Terms of Service

1. Introduction

Welcome to OweMe ("Service", "we", "us", or "our"), operated by OweMe Inc. By accessing or using https://oweme.app, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Definitions

• "User": Any individual who accesses or uses OweMe
• "Content": All information, data, and materials uploaded or shared through OweMe
• "Premium Features": Additional functionality available through paid subscription

3. Account Registration and Security

3.1. Account Creation

• You must provide accurate, current, and complete information
• You must be at least 18 years old to use the Service
• One account per user; accounts are non-transferable

3.2. Account Security

• You are responsible for maintaining account confidentiality
• You must notify us immediately of any unauthorized access
• We reserve the right to disable compromised accounts

4. Service Description and Usage

4.1. Basic Features

• Track personal debts and loans
• Manage contacts
• View transaction history

4.2. Premium Features

• Advanced reporting
• Unlimited transaction history
• Priority support
• Additional features as described in subscription plans

5. Subscription and Payments

5.1. Payment Terms

• Premium features require paid subscription
• Payments processed through Stripe
• Prices are subject to change with notice
• All fees are non-refundable unless required by law

5.2. Subscription Cancellation

• Cancel anytime through account settings
• No partial refunds for unused periods
• Access continues until billing period ends

6. User Responsibilities

6.1. Acceptable Use

• Provide accurate transaction information
• Respect privacy of other users
• Use service for personal debt tracking only

6.2. Prohibited Activities

• Fraudulent debt entries
• Harassment or intimidation
• Commercial debt collection
• Illegal activities
• Multiple account creation

7. Disclaimers and Limitations

7.1. Service Disclaimer

• Service provided "as is" without warranties
• We are not responsible for user disputes
• Not a substitute for professional financial advice

7.2. Limitation of Liability

• Not liable for user disputes
• Not responsible for lost or inaccurate data
• Maximum liability limited to subscription fees paid

8. Termination

8.1. Account Termination

• We may terminate accounts for Terms violations
• Users may terminate accounts at any time
• No refunds upon termination

9. Changes to Terms

• We reserve the right to modify Terms
• Users will be notified of significant changes
• Continued use constitutes acceptance

10. Governing Law

• Governed by California law
• Disputes resolved in California courts
• Users agree to jurisdiction