Terms of Service

• You must provide accurate, complete, and current information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must be at least 18 years old or the age of majority in your jurisdiction
• You must have the authority to enter into this agreement on behalf of your organization

• You are solely responsible for all activities under your account
• You must notify us immediately of any unauthorized access or security breach
• We reserve the right to suspend or terminate accounts that violate these Terms

• Business accounts require valid business information and authorization
• Multiple users may be associated with a single organization account
• Organization administrators are responsible for managing user access and permissions

You may use SettleWise for legitimate business purposes including:

• Processing and reconciling business payments
• Managing customer invoices and payment tracking
• Generating financial reports and analytics
• Integrating with authorized third-party services

You may not use SettleWise to:

• Process payments for illegal activities or prohibited businesses
• Violate any applicable laws, regulations, or third-party rights
• Transmit malware, viruses, or other harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use the Service for money laundering, terrorist financing, or other financial crimes
• Process payments for adult content, gambling, or other restricted industries
• Reverse engineer, decompile, or attempt to extract source code
• Use automated systems to access the Service without authorization

• SettleWise offers various subscription plans with different features and pricing
• Subscription fees are billed in advance on a monthly basis
• Refunds are governed by our Refund Policy

• You authorize us to charge your designated payment method for all applicable fees
• If payment fails, we may suspend your account until payment is received
• You are responsible for keeping your payment information current

• Certain features may incur additional transaction-based fees
• All fees will be clearly disclosed before you incur them
• Transaction fees are typically charged monthly based on usage

• You are responsible for all applicable taxes related to your use of the Service
• Fees are exclusive of taxes unless otherwise stated

• You retain ownership of all data you submit to SettleWise
• We do not claim ownership of your business data, customer information, or financial records
• You grant us a limited license to process your data to provide the Service

• We process your data in accordance with our Privacy Policy
• You consent to our processing of data necessary to provide the Service
• We implement appropriate security measures to protect your data

• We retain your data for as long as your account is active
• After account termination, we may retain data as required by law or for legitimate business purposes
• You may request data deletion subject to legal and regulatory requirements

• SettleWise integrates with various third-party services (QuickBooks, banks, payment processors)
• You are responsible for maintaining valid accounts and authorizations with these services
• We are not responsible for the availability or functionality of third-party services

• Integration requires sharing certain data with third-party services
• You consent to necessary data sharing to enable integrations
• Third-party services are governed by their own terms and privacy policies

• SettleWise and all related trademarks, logos, and intellectual property are owned by us
• The Service, including software, algorithms, and user interfaces, is protected by intellectual property laws
• You may not use our intellectual property without written permission

• You retain rights to content you create using the Service
• You grant us a license to use, modify, and display your content as necessary to provide the Service
• You represent that you have the right to grant these licenses

• We strive to maintain high availability but do not guarantee uninterrupted service
• Scheduled maintenance will be communicated in advance when possible
• We provide support through email and our online help center

• We may update the Service to improve functionality, security, or compliance
• Major changes will be communicated to users in advance
• Continued use of the Service constitutes acceptance of updates

• THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED

• IN NO EVENT SHALL SETTLEWISE BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM
• SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY, SO THESE LIMITATIONS MAY NOT APPLY TO YOU

• SettleWise provides tools and information but does not provide financial advice
• You are solely responsible for financial decisions made using our Service
• We recommend consulting with qualified professionals for financial advice

• You may terminate your account at any time through your account settings
• Termination does not relieve you of payment obligations for services already provided
• You may request data export before termination

We may suspend or terminate your account if:

• You violate these Terms or our policies
• Your account becomes inactive for an extended period
• We are required to do so by law or regulation
• You fail to pay applicable fees

• Upon termination, your right to use the Service ceases immediately
• We may delete your data after a reasonable period following termination
• Provisions that should survive termination will remain in effect

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SettleWise regarding the Service.

We may modify these Terms at any time by posting updated Terms on our website. Continued use of the Service constitutes acceptance of modified Terms.

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

You may not assign your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, government actions, or network failures.