Terms of Service

Settlr is a business tool. It is for freelancers and agencies ("you," "the freelancer," "the account holder") who use it to send proposals, contracts and invoices to their own clients, and to collect payment. It is not aimed at consumers buying something for personal use.

By creating an account, you confirm you are at least 18 years old and are using Settlr for a genuine business or freelance purpose, not as a private individual's personal finance tool.

Settlr is a client portal: it lets you write a proposal, generate a contract from it once your client approves, send an invoice, and collect payment through Paystack — directly to your own bank account.

Settlr is not a bank, an escrow service, or a payment holder. Every payment made through Settlr is split at the moment it is made: your share goes straight to your own connected bank account through your own Paystack subaccount, and Settlr's fee goes to Settlr. Settlr does not hold, custody, or have access to your funds at any point, and cannot release or withhold money that has already been split to you. This is a structural fact about how the product is built, not a policy that could change without rebuilding the payment system.

Settlr does not provide legal advice, and the contract template it generates is a starting point you and your client agree to use — Settlr is not a party to any contract, proposal, or agreement you make with your client, and does not review, endorse, or guarantee the enforceability of any document generated on the platform.

You are responsible for the accuracy of the information you enter, including your business details, bank account information, and the invoices and contracts you send to your clients. You are responsible for keeping your login credentials secure and for all activity on your account.

You may not: use Settlr to invoice for work you did not perform or do not intend to perform; use it to launder money or move funds for a purpose unrelated to genuine freelance or agency work; share your account with someone else in a way that lets them impersonate you to your clients; or attempt to circumvent a plan limit or fee by technical means rather than upgrading.

A client who receives a link from you (a proposal, contract, or invoice link) never creates a Settlr account and is not bound by these Terms as a Settlr user — their relationship is with you, the freelancer, under whatever agreement you and they make. Settlr's Privacy Policy explains what data Settlr processes about your clients on your behalf.

Settlr's plans and their prices, limits, and transaction fees are listed on the pricing page, which is the current source of truth — these Terms do not restate specific numbers, since prices can change and this document should not need updating every time they do.

The transaction fee is a percentage of each payment collected through Settlr's checkout (card, bank transfer, or USSD via Paystack). It is deducted automatically from your share of the payment at the moment Paystack processes it — you never receive an invoice or separate charge for it. A payment your client makes by transferring directly to your bank account, which you then record yourself, does not pass through Settlr and carries no Settlr fee.

Subscription fees for paid plans are billed in advance, monthly or yearly, through Paystack. If a payment for your subscription fails, your account may revert to the Free plan's limits until it is resolved — your existing data is never deleted or hidden by this.

You can cancel a paid subscription at any time. Cancelling stops future billing; you keep the features of your current plan until the end of the period you already paid for, then the account reverts to the Free plan. Downgrading, whether by cancelling or by choice, never deletes your clients, invoices, proposals, contracts, or sent links — it only stops you from taking a new action that exceeds the lower plan's limits (for example, adding a client past the new plan's cap) until you either remove something or upgrade again.

See the Refund Policy for how refunds of Settlr's own subscription fees work. Settlr does not process refunds of payments your clients made to you — that is between you and your client, using whatever means Paystack or your bank makes available for reversing a payment.

You agree not to use Settlr to: violate any law; infringe someone else's rights; send fraudulent invoices, proposals or contracts; attempt to gain unauthorised access to another user's account or client data; interfere with the platform's operation (including attempting to bypass a rate limit, plan limit, or security control); or resell or sublicense access to Settlr without a written agreement with Settlr.

Settlr may suspend or terminate an account that violates these terms, that Paystack flags for suspected fraud, or that we reasonably believe is being used for money laundering or a purpose unrelated to genuine freelance or agency invoicing. Where reasonably possible, we will tell you why.

Settlr is provided on an "as available" basis. We aim for high availability but do not guarantee the platform will be uninterrupted or error-free. Scheduled maintenance and third-party outages (Paystack, Supabase, or another provider Settlr depends on) can affect availability.

We may change these Terms, the pricing, or the features available on a plan. For a material change, we will make reasonable efforts to notify account holders in advance (by email or an in-app notice) before it takes effect. Continuing to use Settlr after a change takes effect means you accept it.

To the fullest extent permitted by [GOVERNING_LAW], Settlr is not liable for indirect, incidental, or consequential damages arising from your use of the platform, including lost profits or lost business, except where such liability cannot be excluded by law. Settlr's total liability for any claim arising from these Terms is limited to the fees you paid Settlr in the three months before the claim arose.

Nothing in these Terms limits liability for fraud, wilful misconduct, or anything that cannot be excluded under [GOVERNING_LAW].

You may close your account at any time from your settings. We may suspend or terminate your access for a breach of these Terms, a legal requirement, or a security risk to the platform or other users. On termination, your data is handled as described in the Privacy Policy's retention section.

These Terms are governed by the laws of [GOVERNING_LAW]. Any dispute arising from these Terms or your use of Settlr will be resolved in the courts of that jurisdiction, unless the parties agree otherwise in writing.

Questions about these Terms: [SUPPORT_EMAIL].