Terms
Terms of use
Software, usage pricing, and responsible automation.
- AgreementBy using Owedly (including /agree, /app, Resolve, Collect, and Chargeback Hub) you agree to these terms (version 2026-09-19) and our Privacy policy. If you place paper for others, you represent you have authority to do so.
- Software servicesOwedly is a software company, not a debt collector. Our software helps consumers, creditors, and collection agencies communicate, organize information, and automate authorized workflows. Owedly software pricing does not include a recovery commission or monthly subscription. Any fees separately agreed with a collection agency or other service provider remain separate.
- Consumption pricing and creditsMetered AI and connected services use credits at provider usage cost multiplied by the current Owedly multiplier shown on the pricing page. For each billed operation, provider cost in cents is multiplied by that rate and rounded up to a whole credit. The usage ledger records the cost, multiplier, and credits deducted. Welcome credits are granted once and have no cash value. Included account and storage allowances are shown before signup; any additional storage charges must be disclosed before use. Changes to the multiplier apply prospectively and do not rewrite historical ledger entries.
- Agency in a Box agentsSigned-in desks may use multi-agent assistants (Desk Lead, Closer, Compliance, Skip, Disputes, QA). Pack content can be lease-gated. Agent output is assistive — not legal advice — and must still pass product rules before outbound action.
- Compliance gateOutbound Agency Floor actions are fail-closed through a compliance gate (including deceased/bankruptcy marks and dialer disarm rules). You remain responsible for your licenses, scripts, consent, and FDCPA / state law compliance. Lawyer-gated templates stay gated until cleared.
- No guarantee of recoveryOwedly does not guarantee that any account will pay, that any chargeback will be won, or any win rate / recovery rate. Outcomes depend on facts, evidence, networks, and law. Out-of-statute paper may be collectable in limited ways but is not a promise you can sue.
- Acceptable useNo harassment, no illegal threats, no SSN/PAN phishing forms on Owedly surfaces, no uploading data you lack rights to process, and no attempting to bypass auth or the compliance gate.
- Service changesFeatures may be stubbed, waitlisted, or changed (including Protect alerts and Collect Exchange). We may update these terms; continued use after notice of a new terms_version (shown at /agree) constitutes acceptance where allowed by law.
- Contactsupport@owedly.ai.