Terms of service
Last updated 13 November 2026
These terms are between you and Owoeyo. By making an account or using owoeyo.app you agree to them. If you use Owoeyo for a business, you agree for that business.
What Owoeyo is
Owoeyo helps freelancers and small businesses make documents, run jobs, send invoices and keep track of what they're owed. It's software. Owoeyo never holds, moves or pays out money: your clients pay you directly, and we only record what happened.
Your account
- Use an email address you control. Anyone with access to it can sign in.
- You're responsible for what's done in your account, including by anyone you share it with to read.
- You must be 18 or over, and allowed to enter into this agreement.
Plans, credits and payment
- Free is free. Pro is billed monthly or yearly in US dollars through Polar, our seller of record, at the price shown when you buy. Taxes are added where the law requires.
- Pro renews until you cancel. Cancel any time from Settings; you keep Pro until the end of the period you paid for.
- Credits pay for things that cost us money to run, like AI and accessible PDFs. Your plan's monthly credits reset at the start of each month; credits you buy don't expire. Credits have no cash value.
- We'll give at least 30 days' notice by email before a price change affects you. Founding members keep their price while their subscription stays continuous.
- Refunds are in our refund policy.
Your content
What you put in Owoeyo stays yours. You give us permission to store, process and display it only so we can run Owoeyo for you: to show it to you, to show your clients what you share with them, and to send what you ask us to send. You can export it and delete it whenever you like.
What you're responsible for
- The accuracy of your documents: amounts, tax, your business details and your bank details. Owoeyo calculates and formats; it doesn't check that a charge is owed or that your tax treatment is right.
- Your clients' personal data: you're its controller, and you must have a lawful reason to put it in Owoeyo and to contact them through it.
- Following our acceptable use policy.
What Owoeyo can and can't confirm
- “Did it land?” and payment matching show the evidence we have, and how sure it is. They aren't a guarantee that money is in your account: check with your bank before acting on a large payment.
- The verify page confirms whether a document was signed by Owoeyo, who issued it and whether it changed. It never says that an invoice is safe to pay or that goods or services were delivered.
- AI contract review points out things to look at. It isn't legal advice. See the AI disclosure.
Availability and changes
We work to keep Owoeyo running and your data safe, with daily backups, but we can't promise it will never be interrupted. We may change features; if we remove something you pay for, we'll tell you first and you can cancel.
Suspension and ending
You can stop using Owoeyo and delete your account at any time. We may suspend links, stop sending, or close an account that breaks these terms or the acceptable use policy, or to protect other people from fraud. Unless it's urgent or the law prevents it, we'll tell you why and give you a chance to export your data first.
Liability
Nothing in these terms limits liability that the law doesn't allow to be limited, or your rights as a consumer. Otherwise, we're not liable for indirect or consequential loss, or for loss of profit, business or data, and our total liability to you in any 12 months is limited to what you paid us in those 12 months, or 100 US dollars if that's more.
Changes to these terms
We'll email you at least 30 days before a change that matters takes effect. If you don't agree, you can cancel and delete your account before then.
Law
If you're a consumer, you keep the protection of the laws and courts where you live.