Disclaimer

Important Notice

OweNo is a tool to assist with bill splitting. It is not a financial service, payment processor, or legal advisor. We are not responsible for disputes, calculation errors, or financial decisions made using this App.

1. Tool-Only Service

OweNo is provided as a convenience tool to help users split bills. The App is designed to assist with calculations and coordination, but it does not process payments, hold funds, or guarantee accuracy.

2. Calculation Accuracy

While we strive for accuracy, the App may contain errors in:

• OCR (Optical Character Recognition) extraction of receipt data
• Mathematical calculations for bill splitting
• Tax and tip calculations
• Rounding and division of amounts

Users are responsible for verifying all calculations and bill information.Always double-check amounts before making payments.

3. No Financial Responsibility

OweNo and its operators:

• Do not process payments or handle money
• Are not responsible for disputes between bill participants
• Do not guarantee that participants will honor their payment obligations
• Are not liable for financial losses resulting from bill splitting decisions
• Do not provide financial, legal, or tax advice

4. User Responsibility for Disputes

All disputes regarding bill amounts, item claims, or payment obligations are solely the responsibility of the bill participants. OweNo does not mediate, arbitrate, or resolve disputes between users.

If you encounter a dispute:

• Verify the original receipt and calculations
• Communicate directly with other bill participants
• Seek independent legal or financial advice if necessary
• Do not rely on OweNo to resolve payment disputes

5. OCR Accuracy Disclaimer

The App uses OCR technology to extract information from receipt images. OCR is not 100% accurate and may misread:

• Item names or descriptions
• Prices and amounts
• Restaurant names
• Dates, times, or order numbers

Always verify OCR-extracted information against the original receipt. Report significant errors through the App's correction features if available.

6. Third-Party Payment Services

If the App provides links or integrations to third-party payment services (e.g., Venmo, PayPal), those services are independent of OweNo. We are not responsible for:

• Payment processing failures
• Payment service fees or terms
• Disputes handled by payment providers
• Security of third-party payment platforms

7. No Warranty

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. We disclaim all warranties, including but not limited to:

• Accuracy of calculations
• Reliability of OCR extraction
• Uninterrupted or error-free operation
• Fitness for a particular purpose

8. Limitation of Liability

To the maximum extent permitted by law, OweNo and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including:

• Financial losses from calculation errors
• Disputes between bill participants
• Inaccurate OCR data extraction
• Loss of data or information
• Third-party payment service issues

9. Use at Your Own Risk

You acknowledge that you use OweNo at your own risk. You are solely responsible for:

• Verifying all bill information and calculations
• Resolving disputes with other participants
• Making informed financial decisions
• Complying with applicable laws and regulations

10. Contact Information

If you have questions about this Disclaimer, please refer to ourTerms & Conditionsfor contact information.