Privacy Policy
Last updated: June 5, 2026
Template for review. This page is a plain-language starting point and is not legal advice. Have qualified counsel review and finalize it for your jurisdictions before launch.
Settle ("Settle," "we," "us") makes software that helps you settle your own unsecured debt and manage your financial journey. This policy explains what we collect, how we use it, and the choices you have. We built Settle for the consumer — protecting your information is part of that promise.
Information we collect
- Account information you give us — name, email, and the credentials you create.
- Debt & account information you add or import — creditors, balances, account status, and statute-of-limitations details you choose to track.
- Financial connections — when you link a bank or funding source through our payment and escrow partners, we receive limited details needed to show balances and route authorized payments. We do not store full bank credentials.
- Usage data — device, log, and interaction data that helps us keep the product secure and working.
How we use information
- To provide the service: stage accounts, prepare and certify offers, track settlements, and surface your rights and timing.
- To coordinate authorized payments through our licensed escrow and banking partner — released to your creditor only on your authorization.
- To communicate with you about your account, and (only with your consent) product updates.
- To keep an immutable record of the requests, offers, and payments you authorize.
- To protect against fraud and meet legal obligations.
We do not sell your data
We do not sell your personal information, and we never hand your financial life to a sales floor. If we are on anyone's side, it is yours.
When we share information
We share only what's necessary, and only to do what you've asked:
- Service providers — our escrow/banking, credit-data, identity-verification, and infrastructure partners, under contract and limited to their function.
- Creditors — the specific offer details and authorizations you choose to send when you make a settlement request.
- Legal & safety — where required by law or to protect users and the platform.
Your choices & rights
Depending on where you live, you may have rights to access, correct, export, or delete your information, and to withdraw consents. You can manage active consents and the full, append-only consent history inside your account settings. To make a request, email hello@meetsettle.com.
Security & retention
We use technical and organizational safeguards to protect your information, and we keep it only as long as needed to provide the service and meet legal obligations. Records you authorize (requests, offers, payments) are retained as durable receipts.
Children
Settle is for adults. We do not knowingly collect information from anyone under 18.
Changes
We'll post any updates here and adjust the "last updated" date. Material changes will be communicated to you directly.
Contact
Questions about privacy? Reach us at hello@meetsettle.com or through our contact page.
Settle is a software platform, not a lender, debt collector, law firm, money transmitter, or tax advisor. Availability varies by state. Nothing here is legal, financial, or tax advice.