Who has ownership of the iPhone?

If Lucy bought an iPhone 5S for her AT&T account and also bought with AppleCare+ but Tony (user of the iPhone 5S) has put the warranty under his Apple ID account. So who has ownership of the iPhone 5S?

Added (1). Tony is the person of usage of the line and phone under AT&T.

Added (2). If Lucy had gave the phone as a Christmas gift to tony, would it be his?

The owner is the one who paid for it. The warranty is a different issue and is most likely void since he is not the legal owner of the phone.

Lucy. She has the receipt.

Lucy is the owner of the phone, unless she gave it to Tony. The warranty will need to be in the name of the owner of the phone. If it's not in the owner's name, the warranty company can refuse to make payment or repair for it.

It would be as if I went and bought a warranty plan on your car. That doesn't somehow make me the owner of it, even if you let me drive it.

If the ATT account is in Lucy's name, and she bought the phone, then the phone belongs to Lucy. It matters not who *she* is allowing to use the phone.

If Tony is a minor, the phone belongs to Lucy. But even if Tony is a adult, and a relative, Lucy can take that phone back if Tony is being an @$$hat. Lucy could also call ATT, report the phone stolen, and render the phone unusable, leaving Tony without a phone, period.

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