Version 2026-07-21.1

Terms of service

Provider

CODIFY AI SRL, 681 CAM 2, 307102 Sat Checea, Timis, Romania ("we"), a Romanian limited liability company, CUI 51174729, Trade Register no. J2025004646003. Contact: support@itsowed.com. CODIFY AI SRL is not VAT registered (neplătitor de TVA); no VAT is added to our fees.

Service

We provide structured case handling for consumer money-recovery matters: eligibility assessment, evidence management, preparation and delivery of correspondence to the counterparty, deadline tracking, follow-up, and escalation support (for example to a national enforcement body or ADR entity). A checker result is a preliminary, automated assessment based on the information you enter — it is not a guarantee of eligibility, recovery, amount, or legal outcome, and it is not legal advice. We are a claims-handling service, not a law firm.

Authorization

By opening a case you instruct and authorize us to correspond with the counterparty on your behalf regarding that case, through a dedicated case address we assign, and to receive information about the case from the counterparty. No external correspondence is sent until you have opened the case and any required human review is complete. You may revoke this authorization at any time by closing the case in writing.

Fees — no win, no fee

Opening a case and using the checker is free. If, and only if, money is actually recovered in your case, our success fee is the percentage displayed before you opened the case (standard: 25% of the recovered amount). No recovery — no fee. If the counterparty pays you directly, you must tell us within 7 days, and the fee on the recovered amount becomes due and will be charged to your authorized payment method or invoiced. Because we are not VAT registered, no VAT is added.

Right of withdrawal

If you are an EU consumer you may withdraw from the contract within 14 days of opening a case, without giving reasons, by writing to support@itsowed.com. By opening a case you expressly request that we begin work immediately. If you withdraw before the case is fully performed, you pay nothing unless money has already been recovered; if the service has been fully performed (recovery obtained) within the withdrawal period, the fee remains due, as you acknowledged when opening the case.

Your duties

You confirm the information and documents you provide are accurate and complete, that the claim is your own, and that you have not assigned it or instructed another provider or lawyer for the same matter (and will not, while the case is open, without closing this case first). You will forward to us any payment or correspondence you receive directly from the counterparty concerning the case.

Case acceptance and closure

We may decline or close a case that appears unsupported, abusive, time-barred, conflicted, outside our expertise, or requiring a licensed lawyer or regulator — we will tell you and you will owe nothing unless money was already recovered. Some matters may be referred, with your consent, to a legal partner; any change to fees would require your agreement.

Liability

Nothing in these terms limits liability that cannot be limited by law. Otherwise, our aggregate liability under a case is limited to the fees paid (or payable) in that case. We are not liable for the counterparty's decisions, delays, or insolvency, nor for outcomes caused by inaccurate information provided to us.

Complaints, law, and disputes

Complaints: write to support@itsowed.com — we respond within 14 days. These terms are governed by Romanian law, without depriving you of the mandatory consumer protections of the country where you habitually reside. If we cannot resolve a complaint directly, EU consumers may seek an approved out-of-court alternative dispute resolution (ADR) body or their national consumer authority — in Romania, the National Authority for Consumer Protection (ANPC, anpc.ro). (The EU Online Dispute Resolution platform was discontinued on 20 July 2025 and is no longer available.) Courts of your habitual residence within the EU remain available to you where the law so provides.

Changes

We may update these terms for future cases; the version applicable to your case is the one you accepted when opening it (shown above). Material changes to an open case's terms require your consent.