, refund requests, and unclaimed property searches are all things you can do on your own, and we'll always point you to the free option. What we do is find the opportunities, reconstruct the evidence, and do the paperwork.
We request mailbox access to analyze commercial email: receipts, order confirmations, itineraries, renewal notices. Personal conversations aren't what we're looking for and are never surfaced, sold, or used for ads. Your data is never used to train AI models. You can disconnect and delete your data at any time.
Yours. You review and approve every claim, and it's submitted as you — claim emails from your address, forms with your signature. We prepare; you decide. We never batch-file settlement claims on your behalf.
No. Owed is not a law firm and doesn't provide legal advice or representation. We help you exercise ordinary consumer rights — refund policies, price-adjustment windows, compensation schemes, settlement claims — that companies count on you not having time for.