Settle

Terms of Service

Effective date: March 25, 2026

1. Agreement to Terms

By accessing or using the services provided by Settle Labs LLC ("Settle," "we," "us," or "our") at getsettle.ai and related applications (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

We may update these Terms from time to time. We will notify you of material changes via email or in-product notification at least 30 days before the changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

2. Description of Service

Settle is a software platform for invoice creation, delivery, follow-up, and cash flow management. Settle provides software tools to assist with invoice creation, delivery, follow-up, and analysis.

Settle provides software tools to assist with invoicing and cash flow management but does not replace accounting systems, payment processors, or financial institutions.

3. Settle Is Not a Financial Institution

Settle Labs LLC is not a bank, money transmitter, money services business, or payment processor. Settle does not at any time hold, control, or transmit user funds. Settle is not licensed under any state or federal money transmitter laws, and no such license is required for the services we provide.

All payment processing is handled by independent third-party payment processors, including Stripe, Inc. and PayPal Holdings, Inc. When you or your clients initiate a payment through the Service, you are entering into a direct relationship with the payment processor, not with Settle. Settle has no control over and assumes no liability for the timing, success, failure, reversal, or dispute of any payment transaction.

Fees charged by payment processors are separate from Settle's subscription fees and are governed by the processor's own terms and fee schedules.

4. Accounts and Registration

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must notify us immediately of any unauthorized use.

You must be at least 18 years old to create an account. By creating an account, you represent that you have the legal authority to enter into these Terms on behalf of yourself or the organization you represent.

You are solely responsible for the accuracy, completeness, and legality of all invoices, client information, and payment terms you create or send through the Service.

5. Billing and Subscriptions

Settle offers free and paid subscription plans. Paid plans are billed monthly or annually in advance and renew automatically unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings.

We reserve the right to change our pricing with at least 30 days' written notice. If a payment fails, we will attempt to collect and may suspend or downgrade your account after a 15-day grace period.

Subscription fees are non-refundable except where required by applicable law. You are responsible for all applicable taxes related to your use of the Service.

6. AI-Generated Content

Settle uses artificial intelligence, including services provided by Anthropic and OpenAI, to generate suggested email content, follow-up messages, and workflow recommendations. All AI-generated content is provided as suggestions only.

You are responsible for reviewing and approving all content before it is sent. For automated follow-up emails, you authorize Settle to send communications on your behalf according to the rules and schedules you configure. You may pause or disable automated follow-ups at any time.

Settle does not guarantee that AI-generated content is accurate, appropriate, legally compliant, or free of errors. AI-generated content does not constitute legal, financial, tax, or professional advice. You assume full responsibility for all communications sent through the Service.

You acknowledge that automated actions, including sending invoices and follow-up communications, are executed based on your configured rules. You are responsible for reviewing and configuring these rules appropriately.

7. Cash Flow Analytics and Detection

Settle provides cash flow projections, payment likelihood estimates, missed invoice detection, and client behavior analytics. These features are informational estimates based on available data and are not guaranteed to be accurate or complete.

You should not make business decisions based solely on Settle's analytics. Nothing in the Service constitutes legal, financial, accounting, or tax advice. You should consult qualified professionals before making decisions based on information provided by the Service.

Settle does not guarantee that invoices will be paid or that follow-up actions will result in successful payment collection.

8. Acceptable Use

You agree not to use the Service to:

  • Send fraudulent, misleading, or deceptive invoices
  • Engage in money laundering, terrorist financing, or sanctions evasion
  • Send unsolicited commercial email or spam
  • Impersonate another person, business, or entity
  • Create invoices for illegal goods or services
  • Use AI features to generate harmful, deceptive, or harassing content
  • Attempt to reverse-engineer, compromise, or interfere with the Service
  • Upload malicious code, viruses, or harmful content
  • Violate any applicable law or regulation
  • Use the Service in a manner that excessively consumes resources, interferes with other users, or bypasses rate limits or safeguards

You also agree not to use the Service to create, upload, store, or transmit any content that is illegal, harmful, or abusive, including but not limited to:

  • Content involving the exploitation or abuse of minors
  • Sexually explicit material involving minors
  • Human trafficking, exploitation, or coercion
  • Harassment, threats, or abusive conduct

We have zero tolerance for illegal or exploitative content. We reserve the right to suspend or terminate accounts and report such activity to law enforcement where required.

9. Beta Features

Certain features may be labeled as beta or experimental. These features may be incomplete, subject to change, or unavailable at any time and are provided without any guarantees. We may modify or discontinue beta features without notice.

10. Email Compliance

Settle sends emails on your behalf, including invoices and follow-up reminders. You are responsible for ensuring that your use of the email features complies with applicable laws, including the CAN-SPAM Act, GDPR, and any other anti-spam or electronic communications laws in your jurisdiction.

You represent that you have a legitimate business relationship with each recipient and that your communications are relevant to that relationship. Settle includes unsubscribe mechanisms in automated follow-up emails as required by law.

Settle is not responsible for delivery failures, spam filtering, or delays in email delivery. You are responsible for ensuring that your communications comply with applicable laws and are appropriate for your recipients.

11. API and Integration Responsibility

If you use APIs, MCP integrations, or third-party connections, you are responsible for how those integrations are configured and used. Settle is not responsible for actions taken through external integrations or for the behavior of third-party software that connects to the Service.

12. Intellectual Property

Settle and its licensors retain all rights to the Service, including all software, code, design, trademarks, and documentation. Nothing in these Terms grants you any right to use the Settle name, logo, or trademarks.

You retain ownership of your data, including invoice content, client information, and uploaded files. You grant Settle a limited, non-exclusive license to use your data solely to provide and improve the Service, including processing by AI systems as described in Section 6.

You retain full responsibility for your relationships with your clients. Settle does not act as an intermediary, agent, or representative in your business transactions.

13. Account Termination and Suspension

You may cancel your account at any time. We may suspend or terminate your account for violation of these Terms, non-payment, or if required by law, with or without notice.

We may also suspend or restrict access to the Service if we detect activity that may pose a risk to the Service, other users, or third parties.

Upon termination, your right to access the Service ceases. We will retain your data for 90 days after termination to allow you to export your records. After that period, we may delete your data, subject to any legal retention requirements. Invoice records may be retained for up to 7 years for financial record-keeping purposes.

14. Client Disputes

Settle is not responsible for any disputes between you and your clients, including disputes related to invoice amounts, services rendered, payment terms, or communication content. You agree to resolve such disputes directly with your clients.

15. Indemnification

You agree to indemnify and hold harmless Settle Labs LLC, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

  • The content of invoices you create or send through the Service
  • Emails sent on your behalf, whether manually or automatically generated
  • Your violation of these Terms or applicable law
  • Your tax obligations or misrepresentation of payment terms
  • Any dispute between you and your clients

16. Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SETTLE LABS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, REGARDLESS OF THE THEORY OF LIABILITY.

SETTLE'S TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO SETTLE IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

SETTLE IS NOT LIABLE FOR ANY FINANCIAL LOSS ARISING FROM INACCURATE INVOICE AMOUNTS, FAILED PAYMENT COLLECTIONS, INCORRECT ANALYTICS OR PROJECTIONS, DELAYED NOTIFICATIONS, OR RELIANCE ON AI-GENERATED CONTENT.

17. Service Availability

Settle does not guarantee uninterrupted or error-free operation of the Service. Features may change, be modified, or discontinued at any time. We will make reasonable efforts to notify you of material changes to the Service.

18. Tax Disclaimer

Settle does not provide tax advice. Settle does not calculate, verify, or remit sales tax, VAT, GST, or any other tax on your behalf. You are solely responsible for determining and applying the correct tax rates, collecting applicable taxes, and filing and remitting taxes to the appropriate authorities. Any tax-related fields in the Service are for your convenience only and do not constitute tax guidance.

19. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

19.1 Agreement to Arbitrate

You and Settle Labs LLC agree that all disputes, claims, or controversies arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in English and held in the State of Delaware or conducted remotely at the arbitrator's discretion.

19.2 Class Action Waiver

YOU AND SETTLE LABS LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION AND YOUR RIGHT TO A JURY TRIAL.

19.3 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@getsettle.ai within 30 days of creating your account. If you opt out, disputes will be resolved in the state or federal courts located in the State of Delaware.

19.4 Small Claims Exception

Either party may bring qualifying claims in small claims court as an alternative to arbitration.

19.5 Severability

If the class action waiver in Section 15.2 is found unenforceable, the entire arbitration agreement in this Section 19 shall be void. All other provisions of these Terms shall remain in effect.

20. Export Compliance and Sanctions

Settle is operated from the United States. The Service is not available to individuals or entities located in, or residents of, countries subject to comprehensive sanctions imposed by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions.

By using the Service, you represent and warrant that you are not located in, under the control of, or a national or resident of any sanctioned country or territory, and that you are not on any U.S. government restricted parties list. You agree to comply with all applicable U.S. export control and sanctions laws and regulations in your use of the Service.

21. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any matters not subject to arbitration shall be brought exclusively in the state or federal courts located in the State of Delaware.

22. Force Majeure

Settle shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, internet or infrastructure outages, or third-party service provider failures.

23. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Settle Labs LLC regarding the Service. If any provision is found unenforceable, the remaining provisions shall continue in full force and effect.

24. Contact

If you have questions about these Terms, contact us at:

Settle Labs LLC
Email: legal@getsettle.ai