Effective Date: May 2, 2026
This Money-Back and Performance Guarantee (the “Guarantee”) is offered by Settlemate, Inc. (“Settlemate,” “we,” “our,” or “us”) to qualifying subscribers and is incorporated into our Terms of Service by reference. Capitalized terms not defined here have the meanings given in the Terms of Service.
The Guarantee is a contractual commitment from Settlemate. It supplements — and does not replace — your statutory consumer rights or Apple’s and Google’s separate refund policies.
If you are an eligible subscriber and you complete a qualifying 12-month period without receiving payouts equal to or exceeding the amount of the Guarantee, Settlemate will, on your request, facilitate a refund equal to:
the lesser of (a) thirty-five U.S. dollars ($35.00), or (b) the total subscription fees you paid to Settlemate during the qualifying period, minus the total payouts you received through Settlemate during that same period.
The Guarantee is capped at $35 regardless of which subscription plan you have or how much you paid. The cap exists because the Guarantee is designed to assure you that at least $35 of value will be recovered or refunded — not to refund the full cost of a monthly plan that, over 12 months, exceeds that amount.
Refund Formula — Examples
PlanSubscription fees paid over the qualifying periodPayouts received through SettlemateRefund payable under the GuaranteeAnnual ($34.99)$34.99$0.00$34.99Annual ($34.99)$34.99$15.00$19.99Annual ($34.99)$34.99$40.00$0.00Monthly ($13.99 × 12)$167.88$0.00$35.00Monthly ($13.99 × 12)$167.88$20.00$15.00Monthly ($13.99 × 12)$167.88$40.00$0.00
In short: if Settlemate did not help you recover at least $35 of value during the qualifying period, we’ll make it right — through a platform refund where available, or through equivalent account credit or service extension that you choose. If you recovered $35 or more, the Guarantee does not apply because the Service already delivered at least the value of the Guarantee.
“Payouts received” includes any settlement payment, refund, rebate, price-adjustment credit, recovery, statement credit, gift card, or other tangible benefit you received as a result of using Settlemate during the qualifying period, regardless of whether the payout was disbursed by Settlemate directly, by a settlement administrator, by a merchant, by a financial institution, or by another third party.
How the Guarantee is fulfilled. Because Settlemate subscriptions are sold through the Apple App Store and Google Play, Settlemate does not directly process subscription payments and does not have unilateral authority to issue refunds for those charges. When you qualify for the Guarantee, Settlemate facilitates the refund through Apple or Google. If Apple or Google declines, Settlemate provides an equivalent alternative resolution that you select, as described in Section 3, Step 4 below.
The Guarantee is available only to subscribers who meet all of the following requirements.
You purchased a Settlemate subscription (either the annual plan or the monthly plan) through the Apple App Store or Google Play. The Guarantee does not apply to free trials, gift subscriptions, promotional plans, discounted introductory plans during the discount period, or subscriptions purchased through any third-party reseller or bundle.
You completed a qualifying period of either:
The qualifying period for purposes of the refund formula is:
Throughout the qualifying period, your account must have been in good standing, meaning you did not:
Throughout the qualifying period, you must have actively used the Service in a way that reasonably enabled Settlemate to identify recovery opportunities for you. At minimum, this means you:
You must request the Guarantee refund within 30 days after the end of your qualifying period:
Requests submitted before the qualifying period is complete, or more than 30 days after it ends, are not eligible.
The Guarantee may be claimed only once per Settlemate account, regardless of how many qualifying periods you complete over the lifetime of the account. If you have previously received a Guarantee refund (or an alternative resolution under Section 3, Step 4), you are not eligible to claim the Guarantee again, even if you complete another qualifying period.
If you meet some but not all of these requirements, you may still be entitled to a partial refund under our standard Refund Policy or a refund directly from Apple or Google under their platform policies. We will assess your eligibility in good faith.
Step 1 — Contact Settlemate first. Email support@settlemate.io with subject line “Money-Back Guarantee Request.” Include:
You do not need to provide receipts or documentation up front — Settlemate maintains subscription and payout records and will reconcile them.
Step 2 — Initial response. Settlemate will acknowledge your request within 2 business days and review your eligibility against the requirements in Section 2. We will respond substantively within 10 business days with a determination.
Step 3 — Refund facilitation. If you qualify for the Guarantee:
Step 4 — If Apple or Google declines. If Apple or Google declines the refund despite your meeting the Guarantee requirements, Settlemate will provide an alternative resolution that you choose from the following two options:
You may select either option by replying to our determination email with your choice. We will apply your selection within 5 business days of your reply and confirm in writing.
You retain the right to pursue Apple’s or Google’s direct refund process independently under their own platform policies and your statutory consumer rights at any time. The alternative resolution described above is Settlemate’s contractual remedy under this Guarantee and does not replace or limit those independent platform and statutory rights.
The alternative resolution counts as Settlemate’s fulfillment of the Guarantee for the relevant qualifying period under Section 2.6 (once-per-account-lifetime limit).
If you disagree with our initial determination, you may request a single appeal within 30 days of receiving the determination. Email support@settlemate.io with subject line “Money-Back Guarantee Appeal” and a brief explanation of why you believe the determination was incorrect.
Appeals are reviewed by a Settlemate team member who was not involved in the original determination. We will respond to appeals within 14 business days. The appeal determination is final under this Guarantee, though it does not limit any rights you have under applicable law or under Apple’s or Google’s separate appeal processes.
The Guarantee is a contractual offer with defined scope. It does not apply to, and is not a refund of:
Settlemate may modify, suspend, or terminate the Guarantee at any time on a forward-looking basis by updating this document and posting the revised version with a new Effective Date. Material changes will be communicated by email or in-app notice at least 30 days before they take effect.
Changes to the Guarantee do not affect your right to claim the Guarantee under the version of these terms in effect at the time you began your qualifying period. If you began a qualifying period under the version of this Guarantee dated May 2, 2026, your claim is governed by that version, regardless of subsequent changes.
This Guarantee is a confidence commitment, not an income guarantee. Settlemate does not promise that you will recover any specific amount, that you will receive any particular settlement, or that any recovery opportunity exists for you. The Guarantee exists to give you confidence in trying Settlemate — if our Service does not deliver at least $35 of value to you during the qualifying period, you don’t pay for that portion.
Settlemate’s overall liability remains subject to the limits and disclaimers in our Terms of Service. The Guarantee does not expand Settlemate’s liability beyond the refund amounts described in Section 1.
This Guarantee is governed by, and any dispute relating to it is resolved under, the Governing Law and Venue (Section 27) and Arbitration (Section 29) provisions of the Settlemate Terms of Service. Disputes under this Guarantee are subject to the same Delaware governing law, Delaware venue (with California fallback), informal dispute-resolution procedure, mass-arbitration architecture, and class-action waiver described in the Terms of Service.
Nothing in this Guarantee limits any non-waivable statutory right you have under applicable consumer-protection law. To the extent any provision of this Guarantee would be unenforceable as to a resident of a particular jurisdiction under that jurisdiction’s law, that provision is intended to be inapplicable to that resident only to the extent of the unenforceability and will remain enforceable as to all other users to the maximum extent permitted by law.
For Guarantee requests, appeals, or questions:
Settlemate, Inc.
8 The Green St. STE B
Dover, DE 19901
Email: support@settlemate.io
Use subject line “Money-Back Guarantee Request” or “Money-Back Guarantee Appeal” as applicable.
