customer-owned

"Customer-owned" refers to assets or property that belong directly to the customer rather than the business providing a service. For example, if you own your home, the house is your customer-owned asset. In service agreements, it means the customer retains ownership of certain items or resources used or provided, such as equipment, clothing, or data, even when they’re being used in conjunction with a company's services. This term highlights that the customer has control and ownership of those assets, rather than the company.