Terms and Conditions

1 Who we are and how you accept these Terms

These Terms and Conditions (the "Terms") are a legal agreement between you and Palmora Technologies LLC, a limited liability company (LLC). In these Terms, "we", "us", or "the Developer" means Palmora Technologies LLC. The Terms cover the OweMe app for iPhone (the "App"), including beta versions of the App delivered through Apple's TestFlight. Our contact details are in section 21.

The App does not display these Terms or ask you to tap "I agree". You accept these Terms and the Privacy Policy by downloading, installing, or using the App. The current Terms are always published at https://owe-me.app. Where these Terms are the App's license agreement in the App Store (see "Custom license agreement" below), they are also linked from the App's App Store page. In the App, a "Privacy Policy" link at the bottom of the Account screen opens the Privacy Policy, which links to these Terms, in every version of the App from [first App version whose Account screen shows the link, normally 1.0.0] onward; earlier builds show no link. The version of these Terms that applies to you is the one in force for the version of the App you are using, as the change log in section 20 shows; the App shows its version at the bottom of the Account screen. If you do not agree, do not use the App, and delete it from your iPhone.

Apple is not a party

These Terms are concluded between you and us only, and not with Apple Inc. or any of its subsidiaries ("Apple"). We, not Apple, are solely responsible for the App and its content. The Apple Media Services Terms and Conditions also govern your download of the App from the App Store, and nothing in these Terms gives you usage rights that conflict with them. Apple and its subsidiaries are third-party beneficiaries of these Terms, as section 22 explains.

Custom license agreement

These Terms are the App's license agreement in the App Store: a custom end user license agreement, as that term is used in Apple's Licensed Application End User License Agreement. We apply them in App Store Connect to every country and region where the App is offered, where they replace Apple's Standard End User License Agreement and apply together with the Apple Media Services Terms and Conditions. If, in your country or region, the App Store nevertheless shows Apple's Standard End User License Agreement for the App, that agreement governs your license and these Terms apply in addition to it, to the extent they do not conflict with it.

2 What OweMe is, and what it is not

OweMe is a personal record-keeping tool. You use it to write down money that other people owe you: one-time amounts, recurring charges you pay and pass on to someone (a shared streaming subscription, a phone line), and items you paid for that someone repays you in installments. You record the people, the amounts, the dates, and the payments you receive. The App adds them up and shows you what is pending.

What the App does not do

• It does not lend money, extend credit, hold funds, move money, or process payments. Marking something as paid changes a record in the App and nothing else.
• It does not connect to any bank, card, wallet, or payment service. "Zelle" and "Cash" in the App are labels you attach to a payment you say you received. The reminder message template ends with the word "Zelle" as a suggested way to pay; the App has no connection to Zelle or to any other payment network.
• It does not collect debts, contact anyone on your behalf, or report anything to anyone.
• It does not calculate interest, fees, or late charges. An installment is simply the total divided by the number of installments, rounded to the cent.
• It does not give financial, legal, tax, or debt-related advice. Nothing shown in the App, including totals, due dates, reminders, and the "Owed to you" figure, is advice.
• It shows all amounts in US dollars (USD) only.

Words such as "Financing", "Collection Day", and "collection rate" in the App are the names of record types, screens, and figures. They describe how you record an arrangement you already have with someone; they are not financing, credit, or collection services offered by us.

Your records are not proof of debt

Every entry in the App is typed by you and is never checked by us or by the App. A record in OweMe is not a contract, invoice, receipt, promissory note, statement of account, or evidence that any debt exists or is enforceable. We are not a party to, and not a witness of, any arrangement between you and the people in your ledger. Whether you may lend money to others, charge interest, or pursue repayment, and how, is a matter for you and the law that applies to you.

3 Your license to use the App

Scope

We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on any Apple-branded device that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. Other Apple Accounts linked to yours through Family Sharing or volume purchasing may also download and use the App.

Restrictions

Except where applicable law expressly allows it, you may not:

• copy the App other than as this license and the Usage Rules permit;
• modify, translate, adapt, or create derivative works of the App;
• distribute, sell, rent, lease, lend, or sublicense the App;
• reverse engineer, decompile, disassemble, or otherwise try to obtain the source code of the App;
• remove or alter any copyright, trademark, or other proprietary notice in the App;
• use the App in any way that breaks the law.

What we own and what you own

We own the App, including its software, design, text, icons, and graphics, and copyright and other intellectual-property laws protect it. We reserve all rights not expressly granted to you. This license does not cover, and we claim no rights in, (a) the content you enter into the App, which remains yours (section 6), and (b) the third-party logos and app icons the App displays at your request, which remain the property of their owners (section 10). The App does not bundle any third-party software libraries.

4 Eligibility and age

To use the App you must be at least 18 years old, or the age of legal majority where you live if that is higher, and legally able to enter into a contract. The App tracks money and other people's contact details and is not intended for children. We do not knowingly allow anyone under 18 to use it, but the App does not verify your age. If you are the parent or guardian of a child who has installed the App, delete it from the child's iPhone; the Privacy Policy explains what that removes.

5 Price, OweMe Pro, and subscriptions

What is free

The App is free to download and contains no advertising. Without paying anything you can keep a ledger of up to two people and up to five active debts, with every kind of record, payment, card, reminder, and reminder message, and you can always restore and delete your data. Every person in the ledger counts toward the two, archived people included; deleting a person frees a place. An active debt is a record that is still open: a "Financing" plan not yet paid in full, a "Recurring" plan that is on (its "Active" switch in "Edit Plan" is on, that is, the plan is not paused), or a "One-Time" record not marked as paid. The five are counted across all your people together. A financing plan paid in full, a paused recurring plan, a paid one-time record, and the records of archived people do not count.

What the free limits stop

The limits only stop you from adding. While the ledger holds two or more people, you cannot add another person. While it holds five or more active debts, you cannot add a record that opens a new debt, turn a paused recurring plan back on, mark a paid one-time record as unpaid (with the "Mark as unpaid" swipe on its payment or the "Paid" switch in "Edit Record"), or reopen a financing plan that is paid in full (with a change in "Edit Record" that leaves money owed on it, or by deleting one of its payments). When you try, the App opens the "OweMe Pro" screen and says which limit was reached. Recording a payment, closing a debt (paying a plan in full, pausing a recurring plan, marking a record as paid), deleting a record or a person, and every other edit or correction are never blocked. The App never shows the "OweMe Pro" screen by itself when it starts: it appears only when a limit is reached, when you tap a Pro feature, or when you open the "OweMe Pro" card in Account.

What OweMe Pro adds

OweMe Pro is an optional purchase made inside the App. In this version it does three things: it removes both free limits (you can keep any number of people and of active debts), it lets you turn on the "iCloud Sync" switch in Account, and it opens "Collection Day". The "OweMe Pro" screen in the App always lists what Pro includes at that moment. We may add features to Pro, and we may make a Pro feature free. Nothing you have already entered is hidden, locked, or deleted because you have not paid, because a subscription ended, or because a purchase was refunded.

Three ways to buy it

• "Monthly" is a subscription that renews automatically every month until you cancel it.
• "Yearly" is a subscription that renews automatically every year until you cancel it.
• "Lifetime" is a one-time purchase. It is not a subscription, it does not renew, and there is nothing to cancel. Section 12 explains what "lifetime" means.

"Monthly" and "Yearly" belong to one subscription group, so you can have only one of them at a time. To switch from one to the other, use your Apple Account subscription settings ("Manage Subscription" on the "OweMe Pro" screen opens them); Apple decides when the switch takes effect and whether you get a prorated refund for the unused part of the current period. When a free trial is offered for a subscription, the "OweMe Pro" screen says so and for how long; Apple decides who is eligible, normally once per Apple Account, and the screen shows a trial only when Apple says your Apple Account is eligible.

The price in your currency, the length of the subscription, and any free trial are shown on the "OweMe Pro" screen and again on Apple's payment sheet before you confirm. The screen takes every price from Apple: it marks "Yearly" as "Best Value" together with roughly what its price comes to per month, worked out from that same price, and shows "Lifetime" as a single payment. Apple adds or includes any tax according to the rules of your App Store country or region. Prices can differ between countries and can change; a change never affects a "Lifetime" purchase already made, and for a subscription Apple tells you in advance of a price increase and, where the law or Apple's rules require it, asks for your consent, without which the subscription ends instead of renewing.

How a subscription is charged and cancelled

• Payment is charged to your Apple Account when you confirm the purchase or, if you start with a free trial, when the trial ends, unless you cancel at least 24 hours before it ends.
• The subscription renews automatically for another period of the same length (a month for "Monthly", a year for "Yearly"), at the price then in effect, unless you cancel at least 24 hours before the end of the current period. Apple charges the renewal within the 24 hours before that period ends.
• You manage and cancel the subscription in your Apple Account settings: in the iOS Settings app tap your name, then "Subscriptions"; or use "Manage Subscription" on the "OweMe Pro" screen, which, while a subscription is active, shows your plan and that button instead of the plans. We cannot cancel it for you.
• After you cancel, Pro stays on until the end of the period you already paid for. There is no refund for the rest of a period, except where Apple grants one or the law requires one.
• Deleting the App does not cancel a subscription.
• Buying "Lifetime" does not end a "Monthly" or "Yearly" subscription that is still running. Cancel the subscription yourself so that it does not renew.

Purchases are made through Apple

Every purchase is made through Apple's App Store with your Apple Account, under the Apple Media Services Terms and Conditions. Apple charges you, sends the receipt, and handles billing questions, cancellations, and refund requests; we never see your payment details and cannot issue a refund ourselves. To ask for a refund, go to reportaproblem.apple.com or contact Apple Support. If the law where you live gives you a right to withdraw from a purchase (for example within fourteen days in the European Union and the United Kingdom), you exercise it with Apple in the same way, and Apple's terms explain when that right ends for digital content you have started to use. Nothing in this section limits a right that mandatory consumer law gives you.

A purchase belongs to the Apple Account that made it, not to one iPhone. On a new or reset iPhone, or after reinstalling the App, tap "Restore Purchases" at the bottom of the "OweMe Pro" screen; restoring is free. If Apple finds no purchase, the screen says so; if Apple cannot be reached, it says that instead, and a purchase already on your iPhone keeps Pro on. If a purchase needs someone's approval ("Ask to Buy") or an extra step from your bank, Pro turns on when Apple confirms it. Where the App Store shows that a purchase supports Family Sharing, the members of your family group can use it under Apple's rules. We have no accounts, so a purchase cannot be moved to a different Apple Account or to another platform.

When Pro ends

Pro ends when a subscription expires without renewing, or when Apple refunds or revokes a purchase. A cancelled subscription keeps Pro on until the end of the period already paid for. Nothing you have already entered is hidden, locked, or deleted: you can still see, edit, restore, and delete your whole ledger, record payments, and close debts, including people and active debts beyond the free limits. What changes is that you cannot add another person while the ledger holds two or more; you cannot add a new active debt, turn a paused recurring plan back on, mark a paid one-time record as unpaid, or reopen a financing plan that is paid in full while it holds five or more active debts; "Collection Day" no longer opens; and iCloud Sync can no longer be turned on. If iCloud Sync is already on when Pro ends, this version of the App leaves it on; a later version may turn it off, which stops new uploads and deletes nothing (section 6). Buying or restoring Pro brings everything back.

Data charges from your carrier or internet provider are your responsibility.

6 Your ledger: ownership, storage, backups, and iCloud

It is yours

Everything you enter in the App (people, records, payments, cards, notes, photos, and your profile) is your content. You own it. We claim no rights in it, we never receive a copy of it, and we cannot read, restore, correct, or delete it for you.

Where it lives

Your ledger is stored on your iPhone, inside the App's private storage. There is no OweMe server and no account. If you turn on iCloud Sync in Account, under "iCloud & Data", which needs OweMe Pro (section 5), a copy is stored in the private iCloud database of your own Apple Account. Restoring from iCloud on the Welcome screen ("Restore from Backup") is free and downloads that copy; iCloud Sync stays on afterwards only with OweMe Pro. iCloud Sync is off by default. The Privacy Policy describes exactly what is uploaded.

Backups are your responsibility

You are responsible for keeping copies of your ledger. You have two ways to keep a copy, plus an internal safeguard you cannot open yourself. Your normal iPhone backup (iCloud Backup or a computer backup) includes the ledger, photos, and the App's automatic safety copies. iCloud Sync keeps a copy in your own iCloud. The App cannot export your ledger to a file or import one. As the internal safeguard, before iCloud's copy replaces the ledger on your iPhone, the App tries to write an automatic safety copy inside its private storage. It keeps the newest five, plus up to three copies of a ledger it could not read, set aside rather than overwritten. A copy that cannot be written (for example because your iPhone is full) is skipped, not retried, and the replacement still goes ahead. These copies are not visible in the Files app and are described in the Privacy Policy, section 10. You cannot view or restore them from inside the App today; they can only be recovered from a computer backup of your iPhone with third-party tools, or by a future version of the App that exposes them. We are not responsible for loss of data caused by a lost or broken iPhone, an iOS update, deleting the App, iCloud problems, or a deletion you confirmed. If the App itself loses data through a defect, tell us; section 14 sets what we owe you.

iCloud Sync: what to expect

• iCloud is Apple's service. Your use of it is governed by the Apple iCloud Terms and Conditions. Apple, not us, decides its availability, storage limits, encryption, data-center locations, and what happens if your Apple Account is closed.
• Sync needs an iPhone signed in to iCloud, an internet connection, and free space in your iCloud storage quota. The OweMe copy counts against that quota. If your iCloud storage is full, the App cannot upload and tells you so; nothing on your iPhone changes. If iCloud is restricted on your iPhone (for example by parental controls or a device-management profile), the App cannot sync.
• Sync runs only in the foreground: when you open the App, when you return to it, at the moment you leave it (one last upload), and a few seconds after an edit. The App never runs in the background, and there is no push notification. Changes made on one iPhone appear on another only after the App has been opened on both.
• Sync connects only devices signed in to the same Apple Account. It is not a way to share a ledger with another person.
• The App never merges two ledgers on its own. It stops and asks you what to do (for example "Two Copies of Your Data" or "Upload Paused") in three cases: it finds a ledger in iCloud that differs from the one on your iPhone; the iPhone has switched to a different Apple Account; or an upload or download would remove more than a quarter of a list and more than ten rows from it, the whole ledger, or your name. Smaller removals are applied without a question. Read those questions carefully; your answer decides which copy survives. The safety copy the App tries to write protects this iPhone's ledger only: if you answer "Keep This iPhone", the copy in iCloud is replaced and no copy of it is kept anywhere. If you are unsure which copy is newer, tap "Not Now": nothing is replaced until you choose, and the question shows how many people, records, payments, and cards this iPhone holds and how many iCloud held when the App last checked. An iPhone backup made first (iCloud Backup or a computer backup) keeps this iPhone's ledger; nothing keeps a copy of the one in iCloud.
• Apple encrypts data stored in iCloud in transit and on its servers. Under standard iCloud data protection, Apple holds the encryption keys. Only if you turn on Advanced Data Protection for iCloud on your Apple Account are the keys held only by your own trusted devices (end-to-end encryption). Under either setting, iCloud's own record metadata (the names of the records and fields, the format markers, and the timestamps iCloud keeps for when each record was created and last changed) remains accessible to Apple and is not protected by the record's end-to-end encryption.
• We have no access to your iCloud data. Apple's CloudKit does not give app developers access to users' private databases.
• Turning iCloud Sync off stops new uploads. It does not delete the copy already in iCloud.
• Deleting the App from your iPhone removes the ledger on that iPhone. It does not delete the copy in iCloud. To remove that copy you have two options. In the App, use "Delete Data" in "iCloud & Data" and choose "iCloud Copy Only" or "Everywhere", then confirm on the next screen. If you have deleted the App, reinstall it and reconnect it to the copy first: on the Welcome screen choose "Restore from Backup", then "Restore". If you already finished setup on the reinstalled App, turning on "iCloud Sync" in Account (which needs OweMe Pro; the Welcome screen route above and the iOS Settings route below do not) reconnects it in the same way: the App downloads the iCloud copy and, because this iPhone already holds your name, asks "Two Copies of Your Data" first (choose "Use iCloud's Copy"). A freshly installed App that has not been reconnected offers only the local "Delete Data" button. Or in the iOS Settings app, tap your name, then "iCloud", then "Manage Storage" (Apple's wording varies by iOS version), find OweMe, and delete its data. If an in-app deletion of the iCloud copy fails, the App says so and retries it by itself the next time you open the App.

7 Accuracy of entries and calculations

The App displays and totals what you type. It cannot know whether an amount, a date, a name, or a payment is right. You are responsible for the accuracy of your entries, and for checking any figure before you rely on it, quote it to someone, or act on it.

The App's calculations follow fixed rules that may not match your own arrangement with a person. In particular:

• A financing installment is the total divided by the number of installments in the term, rounded to the cent. Unless you choose another schedule, the first installment is due on the first day of the month after the purchase date, and each following installment on the first day of the next month. You can instead choose how the installments repeat and the date of the first installment. A repeat rule counts every so many days, weeks, months or years and can fall on chosen days of the week, on chosen days of the month (a day past the end of a shorter month falls on its last day), on a position in the month such as the last Friday or the first weekday, or in chosen months of the year; without such a choice it keeps the weekday or the day of the month of the first installment. The first installment is the first date on or after the date you choose that fits the rule, and each following installment is the next date the rule produces. The due date advances one installment for each full installment your recorded payments add up to; a payment smaller than an installment does not move it until later payments complete that installment.
• A recurring plan's next due date moves forward one cycle (the plan's frequency: for example a week, two weeks, three days, a month, or a year) each time you record a payment, and back one cycle if you delete that payment, unless the payment was recorded before you changed the plan's frequency in "Edit Plan", in which case deleting it leaves the date where it is. A plan that charges more than once a month is collected once a month for all the charges that fall in that month, and a plan that charges less often is collected in the month it charges. Plans that repeat by months or years keep the day of the month you chose, adjusted for shorter months, so a yearly plan due on February 29 is due on February 28 in other years and on February 29 again in leap years; a plan saved by an older version of the App that did not record that day keeps the day of its previous due date instead until you edit its due date. When you turn a paused plan back on with the "Active" switch in "Edit Plan" and its next due date has already passed, the date moves to the plan's first cycle on or after that day, so the cycles that fell while it was paused are not counted as owed or shown as "Overdue"; if you pick a date in the "Next Due Date" row yourself, that date is kept.
• A one-time record is "Due" until you mark it "Paid". Its own page never calls it overdue, but once its date has passed, the "Calendar" tab shows it as "Overdue" on that date until you mark it "Paid".
• "Pending" and "Owed to you" count: every unpaid one-time amount dated on or before the end of the current month (earlier ones included); for each active recurring plan, the cycles its schedule places in the current month, or one cycle if the plan is overdue from an earlier month and has no cycle this month (missed cycles from earlier months are never added on top); and, for each financing plan, what is still unpaid of the installments its schedule makes due by the end of the current month, counted from the first installment (so a plan on the default schedule owes nothing in the month of purchase). The amount recorded as paid on a plan covers its installments in order, oldest first, so an installment missed in an earlier month stays in the total until it is paid, and an installment paid ahead of time is not asked for again when its month comes.
• The reminder message and "Collection Day" list what falls due in the current month (the month in which you prepare the message), counted the same way as "Pending": each active recurring plan for the unpaid cycles its schedule places in that month, or one cycle if the plan is overdue from an earlier month and has no cycle this month (missed cycles from earlier months are never added on top); each financing plan for the same amount as "Pending" (what is still unpaid of the installments due by the end of that month, with the installments it covers named after the product, such as "(1-2/12)"), so an installment already paid, this month or ahead of time, is not listed; and every unpaid one-time record dated before the end of that month (a charge dated in a later month waits for its own month).
• There is no interest, fee, penalty, or currency conversion. All amounts are in USD.

Due dates, "Overdue" labels, reminders, charts, and the collection rate (the share of amounts due that you have recorded as received) are informational. They do not create, change, or prove any obligation. If a figure in the App disagrees with what you and the other person agreed, your agreement, not the App, is what counts.

8 Other people's information and messages you send

Information about others

Your ledger contains information about other people: their names, phone numbers, email addresses, photos, notes you write about them, and what they owe you. You decide what to record, and you alone are responsible for it. Keep only what you need to track the arrangement, keep it accurate, and delete a person when you no longer need the record. Please do not write down sensitive details such as health, religion, or ID numbers. Keeping a personal record of money friends or family owe you is normally your private business and not regulated; if you use the App for business, the next paragraph applies. If a person asks you to correct or delete what you keep about them, use "Edit Profile" or "Delete Person" on their page. With iCloud Sync on, their photo stays in your iCloud copy until you delete or refresh that copy; the Privacy Policy explains how.

If you use the App for business, professional, or commercial purposes, for example as a landlord, a club treasurer, or someone who lends money as a trade, you act as the business responsible for that information, and privacy, consumer-credit, licensing, record-keeping, and tax laws may apply to you. The App is a tool. We hold none of your data and provide no data-processing service to you.

Messages you send

The App can prepare a reminder message for a person. When you tap the message button on a person's page (announced as "Send reminder" by VoiceOver), or a person's button in "Collection Day" (part of OweMe Pro, section 5), the App shows Apple's Messages compose screen inside the App. The person's stored phone number is filled in as the recipient, or their email address if you stored no number (the field is left empty if you stored neither), along with a pre-written message. That screen belongs to iOS; the App cannot read what you change in it. The template is fixed in this version, is partly in Spanish, and ends with the word "Zelle"; the Privacy Policy, section 8, shows exactly what it says. You can edit or delete any of it in the compose screen, and nothing is sent until you press Send. Every reminder is prepared for one person at a time; there is no send-to-everyone option. The message travels through your carrier or iMessage, not through us. If your iPhone cannot send text messages, the App copies the text to the clipboard instead. "Copy Amount Owed" places the same text on your clipboard (which iOS may share with your other Apple devices); "Export / Share Summary" opens Apple's share sheet with a short balance summary, and you choose where it goes.

You are responsible for every message you send, for choosing to send it, and for its content. Use reminders respectfully and lawfully. Do not use the App to harass, threaten, intimidate, or repeatedly contact anyone, and follow the laws that apply to debt-related communications where you and the recipient live, including any rules for businesses that collect money. The App never sends messages, notifications, emails, or anything else to the people in your ledger on its own, and it never tells them that they are in your ledger.

9 Device permissions

The App works without any permission. Each permission below is optional and can be declined.

• Contacts. Used to let you pick a person from your address book instead of typing and, while "Contact Photos" is on in Account, under "Options", to show the people in your ledger with the photo their contact has today. To add a person, the App shows Apple's contact picker; only the contact you tap is copied (name, first phone number, first email address, and photo). For photos, the App asks Contacts only about people already in your ledger (by phone number, email address, or name) and keeps a reduced copy of the photo on your iPhone, outside your ledger and your iCloud; the Privacy Policy, section 5, has the details. The App never lists, uploads, or messages your contacts. You can always add a person by hand with "Add manually". Change access in the iOS Settings app under "Privacy & Security", then "Contacts".
• Photos. The App uses Apple's photo picker to let you choose one image as your own photo or a person's photo. The picker needs no permission and hands the App only the image you tap. The App saves a reduced copy inside its private storage.
• Notifications. If you allow them, during setup or later, the App schedules local reminders on your iPhone: for each open financing or recurring plan (none for one-time records), at 9:00 in the morning on the plan's next due days that are today or later, up to twelve for each plan and sixty in all (iOS limits pending notifications), naming the person and the amount, with the default notification sound. These reminders may appear on your lock screen. Nothing is sent from any server. You can turn them off in the iOS Settings app under "Notifications", then "OweMe" (or under "Apps", then "OweMe"); once iOS has asked, the "Notifications" row in Account opens the App's page in iOS Settings, where "Notifications" is one tap away. If you declined the iOS prompt, you can allow notifications there later; the App notices the change when you return to it. If iOS has never asked, because you restored a backup on the Welcome screen ("Restore from Backup"), which skips the notification and Contacts prompts, tapping the "Notifications" row in Account shows the iOS prompt instead.

Details of what each permission reads and stores are in the Privacy Policy.

10 Third-party services, logos, and trademarks

Logo lookups

To show a recognizable logo on a record or on a saved card, the App can look one up. For a recurring charge it uses the charge's "Title" and, only if the title finds no logo, its "Store / Provider"; for a Financing or One-Time record it uses the store, never the product name or the title; for a card it uses the card's name. First it sends that text to Apple's public App Store search service (the iTunes Search API), and a matched App Store icon is downloaded from Apple's image servers; when a store or a card's name matches the App's built-in list of retailers, banks, card issuers, and payment services, the App sends that list's own name instead of the text you typed. If that produces no icon (no confident match, an icon that could not be downloaded, or text too short to search), the App checks the text against its built-in tables: a few dozen well-known brands, some matched by ordinary single words such as "drive", "prime", "dish", or "steam", so an unrelated title can match, and that list of retailers, banks, card issuers, and payment services. If an entry matches, it sends that entry's website domain (for example netflix.com, never the text you typed) to Google's public favicon service. This happens automatically, without a separate confirmation, and there is no setting to turn it off: after a short pause while you type in "New Record", "Edit Plan", or "Edit Record"; as "Edit Plan" opens for a plan that has no logo yet, or "Edit Record" for a record that names a store; whenever a Financing or One-Time record that names a store is shown and your iPhone has no answer for that store yet; and, for cards, after a short pause while you type a card's name in "Add Card" or "Edit Card", and whenever a card is shown in "Cards" or "Select Card" and your iPhone has no answer for its name yet. If a logo file is later missing from your iPhone, for example after you restore onto a new iPhone, the App downloads it again from Apple or Google when the record or card is shown. If you choose an icon yourself, by tapping the icon tile with the pencil badge at the top of "New Record" (announced as "Choose icon" by VoiceOver) before typing, or the same tile in "Edit Plan" or "Edit Record" later, the App does not look up a logo for that record from then on. A card has no icon to pick; a card whose name mentions Apple is drawn by the App and never looked up. The Privacy Policy lists exactly what these requests contain.

These services belong to Apple and Google, not to us. They are provided on a best-effort basis: they can be slow, return the wrong image or none, change, be rate-limited, or be withdrawn without notice, and they do not work offline. When no logo is found, the App shows a generic symbol. We may change or remove the lookup feature at any time.

Trademarks

Logos, app icons, names, and brands displayed in the App belong to their respective owners. The App shows them only so that you can recognize your own records, at your request. Their appearance does not mean that the brand, Apple, or Google is affiliated with, sponsors, or endorses the App, or that we are affiliated with them. You may not extract or use fetched logos for any purpose other than viewing your own ledger in the App. OweMe is not affiliated with Apple's App Store or with Google.

If you own rights in a brand and object to the App looking up or displaying its logo, write to contact@owe-me.app. We will consider removing that brand from the App's lookup table in a future update.

11 Third-party terms you must follow

When you use the App you must comply with any third-party terms of agreement that apply. In particular:

• the Apple Media Services Terms and Conditions, which govern your download and use of the App from the App Store and any OweMe Pro purchase;
• the Apple iCloud Terms and Conditions, if you turn on iCloud Sync, including their rules on storage limits, backups, and account termination;
• the Google Terms of Service, which apply to the favicon requests described in section 10;
• your wireless carrier's and internet provider's data plan and service agreement. Do not use the App, including iCloud Sync, logo lookups, or text messages, in a way that violates your wireless data service agreement or incurs charges you have not accepted.

12 Maintenance, support, updates, and discontinuation

We are solely responsible for providing any maintenance and support for the App, as described here or as required by applicable law. We offer support by email at contact@owe-me.app. We answer by email on a best-efforts basis and aim to reply within thirty days; that aim is not a guarantee. You and we acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

We may release updates that add, change, or remove features. Updates are delivered through the App Store, and iOS may install them automatically depending on your settings. We do not promise that the App will remain compatible with future versions of iOS, or that any feature (including logo lookups or iCloud Sync) will stay available.

"Lifetime" in OweMe Pro means for as long as we offer the App and it runs on your device. It is not a promise to maintain the App, or any feature, forever, and it covers the Pro features of this App, not those of a separate app we might publish later. Nothing in this paragraph takes away a remedy that consumer law where you live gives you if a feature you paid for is withdrawn.

We may stop distributing or supporting the App at any time. Because your ledger lives on your iPhone and, if you chose it, in your own iCloud, it stays yours and stays where it is if the App is discontinued. An installed copy keeps working as long as iOS allows it. The App cannot export your ledger to a file, so the copies you can keep are an iPhone backup and, if you use it, iCloud Sync. If we discontinue the App, we will take the "Monthly" and "Yearly" subscriptions off sale so that they stop renewing, and a period already paid for runs to its end. An installed copy keeps OweMe Pro only for as long as iOS and the App Store continue to confirm the purchase, which we cannot guarantee.

13 Warranty disclaimer

We are solely responsible for any product warranties, whether express or implied by law, to the extent they are not effectively disclaimed below.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE ERROR-FREE OR UNINTERRUPTED, THAT ITS FIGURES WILL MATCH WHAT YOU AND ANOTHER PERSON ACTUALLY AGREED, THAT EVERY REMINDER WILL BE DELIVERED BY iOS, THAT APPLE'S iCLOUD SERVICE WILL BE AVAILABLE, OR THAT LOGO LOOKUPS WILL RETURN A CORRECT IMAGE.

In plain terms: the App's arithmetic follows the fixed rules in section 7. Before iCloud's copy replaces your ledger, the App tries to write the safety copy described in section 6; if the copy cannot be written (for example because your iPhone is full), the replacement still goes ahead and no copy is kept. It asks you before resolving a conflict. What we cannot promise is that Apple's services, your iPhone, or your own entries will always be right.

In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be our sole responsibility.

Some jurisdictions do not allow the exclusion of implied warranties or limits on the statutory rights of consumers. If you are a consumer, nothing in this section takes away rights that the law where you live does not allow to be excluded.

14 Limitation of liability

To the maximum extent permitted by applicable law:

• we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, goodwill, or savings, however caused, even if we were told they were possible;
• we are not liable for:
  • money a person in your ledger owes you and does not pay;
  • a decision you make in reliance on a figure shown in the App;
  • an inaccurate or incomplete entry;
  • a reminder that does not fire or is not seen;
  • a message you send;
  • the unavailability, failure, or behavior of iCloud, Apple's or Google's services, your carrier, or your internet connection; or
  • loss of data that you did not back up, unless the loss was caused by a defect in the App itself, in which case the cap in the next point applies;
• our total liability to you for all claims arising out of or relating to the App or these Terms, taken together, will not exceed the greater of fifty US dollars (USD 50) and the amount you paid for the App, including OweMe Pro, in the twelve months before the event giving rise to the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or willful misconduct, or for any other liability that cannot be excluded or limited under the law that applies to you. If you are a consumer in the European Union, the United Kingdom, or another place with mandatory consumer-protection law, you keep every right that law gives you, and the limits above apply only as far as that law allows.

15 Responsibility for claims

Product claims

You and we acknowledge that we, not Apple, are responsible for addressing any claim by you or any third party relating to the App or your possession and/or use of it. That includes, but is not limited to, (i) product-liability claims; (ii) claims that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims under consumer-protection, privacy, or similar laws. Nothing in these Terms limits our liability to you beyond what applicable law permits.

Intellectual property claims

You and we agree that if anyone claims that the App, or your possession and use of it, infringes their intellectual property rights, we, not Apple, are solely responsible for investigating, defending, settling, and discharging that claim.

16 Acceptable use and indemnity

You agree to use the App only for lawful purposes and only as these Terms allow. In particular, you will not use the App:

• to harass, threaten, defraud, or intimidate anyone, or to send messages that break the law;
• to record information about people in breach of privacy law that applies to you;
• to operate as a lender, creditor, or collection agency without the license that activity requires;
• to infringe anyone's rights, including by taking logos out of the App;
• in violation of section 17 or of the third-party terms in section 11.

This paragraph applies only if you use the App for business, professional, or commercial purposes (section 8). If a third party brings a claim against us because of that use, a message you sent, or your breach of these Terms, you agree to reimburse our reasonable losses, costs, and legal fees. You do not have to reimburse us to the extent we caused the claim by our own breach or negligence. This obligation does not apply to personal, family, or household use, and, if you are a consumer, it applies only as far as consumer law where you live allows.

17 Legal compliance and export

The representation in the next paragraph is required by Apple in every custom license agreement offered through the App Store; the paragraph after it restates export rules that apply to you in any case.

You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

You may not use, export, or re-export the App except as authorized by United States law and the laws of the jurisdiction in which you obtained the App. You will comply with all local laws that apply to your use of the App.

18 Termination

You may end this agreement at any time by deleting the App from your devices and, if you wish, removing your iCloud copy as described in section 6. Deleting the App does not cancel a "Monthly" or "Yearly" OweMe Pro subscription; cancel it first in your Apple Account settings (section 5). If you break these Terms, your license ends; because the App has no account or server, we cannot switch anything off, but you must stop using the App and delete it. We may also end the license if we discontinue the App. Section 12 explains what that means for a purchase.

Ending the agreement gives us no access to your data. Whatever remains on your iPhone or in your iCloud stays under your control, and we cannot read or delete it. Remember that deleting the App removes the ledger on that iPhone (section 6). Sections 2, 3 (What we own and what you own), 6, 7, 8, 10, 13, 14, 15, 16, 17, 19, and 22 survive termination.

19 Governing law and disputes

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Any dispute that cannot be resolved informally will be brought in the courts of Miami-Dade County, Florida, United States. If you are a consumer, you also keep any non-waivable right under the law of the country or state where you live to bring a claim in your local courts, and to the protection of that law's mandatory rules.

Before starting any formal proceeding, please write to us at contact@owe-me.app describing the problem. We answer by email on a best-efforts basis, aim to reply within thirty days, and will try to resolve the problem with you in that time. These Terms do not require arbitration and do not take away your right to go to court, including small-claims court where available.

20 Changes to these Terms

We may update these Terms, for example when the App gains or loses a feature or when the law changes. The current version is always at this page on our website, https://owe-me.app, and the "Last updated" date at the top tells you when it changed. Every earlier version of these Terms stays available from the change log below, so you can always read the version that applies to the App version you use. The License Agreement link on the App Store shows the current version only.

Because the App has no accounts, we cannot email you, and because iOS may install updates on its own, we do not treat the installation of an update as your agreement to anything. A change to these Terms applies to you only from the first time you open a version of the App released on or after the change, and the App Store release notes of that version will say that the Terms changed. Until the App can show you a notice of its own, we will not change sections 13, 14, 16, or 19 (warranty, liability, indemnity, and disputes) except in a version of the App that shows you a notice of the change the first time you open it. If you stay on an earlier version of the App, the Terms that applied to it continue to apply. If you do not agree with a change, stop using the App and delete it; your ledger stays yours (section 6).

Change log

Each entry below names the first App version (as shown at the bottom of the Account screen) to which it applies. When a version of these Terms is superseded, its full text stays linked from its entry here.

• September 17, 2026 (applies from OweMe 1.0.0, build 1): first version of these Terms.

21 Developer contact

The App is provided by:

• Name: Palmora Technologies LLC
• Legal form: a limited liability company (LLC)
• Address: 12925 SW 207th Ln, Miami, FL 33177, United States
• Telephone: +1 305-636-8767
• Email: contact@owe-me.app
• Website: https://owe-me.app

Direct any questions, complaints, or claims about the App to these contact details. Email is the fastest way to reach us.

22 General

• Entire agreement. These Terms, together with the Privacy Policy and the Apple terms referred to in section 11, are the entire agreement between you and us about the App and replace any earlier understanding.
• Severability. If any part of these Terms is found invalid or unenforceable, that part will be applied to the fullest extent the law allows, and the rest stays in force.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Assignment. You may not transfer these Terms or your license to anyone else. We may transfer our rights and obligations to a successor who takes over the App, and will say so on this page and in the App Store release notes.
• Language. These Terms are written in English. If we provide a translation, the English version controls where they differ.
• Headings. Headings and the plain-language summary are there to help you read; only the numbered sections are binding.
• Third-party beneficiary. You and we acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of them.

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