Effective Date: April 1, 2026
These Terms of Service ("Terms") govern your access to and use of OwedToYou.net ("we," "us," or "our") and the services we provide. By accessing our website or purchasing our service, you agree to be bound by these Terms. If you do not agree, do not use our service.
OwedToYou.net provides unclaimed property claim research and filing assistance. For a one-time fee of $12.95, we will:
The $12.95 fee is a one-time charge. There is no subscription, recurring billing, or hidden fees.
OwedToYou.net is not a law firm and does not provide legal advice. Our service is administrative and research-based in nature. We assist with the preparation and submission of standard unclaimed property claim forms as permitted by state agencies. If you require legal advice regarding your unclaimed property matter, you should consult a licensed attorney.
We make no guarantee that unclaimed funds will be found in your name, that any claim filed will be approved by a state agency, or that you will receive any specific amount of money. The identification and approval of unclaimed property claims is determined solely by the applicable state agency, and we have no control over those decisions.
Our service is limited to research assistance and claim submission. Recovery of funds is not guaranteed, and results will vary based on individual circumstances and state agency determinations.
By purchasing our service and submitting your information, you:
You are solely responsible for ensuring that all information you provide is accurate and current. OwedToYou.net relies on the information you submit to conduct research and file claims. We are not responsible for failed or rejected claims resulting from inaccurate, incomplete, or false information provided by you. If a claim is rejected due to information you provided, you will not be entitled to a refund solely on that basis.
Refund requests are reviewed on a case-by-case basis within 14 days of purchase. To request a refund, contact us at contact@owedtoyou.net with your name and order details.
Refunds may be granted at our discretion where we have not yet commenced work on your claim. Refunds will generally not be issued once claim research and preparation work has begun, or where a claim has already been submitted to a state agency on your behalf.
No refunds will be issued based solely on the outcome of a claim (i.e., because a claim was denied by a state agency or because funds were smaller than expected).
All content on OwedToYou.net, including text, graphics, logos, and software, is the property of OwedToYou.net or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.
To the fullest extent permitted by applicable law, OwedToYou.net and its officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our service. Our total liability to you for any claim arising from these Terms or your use of the service shall not exceed the amount you paid us ($12.95).
You agree to indemnify, defend, and hold harmless OwedToYou.net and its officers, employees, and agents from and against any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the service, your violation of these Terms, or your provision of inaccurate or fraudulent information.
Your use of our service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our service, you consent to the data practices described in our Privacy Policy.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of our service after any modification constitutes your acceptance of the updated Terms.
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the service shall be resolved exclusively in the state or federal courts located in Texas, and you consent to personal jurisdiction in those courts.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.
If you have questions about these Terms of Service, please contact us:
OwedToYou.net
Email: contact@owedtoyou.net