DebtSettle.ai – Terms & Conditions

1. Acceptance of These Terms

By accessing or using the DebtSettle.ai website, mobile application, browser extension, APIs, or any related services (collectively, the "Services"), you ("User," "you," or "your") agree to be bound by these Terms & Conditions ("Terms"). If you do not accept every provision, do not access or use the Services.

2. Who We Are

DebtSettle.ai ("DebtSettle," "Company," "we," "us," or "our") provides a self-directed debt-settlement tracking tool that allows users to organize, monitor, and manage their own creditor negotiations. DebtSettle.ai is not a law firm, debt-settlement company, credit-repair organization, or financial advisor. We do not negotiate with creditors on your behalf, nor do we provide legal, tax, investment, or credit counseling services.

3. Eligibility & Account Security

1. Minimum Age. You must be at least 18 years old (or the age of majority in your jurisdiction) and possess the legal capacity to enter a binding contract.
2. Accurate Information. You agree to provide and maintain truthful, complete, and current registration information.
3. Credentials. You are responsible for safeguarding your login credentials and any activity under your account. Notify us immediately at support@debtsettle.ai of unauthorized use.

4. User Content & License

1. Definition. "User Content" includes data you upload or input—e.g., creditor names, account balances, settlement notes, documents, comments, or feedback.
2. Your Rights. You retain all ownership rights in User Content.
3. License to Company. You grant DebtSettle a non-exclusive, worldwide, royalty-free license to host, display, analyze, and otherwise process User Content solely to provide and improve the Services.
4. Representations. You represent that (a) you own or have the necessary rights to submit User Content; (b) User Content and its use by DebtSettle do not violate any law or third-party right.

5. Permitted & Prohibited Conduct

You agree not to:

• Use the Services to commit, facilitate, or encourage unlawful conduct.
• Upload malicious code or attempt to gain unauthorized access to systems or accounts.
• Harvest or scrape data from the Services for commercial purposes without written permission.
• Misrepresent your identity, impersonate any person or entity, or fraudulently portray debt balances.
• Reverse-engineer, decompile, or attempt to derive source code except as expressly permitted by law.
• Interfere with, disrupt, or degrade the performance or security of the Services.

6. Third-Party Services & Integrations

Certain features may allow you to connect to calendars, cloud-storage providers, or other third-party platforms ("Third-Party Services"). Your use of any Third-Party Service is governed solely by that provider's terms and privacy practices. DebtSettle is not liable for acts or omissions of Third-Party Services.

7. Fees, Trials & Subscriptions

If we offer paid plans, pricing and payment terms will be presented at check-out or in your account dashboard and become part of these Terms. You authorize us (or our payment processor) to charge all applicable fees plus taxes to your selected payment method. All fees are non-refundable unless required by law or expressly stated otherwise.

8. Intellectual Property

1. DebtSettle IP. The Services, including software, visual interfaces, graphics, logos, and trademarks, are owned by DebtSettle or its licensors and protected by intellectual-property laws.
2. Limited License. Subject to these Terms, DebtSettle grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Services for your internal, non-commercial purposes.
3. Feedback. You grant DebtSettle a perpetual, irrevocable, royalty-free right to use and incorporate any suggestions or feedback you provide without compensation.

9. Disclaimers

1. No Professional Advice. The Services and any content or templates are provided "AS IS" for informational purposes only and do not constitute legal, financial, tax, or credit advice. Always consult a qualified professional before acting on information obtained through the Services.
2. Results Not Guaranteed. We do not guarantee that you will achieve any particular debt-settlement outcome, credit score improvement, or financial result.
3. Service Availability. We do not warrant that the Services will be uninterrupted, error-free, or secure; or that data loss will not occur.

10. Limitation of Liability

To the fullest extent permitted by law:

• Indirect Damages. DebtSettle shall not be liable for any indirect, incidental, consequential, punitive, or special damages (including lost profits, loss of data, or business interruption) arising out of or relating to the Services or these Terms, even if advised of the possibility.
• Cap on Liability. DebtSettle's total cumulative liability for any claim arising from or relating to the Services or these Terms shall not exceed (i) the total fees you paid to us in the 12 months preceding the event giving rise to liability, or (ii) one hundred U.S. dollars (US $100), whichever is greater.
• Exclusions. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such cases, the above limitations apply to the maximum extent allowed by law.

11. Indemnification

You agree to defend, indemnify, and hold harmless DebtSettle, its affiliates, officers, directors, employees, and agents from and against any third-party claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use or misuse of the Services; (b) your breach of these Terms; or (c) your violation of any law or third-party right.

12. Termination

1. By You. You may stop using the Services and/or delete your account at any time.
2. By Us. We may suspend or terminate your access immediately, with or without notice, if we believe you violated these Terms, engaged in fraudulent or illegal activities, or pose a risk to the Services or other users.
3. Effect of Termination. Sections 4 – 14 survive any termination.

13. Governing Law & Dispute Resolution

1. Law. These Terms and any dispute arising hereunder are governed by the laws of the State of California, USA, without regard to conflict-of-laws principles.
2. Mandatory Arbitration & Class-Action Waiver. Any dispute, claim, or controversy arising out of or relating to the Services or these Terms shall be resolved exclusively by binding arbitration administered by JAMS under its Streamlined Rules. You and DebtSettle waive any right to a jury trial and agree not to bring claims on a class, consolidated, or representative basis.
3. Venue. Arbitration shall take place in Orange County, California, unless the parties agree otherwise. Judgment on the award may be entered in any court of competent jurisdiction.

14. Modifications to These Terms

We may revise these Terms by posting an updated version on the Services. Material changes become effective 30 days after posting or on your earlier written acceptance. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

15. Miscellaneous

• Entire Agreement. These Terms, the Privacy Policy, and any additional terms presented within the Services constitute the entire agreement between you and DebtSettle.
• Severability. If any provision is held unenforceable, the remaining provisions remain in full force.
• Waiver. Failure to enforce any right or provision shall not constitute a waiver of future enforcement.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Force Majeure. DebtSettle is not liable for delays or failures caused by events beyond its reasonable control.

16. Contact