Terms of Use
Last updated: July 21, 2026
1. Acceptance of terms
By using OweMe, you agree to these Terms of Use. If you do not agree, do not use the bot, website, confirmation links, or related services.
2. Service description
OweMe is a WhatsApp-based tool for recording money obligations, confirming debts, splitting shared bills, calculating balances, and recording settlements. The service does not provide banking, lending, payment processing, legal, tax, or financial advice.
3. User responsibility
You are responsible for the accuracy of amounts, descriptions, confirmations, and any agreements you create or share through the bot. You must use the service only for lawful purposes and with appropriate consent from other participants.
4. No guarantee of repayment
OweMe helps record and confirm obligations, but it does not guarantee repayment, enforce debts, verify identity, or resolve disputes between users.
5. Acceptable use
You may not use the service for fraud, harassment, spam, unlawful collection activity, misleading claims, or any activity that harms the service, other users, or third-party platforms.
6. Availability and changes
We may update, suspend, or discontinue parts of the service at any time. We may also update these Terms of Use as the product evolves.
7. Limitation of liability
To the fullest extent permitted by law, OweMe is provided as is, without warranties of any kind. We are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service.
8. Contact
For questions about these terms, contact us through the WhatsApp link available on this website.