Last updated: 23 August 2026
⚠️ Not legal advice. These terms describe how the software actually behaves, which is the hard part, and the part most templates get wrong. They are still not a substitute for a lawyer. Have §9 and §11 in particular reviewed: in the EU you cannot contract out of statutory consumer rights, and a limitation clause that tries to is void — often taking more of the agreement with it than you intended. Several US states are equally unimpressed by a blanket exclusion of consequential damages.
These terms are between you and Enkel Xhelollari ("we", "us"), an individual sole trader established in Albania.
By creating an account you accept them. If you do not, do not create one.
OweMe is a record of who owes whom. You enter what was spent and who shared it; OweMe does the arithmetic and works out who could pay whom to settle up in the fewest transfers.
OweMe never moves, holds, transmits, or processes money. It is not a bank, a payment service, an e-money institution, or a money transmitter. It has no connection to your bank or card. Marking a settlement as paid records your claim that a payment happened somewhere else, by some other means.
It follows that:
Tell us at owemeapp@gmail.com if you think somebody else has your account.
You keep ownership of everything you enter. You grant us only the permission we need to run the service: to store it, and to show it to the other members of the groups you put it in.
Three consequences worth stating plainly:
Do not use OweMe to store anything unlawful, or anybody's data you have no right to share.
OweMe is free to use for the arithmetic — every split, balance and settle-up calculation, forever. Paid plans add scale and convenience.
Current prices and features are shown in the app, taken directly from Google Play in your own currency.
All purchases go through Google Play. We never see your payment details.
We sometimes issue codes. A code grants either a period of Premium free of charge, or eligibility for a discounted price that Google Play applies at checkout. A code is not money, has no cash value, cannot be exchanged for one, and we may stop honouring a code that has been shared publicly or used fraudulently.
If you are a consumer in the EU, the EEA or the UK you have a 14-day right of withdrawal on a digital purchase. Because a subscription gives you access immediately, that right is lost once performance has begun with your express prior consent and your acknowledgement that you lose it — which is what the Google Play purchase flow obtains before it charges you.
In the United States there is no equivalent statutory cooling-off period for a digital purchase, so what you have is Google's refund policy — which applies to you exactly as it does to everybody else, and which we will help you press.
Within the withdrawal period, and in every other case, refunds are requested from Google Play and decided by Google under Google's refund policy. We do not hold your money and cannot refund it ourselves. If you believe you are entitled to a refund Google has declined, write to owemeapp@gmail.com and we will help you press it.
If Google refunds a purchase, the corresponding feature is withdrawn — a refunded premium group stops being premium.
Nothing here limits your statutory rights.
Nothing is deleted. Your data stays exactly as it is; you simply stop seeing the parts the free plan does not include, and see them again if you resubscribe. Expenses outside the free plan's 90-day window are hidden, never removed, still counted into every balance, and always included in a CSV export — a window that stopped you taking your own data with you would make that promise a lie.
The free plan includes one group, ever — not one at a time. Archived and deleted groups still count towards it; deleting a group does not return the allowance. This is stated in the app before you delete anything. The free plan also caps a group at 300 expenses and 90 days of browsable history, and does not include the five premium features.
Members per group are unlimited on both plans, and inviting somebody to join is free on both plans, always. We are not going to charge you for having friends, and we are not going to charge them for turning up.
The free plan covers one person per group who is not on OweMe — a name with no account behind it, split with like anyone else. That is one dinner with one friend who will not install anything, which is the case the free plan is meant to cover. Beyond one it is a premium capability, and a premium group grants it to everyone in that group rather than only to whoever paid.
One thing this never does: it does not touch a person already in a group. If a subscription lapses, everybody who is there stays there and every balance is untouched — the limit applies to adding the next one, never to unpicking the last. Removing somebody retroactively would not remove a person, it would break the arithmetic the rest of the group depends on.
Do not:
We may suspend an account that does these things. Where we can, we will tell you why first.
We aim to keep OweMe running and make no promise of a particular uptime. We may change or discontinue features. If we discontinue the service altogether, we will give 30 days' notice and keep CSV export working so you can take your data with you.
Offline mode keeps a copy of your groups on your device, so a temporary outage does not stop you reading or recording anything.
Deleting your account does not refund a purchase; refunds are Google's.
This section is deliberately conservative and is the one most worth having a lawyer read. In the EU you cannot exclude liability for death or personal injury caused by negligence, for fraud, or for statutory consumer rights — and an over-broad clause can be struck down in its entirety.
OweMe is provided as it is. To the extent the law allows:
We do not exclude or limit liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.
Some places do not allow parts of this to be excluded at all — several US states will not permit a blanket exclusion of incidental or consequential damages, and EU consumer law will not permit contracting out of statutory rights. Where that is so, the exclusion simply does not apply to you and the rest of this section stands.
Nothing here limits your statutory rights as a consumer.
We may update these terms. For material changes we will tell you in the app before they take effect. Continuing to use OweMe afterwards means accepting them; if you would rather not, delete your account.
These terms are governed by the law of Albania, and the courts of Tirana, Albania have jurisdiction.
That is where we are, and it is not a way of putting a dispute out of your reach. A choice-of-law clause does not override the consumer protections of the place you actually live, and we are not trying to make it do so:
ec.europa.eu/consumers/odr, though writing to us first is faster.There is no arbitration clause here, and no class-action waiver. That is a deliberate omission rather than a gap somebody forgot to fill: we are not asking you to give up a court, a jury or the ability to join with other people. If that ever changes we will tell you before it takes effect, under §10, and you will be able to delete your account instead of accepting it.
Under California Civil Code §1789.3, users of an electronic commercial service are entitled to this notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
OweMe's free plan costs nothing and its paid plans are priced in the app and charged by Google Play; §5 sets out what each one includes.
Enkel Xhelollari — owemeapp@gmail.com