Effective 5 June 2026
These Terms of Service (“Terms”) govern your use of Owed (“Owed”, “we”, “us”), a mobile app built by Bramley and part of the Bramley family of personal-finance apps.
By installing and using Owed, you agree to these Terms. If you don’t agree, please uninstall the app.
We try to keep this in plainspoken English. If anything is unclear, email us at support@bramley.one — we’ll explain.
Owed is a calculator-style settlement-claim discovery tool. We help you find class-action settlements, tax credits, and consumer-protection payouts you may match, and we link you to the official administrator’s claim form so you can file there.
We are not a law firm. We help you find settlements and link you to the administrator’s own claim form. Free. No cut of your payout.
Owed runs almost entirely on your device. We don’t see your real name, your email, your payment method, or what you file with any settlement administrator.
You can use Owed for any lawful personal purpose, including finding settlements that may apply to you, tracking deadlines, and following links to claim forms.
You agree NOT to:
If you do any of the above, we can stop providing Owed to you. (We can’t physically take the app off your phone, but we can disable Owed+ entitlements and block any cloud-backed features.)
Owed has a free tier (the core product — settlement discovery, tracking, deadline reminders) and an optional paid tier called Owed+. Owed+ adds proactive features: multi-state matching, brand-specific alerts, 30-day look-ahead on new settlements, priority deadline reminders, custom payout thresholds, source confidence indicators.
Pricing: $2.99 / month or $19.99 / year, with a 7-day free trial. Prices may vary by country to match local App Store pricing tiers.
Billing: Owed+ is billed by Apple (App Store), not by us. Owed never charges you directly. Your payment information is held by Apple; we never see it. We use RevenueCat as a thin layer to validate your purchase and unlock Owed+ features on your device.
Auto-renewal: Owed+ renews automatically at the end of each billing period (monthly or annually) until you cancel. You will be charged at the renewal price within 24 hours of period end. You can change your subscription or turn off auto-renewal at any time from your App Store account.
Trial: the 7-day free trial converts to a paid subscription unless you cancel before the trial ends. Apple handles subscription notifications per its platform policies.
You can cancel Owed+ anytime. We do not use retention dark patterns. There is no “are you sure” loop, no save-offer flow, no exit interview.
To cancel:
After you cancel, Owed+ remains active until the end of the current billing period — you keep the paid features until then. No further charges occur.
Owed does not process refunds directly. Owed+ subscriptions are refunded by Apple (App Store) per its policies. To request a refund, open Settings → your name → Media & Purchases → View Account → Purchase History → Report a Problem. Apple decides refund eligibility independently of Owed.
Owed is provided “as is” and “as available.” We do our best to keep the settlement data accurate and up-to-date — we draw from public settlement sources and cross-verify with CourtListener (the free PACER federal court records database) — but we cannot guarantee that:
Always verify a settlement’s current status on the administrator’s official site before filing a claim.
To the extent permitted by law, Owed and Bramley are not liable for:
If a court finds us liable for anything despite the above, our total liability is limited to the amount you paid for Owed+ in the 12 months before the claim — or $50, whichever is greater.
Owed is not a law firm and does not provide legal advice. The presence of a settlement in Owed’s matches does not mean you qualify for a payout; eligibility is determined by the settlement administrator after you submit a claim. Owed surfaces public settlement information you may match; verify with the administrator before filing.
If we change these Terms in a way that affects you, we’ll update this document and notify you in-app before the change takes effect. The “Effective” date at the top reflects the last revision.
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of Owed will be resolved in the state or federal courts located in Delaware.
Questions, concerns, or feedback? Email support@bramley.one.