Terms of use
Last updated September 7, 2026
What iomi is
iomi is a planning and tracking tool for savings goals. You create an IOU to yourself, set a payoff schedule, and record the payments you make on your own. iomi is not a bank, lender, or money transmitter. iomi never holds, moves, or verifies your money.
Your numbers are your own
Amounts shown are self-reported by you. iomi does not connect to your bank and cannot confirm balances. You are responsible for the accuracy of what you enter.
Late fees
A late fee in iomi is an amount you choose to add to your own goal when you miss a payment you planned. This is a savings plan you make with yourself. There is no loan, no interest charged, and no credit impact. 'Late fees' and due dates are incorporated as motivational tools, and iomi generates no fees or consequences from them. iomi never charges, collects, or receives a late fee, and nothing is added unless you tap to apply it. You can remove an applied fee at any time.
Shared goal links
You may share a goal publicly by switching sharing on for that IOU. A shared page shows only the goal's photos, name, description, percent complete, and payment count — never your identity or any dollar amount. You are responsible for the photos and text you publish, and you can revoke a link at any time by switching sharing off.
No financial advice
Nothing in iomi is financial, tax, or legal advice. Projections are estimates based on the numbers you enter and assume no interest unless you record it. Some savings options are partner offers. iomi may earn a commission if you open an account. iomi does not provide financial advice, and rates shown are provided by partners and may change.
Your account
Keep your login details secure. You may delete your account at any time from Settings, which removes your IOUs, activity history, and uploaded photos.
Service availability
iomi is provided as-is, without warranties. We may change or discontinue features. We are not liable for financial decisions you make using the tool.
Contact us
Questions about these terms? Email support@iomisavings.com.