Your inbox is yours. Here's exactly what we do with it.

What we collect

Your phone number. It's how we text you. We store it encrypted, and look you up by a one-way scrambled version of it.

Information from your Gmail, read-only. With your permission through Google's sign-in, we search your mail for emails likely to matter, such as settlement notices, receipts, renewal charges and data breach notices, and read those to see whether they connect you to an open settlement. From them we keep only:

• which settlements you may be owed money from, and why;
• short quotes of up to 300 characters, with the email's date, the sender's domain and Gmail's message ID;
• if you turn on case finding, small facts such as company, date, amount and a short quote (see case finding).

We don't store full emails, attachments, your contacts or your sent mail.

Details you give us for claim forms. If you ask us to help file, we keep what the forms need, such as your name, mailing address, email and phone, encrypted, so you don't retype them.

Your texts with us. We keep the state of our conversation so we know what you asked for. Messages are delivered through our texting provider.

How we use it

• To find open class action settlements you may be owed money from, and text you about them.
• To show you a filled-in claim form. Nothing is submitted without your OK.
• To answer your questions about settlements we found.
• If you turn it on, to spot the same problem across many users (case finding).
• To track what happens with each settlement we find (filed, paid or closed), using claim-confirmation and payment emails, so you never have to report it.
• To describe how Owed is doing, like how many settlements we find and their estimated value, using combined totals that never identify anyone.
• To keep the service working and secure.

To decide whether an email matters, we may send a short, trimmed part of it to our AI provider, Anthropic, which processes it on our behalf to provide the service. We don't use your data to train AI models, and we don't sell it or use it for advertising.

Google user data

Owed asks Google for read-only Gmail access (gmail.readonly). We can't send, delete or change your email.

Owed's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. In plain terms, we use Gmail data only to provide the features described here. We don't transfer it except as needed for those features, to comply with the law, or with your specific consent. We never sell it or use it for ads. People don't read your email, except with your permission for a specific message, for security, or when the law requires.

You can remove our access anytime by texting disconnect, or at myaccount.google.com/permissions.

Who we share with

Only these, and only what each needs:

• Google, to read your Gmail with your permission.
• Anthropic, our AI provider, for short trimmed excerpts as described above.
• Sendblue, which delivers our texts (your phone number and our messages).
• Hosting and website providers (such as Cloudflare), which run our systems.
• A law firm you choose, only through case finding, only after you say yes and sign.
• Authorities, if the law requires it.

We look up public information, such as lists of open settlements and public court records, without sending them anything about you. Claim sites you file on get the details you choose to submit.

Case finding (optional, off by default)

Sometimes many people get hit by the same thing, like the same surprise fee from the same company. If you turn case finding on (text cases on), we keep small facts about possible problems in your email (company, date, amount and a short quote) and compare them across Owed users, under a scrambled ID rather than your name or number.

If a pattern looks real, a person at Owed reviews it first. Then we may text you, naming the law firm looking into it, and ask whether you want to share your related emails with them. Before anything is shared, we show you exactly what they would get, and you sign by typing your name. Your consent covers that one firm and that one case. Text revoke anytime and we'll stop sharing and ask the firm to delete what it got.

Law firms may pay Owed a flat fee for each person who chooses to share. It never depends on whether a case is filed, won or settled, or on how much it's worth. Text cases off anytime to stop case finding and delete the facts we noted.

How long we keep it

We keep your information while you use Owed. When you delete it, we erase it from our active systems. Case-finding facts are deleted when you turn case finding off. If you shared evidence with a law firm and later revoke, we ask the firm to delete it.

Security

What we store about you is encrypted. Gmail access uses Google's own sign-in, and we never see your password. No system is perfectly secure, and we'll tell you if something goes wrong that affects you.

Your choices

• delete erases the settlements and filing details we saved.
• disconnect removes our access to your Gmail.
• stop means no more texts. start turns them back on.
• cases off stops case finding and deletes those facts. revoke takes back evidence you shared.
• To get a copy of your data, or to erase your whole account, email us.

Depending on where you live (for example California), you may have rights to know, correct or delete your information, and to not be discriminated against for using them. Email us to use them. We don't sell your personal information or share it for advertising.

Owed is for adults (18+) in the United States. Standard message and data rates may apply.

Changes

If we change this policy in a way that matters, we'll text you before it takes effect.

Contact

Questions or requests: hello@tryowed.us.

Owed is not a law firm and does not provide legal advice.