Terms of Use
The service
Owed is a consumer tool that helps you find and prepare refund requests, price-adjustment requests, class-action settlement filings, and official unclaimed-property searches. Owed is not a law firm, not a debt negotiator, not a money transmitter, and not a settlement administrator.
Eligibility
You must be 18 or older and a US resident. We do not offer the service outside the United States.
Your claims, your name
You review and approve every claim. Emails are sent from your mailbox; web forms are submitted by you. We do not batch-file class-action claims. You are responsible for the accuracy of information you confirm.
Fees
There is no subscription and no fee unless money is recovered on a claim you approved. Fees follow the schedule shown at approval (25% subscriptions, 20% retailer refunds/price adjustments, $9 settlement prep, $0 unclaimed property). Fees are charged no earlier than 7 business days after recovered funds reach you, and only after you confirm receipt (or an equivalent notice-and-objection window described in the product). We never deduct fees from recovered funds because we never hold those funds.
No guaranteed results
Merchants and administrators can deny claims. Example dollar amounts on the marketing site are illustrations, not promises.
Acceptable use
Do not use Owed to submit false claims, to harass merchants, or to access another person's mailbox. We may rate-limit outbound claim emails per merchant.
Disclaimers
The service is provided “as is.” To the extent allowed by law, Owed is not liable for lost profits or for a merchant's refusal to pay. Some state laws do not allow certain limitations; those limitations may not apply to you.