Terms of Use
Last updated October 20, 2026.
These terms cover the Owegone iPhone app, made by Verofin. Apple's Standard EULA also applies.
What Owegone is
A calculator and tracker. It shows estimates from the numbers you enter. It is not financial, legal or tax advice. Your lender's statements are the final word on what you owe.
Estimates
Dates and amounts are estimates. They assume minimums are paid on time unless you log otherwise. Real interest and fees may differ.
Pro
Free covers up to 4 active debts. Pro removes that limit. Pro is offered monthly, yearly (with a 7-day free trial) or as a one-time Lifetime purchase. Prices are shown in the app before you buy.
Subscriptions
Payment is charged to your Apple ID at confirmation. Subscriptions renew automatically unless turned off at least 24 hours before the period ends. Your account is charged for renewal within 24 hours before the period ends. Manage or cancel in your Apple ID settings. Unused trial time ends when you subscribe.
Refunds
Apple handles refunds. Request one at reportaproblem.apple.com.
If Pro ends
Nothing is deleted or locked. You can not add a 5th active debt until Pro is back.
Your data
Your data stays on your device. You are responsible for your backups.
Liability
The app is provided as is. To the extent the law allows, Verofin is not liable for decisions made using its estimates.