About these Terms
These Terms of Use (“Terms”) govern your use of the Owed app, published by Symphonic Grow (“we”, “us”). By downloading or using the app you agree to these Terms. Apple's standard Licensed Application End User License Agreement also applies; where these Terms are stricter, these Terms control.
1. Owed is an information service — not legal advice
Owed curates publicly available information about class-action settlements: who may be eligible, estimated payouts, proof requirements, filing methods, and deadlines. This information is provided for general reference only. Owed is not a law firm, does not provide legal advice, and using the app creates no attorney–client relationship. Nothing in the app is a recommendation to file or not file any particular claim. If you need legal advice about a settlement or your rights, consult a licensed attorney.
2. We do not file claims
The app links you to official settlement websites operated by court-appointed claims administrators. You file every claim yourself, directly with the administrator. We are not a party to, and have no involvement in, any claim you submit. We take no fee, cut, or commission from any payout you receive.
3. Accuracy — verify before you rely
Settlement terms change: deadlines get extended or cut short, administrators stop accepting claims early, payout estimates shift with claim volume, and websites move. While we verify entries against official settlement websites when curating the dataset, we do not guarantee that any information in the app is accurate, complete, or current. Always verify eligibility, deadlines, and terms on the official settlement website before filing. You use the information in the app at your own risk.
4. Your responsibilities when filing
Claim forms are typically submitted under penalty of perjury. You are solely responsible for ensuring that any claim you file is truthful and that you actually meet the eligibility requirements. Filing false claims is unlawful and harms legitimate class members. We are not responsible for claims you file, including denied claims or any consequences of inaccurate submissions.
5. No affiliation
We are not affiliated with, endorsed by, or acting on behalf of any settlement administrator, court, law firm, or defendant mentioned in the app. All company and settlement names are used solely to identify the relevant settlements.
6. Reminders are a convenience, not a guarantee
Deadline notifications depend on your device settings, notification permissions, and iOS behavior outside our control. Do not rely on the app as your only means of tracking a deadline. We are not liable for missed deadlines or forfeited claims, whether or not a reminder was delivered.
7. Owed Pro subscription
Owed Pro is an auto-renewing yearly subscription purchased through your Apple App Store account. Payment is charged to that account at confirmation of purchase; the subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Refunds are handled by Apple under Apple's policies.
Prices may change for future renewal periods with notice through the App Store. The free tier's scope (currently the three soonest-closing settlements) may change.
8. Acceptable use
You may not scrape, resell, or redistribute the app's curated dataset, misrepresent the app as a filing service, or use the app for any unlawful purpose.
9. Disclaimer of warranties
The app and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, and non-infringement. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.
10. Limitation of liability
To the maximum extent permitted by law, Symphonic Grow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost payouts, missed deadlines, denied claims, or lost data, arising from your use of the app. Our total aggregate liability for any claim relating to the app is limited to the amount you paid us for the app in the twelve months preceding the claim.
Nothing in these Terms excludes liability that cannot be excluded under applicable law, including your rights under applicable consumer-protection law.
11. Changes and termination
We may update the app, the dataset, or these Terms at any time; the current Terms will always be posted at this address with their effective date. We may discontinue the app or any feature with reasonable notice. If you breach these Terms, we may suspend your access to app features to the extent technically applicable.
12. Governing law
These Terms are governed by the laws of India, without regard to conflict-of-law rules, except where the mandatory consumer-protection law of your country of residence provides otherwise.
Contact
Questions? Email contact@symphonicgrow.com.