How Owed works.

We prepare. You file. Money comes to you. That split is the product — it keeps claims legitimate and keeps us out of other people's funds. Preview a fixture Recovery Report (illustrative, not a live mailbox).

01

Create an account

US residents 18+. We collect your legal name and state because some settlements and unclaimed-property rules are state-specific. Signing in with Google or Microsoft does not grant mailbox access.

02

Connect Gmail or Outlook

A separate consent screen. We ask to read commercial email and, if you allow it, to send approved claim emails from your address. No ads, no data sale, no AI training on your mail. You can disconnect and delete anytime.

03

Scan

We look back up to 24 months using provider-side filters (receipts, renewals, refunds, settlements) — not your whole mailbox. First findings typically appear before the scan finishes.

04

Review the Recovery Report

Each opportunity shows what happened, the emails we used, the policy basis, an estimated value, the exact email or form we would use, and the fee if it succeeds.

05

Approve in your name

Nothing is sent without a per-claim approval. Claim emails come from your mailbox. Settlement forms are prefilled for you to submit. We never batch-file class actions.

06

We watch for the outcome

When a refund or payout is confirmed — and you confirm you received it — we wait 7 business days, notify you, then charge the success fee to the card you added at approval.