Terms of Use
Last updated: October 13, 2026
1. Acceptance of Terms
Welcome to OwesGov.com ("we," "our," or "us"). By accessing or using our website, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our website.
OwesGov is independent of the SBA and lenders. Records originate from the SBA public PPP dataset and may include local corrections or removals. Records are historical snapshots, not live balances. Missing forgiveness information is not proof that a loan remains unpaid. Appearing here does not establish fraud or wrongdoing. Verify important information with the source or lender.
2. Description of Service
Our website provides information about Paycheck Protection Program (PPP) loans. We strive to ensure the accuracy of the information presented, but we do not guarantee its completeness, timeliness, or accuracy.
3. Use of the Service
You agree to use our website only for lawful purposes and in accordance with these Terms of Use. You are prohibited from:
- Using the website in any way that violates applicable laws or regulations
- Attempting to interfere with or disrupt the operation of the website
- Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity
- Collecting or storing personal data about other users without their express permission
4. Intellectual Property
Our branding, original text, and design may be protected by intellectual property laws. We do not claim exclusive ownership of government-published loan data. Source data use is subject to the source terms and applicable law; nothing here limits rights available under applicable law.
5. Disclaimer of Warranties
The information provided on this website is for general informational purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website.
6. Limitation of Liability
To the extent permitted by applicable law, we will not be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
7. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
8. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. We will notify users of any changes by updating the date at the top of this page. Your continued use of the website after any such changes constitutes your acceptance of the new Terms of Use.
9. Requests and applicable rights
For corrections or questions, email [email protected]. Request listing removal through the removal form. Changes here do not alter government or lender records. Nothing in this text excludes rights or liabilities that cannot be excluded under applicable law.