Terms of Service

1. About Settle

Settle (“we”, “us”, “the platform”) provides non-custodial payment infrastructure. We give merchants tools to request, display, and reconcile stablecoin payments — such as USDC, USDT, and DAI — on supported public blockchain networks. We are software infrastructure. We are not a bank, money transmitter, money services business, payment processor, custodian, exchange, or financial institution, and we do not take possession or control of funds at any time.

By creating an account or using the service you agree to these terms, together with the Acceptable Use Policy, Privacy Policy, and Data Processing Addendum, each of which is incorporated by reference. If you do not agree, do not use the service.

2. Eligibility and your account

You must be at least 18 years old and legally capable of entering into this agreement. If you use the service on behalf of an organisation, you represent that you are authorised to bind it. You are responsible for the accuracy of your account information, for safeguarding your credentials and API keys, and for all activity that occurs under your account. Notify us promptly at [email protected] if you suspect unauthorised access.

3. Non-custodial nature of payments

All payments made through Settle transfer directly from the payer’s wallet to the merchant’s wallet on-chain. We never hold, receive, pool, control, or transmit these funds, and we never hold a private key. There is no account balance and nothing to withdraw.

You acknowledge that blockchain transactions are irreversible. Once a transfer is confirmed we cannot reverse, refund, recall, or recover it, and neither can anyone else. If you configure an incorrect payout address, funds sent to it are unrecoverable.

4. Merchant responsibilities

You are solely responsible for: (a) the accuracy of the payout wallet address and network you configure; (b) compliance with all laws applicable to your business, including tax, consumer protection, anti-money-laundering, licensing, and sanctions obligations; (c) the legality, quality, and delivery of the goods or services you sell; (d) the accuracy of your pricing, refund, and cancellation terms; and (e) the privacy notices and consents you owe your own customers. Verify your payout address carefully before going live.

5. Acceptable use

Your use of the service is subject to the Acceptable Use Policy, which prohibits, among other things, fraud, money laundering, sanctioned parties, and the sale of illegal goods. Breach of that policy is a material breach of these terms.

6. Fees

During the launch period Settle charges a 0% platform fee on payments. If fees are introduced they will be announced in advance and reflected on this site before taking effect, and continued use after that date constitutes acceptance. You remain responsible for on-chain network (gas) costs and for any costs charged by third parties such as wallet providers.

7. API, webhooks, and rate limits

API keys are issued to you and must not be shared or resold. We apply rate limits to public endpoints to protect platform stability and the finite unique-amount reconciliation space; you must not attempt to circumvent them. We may change, deprecate, or version API endpoints, and will give reasonable notice of breaking changes where practicable. Webhook delivery is best-effort with retries — you must design your integration to tolerate duplicate and out-of-order deliveries, and to verify the signature on every payload before acting on it.

8. Subscriptions and recurring payments

Because we cannot pull funds from a wallet, recurring billing operates on a renewal-link model: we notify the customer before each cycle and track subscription state. We do not guarantee that any renewal will be paid. You are responsible for the terms you present to subscribers, including renewal pricing and a clear cancellation path.

9. Refunds and disputes

Refunds are made by you, directly to your customer, and are entirely within your control. Our dispute tooling is a communication channel between merchant and customer; it does not adjudicate, arbitrate, or enforce any outcome, and we are not a party to your dispute. There are no chargebacks on the network, which protects you from that form of fraud but places the refund decision squarely with you.

10. Intellectual property

We retain all rights in the platform, its software, and its branding. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the service in accordance with these terms. You retain all rights in your own content and branding, and grant us only the licence needed to display it on your checkout pages, receipts, and payment links.

11. Third-party services and blockchain risk

The service depends on third parties we do not control, including blockchain networks, node and RPC providers, stablecoin issuers, wallet software, hosting, and email delivery. Networks may congest, halt, or reorganise; a stablecoin issuer may freeze tokens, migrate a contract, or fail to maintain its peg. We do not underwrite these risks and are not liable for losses arising from them.

12. Service availability and disclaimer of warranties

The service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant uninterrupted or error-free operation, nor the timeliness of settlement detection. Nothing in these terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

13. Limitation of liability

To the maximum extent permitted by law, Settle is not liable for indirect, incidental, special, consequential, or punitive damages, nor for loss of funds, data, revenue, profits, goodwill, or business opportunity, arising from or relating to your use of the service.

Our total aggregate liability for all claims relating to the service is limited to the greater of (a) the fees you paid us in the twelve months preceding the claim — which is zero during the 0% launch period — or (b) one hundred US dollars. Because we never custody funds, we are not liable for the loss of any payment, including one sent to a misconfigured address.

14. Indemnity

You will indemnify and hold harmless Settle and its personnel from any claim, loss, liability, or expense (including reasonable legal fees) arising from your use of the service, the goods or services you sell, your breach of these terms or the Acceptable Use Policy, or your violation of any law or third-party right.

15. Suspension and termination

You may stop using the service and close your account at any time. Because we hold no funds, closing an account never strands money. We may suspend or terminate access where we reasonably believe you have breached these terms or the Acceptable Use Policy, where required by law, or where continued provision presents unacceptable legal or security risk. Where practicable and lawful we will give notice and an opportunity to remedy. Sections that by their nature should survive termination — including intellectual property, disclaimers, liability, and indemnity — do so.

16. Governing law and dispute resolution

Before starting formal proceedings, you and Settle agree to try in good faith to resolve the dispute informally by writing to [email protected]. Nothing in these terms limits rights or remedies that cannot lawfully be limited, including mandatory consumer protections that apply where you live.

The governing law and forum will be the law and courts identified in any signed order form or separate agreement between you and us. If there is no separate agreement, applicable law determines the governing law and forum.

17. Changes to these terms

We may update these terms. Material changes will be announced on the site and, where we hold your email address, sent to you. Continued use after the effective date constitutes acceptance. If you do not accept a change, stop using the service and close your account.

18. Contact

General support: [email protected]. Legal notices: [email protected].