Terms of Use

Last updated: April 2, 2026

These Terms of Use (“Terms”) govern your use of the mobile application Owedly (“the App”), offered by the developer / publisher listed on the Google Play store (“we”, “us”). By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.

Important: The App is a tool to help you organize information you enter. It is not accounting, tax, legal, or financial advice, and it is not a bank, payment processor, or invoice settlement service.

1. License

We grant you a personal, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, in accordance with these Terms and the rules of the app store from which you obtained the App (for example, Google Play).

2. Your responsibilities

  • You are responsible for the accuracy of data you enter and for any decisions you make with respect to clients, contracts, taxes, and collections.
  • You are responsible for safeguarding your device and any backup files you create. Uninstalling the App or clearing app data may delete your information unless you have exported a backup.
  • You must not use the App for any unlawful purpose or in violation of third-party rights.

3. No professional advice

The App is provided for general organizational purposes only. Nothing in the App constitutes professional advice (financial, legal, tax, or otherwise). Consult qualified professionals for advice specific to your situation.

4. Availability and changes

We may update, modify, or discontinue features of the App at any time. We may release new versions through the app store; continued use after an update may be subject to updated terms or store policies.

5. Intellectual property

The App, its name, branding, and underlying software are owned by us or our licensors. You may not copy, modify, distribute, sell, or reverse engineer the App except as allowed by applicable law or express permission.

6. Third-party services

The App may rely on or link to third-party services (including Google Play, device APIs, and optional sharing targets). Your use of those services is governed by their respective terms and policies.

7. Disclaimer of warranties

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE APP. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE APP SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE APP IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ZERO IF THE APP WAS FREE.

Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability is limited to the fullest extent permitted.

9. Indemnity

You agree to defend and indemnify us against any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the App, your data, or your violation of these Terms, to the extent permitted by law.

10. Termination

You may stop using the App at any time by uninstalling it. We may suspend or terminate your access if we reasonably believe you have violated these Terms or applicable law.

11. Governing law

These Terms are governed by the laws applicable in your jurisdiction as required by consumer protection rules, except where the app store’s mandatory terms apply. If you are a consumer, you may have rights that cannot be waived by contract.

12. Contact

For questions about these Terms, contact us via the Support page.

13. Privacy

Our collection and use of information is described in the Privacy Policy, which is incorporated by reference into these Terms.