Effective Date: 22 June 2026 · Last updated: 22 June 2026
These Terms and Conditions (“Terms”) govern your use of the Settlr mobile application (“App”), operated by Settlr (“we”, “us”, or “our”). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
You must be at least 13 years old (or the minimum age of digital consent in your country, whichever is higher) to use the App. By using the App, you represent that you meet this requirement. If you are under 18, you must have permission from a parent or legal guardian.
You must create an account to use the App. You agree to provide accurate, current, and complete information during registration, including a valid email address.
You are responsible for keeping your login credentials confidential. You are responsible for all activity that occurs under your account. Notify us immediately at support@settlr.tech if you suspect unauthorised access.
You may not create more than one personal account. Accounts are non-transferable.
Settlr is a shared-expense management application. It allows you to:
Violations may result in immediate account suspension or termination.
Groups are accessible via a unique invite code. By sharing an invite code, you are responsible for who gains access to your group and its data.
Group creators and admins may configure who can add expenses, add members, and add overview widgets. Admins may remove members and manage group settings.
Groups may include guest members with limited profiles. Guest members' data is subject to these Terms in the same way as full members.
Settlr is a record-keeping and calculation tool. It is not a licensed financial service, payment processor, or accounting service.
You retain ownership of the content you create in the App (expense descriptions, messages, notes, images, etc.). By submitting content, you grant Settlr a non-exclusive, worldwide, royalty-free licence to store, display, and process that content for the sole purpose of providing the service.
You must not upload or share content that is illegal, defamatory, obscene, hateful, discriminatory, infringing on third-party intellectual property rights, containing personal data of others without consent, or harmful or abusive to other users. We reserve the right to remove content that violates these standards.
You are solely responsible for the content you post. We do not pre-screen user content and are not liable for any content submitted by users.
The App supports push notifications and email notifications for events such as new expenses, payments, messages, and friend requests. You can enable or disable individual notification types in the App's Settings. Standard carrier message and data rates may apply to push delivery on some devices.
The App integrates with the following third-party services:
Your use of these integrations is subject to the respective providers' terms and privacy policies. We are not responsible for the availability, accuracy, or conduct of third-party services.
Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
All intellectual property in the App — including its design, code, branding, icons, and underlying technology — is owned by Settlr or its licensors. Nothing in these Terms grants you any right to use our trademarks, logos, or brand names.
If you submit feedback, bug reports, or feature requests through the App, you grant us a perpetual, irrevocable, royalty-free right to use that feedback for any purpose, including improving the App, without obligation or compensation to you.
You may delete your account at any time by contacting us. Upon deletion, your profile data will be removed, but content you created in shared groups (expenses, messages, notes) may remain accessible to other group members unless you delete it first.
We reserve the right to suspend or terminate your account, with or without notice, if you violate these Terms or if we reasonably believe your use of the App poses a risk to other users or to the service.
Upon termination, your right to use the App ceases immediately. Sections 7, 11, 14, and 15 survive termination.
THE APP IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF BUGS OR VIRUSES; THAT BALANCE CALCULATIONS WILL BE ACCURATE IN ALL CIRCUMSTANCES; THAT DATA WILL NEVER BE LOST OR CORRUPTED; OR THAT THE APP WILL BE AVAILABLE IN ALL REGIONS OR AT ALL TIMES.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SETTLR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP, ANY INACCURACY IN EXPENSE OR BALANCE CALCULATIONS, ANY FINANCIAL DISPUTES BETWEEN USERS, UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR DATA, OR ANY THIRD-PARTY SERVICE FAILURE.
You agree to indemnify and hold harmless Settlr and its affiliates from any claims, damages, liabilities, or expenses (including legal fees) arising from your use of the App, your breach of these Terms, or your infringement of any third party's rights.
We may update these Terms from time to time. We will notify you of material changes by updating the “Last updated” date at the top of this document. Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms.
These Terms are governed by and construed in accordance with the laws of Greece. Any dispute arising out of or relating to these Terms or your use of the App shall be resolved through good-faith negotiation. If a dispute cannot be resolved informally, it shall be submitted to the exclusive jurisdiction of the courts of Athens, Greece.
Questions about these Terms? Contact us at: support@settlr.tech