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$35B+ a year goes unclaimed. Class-action settlements happen when companies wrong their customers — a data breach, a privacy case, a billing practice the courts ordered them to pay for. The payout is real, but most people never hear about it, or never file in time. The money goes back to the company. Owed is the honest way to find the settlements you might match. HOW IT WORKS - Tell Owed your state and a few brands you've used in the last few years. - Owed shows you the active settlements where you may match the eligibility criteria. - Tap any settlement to see the criteria, the payout range, and the deadline. - Ready to file? Owed links you straight to the official settlement administrator's claim form. You file there, on their site. Owed is never in the payment path. WHAT OWED DOES NOT DO - We don't file claims for you, and we never see what you submit. - We don't connect to your financial accounts. Owed runs on the few details you give it — nothing more. - We don't tell you that you qualify. Every match is framed honestly: "you may match these criteria — verify on the administrator's site." - We don't take a cut. The settlement administrator pays you directly. WHY OWED IS FREE The core experience — finding settlements, matching, official claim links, and deadline reminders — is free, forever. No ads. No catch. OWED+ (OPTIONAL) For people who want Owed to do the watching for them, Owed+ adds brand alerts, multi-state matching, a 30-day look-ahead, and earlier deadline reminders. $2.99/month or $19.99/year, with a 7-day free trial. Cancel anytime in your subscription settings, in two taps. Owed+ never gates the free core — it's a convenience layer, not a wall. REAL SETTLEMENTS. REAL DEADLINES. REAL CLAIM FORMS. Owed surfaces public settlement information and cross-verifies it against court records. No inflated "you're owed $1,247!" estimates — just honest ranges and the real form. Part of the Bramley family of honest personal-finance apps. Owed is not a law firm and does not provide legal advice. Owed surfaces public settlement information; you verify your eligibility and file on the administrator's official site. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/