Effective Date: May 2, 2026
Welcome to Settlemate! These Terms of Service (“Terms”) form a legally binding agreement between you and Settlemate, Inc. (“Settlemate,” “we,” “our,” or “us”) governing your access to and use of all services provided by Settlemate, including but not limited to our website, mobile applications, email ingestion tools, claim preparation tools, claim-discovery tools, refund-recovery tools, price-adjustment tools, partner-offer tools, rewards-based engagement features, payout facilitation features, communications tools, account dashboards, and any related technologies, products, communications, or services (collectively, the “Service” or “Services”).
By using the Service, you agree to be bound by these Terms and acknowledge that you have read, understood, and consented to our accompanying Privacy Policy, Refund Policy, Money-Back and Performance Guarantee, and any other supplemental terms, offer terms, checkout terms, or product-specific terms that we present to you in connection with particular Services.
If you do not agree to these Terms, you must immediately discontinue your use of the Services. If you have any questions about these Terms, you may contact us at support@settlemate.io.
IMPORTANT NOTICE: THESE TERMS CONTAIN AN ARBITRATION AGREEMENT, CLASS-ACTION WAIVER, JURY-TRIAL WAIVER, INFORMAL DISPUTE-RESOLUTION REQUIREMENT, LIMITATION OF LIABILITY, AND OTHER PROVISIONS THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.
You may use the Services only if you are at least 18 years of age, reside in a jurisdiction where the Services are legally permitted, and have the legal capacity to enter into a binding agreement.
If you are accessing the Services on behalf of a business, organization, household member, client, customer, law firm, partner, or other entity, you represent and warrant that you are authorized to agree to these Terms on that person’s or entity’s behalf, and that such person or entity accepts full responsibility for its use of the Services.
Use of the Services is not permitted where prohibited by law, and Settlemate reserves the right to limit or restrict access to any individual, account, device, payment method, email address, phone number, region, or jurisdiction at our sole discretion.
The Services are intended primarily for users located in the United States. We do not represent that the Services are appropriate, lawful, available, or effective in any particular jurisdiction. You are responsible for complying with all laws, rules, settlement requirements, administrator instructions, court orders, tax obligations, and other legal obligations that apply to you.
You represent and warrant that: (a) you are not located in a country, region, or territory subject to a U.S. government embargo or designated by the U.S. government as a “terrorist supporting” country or region; and (b) you are not listed on any U.S. government list of prohibited, restricted, sanctioned, or denied parties.
Settlemate is a technology platform designed to help individuals identify, evaluate, prepare, submit, track, and manage potential compensation opportunities from class action settlements, product recalls, corporate refund programs, price-adjustment programs, rebate programs, loyalty or rewards opportunities, merchant refunds, account-related requests, and similar consumer recovery opportunities.
Using proprietary workflows, algorithms, automation, and, when authorized by you, limited inbox access, Settlemate may detect relevant opportunities and help prepare application materials. Settlemate does not automatically file settlement claims that require your signature, certification, attestation, declaration, verification, or e-signature. For covered settlement claims requiring user certification or signature, Settlemate will require you to review and e-sign or otherwise approve the submission before it is submitted.
Settlemate may also provide access to partner offers, automated price-adjustment tools, refund-recovery tools, subscription or account-related request tools, and rewards-based engagements with third-party vendors. Payment, reward, or recovery disbursement may be facilitated through methods such as direct deposit, ACH, gift card issuance, PayPal, Plaid, paper check, statement credit, third-party payment provider, settlement administrator, merchant, or other payment method, depending on the nature of the claim, refund, settlement, promotion, or recovery opportunity.
Settlemate is not a law firm, lawyer referral service, claims administrator, court-appointed administrator, bank, money transmitter, insurer, tax adviser, investment adviser, credit counselor, credit-services organization, credit-repair organization, debt collector, debt adjuster, debt-settlement company, debt-management plan provider, financial planner, fiduciary, trustee, or escrow agent. Unless expressly stated in a separate written agreement, Settlemate does not provide legal, financial, tax, credit, investment, debt-settlement, credit-repair, or other professional advice. No attorney-client, fiduciary, trustee, escrow, agency beyond the limited authorization stated in these Terms, or professional advisory relationship is created by your use of the Services.
Settlemate does not create, sponsor, control, approve, administer, or guarantee any third-party settlement, recall, refund program, merchant program, price-adjustment program, promotion, or claim process unless we expressly say otherwise in writing. Third-party administrators, merchants, courts, defendants, brands, processors, financial institutions, and other third parties may control eligibility, documentation requirements, deadlines, payout timing, payout amount, method of payment, denial, reversal, and final claim determinations.
When you sign up for Settlemate, you may choose to link your email inbox or other account to enable detection of relevant settlement, refund, rebate, recall, purchase, merchant, price-adjustment, or recovery opportunities. By granting inbox or account access, you authorize Settlemate to scan specific types of transactional messages and records, such as receipts, shipping confirmations, order confirmations, account notices, settlement notices, refund notices, recall notices, purchase confirmations, merchant communications, payment confirmations, claim-status messages, and similar transactional content, for the purpose of identifying, evaluating, preparing, submitting, tracking, and managing claims, refunds, rebates, settlement filings, price-adjustment requests, account-related requests, and related recovery opportunities.
Inbox connections are read-only. Settlemate does not send email from your personal email address and does not request “send-as,” delegated-sending, or send-mail OAuth scopes from your inbox provider. Where Settlemate communicates with settlement administrators, retailers, merchants, claim agents, processors, or other third parties on your behalf, those communications are sent from Settlemate-controlled email addresses, referencing the relevant claim or recovery opportunity. This protects you from any misattribution of communications and keeps you out of administrator address books.
Our platform may pre-fill settlement forms, upload documentation, generate draft communications, request status updates, prepare claim materials, track claim status, or generate responses to third-party requests, depending on the claim requirements and the Services you authorize.
For settlement claims, legal claims, claim forms, declarations, certifications, sworn statements, attestations, or submissions requiring your e-signature, signature, certification, or personal review, Settlemate will not submit the claim until you have reviewed and e-signed, signed, certified, or otherwise approved the required materials. Settlemate may prepare materials and route them to you for approval, but you remain responsible for reviewing, approving, signing, and certifying the accuracy of such submissions.
You may revoke inbox access or disable applicable Services at any time through your account settings where available or by contacting support@settlemate.io. Revoking access may prevent Settlemate from continuing to provide certain Services, identifying opportunities, preparing materials, tracking outcomes, supporting refund requests, or verifying eligibility for certain guarantees.
Settlemate does not guarantee eligibility, compensation, recovery, refund, approval, payout, timing, accuracy of third-party data, or availability for any particular claim or opportunity. Final decisions regarding compensation are made solely by third-party administrators, retailers, merchants, courts, settlement administrators, financial institutions, claim-processing entities, or other responsible third parties.
You understand that claim and refund opportunities may be time-sensitive. Settlemate may not identify every opportunity, prepare every opportunity, submit every opportunity, route every opportunity to you before every deadline, or continue tracking every opportunity. Unless we expressly agree otherwise in writing, Settlemate has no obligation to monitor all possible settlements, recalls, refunds, promotions, merchant programs, legal claims, price-adjustment opportunities, or deadlines on your behalf.
When you request or authorize specific Services, you appoint Settlemate as your limited authorized representative solely to the extent necessary to perform those specific operational Services. This limited authority may include accessing and processing data from accounts you link; identifying potential opportunities; preparing, pre-filling, and organizing forms, claim materials, requests, or documents using information you provide or authorize us to retrieve; sending and receiving non-sworn operational communications about a request, claim, filing, refund, rebate, price adjustment, or recovery opportunity from Settlemate-controlled email addresses; requesting status updates or supporting materials; and relaying outcomes to you.
This limited authority is limited, non-exclusive, revocable, and strictly operational. Settlemate is not your attorney, legal representative, financial adviser, tax adviser, fiduciary, trustee, escrow agent, bank, insurer, claims administrator, debt collector, debt adjuster, credit-services organization, credit-repair organization, debt-management provider, or general agent. This authorization does not permit Settlemate to provide legal advice, settle or release legal claims, waive rights, endorse checks, deposit checks, open financial accounts, sign affidavits, sign declarations under penalty of perjury, make sworn statements, certify eligibility, bind you to unrelated contracts, assign your claims, accept settlement terms requiring individualized legal judgment, send email from your personal email address, or act under a general power of attorney unless we separately and expressly agree in writing.
If a particular claim, settlement, refund program, administrator, merchant, or third party requires your personal review, signature, certification, declaration, identity verification, tax form, notarization, sworn statement, or separate authorization, you are responsible for providing it. Settlemate may decline to submit or continue a claim if we determine that submission would require legal advice, an unauthorized signature, incomplete information, false information, or authority we do not have.
You may revoke Settlemate’s limited authority at any time by disconnecting linked accounts, disabling applicable features, or contacting support. Revocation may prevent us from completing Services already in progress. We are not responsible for missed opportunities, denied claims, incomplete submissions, reversals, delays, or lost recoveries resulting from your revocation, failure to provide information, failure to review materials, failure to e-sign required submissions, or failure to maintain account access.
Settlemate grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes and strictly in accordance with these Terms.
You may not copy, distribute, sell, resell, rent, lease, sublicense, license, decompile, disassemble, reverse engineer, frame, scrape, crawl, modify, translate, create derivative works from, or otherwise exploit any part of the Service, source code, object code, workflow, interface, data model, automation logic, claim-detection logic, AI prompt structure, ranking system, recommendation engine, content, design, database, or technology.
You may not use the Service to build, train, benchmark, improve, or support a competing product or service, or to collect information about Settlemate’s systems, workflows, pricing, claim logic, data sources, vendors, product roadmap, or business model.
We reserve all rights not expressly granted to you in these Terms. Unauthorized use or breach of these Terms may result in immediate termination of your account and access, in addition to any legal remedies available to Settlemate.
You may not access the Services through automated means except as expressly authorized by Settlemate. You may not bypass, disable, interfere with, overload, or test the vulnerability of any security, rate-limiting, authentication, access-control, anti-fraud, or usage-control feature.
To use certain features of the Service, you must create an account and provide accurate, current, and complete information. You agree to update your account details promptly if there are changes.
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You agree not to impersonate another person, use an email address you do not own, use a payment method you are not authorized to use, link an account you are not authorized to access, or create multiple accounts for deceptive, abusive, promotional, or fraudulent purposes.
If you become aware of any unauthorized use or suspected breach of security, you must notify us immediately at support@settlemate.io.
Settlemate reserves the right to suspend or terminate any account that appears to be compromised, inactive, fraudulent, abusive, associated with unauthorized access, associated with excessive chargebacks, associated with false claims, or otherwise in violation of these Terms.
You are responsible for the accuracy, completeness, legality, and timeliness of all information, documents, screenshots, receipts, forms, payment details, tax information, identity information, account permissions, e-signatures, certifications, and other materials you provide or authorize us to access. Settlemate may rely on information you provide or authorize without independently verifying it.
By linking an email inbox to your account, you authorize Settlemate to access, read, and parse relevant emails using secure methods. This includes analyzing receipts, shipping confirmations, order confirmations, settlement notices, recall notices, merchant communications, refund notices, price-adjustment notices, account-related messages, and similar transactional content to detect potential claims, refunds, rebates, price adjustments, settlement opportunities, and related recovery opportunities.
We will not intentionally access personal or unrelated communications for purposes unrelated to providing the Services, and we do not share or sell message contents for marketing purposes.
Inbox access is read-only. Settlemate does not send email from your personal email address, does not request “send-as” or send-mail OAuth scopes, and does not retain delegated-sending permissions. Communications Settlemate sends to settlement administrators or other third parties on your behalf are sent from Settlemate-controlled email addresses, referencing your claim.
You may revoke inbox access at any time within your account settings or by contacting support@settlemate.io. Revoking access will prevent Settlemate from continuing to offer certain Services.
If you connect a Google account, Microsoft account, email account, financial account, merchant account, or other third-party account, your use of that connection may also be subject to the applicable third party’s terms, privacy notices, security rules, revocation settings, and API policies. Settlemate will process connected-account data as described in our Privacy Policy.
Google API Services User Data Policy — Limited Use. Settlemate’s use and transfer of information received from Google APIs (including any Gmail data accessed via OAuth) adhere to the Google API Services User Data Policy, including the Limited Use requirements. Specifically:
You agree that Settlemate may use automated tools, OCR, rules-based systems, AI-assisted tools, fraud detection, classification systems, extraction tools, matching systems, and human review to process connected-account data and user-submitted materials for the purpose of providing the Services. AI-assisted outputs may contain errors, omissions, or outdated information, and should be reviewed where review is made available.
Settlemate provides a convenience layer to simplify claim, refund, rebate, recall, settlement, and recovery processes. Settlemate does not provide legal advice and does not determine final eligibility for any third-party program. Settlemate may act only as your limited authorized representative for specific operational tasks you request, as described in Section 4.
We do not guarantee that any claim, request, refund, rebate, settlement filing, price-adjustment request, or recovery opportunity identified, prepared, submitted, or tracked through the Service will result in a payout, recovery, approval, credit, refund, benefit, or other outcome. Determinations regarding eligibility, documentation sufficiency, compensation amount, payout timing, denial, reversal, and payment method are made by the relevant settlement administrator, merchant, retailer, court, processor, financial institution, claim administrator, or other third party, not by Settlemate.
You are responsible for reviewing claim requirements, verifying the accuracy of information submitted, confirming that you meet applicable criteria, and complying with any certifications, declarations, tax requirements, documentation requirements, identity-verification requirements, account-ownership requirements, deadlines, administrator instructions, court orders, or merchant rules.
Submitting fraudulent, knowingly false, incomplete, misleading, duplicate, or unauthorized information may result in denial of the claim, forfeiture of recovery, reversal of payment, tax consequences, loss of access to Settlemate, notification to relevant third parties or authorities, and potential legal consequences.
You agree that Settlemate may decline to prepare, submit, continue, or support any claim, request, refund, rebate, settlement filing, price-adjustment request, or opportunity if we believe the information is inaccurate, incomplete, unsupported, fraudulent, duplicative, legally risky, outside the scope of our Services, inconsistent with administrator rules, inconsistent with merchant requirements, abusive, or otherwise inappropriate.
Settlemate may prioritize, deprioritize, filter, group, suppress, or stop showing opportunities based on confidence level, estimated value, user settings, third-party requirements, risk signals, available documentation, operational constraints, deadlines, product limitations, business rules, or other factors. Settlemate has no obligation to disclose all internal scoring, eligibility, ranking, risk, fraud, automation, or prioritization logic.
9.1 Subscriptions Are Sold Through Apple App Store and Google Play. Settlemate subscriptions are offered exclusively as in-app purchases through the Apple App Store and Google Play. Pricing, billing, automatic renewal, free trials, free-to-pay conversions, price changes, renewal notices, cancellation, refunds, and payment disputes for these subscriptions are governed by Apple’s and Google’s policies, not by Settlemate. When you subscribe, you are entering into a billing relationship with Apple or Google, and your subscription is subject to:
9.2 What Apple and Google Handle. Apple and Google (not Settlemate) provide and operate the following for subscriptions purchased through their platforms:
9.3 How to Manage or Cancel Your Subscription.
9.4 How to Request a Refund.
For all refund requests, please contact Settlemate first at support@settlemate.io or through the in-app help center. We review every request and will assist you. Where the refund must be processed by Apple or Google under their respective platform policies, we will help you understand the next steps. Final refund authority for App Store and Google Play purchases rests with Apple or Google, respectively, in accordance with their refund procedures. See our Refund Policy and Money-Back and Performance Guarantee for additional terms.
9.5 Success-Based Fees. Separately from subscriptions, Settlemate may charge a success-based fee on certain recovery Services (for example, on recovered price-adjustment refunds), unless waived by promotion or partnership. Where any success-based fee applies, the percentage, the recovery types it applies to, the calculation methodology, and the timing of collection will be disclosed in a clear and conspicuous manner before you opt in to the relevant feature, and your express affirmative consent will be obtained. You will never be charged a success-based fee unless the applicable Service results in an actual payout, credit, refund, or tangible benefit received by or on behalf of you, and the fee was disclosed to you in advance.
9.6 Pricing Changes. Pricing for subscriptions is set by Settlemate and may change from time to time. For App Store and Google Play subscriptions, price changes are processed and disclosed to you by Apple or Google in accordance with their policies, including any consent or notification flows their platforms require. Settlemate may also adjust success-based-fee percentages or other paid-Service pricing with appropriate notice where required by law.
9.7 Statutory Rights Preserved. Nothing in this Section 9 limits any non-waivable statutory right you have under applicable consumer-protection law, including any rights provided under the federal Restore Online Shoppers’ Confidence Act, the California Automatic Renewal Law (Bus. & Prof. Code §§ 17600 et seq.), or other applicable state automatic-renewal statutes.
9.8 No Evasion of Success Fees. You agree not to evade, avoid, reverse, charge back, offset, or circumvent success-based fees owed to Settlemate for Services that generated or materially assisted with a recovery. We may suspend or terminate accounts associated with documented (not suspected) bad-faith chargebacks, fraudulent payment methods, or attempts to manipulate refund or guarantee rules.
9.9 Refund Policy and Guarantee Incorporated. Our Refund Policy and Money-Back and Performance Guarantee are incorporated into these Terms by reference and control for covered refund and guarantee questions. Except as expressly stated in those policies, applicable offer terms, or applicable law, fees are non-refundable.
Payment or reward disbursement may be facilitated through methods such as direct deposit, ACH, PayPal, Plaid, gift card issuance, statement credit, merchant credit, settlement-administrator payment, paper check, third-party processor, or other payment method depending on the claim, refund, settlement, promotion, or recovery opportunity.
Settlemate does not guarantee that any payout method will be available for any particular claim or user. Third parties may require identity verification, tax forms, address verification, account validation, payment credentials, or additional documentation before issuing payment.
Unless expressly stated otherwise in writing, Settlemate does not hold recovered funds as a trustee, escrow agent, fiduciary, bank, or money transmitter. Recoveries may be paid directly by third-party administrators, merchants, processors, or platforms. If Settlemate helps facilitate a payment, we may rely on third-party payment providers and may be unable to control timing, method, fees, reversals, compliance checks, holds, or rejected payments.
You are responsible for providing accurate payout information and for any tax consequences related to payments, recoveries, rewards, rebates, refunds, settlement distributions, or other benefits. Settlemate does not provide tax advice.
If a payment is returned, rejected, undeliverable, reversed, suspected of fraud, or subject to conflicting claims, Settlemate or the relevant third party may delay, cancel, reverse, reissue, or withhold the payment as permitted by law and applicable program rules.
You may choose to link a bank or card account to Settlemate to enable purchase-based opportunity detection (such as identifying refundable charges or eligible price-adjustment opportunities) and to facilitate certain payouts. Account linking is provided through Plaid Inc., an independent financial-data infrastructure provider that powers account connections for many leading financial applications, including Coinbase, Robinhood, Venmo, SoFi, and many others.
How Plaid Works. When you link a financial account, you do so through Plaid’s secure connection flow. Plaid is the system of record for the underlying financial-account data and is responsible for hosting, encrypting, and securing it using bank-level encryption and security practices. Plaid’s relationship with you is governed by Plaid’s End User Privacy Policy, available at https://plaid.com/legal/. By linking an account, you agree to Plaid’s End User Privacy Policy in addition to these Terms.
What Settlemate Receives and Stores. Settlemate receives and stores only the limited transaction metadata necessary to identify recovery opportunities — specifically, a Plaid item token (which lets Settlemate request matched data from Plaid on your behalf), merchant names, and transaction amounts. Settlemate does not store or have access to your account numbers, routing numbers, account balances, full transaction history, account credentials, or any other underlying financial-account data on Settlemate’s own servers. Those data elements remain with Plaid and your financial institution.
Security. Underlying financial-account data is hosted and secured by Plaid using bank-level encryption (the same security infrastructure Plaid provides to leading financial apps). Plaid maintains industry-recognized security certifications and uses encrypted connections to financial institutions. Settlemate’s own systems separately encrypt the limited transaction metadata we receive.
Disconnection. You can disconnect a Plaid-linked account at any time through your Settlemate account settings or directly through Plaid at https://my.plaid.com/. Disconnection terminates further data flow from Plaid to Settlemate, and the Plaid item token Settlemate held becomes invalid. Settlemate will delete the Plaid-derived transaction metadata it holds within 90 days after disconnection, except as required by law (for example, retention of records associated with a completed recovery for tax or fraud-prevention purposes).
Limitations. Plaid availability depends on your financial institution and Plaid’s coverage. Settlemate does not guarantee that Plaid will support any particular institution, that Plaid-derived data will be complete or accurate, or that any particular transaction will be matched to an opportunity. Settlemate is not responsible for outages, delays, errors, or data issues that originate with Plaid or your financial institution.
Settlemate may provide access to partner offers, affiliate offers, merchant promotions, rewards-based engagements, discounts, financial tools, or third-party services. We may receive compensation, referral fees, affiliate revenue, marketing fees, success fees, or other consideration from third parties in connection with certain offers, links, referrals, programs, or user actions. Where required by the FTC Endorsement Guides, 16 C.F.R. Part 255, we will identify content as sponsored, paid, or affiliate where applicable.
Unless expressly stated otherwise, partner offers and third-party programs are provided by third parties, not Settlemate. Offer availability, eligibility, pricing, rewards, payout timing, cancellation, product performance, customer support, and disputes are governed by the applicable third party’s terms, privacy policy, and program rules.
Settlemate does not guarantee the availability, accuracy, legality, quality, suitability, safety, performance, or value of any third-party offer, product, service, promotion, reward, payment method, or program. We are not responsible for losses, damages, fees, dissatisfaction, denied rewards, reversed credits, account issues, or disputes arising from your interaction with third-party offers or services.
You agree to use the Service only for lawful and authorized purposes. You must not:
Violation of this section may result in account suspension, termination, forfeiture of promotional benefits, denial of refund or guarantee claims, legal action, and notification to relevant authorities, administrators, merchants, payment processors, platforms, or affected third parties.
You may upload or provide documents, screenshots, receipts, account information, identity information, claim information, communications, forms, images, text, feedback, and other materials to the Services (“User Content”). You retain ownership of your User Content, subject to the rights you grant us in these Terms.
You grant Settlemate a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to access, host, store, reproduce, process, analyze, transmit, display, modify, extract data from, create derivative operational outputs from, and otherwise use your User Content solely as reasonably necessary to provide, secure, improve, enforce, and support the Services; comply with law; prevent fraud; resolve disputes; and exercise rights under these Terms.
You represent and warrant that you have all rights, consents, permissions, and authority necessary to provide your User Content and to authorize Settlemate to process it. You are responsible for ensuring that your User Content is accurate, lawful, complete, and not misleading.
Settlemate may remove, reject, suppress, flag, or decline to process User Content that appears inaccurate, incomplete, fraudulent, unauthorized, abusive, unlawful, harmful, irrelevant, or inconsistent with these Terms.
The Service may contain links to third-party websites, services, or offers, including partner promotions, affiliate merchants, settlement administrators, claim administrators, retailers, payment processors, app stores, financial institutions, identity-verification providers, communications providers, and other third parties.
We provide these links and integrations as a convenience but do not control or endorse their content, policies, requirements, availability, accuracy, security, or practices.
If you engage with third-party offers, promotions, payments, platforms, processors, administrators, or services, your interactions are governed by their terms, privacy practices, and program rules. Settlemate bears no responsibility for any losses, damages, denied claims, denied refunds, delayed payouts, reversed payments, unavailable offers, account closures, fees, tax consequences, dissatisfaction, data practices, or disputes arising from third-party products, services, websites, platforms, processors, administrators, or programs.
Settlemate may rely on third-party data, public settlement information, merchant information, administrator information, user-provided information, connected-account information, and other sources that may be incomplete, inaccurate, delayed, expired, or changed without notice. Settlemate is not responsible for errors, omissions, delays, or changes in third-party information.
Settlemate may use automated tools, rules-based systems, machine learning, OCR, document parsing, inbox classification, fraud detection, data matching, ranking systems, recommendation systems, AI-assisted drafting, AI-assisted search, and human review to provide and improve the Services.
AI-assisted outputs may be inaccurate, incomplete, outdated, or unsuitable for your situation. Settlemate does not guarantee that AI-assisted outputs will identify every opportunity, correctly classify every email, accurately extract every data field, meet every claim requirement, or produce a successful outcome.
Where legally significant decisions, claim certifications, sworn statements, e-signatures, or sensitive submissions require user review, third-party review, or human review, Settlemate may require additional approval, e-signature, certification, or documentation before proceeding.
You agree that Settlemate is not obligated to disclose confidential or proprietary details of its algorithms, models, prompts, workflows, scoring systems, risk systems, fraud systems, automation logic, or internal decision-making processes, except as required by applicable law.
Our Privacy Policy explains how we collect, use, retain, protect, and disclose personal information. By using the Services, you consent to our collection, use, retention, and disclosure of information as described in the Privacy Policy.
By using the Services, you consent to receive transactional emails, in-app messages, push notifications, account notices, service notices, claim-status messages, billing notices, refund notices, security notices, and other communications necessary or useful to provide the Services. Transactional or relationship messages may include messages that facilitate, complete, confirm, or update you about an already-agreed transaction, account, subscription, claim, refund, recall, settlement, payout, or ongoing Service relationship.
Where you provide a phone number for a specific purpose (such as account verification, two-factor authentication, billing notifications, or claim-status updates), you may receive transactional calls or texts directly relating to that purpose, subject to applicable law. Transactional texts may include claim updates, account alerts, security notices, billing notices, cancellation notices, refund notices, or other service-related messages tied to the relationship you have established with Settlemate. You may opt out of texts by replying STOP where supported or by contacting support, but opting out may limit your ability to receive certain Service-related notices.
Providing a phone number or accepting these Terms does not constitute consent to receive marketing text messages. Settlemate will obtain separate, clear, written, signed, opt-in consent for marketing SMS or automated/prerecorded marketing calls where required by law (including the Telephone Consumer Protection Act, 47 U.S.C. § 227, and FCC implementing rules), through an unambiguous opt-in disclosure that is not bundled with these Terms and not pre-checked. Such consent will not be a condition of purchasing goods or Services.
Marketing emails will include accurate sender and subject-line information, a valid physical postal address, and a clear mechanism to opt out of future marketing emails. Settlemate will honor marketing-email opt-out requests within the legally required period and will not charge a fee or require unnecessary information to process such requests.
Marketing communications are subject to your separate choices where required by law. You may opt out of marketing emails by using the unsubscribe mechanism provided. Opting out of marketing communications does not prevent us from sending transactional, legal, security, billing, claim-status, cancellation, refund, or service-related messages.
By using the Services, you consent to transact electronically with Settlemate. You agree that electronic records, electronic notices, electronic communications, electronic authorizations, clickwrap acceptances, checkbox consents, account-setting actions, digital signatures, typed signatures, and e-signatures may be used in connection with the Services and will satisfy any legal requirement that a communication, authorization, contract, disclosure, record, or signature be in writing, to the fullest extent permitted by applicable law.
You confirm that you have access to hardware and software that allows you to receive, access, print, and retain electronic records, including a computer or mobile device, internet access, an active email account, and software capable of viewing web pages and PDF or similar files.
You may withdraw consent to electronic communications by contacting support@settlemate.io, but withdrawal may prevent Settlemate from providing certain Services and may result in account limitation or termination. You may request paper copies of certain legal notices by contacting us, and we may charge a reasonable fee where permitted by law.
When a claim, settlement filing, form, certification, declaration, or other submission requires your e-signature, you are responsible for reviewing the relevant materials and applying your e-signature only if the information is accurate and you are authorized to certify or submit it.
All content, code, visuals, text, design, trademarks, service marks, logos, graphics, interfaces, workflows, databases, models, prompts, algorithms, data structures, claim-detection logic, automation systems, ranking systems, software, technology, and other materials associated with Settlemate are the exclusive property of Settlemate, Inc. or its licensors.
You may not use, reproduce, distribute, modify, publicly display, publicly perform, create derivative works from, sell, sublicense, scrape, reverse engineer, or otherwise exploit any portion of the Service without express written consent from Settlemate.
Any feedback, feature suggestions, ideas, bug reports, comments, improvements, or user-generated suggestions you provide may be used by Settlemate without restriction. You grant Settlemate a perpetual, irrevocable, worldwide, royalty-free, fully paid, sublicensable, transferable license to use, reproduce, modify, distribute, display, perform, commercialize, and otherwise exploit such feedback for any purpose without compensation, attribution, or obligation to you.
You agree not to use Settlemate’s name, trademarks, logos, branding, screenshots, product images, or marketing materials without our prior written consent, except as permitted by law.
Settlemate respects intellectual property rights. If you believe content available through the Services infringes your copyright or other intellectual property rights, please contact us at support@settlemate.io with enough information for us to identify the allegedly infringing material, your contact information, and a statement explaining your claim.
We may remove, restrict access to, or disable content that we believe may infringe third-party rights or violate these Terms. We may also suspend or terminate accounts of users who repeatedly submit, upload, or transmit infringing material or other content that violates third-party rights.
If you access or purchase the Services through Apple’s App Store, Google Play, or another third-party app marketplace or distribution platform, your use of the app may also be subject to that platform’s terms, rules, and policies. Platform terms may control certain billing, cancellation, refund, installation, device, update, and usage issues.
Apple App Store Terms. If you download or use any Settlemate mobile application from Apple’s App Store, the following additional terms apply:
We reserve the right to suspend, disable, limit, or terminate your access to the Service at any time, with or without prior notice, if we believe you have violated these Terms, created legal risk, submitted false or fraudulent information, abused the platform, misused promotions or guarantees, initiated excessive chargebacks, failed to pay amounts owed, compromised platform integrity, created security risk, violated third-party rules, or otherwise posed a risk to Settlemate, users, vendors, administrators, merchants, payment processors, platforms, or third parties.
You may also request deletion of your account at any time by contacting support@settlemate.io, subject to our Privacy Policy, legal obligations, fraud-prevention needs, pending claims, payment obligations, recordkeeping obligations, and legitimate business purposes.
Termination of the account does not release you from obligations incurred prior to the effective date of termination, including payment obligations, fee obligations, indemnity obligations, dispute-resolution obligations, restrictions on use, or obligations arising from claims submitted through the Services.
Upon termination, your right to access and use the Services ends immediately. Settlemate may retain records as described in the Privacy Policy and may continue processing information where reasonably necessary to complete pending transactions, comply with law, prevent fraud, resolve disputes, enforce agreements, or protect rights and safety.
The Service is provided “as is” and “as available” without warranties of any kind, express or implied. Settlemate disclaims all warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We make no guarantees regarding eligibility detection accuracy, claim approval, refund recovery, price-adjustment recovery, payout timing, payout amount, third-party communication, third-party administrator response, merchant response, court approval, settlement availability, recall availability, documentation sufficiency, data accuracy, uninterrupted access, error-free operation, or compatibility with any account, device, platform, inbox, payment method, or third-party service.
Your use of the Service is at your sole risk. Settlemate does not provide legal advice, and use of our tools should not be interpreted as forming an attorney-client relationship.
SETTLEMATE DOES NOT GUARANTEE THAT ANY CLAIM, RECOVERY, REFUND, REBATE, SETTLEMENT FILING, PRICE-ADJUSTMENT REQUEST, BENEFIT, REWARD, OR OPPORTUNITY WILL BE AVAILABLE, ACCEPTED, SUBMITTED, APPROVED, PAID, PAID IN FULL, PAID ON TIME, OR PAID THROUGH ANY PARTICULAR METHOD. THIRD-PARTY ADMINISTRATORS, COURTS, MERCHANTS, RETAILERS, FINANCIAL INSTITUTIONS, PROCESSORS, PLATFORMS, AND OTHER THIRD PARTIES CONTROL MANY OUTCOMES OUTSIDE SETTLEMATE’S REASONABLE CONTROL.
NO INFORMATION PROVIDED THROUGH THE SERVICES SHOULD BE TREATED AS LEGAL, TAX, FINANCIAL, CREDIT, INVESTMENT, DEBT-SETTLEMENT, CREDIT-REPAIR, OR PROFESSIONAL ADVICE. YOU SHOULD CONSULT QUALIFIED PROFESSIONALS WHERE APPROPRIATE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SETTLEMATE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, ENHANCED, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF INCOME, LOST PROFITS, LOST REVENUE, LOST OPPORTUNITY, CLAIM DENIAL, MISSED DEADLINE, DELAYED PAYOUT, REDUCED PAYOUT, REVERSED PAYMENT, DATA LOSS, LOSS OF GOODWILL, EMOTIONAL DISTRESS, BUSINESS INTERRUPTION, ACCOUNT CLOSURE, OR THIRD-PARTY DISPUTE, ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SETTLEMATE’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO SETTLEMATE DURING THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100). THIS CAP APPLIES TO ALL DISPUTES ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, INCLUDING DISPUTES ABOUT AMOUNTS OWED UNDER OUR REFUND POLICY OR MONEY-BACK AND PERFORMANCE GUARANTEE. REFUNDS ACTUALLY OWED UNDER THOSE POLICIES WILL BE PAID ACCORDING TO THOSE POLICIES; THIS CAP LIMITS SETTLEMATE’S LIABILITY FOR DAMAGES, NOT CONTRACTUALLY OWED REFUNDS.
THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND APPLY WHETHER THE CLAIM IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, STATUTE, EQUITY, OR ANY OTHER LEGAL THEORY, EVEN IF SETTLEMATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME LIMITATIONS MAY NOT APPLY TO YOU. IN THOSE JURISDICTIONS, SETTLEMATE’S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR PERSONAL INJURY OR DEATH CAUSED BY NEGLIGENCE.
YOU ACKNOWLEDGE THAT THE LIMITATIONS IN THIS SECTION 24 ARE A FUNDAMENTAL PART OF THE BARGAIN AND THAT SETTLEMATE WOULD NOT PROVIDE THE SERVICES ON THESE TERMS WITHOUT THEM.
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Settlemate, Inc., its affiliates, officers, directors, employees, contractors, agents, licensors, vendors, service providers, successors, and assigns from and against any claims, demands, actions, losses, liabilities, damages, judgments, settlements, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
Settlemate reserves the right to control the defense of any matter subject to indemnification, and you agree to cooperate with our defense. You may not settle any indemnified claim without Settlemate’s prior written consent if the settlement imposes obligations on Settlemate, admits fault by Settlemate, or affects Settlemate’s rights.
To the maximum extent permitted by law, you release Settlemate from claims, demands, damages, losses, and liabilities arising from or related to third-party settlements, administrators, merchants, retailers, financial institutions, payment processors, app stores, platforms, law firms, partner offers, affiliate offers, websites, products, services, or programs.
If you are a California resident, you waive California Civil Code Section 1542 to the extent permitted by law, which provides that a general release does not extend to claims the releasing party does not know or suspect to exist in their favor at the time of executing the release, which if known would have materially affected their settlement with the released party.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement below.
Any disputes that are not subject to arbitration shall be resolved exclusively in the state or federal courts located in New Castle County, Delaware, and you agree to waive any objection to such venue, including without limitation any objection based on inconvenient forum or lack of personal jurisdiction.
If a court of competent jurisdiction holds that venue in Delaware is unenforceable as to a particular dispute, that dispute shall proceed exclusively in the state or federal courts located in San Francisco County, California, and you consent to the personal jurisdiction and venue of those courts as a fallback forum.
Either party may bring an individual claim in small-claims court in the claimant’s state of residence, if the claim qualifies and remains in that court.
Nothing in these Terms limits any non-waivable rights you may have under the laws of your state of residence, including without limitation any non-waivable consumer-protection right under California law.
Before either party initiates arbitration or court proceedings, the party raising the dispute must first send the other party a written notice describing the dispute, the facts supporting the dispute, the requested relief, and contact information for the complaining party. The notice must be personally signed by the claimant (or by Settlemate’s authorized representative) — not by counsel and not co-signed with any other party. Notices to Settlemate must be sent to support@settlemate.io and to Settlemate, Inc., 8 The Green St. STE B, Dover, DE 19901.
Required Contents of Pre-Dispute Notice. A pre-dispute notice must include all of the following to commence the informal-resolution period and to be a procedurally valid prerequisite to arbitration:
A notice that omits any of the foregoing is procedurally deficient. The 60-day informal-resolution period below shall not commence until a compliant notice is received. The disclosures required by subsections (k) and (l) are intended to enable good-faith assessment of the dispute and to enable any arbitrator to screen for fraud, abuse, or improper purpose.
The parties will attempt in good faith to resolve the dispute informally for sixty (60) days after receipt of a compliant notice. During this informal period, either party may request a phone or video conference. The statute of limitations and any filing-fee deadlines will be tolled during the informal-resolution period to the extent permitted by law.
This informal process does not prevent either party from seeking urgent injunctive relief where necessary to prevent imminent harm, security risk, intellectual-property misuse, fraud, or unauthorized access. Compliance with this Section 28 is a condition precedent to filing an arbitration; the arbitrator may dismiss any arbitration filed without compliance.
By using the Service, you agree that any legal claim or dispute between you and Settlemate shall be submitted to binding individual arbitration before the American Arbitration Association (“AAA”), under its applicable Consumer Arbitration Rules, after completion of the informal dispute-resolution process described above.
The arbitration shall be held remotely by video, phone, or document submission unless the arbitrator determines that an in-person hearing is necessary. If an in-person hearing is required, it will take place in New Castle County, Delaware, or another location required by applicable law or AAA rules. If a court of competent jurisdiction holds that the Delaware in-person venue is unenforceable as to a particular dispute, the in-person hearing for that dispute shall take place in San Francisco County, California.
CLASS-ACTION WAIVER. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND SETTLEMATE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PARTY IN ANY CLASS, COLLECTIVE, REPRESENTATIVE, CONSOLIDATED, OR PRIVATE-ATTORNEY-GENERAL ACTION. NO ARBITRATION OR COURT PROCEEDING MAY BE JOINED WITH ANOTHER PROCEEDING, AND NO ARBITRATOR MAY PRESIDE OVER ANY CLASS, COLLECTIVE, REPRESENTATIVE, CONSOLIDATED, PRIVATE-ATTORNEY-GENERAL, OR MULTI-CLAIMANT PROCEEDING, EXCEPT TO THE EXTENT THIS WAIVER IS FOUND UNENFORCEABLE UNDER APPLICABLE LAW.
JURY-TRIAL WAIVER. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND SETTLEMATE WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES.
Small Claims. Either party may bring an individual claim in small claims court if the claim qualifies and remains in that court. Either party may also seek injunctive or equitable relief in court for intellectual-property misuse, unauthorized access, security incidents, fraud, or misuse of the Services.
California Public Injunctive Relief. Nothing in these Terms waives a California resident’s right to seek public injunctive relief in court where such waiver would be unenforceable under California law (see McGill v. Citibank, N.A., 2 Cal. 5th 945 (2017)). Any claim for public injunctive relief that cannot lawfully be arbitrated or waived will be severed from arbitration and may proceed in court after the arbitration of arbitrable individual claims is completed, unless applicable law requires otherwise.
Arbitration Opt-Out. You may opt out of this arbitration agreement within 30 days after first accepting these Terms by sending written notice to support@settlemate.io with the subject line “Arbitration Opt-Out” or by mail to Settlemate, Inc., 8 The Green St. STE B, Dover, DE 19901. Your opt-out notice must include your name, account email address, mailing address, and a clear statement that you wish to opt out of arbitration. Opting out of arbitration will not affect any other part of these Terms.
Mass Arbitration. If 25 or more similar arbitration demands are filed by or with the assistance of the same law firm, group of law firms, coordinated counsel, claims service, or other coordinated process, the following mass-arbitration procedures will apply unless prohibited by applicable law or unless AAA requires materially different procedures:
Pre-Merits Threshold Review for Good Faith. As a threshold matter and prior to merits adjudication of any arbitration, the arbitrator is authorized to consider, on the arbitrator’s own motion or on motion of a party, whether the dispute was brought in good faith or bears indicia of fraud, abuse, or improper purpose. In conducting such review, the arbitrator may consider, without limitation, the disclosures provided pursuant to the Required Contents of Pre-Dispute Notice in Section 28, the specificity and accuracy of the pre-dispute notice, the conduct of the parties during the informal-resolution period, the existence of substantively similar claims previously filed by the claimant or the claimant’s counsel against Settlemate or any other party, and any other information relevant to the good faith of the dispute. If the arbitrator finds, by a preponderance of the evidence, that the dispute was brought in bad faith or for improper purpose, the arbitrator may dismiss the dispute and may award reasonable fees and costs to Settlemate, in each case to the maximum extent permitted by applicable law and AAA rules. Nothing in this Section limits a claimant’s ability to assert a good-faith dispute on the merits.
Severability of Class-Action Waiver. The class-action waiver in this Section 29 is non-severable from the arbitration agreement. If the class-action waiver is found unenforceable as to a particular dispute or particular relief, the entire arbitration agreement shall be null and void as to that dispute, which shall instead proceed in a court of competent jurisdiction in accordance with Section 27, subject to all other terms of these Terms. Severance of the class-action waiver from the arbitration agreement is not permitted under any circumstances.
Severability of Other Provisions. If any part of this arbitration agreement other than the class-action waiver is found unenforceable, the unenforceable portion will be severed to the extent possible, and the remainder will remain in effect.
Settlemate may modify these Terms at any time. If material changes are made, we will notify users via email, through the Service, at checkout, or by another legally sufficient method.
Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Service.
Changes to arbitration terms will not apply to disputes for which the parties have already received a valid dispute notice under Section 28 unless both parties agree. If Settlemate materially changes the arbitration agreement after you first accept these Terms, Settlemate will provide notice where required and you will have a new 30-day opportunity to opt out of the materially changed arbitration terms by following the opt-out procedure stated above.
You may not assign, transfer, delegate, or sublicense these Terms or your rights or obligations under these Terms without Settlemate’s prior written consent. Settlemate may assign, transfer, or delegate these Terms or any rights or obligations in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, change of control, or by operation of law.
Settlemate will not be liable for any delay, failure, interruption, outage, data loss, missed opportunity, inability to submit, inability to process, inability to communicate, or other failure caused by events outside our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, vendor failures, payment-processor failures, platform outages, cloud-provider outages, government actions, court actions, administrator outages, changes in law, cybersecurity incidents, public-health emergencies, power failures, or other force majeure events.
California Electronic Commerce Notice. Under California Civil Code Section 1789.3, California consumers are entitled to the following information:
New Jersey Notice. To the extent any provision of these Terms would be unenforceable as to a New Jersey resident under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act, N.J.S.A. 56:12-14 et seq., or other applicable New Jersey law, that provision is intended to be inapplicable to New Jersey residents only to the extent of the unenforceability and will remain enforceable as to all other users and jurisdictions to the maximum extent permitted by law.
Non-Waivable Rights. Nothing in these Terms limits any rights that cannot be waived under applicable consumer-protection, privacy, electronic-commerce, automatic-renewal, app-store, or other laws.
If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid, illegal, or unenforceable provision will be modified or severed to the minimum extent necessary to make it valid and enforceable.
Settlemate’s failure to enforce any provision of these Terms is not a waiver of that provision or any other provision. Any waiver must be in writing and signed by Settlemate.
These Terms, together with the Privacy Policy, Refund Policy, Money-Back and Performance Guarantee, and any applicable supplemental terms or offer terms, constitute the entire agreement between you and Settlemate regarding the Services and supersede all prior or contemporaneous agreements, understandings, communications, and proposals regarding the Services.
Any provisions that by their nature should survive termination will survive, including provisions concerning fees, payment obligations, user responsibilities, license restrictions, intellectual property, feedback, disclaimers, limitation of liability, indemnification, release, dispute resolution, arbitration, governing law, privacy-related obligations, and any rights or obligations accrued before termination.
If you have questions, concerns, legal notices, dispute notices, arbitration opt-outs, copyright complaints, or feedback regarding these Terms, please contact us at:
Settlemate, Inc.
8 The Green St. STE B
Dover, DE 19901
Email: support@settlemate.io
