Last updated: June 13, 2026
These terms are an agreement between you and Owed (“we”, “us”), operating at whatsowed.com. By creating an account or connecting a shop, you accept them.
Owed is software. It reads your TikTok Shop business records through TikTok’s official API with read-only permissions, checks them against TikTok’s published policies, shows you money that appears recoverable, assembles the supporting evidence, and drafts appeal paperwork for you.
You stay in charge. Every claim is reviewed, confirmed, and submitted by you, through your own seller account. Owed never acts inside your shop, never submits anything on its own, and never holds, routes, or receives the money TikTok pays you — recoveries go from TikTok directly to you, as they always have.
You must be at least 18 and authorized to act for the shop you connect. You are responsible for keeping your account credentials safe and for everything done under your account.
The audit of your shop’s recent history is free and carries no obligation. The number it shows you is an estimate of recoverable amounts based on your records and TikTok’s policies at the time — it is not a promise of recovery.
If you choose to pursue recoveries through Owed, our fee is a usage-based software fee, calculated as a percentage of money actually recovered, at the rate shown to you in the product before you send your first claim. In plain terms: a share of what comes back, only after it lands. Specifically:
Keeping a valid payment method on file is a condition of using the recovery features. If a due fee cannot be collected after reasonable retries and notice, we may pause recovery features until it is settled.
Some claims require you to confirm a fact we cannot know — for example, that a returned item never arrived. Those confirmations are yours, and you agree to make them truthfully. You agree to use Owed only for shops you are authorized to manage and in compliance with TikTok’s seller terms and applicable law.
TikTok decides appeals, not us. We cannot and do not guarantee any recovery, any timeline, or that TikTok’s policies, APIs, or decisions will not change. Owed provides software and drafting assistance; it is not a law firm, does not provide legal advice, and is not a debt collection agency — the claims are yours, filed by you, for money owed to you under TikTok’s own policies.
Your shop’s data remains yours. You grant us permission to process it solely to provide the service, as described in our Privacy Policy. Disconnect at any time; our read access ends immediately.
Owed, its software, design, and content are ours and protected by law. We grant you a personal, non-transferable right to use the service for your shop while these terms are in effect.
You can stop using Owed and disconnect your shop at any time. We may suspend or close accounts that breach these terms or that we reasonably believe are being used unlawfully. Fees already due under section 4 survive termination, as do sections 6 through 11.
To the maximum extent the law allows: the service is provided “as is”; we are not liable for indirect or consequential losses, lost profits, or platform decisions made by TikTok; and our total liability for any claim is capped at the fees you paid us in the three months before the event giving rise to it. Nothing in these terms excludes liability that cannot lawfully be excluded.
These terms are governed by the laws of the Republic of Kenya, and disputes will be resolved in its courts, unless mandatory law in your place of residence provides otherwise.
If we change these terms in a way that matters, we will email account holders at least 14 days before the change takes effect. Continuing to use Owed after that means you accept the new terms.
Owed · whatsowed.com · hello@whatsowed.com