Terms of Service

Last updated: July 21, 2026

These Terms of Service ("Terms") govern your use of Settl ("the Service"). By creating an account or connecting your Google account, you agree to these Terms.

1. The Service

Settl helps you follow up on overdue invoices: it drafts reminder messages, sends them from your own connected email account, and reads replies to detect disputes, payment-plan requests, opt-outs, and routine confirmations. Certain actions - notably the first message to a new customer - require your explicit one-tap approval before anything is sent. Settl never holds or moves money on your behalf; payment always flows directly to you through your own connected payment processor.

2. Accounts

You must provide accurate information when creating an account and are responsible for activity that occurs under it. You're responsible for keeping your login credentials secure.

3. Acceptable Use

You agree not to use the Service to:

• Send messages that are false, misleading, harassing, or unlawful;
• Pursue debts you do not have a good-faith legal right to collect;
• Use the Service for consumer debt collection in a manner that violates applicable debt-collection law (Settl is designed for first-party and business-to-business use);
• Attempt to circumvent the Service's compliance safeguards; or
• Access another user's account or data without authorization.

4. Your Content and Data

You retain ownership of the invoice data, templates, and other content you provide. You grant Settl a license to use that content solely to operate the Service on your behalf (for example, drafting and sending messages, and classifying replies). See our Privacy Policy for details on how data is handled.

5. Third-Party Services

The Service relies on third-party providers - including Google (Gmail, sign-in, and AI drafting/classification via Gemini) and Stripe (payment links) - each governed by their own terms. Settl is not responsible for the availability or conduct of these third-party services.

6. Fees

Current pricing, if any, will be presented to you before it applies to your account. We'll provide reasonable notice before any change to pricing for an active account.

7. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, express or implied. Settl does not guarantee that any message will be delivered, read, or result in payment.

8. Limitation of Liability

To the fullest extent permitted by law, Settl will not be liable for indirect, incidental, special, or consequential damages, or for lost profits or revenue, arising from your use of the Service.

9. Termination

You may stop using the Service and disconnect your accounts at any time. We may suspend or terminate access if you violate these Terms or use the Service in a way that creates risk or legal exposure for Settl or others.

10. Changes to These Terms

We may update these Terms as the product changes. We'll update the "Last updated" date above, and for material changes we'll make reasonable efforts to notify active users.

11. Contact Us

Questions about these Terms can be sent to illgamerguy7@gmail.com.