Terms of service

Last updated 2 September 2026

Operator note. This document describes exactly how the software behaves and is written to be readable rather than impressive. Before running this service commercially, insert your legal entity name, registered address, contact email and governing jurisdiction below, and have a lawyer in your jurisdiction review it.

1. What this service is

Who Owes Me? (“the Service”) is a personal record-keeping tool for tracking money you have lent to or borrowed from other people. It is a notebook with arithmetic. It is not a bank, a lender, a payment processor, a debt collector, or a provider of financial, legal or tax advice.

The Service does not move money, does not contact anyone on your behalf automatically, and creates no legal relationship between you and the people you record. A record in the Service is not a contract and is not evidence of a debt.

2. Your account

You need a valid email address and a password to use the Service. You must be old enough to form a binding contract where you live.
You are responsible for keeping your password confidential and for everything that happens under your account.
One account is for one person. Do not share credentials.
Tell us promptly if you believe someone else has accessed your account.

3. Free trial

New accounts get a 14-day free trial with every feature enabled. We do not ask for payment details to start the trial and nothing is charged when it ends.

When the trial ends, your account becomes read-only: you can still sign in, read everything you recorded and export it, but you cannot add or change records until you subscribe.

4. Subscription and payment

The Pro plan costs $5 per month, charged in advance, and renews automatically each month until you cancel.
You can cancel at any time from your account page. Cancellation takes effect at the end of the period you have already paid for — you keep full access until then, and you are not charged again.
We do not pro-rate or refund partial months. The trial exists so you can evaluate the Service before paying anything.
If a payment fails we will keep your access open for a short grace period and ask you to update your card. If it stays unpaid, the account becomes read-only.
If we change the price, we will tell you before it applies to you, and you can cancel instead.

Card details are handled by our payment provider and never reach our servers. We store only what we need to manage your subscription: a customer reference, the subscription status, and the brand and last four digits of the card.

5. Your data

The records you create are yours. We store them so we can show them back to you and sync them across your devices. We do not sell them, mine them for advertising, or share them with the people named in them.

You can export everything as JSON or CSV at any time, including after your subscription ends. You can delete your account from the account page, which permanently removes your records from our systems.

See the privacy policy for the full detail.

6. Acceptable use

Do not use the Service to:

harass, threaten or intimidate anyone, including through reminder messages composed here;
run a lending, debt-collection or credit-reporting business;
store data about people that you have no lawful reason to hold;
break the law, infringe anyone's rights, or attempt to breach the security of the Service or other accounts;
resell, sublicense or scrape the Service.

The reminder feature composes a message and hands it to you. You choose whether to send it, to whom, and how. What you send is your responsibility.

7. Availability

We aim to keep the Service running and to keep your data safe, but we do not promise uninterrupted availability. We may take it down for maintenance, and we may change or remove features. If we make a significant change that materially reduces what you paid for, you can cancel and we will refund the unused part of the current month.

Keep your own backups. The export button exists for this reason.

8. Ending the agreement

You can stop using the Service and delete your account at any time. We may suspend or close an account that breaches section 6, that we are legally required to close, or that is being used to harm others — normally with notice, and immediately if the harm is serious.

9. Liability

The Service is provided as-is. To the extent the law allows, we are not liable for indirect or consequential loss, for money you fail to recover from another person, for decisions you take based on what the Service shows you, or for loss of data you did not export. Nothing here limits liability that cannot legally be limited, including for death, personal injury or fraud.

Where we are liable, our total liability is limited to the amount you paid us in the twelve months before the claim.

10. Changes to these terms

We may update these terms. If a change materially affects you, we will tell you by email or in the app before it takes effect. Continuing to use the Service after that means you accept the updated terms.

11. Governing law and contact

These terms are governed by the laws of [insert jurisdiction], and the courts of [insert jurisdiction] have exclusive jurisdiction.

Questions about these terms: [insert contact email].

Plain-English summary, which does not replace the above: it is a notebook, not a bank. You get 14 days free with no card. After that it is $5 a month and you can cancel in one click. Your records are yours, you can export or delete them whenever you like, and we do not show them to anyone else.