Terms of use
Last updated October 19, 2026
By creating an account or using Owl you agree to these terms.
A free beta
Owl is free during its beta. It is provided as is: features can change, and there may be bugs or downtime. Keep your own copy of anything important (Import / Export → CSV).
Not financial advice
Owl shows the numbers you enter. It doesn't give financial, tax or legal advice; check important figures yourself.
Your data
What you put in Owl stays yours. You let Owl store, process and show it to you and to the people you share it with — nothing more. The privacy policy explains the details.
Sharing and groups
You decide who joins your workspaces, ledgers and groups, and you're responsible for what you share with them. Only add people's details when you have a reason to.
Fair use
Don't try to reach other people's data, break or overload the service, or use Owl for anything unlawful. Accounts that do may be suspended.
Ending
You can delete your account at any time from Profile. If Owl's beta ends, you'll be told in the app in advance so you can export your data.
Liability
As far as the law allows, Owl isn't liable for indirect or consequential losses, or for decisions made from figures in the app.
Changes and contact
If these terms change, this page is updated and its date changes. Questions: use “Send feedback” in the app.