Welcome to Owed
Welcome to Owed, owned and operated by Owed, Inc. ("Owed," "we," "us" or "our"). These Terms of Service (this "Agreement") govern your use of the website located at owed.example (the "Site"), the Owed mobile and web applications (the "App"), and all related products, services, tools and technology platforms we operate (collectively, the "Services"). "You" and "your" mean the person using the Services.
By creating an account, clicking "I agree," or otherwise accessing or using the Services, you agree to be bound by this Agreement and our Privacy Policy. If you do not agree, do not use the Services.
Important notices
These terms are a legally binding agreement
This Agreement contains a mandatory arbitration provision and a class-action waiver (Section 13). Please read it carefully — it affects how disputes between you and Owed are resolved.
Owed is not a law firm
Owed provides technology that helps you discover class-action settlements, understand eligibility criteria in plain language, and prepare and submit claim forms. Owed does not provide legal advice, does not represent you in any legal matter, and is not a party to any settlement. Eligibility, payout amounts and timing are determined solely by the courts and settlement administrators.
Solely intended for United States users
The Services are intended for use by residents of the United States. We make no representation that the Services are appropriate or available in other locations.
Eligibility to use the Services
You must be at least 18 years old (or the age of majority in your state) to create an account. By using the Services you represent that you meet this requirement and that all information you provide is accurate and complete.
Privacy Policy
Our Privacy Policy explains what information we collect, how we use it and the choices you have. It is incorporated into this Agreement by reference.
1. The Service
The Services allow you to (a) browse open and past class-action settlements, (b) answer eligibility questions, (c) save claimant details so we can pre-fill claim forms, (d) submit claims to settlement administrators on your behalf where permitted, and (e) receive status updates, deadline reminders and payout notifications. Certain features may require a paid plan (see Section 9).
Settlement information is compiled from public court filings, administrator websites and partner law firms. We work to keep it accurate and current, but settlements change frequently and we cannot guarantee that every listing, deadline or payout estimate is correct. Payout figures shown in the Services are estimates only.
2. Warranty and liability disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT YOU WILL QUALIFY FOR ANY SETTLEMENT, THAT ANY CLAIM WILL BE ACCEPTED, OR THAT YOU WILL RECEIVE ANY PAYMENT. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.
3. User account; account security
To use most features you must create an account with a valid mobile number and email address. You agree to:
- provide accurate, current and complete information and keep it updated;
- keep your login credentials and verification codes confidential and control their dissemination and use;
- notify us immediately at support@owed.example of any unauthorized use of your account; and
- maintain only one account per person. If we discover you have created multiple accounts for the same user, we may merge or close them.
You are responsible for all activity that occurs under your account.
4. Your data
You retain ownership of the information you provide to us ("Your Data"). You grant Owed a limited license to use, store, process and transmit Your Data as necessary to provide the Services — including sharing claimant details with settlement administrators and courts when you ask us to submit a claim. If you connect an email account, we access only purchase-related messages needed to establish eligibility, as described in our Privacy Policy. You may disconnect at any time.
5. License grant; use restrictions
Subject to this Agreement, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for your personal, non-commercial use. You agree not to:
- submit a claim for a settlement for which you are not eligible, or on behalf of another person without authority;
- operate to defraud Owed, other users, settlement administrators or any other person;
- provide false, inaccurate or misleading information;
- exploit the Services for any unauthorized commercial purpose, including scraping, reselling or bulk claim filing;
- reverse engineer, decompile or attempt to extract the source code of the Services;
- interfere with the security or operation of the Services or use bots, scripts or other automated means without our written permission;
- violate any applicable law or the rights of any third party.
6. Intellectual property rights
The Services, including all software, text, graphics, logos, illustrations and the Owed name and marks, are owned by Owed or its licensors and are protected by copyright, trademark and other laws. Third-party company names and logos displayed in settlement listings belong to their respective owners and are used solely to identify the relevant settlement; their appearance does not imply endorsement or affiliation.
7. Third-party services and websites
The Services may link to or integrate with third-party websites and services, including settlement-administrator portals, payment processors and email providers. We do not control and are not responsible for those services, and your use of them is governed by their own terms and privacy policies.
8. Termination
You may delete your account at any time from your profile settings. We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated this Agreement, created risk or legal exposure for us, or if we discontinue the Services. Sections that by their nature should survive termination (including 2, 4, 6, 10, 11, 13 and 15) will survive.
9. Payment
Finding, filing and tracking claims is free. Optional paid plans (for example, a discounted introductory trial that converts to an annual subscription unless cancelled) unlock additional features described at checkout. By purchasing a plan you agree:
- to pay the applicable fees and any taxes;
- that subscriptions renew automatically at the then-current rate until cancelled;
- that you may cancel at any time before the end of the trial or current term to avoid the next charge; and
- that fees are non-refundable except where required by law.
Payments are processed by third-party processors; we do not store full card numbers.
10. Indemnification
You agree to defend, indemnify and hold harmless Owed and its officers, directors, employees and agents from any claims, damages, losses and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, Your Data, or your violation of (a) this Agreement, (b) any law or regulation, or (c) the rights of a third party.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OWED WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA OR SETTLEMENT PROCEEDS, ARISING OUT OF OR RELATED TO THE SERVICES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR (B) $100.
12. Digital Millennium Copyright Act ("DMCA")
If you believe content on the Services infringes your copyright, send a notice containing the information required by 17 U.S.C. § 512(c)(3) to our designated agent at legal@owed.example. We will respond to valid notices and may terminate repeat infringers.
13. Dispute resolution
Informal resolution first. Before filing a claim, you agree to contact us at legal@owed.example and attempt to resolve the dispute informally for at least 30 days.
Binding arbitration. Any dispute that is not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court. The Federal Arbitration Act governs this section.
Class-action waiver. YOU AND OWED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Opt-out. You may opt out of this arbitration agreement by emailing legal@owed.example within 30 days of first accepting this Agreement, stating your name and that you wish to opt out.
14. Communications
By providing your mobile number and email you consent to receive transactional messages (verification codes, claim status, deadline reminders, payout notices) and, unless you opt out, marketing messages from Owed by email, phone or text. Message and data rates may apply. Reply STOP to any text to opt out of SMS, or use the unsubscribe link in any email. You can also manage notifications in your account settings.
15. Miscellaneous
This Agreement is governed by the laws of the State of Delaware without regard to conflict-of-law rules. If any provision is found unenforceable, the remainder will remain in effect. We may update this Agreement from time to time; material changes will be posted here with a new "Last modified" date, and continued use after changes means you accept them. We reserve the right to correct any errors, inaccuracies or omissions in the Services, and to change or discontinue features, at any time. You may not assign this Agreement without our consent; we may assign it in connection with a merger, acquisition or sale of assets. This Agreement, together with the Privacy Policy, is the entire agreement between you and Owed regarding the Services.
16. Usage rules; product claims
If you access the Services through an app store, you also agree to that store's usage rules. Owed, not the app store provider, is responsible for the Services and for addressing any claims relating to them, including product liability claims, claims that the Services fail to conform to legal requirements, and consumer-protection claims.
17. Contact us
Questions about these Terms? Email legal@owed.example or visit our contact page.