Terms and disclaimer

What Owed is

Owed is a document-preparation and sending service run by KytePush. We prepare and send; we're not lawyers. We read the document you upload or the details you enter, apply published rules (billing codes, federal and state appeal rules, state property-damage rules), and prepare documents for you. For appeals and car value claims, we send the documents by fax and/or certified mail only after you read and approve them.

What Owed is not

We are not lawyers or a law firm, we don't represent you, and we don't negotiate for you. Nothing on this site is legal, medical or financial advice. We can't promise any outcome: whether a bill is reduced or a denial overturned depends on your plan, your provider and your case. For free one-on-one help, contact your state's Consumer Assistance Program, or for Medicare, your State Health Insurance Assistance Program (SHIP).

Your responsibilities

Check what we read from your document and the letters before you use them. You are responsible for the accuracy of what you send and for meeting deadlines; the date on your own notice controls.

Payment and refunds

The scan is free. The full report is a one-time payment shown before checkout. For appeals and car value claims we send: if we can't deliver it by fax or certified mail, we refund you in full, automatically, to your original payment method. The car value estimate is a starting figure for your claim, not a promise of what an insurer will pay. If our report has an error that we can't correct, contact us for a refund.

Data

See the privacy page. Documents are deleted after 30 days.