Terms of Service

These Terms of Service ("Terms") constitute a binding agreement between you and Settlematic ("Settlematic," "we," "us," or "our") governing access to and use of our website, applications, APIs, and related services (collectively, the "Service").

By creating an account, accessing the Service, or clicking to accept these Terms during registration, you agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization.

If you do not agree to these Terms, you may not use the Service.

Settlematic provides software for creating and managing invoices, hosting client payment pages, detecting on-chain payments, configuring non-custodial sweep destinations, and related business operations including reporting, team access, and API integrations.

Settlematic is a technology platform. We do not provide legal, tax, accounting, or investment advice. You are solely responsible for compliance with applicable laws in your jurisdiction, including invoicing, tax reporting, anti-money laundering, and sanctions requirements.

You must provide accurate registration information and keep your account credentials confidential. You are responsible for all activity under your account. Notify us immediately at support@settlematic.com if you suspect unauthorized access.

We may suspend or terminate accounts that violate these Terms, pose security risks, or are used for fraudulent or unlawful activity. You may close your account at any time through settings or by contacting support.

• You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service.
• One person or legal entity may not maintain more than one free-tier account for abusive purposes.
• API keys and session tokens must be stored securely and must not be shared in public repositories.

Settlematic may generate payment addresses and monitor blockchains to detect incoming transactions associated with your invoices. Unless explicitly stated otherwise in a separate agreement, Settlematic does not take custody of your digital assets. Sweep destinations and treasury wallets are configured and controlled by you.

Blockchain transactions are irreversible. You acknowledge that quoted crypto amounts may fluctuate, that network fees and confirmation times vary by chain, and that Settlematic cannot guarantee payment completion, chain availability, or protection against user error (e.g., sending to the wrong address or asset).

You are responsible for verifying sweep destination addresses before saving them. Settlematic may implement cooldown periods on destination changes to reduce security risk.

Settlematic is currently offered without a published subscription fee. If we introduce paid plans in the future, we will disclose terms before you are charged.

Third-party fees (blockchain gas, payment processor charges, bank wires) are your responsibility.

You agree not to misuse the Service. Prohibited conduct includes, without limitation:

• Violating applicable laws, including sanctions, export controls, or financial regulations
• Processing payments for illegal goods or services, fraud, or money laundering
• Attempting to gain unauthorized access to systems, other accounts, or data
• Interfering with or disrupting the Service, including excessive API abuse
• Reverse engineering, scraping, or reselling the Service without written permission
• Misrepresenting your identity, business, or invoice recipients
• Uploading malware or harmful code through bulk imports or attachments

API access is subject to rate limits, scoped credentials, and documentation. You must not use the API in a manner that degrades Service performance for other customers.

Webhooks and third-party integrations (including AI assistants such as Claude) operate under your configuration. You are responsible for securing endpoints and validating payloads.

Settlematic retains all rights in the Service, including software, branding, and documentation. You retain ownership of your business data, invoice content, and client information.

You grant Settlematic a limited license to host, process, and display your content solely to provide and improve the Service. You may not use Settlematic trademarks without prior written consent.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant uninterrupted or error-free operation, accurate blockchain indexing at all times, or that the Service will meet your specific business requirements. Testnet and beta features may be offered without SLA guarantees.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SETTLEMATIC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

Our aggregate liability for any claims arising from or related to the Service shall not exceed the greater of (a) amounts you paid to Settlematic in the twelve months preceding the claim, or (b) one hundred U.S. dollars (USD $100).

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

You agree to indemnify and hold harmless Settlematic from claims, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service, your content, your violation of these Terms, or your violation of any third-party rights or applicable law.

Either party may terminate the agreement as permitted herein. Upon termination, your right to access the Service ends. We may retain certain data as described in our Privacy Policy and as required by law.

Provisions that by their nature should survive termination (including payment obligations, disclaimers, limitation of liability, and indemnification) will survive.

We may update these Terms from time to time. Material changes will be communicated via email, in-app notice, or by updating the "Last updated" date on this page. Continued use after changes become effective constitutes acceptance.

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your jurisdiction apply.

Disputes shall first be addressed through good-faith negotiation. If unresolved, disputes shall be resolved through binding arbitration or courts of competent jurisdiction in Delaware, unless prohibited by applicable law.

Questions about these Terms may be sent to support@settlematic.com with the subject line "Terms of Service."