Terms of Service

These Terms govern your use of SETTLED. By creating an account or using the service, you agree to them.

What SETTLED is

SETTLED is a software tool that helps you analyze your own records — student loan files, credit reports, collection notices, banking registries, business credit, and similar documents — to surface potential factual discrepancies and inconsistencies and organize the supporting evidence, all for your review. What you choose to do with the analysis is entirely up to you.

What SETTLED is not

SETTLED is not a law firm, does not provide legal advice, and does not create an attorney–client relationship. SETTLED is not a credit repair organization and does not repair credit on your behalf. We do not guarantee any removal, correction, approval, or outcome.

Your responsibilities

You are responsible for the accuracy of the information and documents you provide, for reviewing all findings, and for deciding how to use them. You agree to use SETTLED only for your own records or records you are authorized to review.

Payments

Paid plans are billed through Stripe. One-time scans are charged once; monthly plans renew until canceled. You can change or cancel anytime; access continues through the end of a paid period.

Limitation of liability

SETTLED is provided “as is.” To the maximum extent permitted by law, SETTLED is not liable for indirect or consequential damages arising from your use of the service or how you choose to use its findings.

Contact

Questions about these Terms? Reach us via the contact page.