IOU Pay is a personal tracking tool only. We do not provide loans, credit, or payment services. All agreements are informal and between users only. IOU Pay is not responsible for any financial disputes or losses.
Where you'll see this
- Signup screen
- IOU creation screen footer
- Settings page
In plain language
IOU Pay helps you keep a clear, shared record of informal money owed between people you already trust. It doesn't move money, doesn't extend credit, and doesn't enforce repayment — those parts stay between you and the other person.