Terms & Conditions
Last updated: 2026
1. What Settle is
Settle provides software tools and information to help you review, request, and settle your own unsecured debts. Settle is not a lender, creditor, debt collector, debt-settlement or debt-relief service, law firm, money transmitter, or tax advisor. We do not act on your behalf with your creditors. You authorize and initiate every communication and make every decision yourself.
2. No custody of funds
Settle never holds, accumulates, or disburses your money. When you choose to pay a creditor, funds move directly from your own account to the creditor over a licensed payment rail. Settle maintains no balance, escrow, or payout account on your behalf.
3. No outcomes guaranteed
Using Settle does not guarantee that any creditor will accept a request or offer a particular settlement. Results depend on your creditors and your circumstances. Settling a debt may have tax and credit consequences.
4. Subscriptions & billing
Settle offers a free self-service tier and a paid full-service subscription billed at a flat monthly price. We never charge a percentage of your debt or your savings. You may cancel at any time; cancellation takes effect at the end of the current billing period.
5. Not legal, financial, or tax advice
Content in Settle is for informational purposes only and is not legal, financial, or tax advice. Consult a qualified professional about your situation.
6. Availability
Availability varies by state, and certain features may not be offered in your jurisdiction. We open a market only after it has been reviewed.
7. Contact
Questions about these terms? Email [email protected].