Subscription Terms

IOU is free to use, and the free tier is not a trial. It includes:

• Up to four people with an open balance at a time.
• Unlimited manual entries.
• Ten receipt scans per calendar month.

A person has an open balance when their net total with you is not zero. Anyone you have settled up with does not count, so the number of people you can keep in IOU is unlimited — only open balances are capped.

The scan allowance resets at the start of each calendar month in your device's time zone. Only a scan that comes back successfully uses one: a scan that fails, or that is still waiting because you are offline, does not.

IOU Pro removes the active-people cap and monthly scan allowance. Receipt scanning still requires online-scanning consent and is subject to service availability and abuse-prevention limits, currently 10 requests per minute and 100 per UTC day per IP address. Those service limits also apply to Pro and may affect people sharing a network.

Nothing you created on the free tier is deleted, hidden or locked if you do not subscribe. Existing people and entries stay readable and editable; only going beyond the free limits needs Pro.

The prices above are reference US-dollar prices. The App Store purchase sheet shows the applicable local price, taxes, billing period and any eligible offer before you confirm. Payment is charged to your Apple Account when you confirm the purchase, or when an applicable trial ends. The monthly and annual plans renew automatically unless you switch off auto-renew at least 24 hours before the current period ends.

Your account is charged for a renewal within the 24 hours before the period ends, at the price shown for your plan. The Lifetime purchase is a single payment and does not renew.

The annual plan is configured with a 7-day free trial. Availability and eligibility are determined by Apple and shown on the purchase sheet; a trial is not guaranteed for every customer. Unless you cancel at least 24 hours before the trial ends, it converts into a paid annual subscription at the price above.

If you buy a subscription while a free trial is running, any unused part of that trial is forfeited. The monthly plan and the Lifetime purchase have no trial.

Manage or cancel on your device: open the Settings app, tap your name, then Subscriptions, and choose IOU Pro. Cancelling stops the next renewal — you keep Pro until the end of the period you have already paid for.

Deleting the app does not cancel a subscription. You must cancel through your Apple Account, as above.

Apple sells IOU Pro and handles every payment, so refunds are Apple's to give. Request one at reportaproblem.apple.com. We cannot issue a refund ourselves, but if something has gone wrong, write to support@ioumoneyapp.com and we will help you make the case. Any statutory right of withdrawal or refund where you live is unaffected.

If we change the price of a subscription, the new price applies to renewals only after Apple has notified you and, where Apple's rules require it, you have agreed to it. If you do not agree, your subscription simply ends at the end of the current period. We may add features to Pro; if we ever remove one materially, we will say so in the release notes.

If you reinstall IOU or set up a new device, sign in to the Apple Account that made the purchase and use Settings → IOU Pro → Restore Purchases.

Family Sharing is available only where the App Store offer supports it and Apple’s eligibility requirements are met. If an active purchase does not restore, tell support your plan, approximate purchase date and the error shown. Do not send your Apple Account password, verification codes or payment details.

Billing questions go to support@ioumoneyapp.com. One person reads every message, and most replies go out within two working days.