Privacy Policy

Overview

This Privacy Policy explains how With Bytes LLC ("With Bytes," "Owed," "we," "us," or "our") collects, uses, discloses, and safeguards information when you use the Owed website, mobile application, and related services (the "Service"). Owed is a class‑action and settlement discovery platform that surfaces links to publicly available resources. We are not a law firm and do not provide legal advice or submit claims.

What We Are (and Are Not)

• We display information and outbound links related to class actions and settlements. We do not determine eligibility, file claims, or process payments.
• We are not affiliated with administrators, courts, law firms, brands, or defendants. We do not own any third‑party logos and do not imply wrongdoing by any company.
• If you choose to visit third‑party sites or submit data to them, their terms and privacy policies—not ours—govern their use of your information. We are not responsible for what third parties do with your data.

Information We Collect

The categories of information we may collect depend on how you use the Service:

• Account & Contact Information: Name, email address, password or authentication token, and any information you choose to provide (e.g., preferences, saved items).
• Device & Technical Data: IP address, device identifiers, OS and app version, browser type, language, time zone, app crash logs, and diagnostics.
• Usage & Interaction Data (Analytics): Pages/screens viewed, buttons tapped, searches, outbound link clicks (e.g., which administrator links were clicked), timestamps, session length, referral/UTM data, and generalized interest segments. We may know that an account clicked an outbound link; we do not know whether you ultimately filed or received a payout.
• Communications: Messages you send to us (e.g., support inquiries), and associated metadata.
• Approximate Location: If enabled by your device or inferred from your IP address, for content relevance (e.g., jurisdiction‑specific matters). We do not collect precise geolocation unless you explicitly grant permission.
• Cookies and Similar Technologies: Cookies, local storage, SDKs, and pixels used to remember settings, perform analytics, prevent fraud, and measure campaigns.

Sources of Information

• Directly from you when you create an account, adjust settings, contact support, or interact with the Service.
• Automatically through your device and interactions with the Service.
• Service providers and analytics partners that help us measure usage and performance.

How We Use Information

• Provide, operate, maintain, troubleshoot, and improve the Service.
• Understand how users engage with features and outbound links (analytics and performance measurement).
• Personalize or prioritize content (e.g., show relevant categories or jurisdictions).
• Communicate with you (e.g., updates, support responses, service announcements).
• Detect, investigate, and prevent security incidents, fraud, and abuse.
• Comply with legal obligations and enforce our Terms.

How We Share Information

We do not sell your personal information. We may disclose information in the following situations:

• Service Providers: Vendors who help us host, operate, analyze, or support the Service (e.g., cloud hosting, analytics, email delivery, customer support) under confidentiality obligations.
• Legal, Compliance, and Safety: To comply with laws or valid legal requests, to protect our rights and users, or to enforce our Terms.
• Business Transfers: In connection with a merger, acquisition, financing, or sale of assets, subject to continued protection of your information as described here.
• Aggregated/De‑identified Data: We may share reports or insights that do not identify you personally.

Important: Owed does not submit claims for you. If you choose to visit a third‑party site and provide information there, that third party controls your data on its systems. We are not responsible for their privacy practices, security, or what they do with your information, including any payout decisions or communications.

Analytics, Cookies, and Advertising

We may use analytics tools and advertising pixels/SDKs to understand usage, measure performance, and (where applicable) deliver or measure promotions for Owed. You can usually control cookies in your browser settings and manage ad‑identifier permissions in your device settings. Disabling certain technologies may affect functionality.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security of your information.

Data Retention

We retain information for as long as reasonably necessary to operate the Service, comply with legal obligations, resolve disputes, and enforce agreements. We may retain aggregated or de‑identified data that does not identify you for analytics and reporting.

Your Choices

• Account & Profile: You may access or update certain account information in the app or by contacting us.
• Communications: You can opt out of non‑essential email communications using unsubscribe links or by contacting us.
• Cookies/Identifiers: Control cookies via your browser and advertising identifiers in device settings.
• Data Deletion: You may request deletion of your account and associated personal information, subject to legal/operational exceptions.

International Users

If you access the Service from outside the United States, you understand that your information may be processed in the U.S. or other countries with privacy laws that may differ from those in your jurisdiction.

Children’s Privacy

The Service is not directed to children under 13 (or under 16, where applicable). We do not knowingly collect personal information from children in those age groups. If you believe a child has provided us personal information, please contact us so we can take appropriate action.

Logos, Names, and Trademarks

We display company names and logos solely to identify publicly referenced class actions or settlements. We do not assert ownership over any third‑party marks, and inclusion does not imply endorsement, affiliation, sponsorship, approval, or that any company engaged in wrongdoing. If you are a rights holder and believe your mark is used improperly, contact us and we will review promptly.

No Legal Advice; Not a Law Firm

Owed provides general informational content only. We do not provide legal advice, do not evaluate your eligibility, and do not file or submit claims on your behalf. For legal advice, consult a licensed attorney in your jurisdiction.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last updated" date. Your continued use of the Service after changes become effective signifies your acceptance of the revised Policy.

Contact Us

Questions about privacy? Contact legal@withbytes.me.