Settlemate Terms of Service

Last Updated: May 17, 2025

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 (https://settlemate.io), mobile applications, email ingestion tools, claim automation platform, and any related technologies, products, or communications (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. 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.app.

1. Eligibility and Scope

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, or other entity, you represent and warrant that you are authorized to agree to these Terms on that entity's behalf, and that such 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 or region at our sole discretion.

2. Description of the Service

Settlemate is a technology platform designed to help individuals identify and claim compensation from class action settlements, product recalls, corporate refund programs, and similar recovery opportunities. Using proprietary algorithms and, when authorized by you, limited inbox access, Settlemate detects relevant claims and may assist in preparing and submitting application materials. Depending on the settlement and your preferences, claims may be submitted automatically or with your manual approval.

Settlemate may also provide access to partner offers, automated price adjustment tools, and rewards-based engagements with third-party vendors. Payment or reward disbursement may be facilitated through methods such as direct deposit, gift card issuance, PayPal, Plaid, or paper check, depending on the nature of the claim or promotion.

3. How It Works

When you sign up for Settlemate, you may choose to link your email inbox to enable automatic detection of relevant settlement opportunities. By granting inbox access, you authorize Settlemate to scan specific types of transactional messages—such as receipts, shipping confirmations, and notices—for the purpose of identifying and preparing legal claims. In some cases, we may request "send-as" permissions to contact settlement administrators, retailers, or claim agents on your behalf using templated and approved language.

Our platform may pre-fill settlement forms, upload documentation, or generate draft communications, depending on the claim requirements. In some cases, we may file claims for you without manual review if you have explicitly consented to automatic filing. You may revoke inbox access or disable automated claim submission at any time.

Settlemate does not guarantee eligibility, compensation, or approval for any particular claim. Final decisions regarding compensation are made solely by third-party administrators, retailers, courts, or claim-processing entities.

4. License and Permitted Use

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, license, decompile, reverse engineer, or otherwise modify any part of the Service or use it to build a competing product.

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.

5. Account Registration and Responsibilities

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, or create multiple accounts for deceptive purposes. If you become aware of any unauthorized use or suspected breach of security, you must notify us immediately at support@settlemate.app.

Settlemate reserves the right to suspend or terminate any account that appears to be compromised, inactive, or in violation of these Terms.

6. Consent to Inbox Processing and Automation

By linking an email inbox to your account, you authorize Settlemate to access, read, and parse relevant emails using secure, read-only methods. This includes analyzing receipts, shipping confirmations, settlement notices, and similar transactional content to detect potential legal claims. We will not access personal or unrelated communications, and we do not share or sell message contents for marketing purposes.

You may also authorize Settlemate to send emails from your address on your behalf for the limited purpose of submitting claims, requesting status updates, or communicating with claim administrators. All such messages are strictly scoped and logged.

You may revoke inbox access or disable automation at any time within your account settings or by contacting support. Revoking access will prevent Settlemate from continuing to offer certain services.

7. Claim Eligibility and Limitations

Settlemate provides a convenience layer to simplify the class action claim process but does not act as a legal representative or agent in any jurisdiction. We do not guarantee that any claim identified or submitted will result in a payout. Determinations regarding eligibility, documentation sufficiency, and compensation amount are made by the settlement administrator, not by Settlemate.

You are responsible for reviewing claim requirements, verifying the accuracy of information submitted, and confirming that you meet the criteria. Submitting fraudulent or knowingly false information may result in denial of the claim, loss of access to Settlemate, and potential legal consequences.

8. Fees, Payment, and Refunds

Some Settlemate services are provided on a paid basis, including premium subscriptions or contingency-based claims. For example, we may charge a 25% success-based fee on recovered price adjustment refunds unless waived by promotion or partnership. You will never be charged this fee unless a claim results in a successful payout or tangible benefit.

Settlemate reserves the right to adjust pricing, fee percentages, or subscription models with appropriate notice. If a claim is denied or a refund cannot be recovered due to factors outside your control, you may contact us to request a refund of any applicable fees.

We use third-party processors to manage payments and disbursements. All financial information is handled securely and in accordance with applicable financial regulations.

9. Acceptable Use and Platform Conduct

You agree to use the Service only for lawful and authorized purposes. You must not:

• Use the platform to submit knowingly false, deceptive, or fraudulent claims
• Interfere with the integrity, security, or availability of the Services
• Attempt to reverse engineer, copy, or replicate the platform's logic or infrastructure
• Use automated bots or scrapers to access the Service
• Harass, abuse, or threaten Settlemate staff or support personnel
• Operate an account on behalf of more than one individual unless through a verified partner agreement

Violation of this section may result in account suspension, legal action, and notification to relevant authorities.

10. Third-Party Content and Services

The Service may contain links to third-party websites, services, or offers, including partner promotions and affiliate merchants. We provide these links as a convenience but do not control or endorse their content, policies, or accuracy.

If you engage with third-party offers, promotions, or payments, your interactions are governed by their terms and privacy practices. Settlemate bears no responsibility for any losses, damages, or dissatisfaction arising from third-party products or services.

11. Intellectual Property

All content, code, visuals, text, design, trademarks, and underlying technology associated with Settlemate is the exclusive property of Settlemate, Inc. or its licensors. You may not use, reproduce, distribute, or modify any portion of the Service without express written consent. Any feedback, feature suggestions, or user-generated improvements become the property of Settlemate upon submission, without additional compensation.

12. Disclaimers

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, payout timing, or third-party communication.

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.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Settlemate shall not be liable for any indirect, incidental, special, punitive, or consequential damages—including but not limited to loss of income, claim denial, or data loss—arising from your use of the Service. In no event shall Settlemate's total liability to you exceed one hundred U.S. dollars ($100), regardless of the theory of liability.

14. Termination

We reserve the right to suspend, disable, or terminate your access to the Service at any time, without prior notice, if we believe you have violated these Terms or pose a risk to the platform's integrity. You may also request deletion of your account at any time. Termination of the account does not release you from obligations incurred prior to the effective date of termination.

15. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any disputes that are not subject to arbitration shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you agree to waive any objection to such venue.

16. Arbitration and Dispute Resolution

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. The arbitration shall be held in San Francisco, California, and both parties waive the right to a trial by jury or participation in any class action or representative proceeding, unless prohibited by applicable law.

You and Settlemate agree that any dispute resolution proceedings will be conducted only on an individual basis. If a claim is not subject to arbitration, it shall be brought exclusively in the courts located in San Francisco or Los Angeles, California.

17. Updates and Modifications

Settlemate may modify these Terms at any time. If material changes are made, we will notify users via email or through the Service. 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.

18. Contact Information

If you have questions, concerns, or feedback regarding these Terms, please contact us at:

Settlemate, Inc. Email: support@settlemate.app