OweMe Terms of Use

Last updated: 26 September 2026

1. Who you are agreeing with

These terms are between you and OweMe ("we", "us"), run by an individual sole trader, at Skanderbeg Square, 1001 Tirana.

By creating an account you accept them. If you do not, do not create one.

2. What OweMe does — and what it emphatically does not

OweMe is a record of who owes whom. You enter what was spent and who shared it; OweMe does the arithmetic and works out who could pay whom to settle up in the fewest transfers. If you have not used it yet, the guide walks one trip through end to end and will explain far more than this section is trying to.

One consequence of "the fewest transfers" is worth stating here rather than leaving to be discovered: settling up clears the whole group at once, so it may ask you to pay somebody you never shared a particular expense with. The totals are the same either way. Nobody is being asked to pay a debt that is not theirs; they are being asked to pay it to a different person.

OweMe never moves, holds, transmits, or processes money. It is not a bank, a payment service, an e-money institution, or a money transmitter. It has no connection to your bank or card. Marking a settlement as paid records your claim that a payment happened somewhere else, by some other means.

It follows that:

• We cannot recover a payment, reverse one, or resolve a dispute about one.
• The balances OweMe shows are arithmetic on what you and the people in your group typed in. They are not evidence of a debt, an invoice, or a legally enforceable obligation.
• If somebody enters an expense that is wrong, only the people in that group can sort it out. We can tell you what was recorded and when it changed; we cannot say who is right.
• A settlement can be confirmed or disputed by the person on the other side of it, and either way the record stays visible. That is a tool for you to disagree with each other in the open. It is not us adjudicating.
• Any disagreement about money is between you and the other people involved. We are not a party to it and have no duty to settle it, and — to the extent the law allows — you release us from claims arising out of it.

3. Your account

• You must be at least 16, everywhere in the world. That is stricter than the law requires in most places — the GDPR permits 13 in some member states, and the US COPPA rule covers under-13s — and one age is easier to honour than a map. §10 of the Privacy Policy says what happens if a younger person signs up anyway.
• Keep your password to yourself. You are responsible for what happens under your account.
• Give us an email address you actually control — it is the only way back in, and we will ask you to confirm it.
• One account per person. Do not impersonate anybody.

Tell us at privacy@owemeapp.com if you think somebody else has your account.

4. What you put in

You keep ownership of everything you enter. You grant us only the permission we need to run the service: to store it, and to show it to the other members of the groups you put it in.

Three consequences worth stating plainly:

• Anything you add to a group is visible to everybody in that group, including expense descriptions and notes. It is a shared ledger; that is the point.
• Adding somebody by name means giving us their name. Only add names those people would be comfortable with.
• An invite link or QR code lets whoever holds it join that group and see everything in it. Send it to the person you meant to. You can revoke it, and it expires on its own.

Do not use OweMe to store anything unlawful, or anybody's data you have no right to share.

5. Paid plans

OweMe is free to use for the arithmetic — every split, balance and settle-up calculation, forever. Paid plans add scale and convenience.

5.1 What is sold

• OweMe Premium, a subscription, monthly or annual. It adds unlimited groups, unlimited history, offline mode for all your groups on up to five devices, unlimited receipt scanning, currency conversion, a PDF export of any group, and people who are not on OweMe in any group — a name with no account behind it (the free plan includes none; §5.6).
• A free trial. Where the store offers you one, the annual plan starts with a 7-day free trial. You are not charged during the trial. Unless you cancel at least 24 hours before it ends, the subscription begins when it ends and the first year is charged. Any unused part of a trial ends if you buy a subscription during it.
• A premium group, a one-off purchase that upgrades one group for everyone in it, including people who have never paid, for 90 days from purchase. It upgrades the group: full history and no expense cap in it, currency conversion, people who are not on OweMe, receipt scanning, a PDF export of that group, and offline mode for that group — every member can keep that group on their phone without a connection. Their other groups are not included and stay online: a premium group covers the group it was bought for. It does not renew and is not a subscription: at the end of the 90 days the group returns to what each member's own plan gives them. Nothing in the group is deleted when that happens, and it can be bought again — for the same group or another one, as often as you like.

Current prices and features are shown in the app, taken directly from Google Play or the App Store in your own currency.

5.2 Billing

Purchases go through the store you installed OweMe from: Google Play on Android, and Apple's App Store on iPhone. We never see your payment details.

• A subscription renews automatically for the same price and period until you cancel, and is charged to your Google Play account or your Apple Account at confirmation of purchase.
• Cancel at least 24 hours before the period ends — on Android in Google Play → Subscriptions, and on iPhone in Settings → your name → Subscriptions. Cancelling stops the renewal; you keep access until the end of the period you have already paid for.
• Premium follows your OweMe account, onto any phone you sign in on. It is still billed, cancelled and refunded through the store you bought it from.
• A free trial converts into a paid subscription unless you cancel at least 24 hours before it ends, in the same place.
• A premium group never renews. One payment covers the 90 days in §5.1, and nothing is charged again.

5.3 Coupons

We sometimes issue codes. A code lowers the price of Premium; it does not give Premium free of charge. The store you buy through applies the discount:

• On Android, entering a code makes a discounted price available in the app for a limited time, and Google Play charges it when you buy.
• On iPhone, a code is an App Store offer code. The app checks it and hands you to the App Store, where Apple shows you the offer and charges the discounted price.

What a code gives — the discount, the plan, and for how long — is shown before you pay. A code may work on only one of the two stores. Codes that gave a period of Premium free of charge are retired and are no longer honoured.

A code is not money, has no cash value, cannot be exchanged for one, and we may stop honouring a code that has been shared publicly or used fraudulently.

5.4 Your right to cancel, and refunds

If you are a consumer in the EU, the EEA or the UK you have a 14-day right of withdrawal on a digital purchase. How it applies depends on the store you bought through, because the store is the seller:

• Google Play. Because a subscription gives you access immediately, the right is lost once performance has begun with your express prior consent and your acknowledgement that you lose it — which is what the Google Play purchase flow obtains before it charges you.
• App Store. Apple sets out the right of withdrawal in its own Media Services Terms, which give customers in these countries 14 days to cancel an order, subject to the exceptions stated there. You exercise it with Apple, from the purchase history in your Apple Account.

In the United States there is no equivalent statutory cooling-off period for a digital purchase, so what you have is the store's refund policy — Google's or Apple's — which applies to you exactly as it does to everybody else, and which we will help you press.

Within the withdrawal period, and in every other case, refunds are requested from the store you bought through, and decided by it: from Google Play under Google's refund policy, or from Apple at reportaproblem.apple.com under Apple's. We do not hold your money and cannot refund it ourselves. If you believe you are entitled to a refund the store has declined, write to privacy@owemeapp.com and we will help you press it.

If a store refunds a purchase, the corresponding feature is withdrawn — a refunded premium group stops being premium.

Nothing here limits your statutory rights.

5.5 If you stop paying

Nothing is deleted. Your data stays exactly as it is; you simply stop seeing the parts the free plan does not include, and see them again if you resubscribe. Expenses outside the free plan's 90-day window are hidden, never removed, still counted into every balance, and always included in a CSV export — a window that stopped you taking your own data with you would make that promise a lie.

5.6 Free-plan limits

The free plan includes three groups, ever — not three at a time. Archived and deleted groups still count towards them; deleting a group does not return the allowance. This is stated in the app before you delete anything. A premium group does not count while it is premium. The free plan also caps a group at 300 expenses and 90 days of browsable history, includes three receipt scans a month (counted on your phone), and does not include the other premium features in §5.1.

Members per group are unlimited on every plan, and inviting somebody to join is free on every plan, always. We are not going to charge you for having friends, and we are not going to charge them for turning up.

Adding somebody who is not on OweMe — a name with no account behind it, split with like anyone else — is a premium capability: Premium gives it in every group, and a premium group gives it to everyone in that group rather than only to whoever paid. On the free plan, invite them to join instead.

One thing this never does: it does not touch a person already in a group. If a subscription lapses, everybody who is there stays there and every balance is untouched — the limit applies to adding the next one, never to unpicking the last. Removing somebody retroactively would not remove a person, it would break the arithmetic the rest of the group depends on.

6. What we ask of you

You are responsible for what you enter — expenses, amounts, notes, and the names of the people you add — and for having the right to enter it. OweMe does not check any of it.

Do not:

• Break the law with it, or use it to harass anybody.
• Try to read data from groups you are not in, or to reach another person's account.
• Attack the service — automated scraping, load testing, or attempts to bypass rate limits or payment verification.
• Resell or redistribute the service.

We may suspend an account that does these things. Where we can, we will tell you why first.

7. Availability

We aim to keep OweMe running and make no promise of a particular uptime. We may change or discontinue features. If we discontinue the service altogether, we will give 30 days' notice and keep CSV export working so you can take your data with you.

Offline mode keeps a copy of the groups it covers on your device, so a temporary outage does not stop you reading or recording anything in them.

8. Ending it

• You may delete your account at any time, in the app or at https://api.owemeapp.com/delete-account. §7 of the Privacy Policy describes exactly what is erased and what is kept.
• We may close an account that breaches §6.
• An unused account closes itself after six months, on the terms in §8.1.

Deleting your account does not refund a purchase; refunds are the store's — Google's or Apple's (§5.4).

8.1 Accounts nobody comes back to

An account that nobody signs into for six months is closed automatically. We email the address on the account first and wait a further 30 days, and simply opening the app in that window cancels it — there is nothing to click and nothing to reply to. An account with a live subscription is never closed this way, and neither is one that is merely quiet: the six months counts from the last time the account was actually used, not from when it was created.

Closure is the same thing as deleting the account yourself: the email address, name and sign-in details are erased, and the entries you made stay in the groups you shared them with, under your name, so that nobody else's balances change because you stopped using OweMe.

We hold this data because you asked us to hold it, and an account nobody has opened in half a year is no longer a request — keeping it indefinitely would be us deciding on your behalf that we should.

9. Liability

This section is deliberately conservative and is the one most worth having a lawyer read. In the EU you cannot exclude liability for death or personal injury caused by negligence, for fraud, or for statutory consumer rights — and an over-broad clause can be struck down in its entirety.

OweMe is provided as it is, and as available. To the extent the law allows:

• We are not liable for a financial loss arising from a disagreement about who owes what. OweMe records what people typed; it does not verify it, and the numbers are only as good as the entries.
• We are not liable for what other people do in OweMe — what another member enters, marks as paid, confirms or disputes.
• We are not liable for things we do not control: your phone or your connection, Google, Apple or the app stores, or events beyond our reasonable control.
• We are not liable for losing data you could have kept. Your data can be exported at any time (Privacy Policy §8.1), so keep a copy of anything that matters to you. This does not cover a loss caused by our own negligence.
• We are not liable for indirect or consequential loss.
• Where liability cannot be excluded, it is limited to the amount you paid us in the 12 months before the claim.
• A claim about OweMe must be brought within one year of when it arose.

If your use causes a claim against us. If you use OweMe unlawfully or in breach of §6, and somebody else makes a claim against us because of it, you are responsible for the loss that causes us — to the extent the law allows, and never for anything we caused ourselves.

We do not exclude or limit liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.

Some places do not allow parts of this to be excluded at all — several US states will not permit a blanket exclusion of incidental or consequential damages, and EU consumer law will not permit contracting out of statutory rights. Where that is so, the exclusion simply does not apply to you and the rest of this section stands.

Nothing here limits your statutory rights as a consumer.

10. Changes

We may update these terms. For material changes we will tell you in the app before they take effect. Continuing to use OweMe afterwards means accepting them; if you would rather not, delete your account.

11. Law and disputes

Talk to us first

If something goes wrong, write to privacy@owemeapp.com before starting any claim, say what happened and what you would like us to do, and give us 30 days to put it right. Most problems end there, and it is quicker and cheaper for both of us than a court.

This is a step before a claim, not a substitute for one. It does not stop an EU, EEA or UK consumer from going to the courts where they live or to the ODR platform, and the 30 days do not count against any time limit you have.

Which law, and which courts

These terms are governed by the law of Albania, and the courts of Tirana, Albania have jurisdiction.

That is where we are, and it is not a way of putting a dispute out of your reach. A choice-of-law clause does not override the consumer protections of the place you actually live, and we are not trying to make it do so:

• EU and EEA consumers keep the protection of the mandatory consumer-law rules of your own country, and the right to bring proceedings in the courts where you live. You may also use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr, though writing to us first is faster.
• UK consumers keep the mandatory rules of UK law and the right to sue in the UK courts.
• US consumers keep the consumer-protection statutes of your own state, and every right they give you to bring a claim there. Nothing in these terms waives one.

There is no arbitration clause here, and no class-action waiver. That is a deliberate omission rather than a gap somebody forgot to fill: we are not asking you to give up a court, a jury or the ability to join with other people. If that ever changes we will tell you before it takes effect, under §10, and you will be able to delete your account instead of accepting it.

For California residents

Under California Civil Code §1789.3, users of an electronic commercial service are entitled to this notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

OweMe's free plan costs nothing and its paid plans are priced in the app and charged by Google Play or Apple's App Store; §5 sets out what each one includes.

12. Contact

OweMe — privacy@owemeapp.com — Skanderbeg Square, 1001 Tirana