Terms of Service

What iowe does

iowe reads bills, lets people claim or share items, calculates their shares, and opens external payment links. iowe does not hold funds, transfer money, or verify transfers. “Marked as sent” means a guest reported sending a payment.

Groups maintain a record of shared costs and recorded settlements. Members can add, edit, or remove costs and record payments. Balances are calculations from those records, not money held in an iowe account or proof of a legal debt.

Accounts and eligibility

You must be at least 13 and meet the age requirements where you live. If you cannot agree to these terms on your own, you need a parent or guardian’s permission. Payment providers have their own eligibility requirements. Hosts sign in and provide a display name and payment handle; guests can claim without an account.

Keep your sign-in access secure. Use accurate payment details and check the recipient before sharing a link or sending money.

Review the bill and payment

Automated extraction can make mistakes. Check the items, prices, tax, tip, and total before relying on a split. Shares may change when someone joins or edits a shared item. Agree with your group about corrections and payments already sent.

Transfers happen in Venmo, Cash App, PayPal, or Zelle through your bank under that provider’s terms. The provider handles fees, exchange rates, limits, refunds, and disputes. iowe cannot reverse transfers or resolve disagreements about who owes what.

Group currency conversions use reference rates for the selected date or an available prior business day. They may differ from a card statement or the rate applied when you send money. Check the converted amount with your group. A recurring cost adds a ledger entry each month; it never charges an account or sends money.

Content and shared links

You keep ownership of what you submit and permit us to store, process, and display it to operate the service. Submit only material you have permission to share. Do not include passwords, full card numbers, or sensitive information unrelated to the bill.

Anyone with a valid claim link can access the split and make claims. Links can be forwarded, and messaging services may cache previews. See the Privacy Policy for processing details.

Personal group links give their holder access to shared costs and the named person’s settlement actions. Send them only to the intended person. Only add people and share payment details you have permission to use.

Acceptable use

Do not impersonate others, falsify payment confirmations, deceive people, access accounts or receipts without permission, or interfere with the service.

No tolerance for objectionable content or abusive users. Names, usernames, notes, group names and anything else you add must not contain hate speech, slurs, harassment, threats, sexual content or other objectionable material, and you must not use iowe to bully, harass or abuse anyone. iowe filters objectionable words, and you can report or block any user in the app. We review reports within 24 hours, remove offending content, and suspend or delete the accounts of users who break these rules.

Availability and responsibility

The service may change or become unavailable. We do not promise uninterrupted access or error-free extraction. To the extent permitted by law, the service is provided as available, without warranties, and we are not responsible for indirect losses arising from its use. Nothing in these terms excludes rights or liability that cannot lawfully be excluded.

Leaving iowe

You can sign out or delete your account in Account. Deletion removes saved receipts and claim links from our active systems. It does not cancel debts between people or reverse payments.

Changes and contact

We update the date when these terms change and provide notice of material changes when required. Questions or support: edward@sebre.ai, or see Support.