Terms of Service
Last Updated: February 2026
Welcome to NowTo IOU. By using our service, you agree to these Terms of Service.
Acceptance of Terms
By accessing or using NowTo IOU, you agree to be bound by these terms. If you do not agree, please do not use our service.
Service Description
NowTo IOU is a personal debt and IOU tracking tool. It is designed for personal record keeping only and does not constitute a legal document or financial advice.
User Accounts
You are responsible for maintaining the security of your account credentials. You must provide accurate information when creating an account.
Acceptable Use
You agree not to misuse the service, including but not limited to: creating false records for fraudulent purposes, attempting to access other users' data, or using the service for illegal activities.
Limitation of Liability
NowTo IOU is provided "as is" without warranties. We are not liable for any damages arising from the use of this service. Records created are for personal reference only.
Changes to Terms
We may update these terms from time to time. Continued use of the service after changes constitutes acceptance of the new terms.
Termination
We reserve the right to suspend or terminate accounts that violate these terms.