Owee Terms of Service

Last updated: June 12, 2026

Owee is provided by Kevin Maklouf ("we", "us"). These terms incorporate the Privacy Policy. By using Owee (the "Service") you agree to these terms. If you don't agree, don't use the Service.

1. Eligibility

You must be 13 or older, or the applicable age in your country, to use Owee.

2. Your data and content

• The pools, expenses, settlements, notes, and other content you create in Owee are yours. Owee syncs this content to our cloud backend so it works across devices and with the people you split with. A local cache may also be stored on your device for speed and offline use.
• If you use the free bank-sync trial or subscribe to Owee Plus and choose to link a bank or card, Owee uses Plaid to import account metadata and transactions you can choose to split. Bank linking is optional.
• If you choose to scan a receipt with AI, Owee sends the receipt image to a service provider to extract merchant, total, and line-item details. You must review the draft before it affects balances.
• You're responsible for the content you put into Owee and for how you use it, including recording amounts accurately and only adding other people's information that you're entitled to use.

3. What Owee is - and isn't

Owee is a tracking and accounting tool. It records who owes whom and suggests settlements. It does not move money. Real-world settlements happen through external services that you initiate yourself.

We are not a money transmitter, a bank, a fiduciary, or a financial institution. We do not hold funds. Balances and suggested settlements shown in the app are informational only and may contain errors, so review them before acting on them.

4. Acceptable use

• Do not use the Service to defraud anyone or to facilitate illegal activity.
• Do not reverse engineer, decompile, or attempt to extract source code.
• Do not interfere with or disrupt the app's integrity or performance.

5. Paid features

Owee's core splitting features are free to use. Owee also offers a one-time free bank-sync trial and optional paid features through in-app purchases.

Owee Plus is an auto-renewable subscription that unlocks up to 3 linked bank/card accounts, 10 AI receipt scans per month, and auto-split rules for real imported bank transactions. Owee also offers a one-time consumable AI receipt scan credit for occasional extra scans.

Prices are shown in the app before purchase. Subscriptions renew automatically until canceled through your App Store account settings. Canceling a subscription takes effect at the end of the current billing period. Refunds are handled by Apple under its policies. If your subscription expires, is canceled, or cannot be verified, Plus features may stop working, but existing records you created in Owee remain available subject to these terms.

6. Availability and changes

We aim for a reliable app but don't guarantee it will be uninterrupted or error-free. We may release updates that add, change, or remove features.

7. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We make no representations about the accuracy of computed balances or suggested settlements.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100. WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

9. Indemnification

You agree to indemnify us against claims arising from your misuse of the Service or your violation of these terms.

10. Termination

You may stop using the Service at any time. Account → Delete account permanently erases your Owee account and personal data from our cloud and signs you out. Balances you shared with others may remain in those shared pools as an anonymized participant so your friends' records stay intact. Deleting only the app removes the app from your device but does not delete your cloud account.

11. Governing law

These terms are governed by the laws of the State of California, United States, without regard to conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in California.

12. Changes to these terms

We'll post changes here and update the "Last updated" date. Continued use after changes take effect constitutes acceptance.

13. Contact

Use the support page at https://owee.ai/support or Account → Support in the app.

Questions? Use the support page or Account → Support in the app.