Terms of Use

By accessing or using SettlePair you agree to these terms. If you do not agree, do not use the service. If you use SettlePair on behalf of a business, you confirm you are authorised to accept these terms for that business.

SettlePair is intended for adults using it for business or professional bookkeeping purposes. It is not directed to children under 13, and you must be legally capable of entering into these terms in your location.

Subject to these terms, you may use SettlePair as it is made available to you, for your own reconciliation work. This licence is personal, non-exclusive, non-transferable and revocable. It does not transfer any ownership in the service to you.

Invoice and bank CSV files you open in SettlePair are processed by code running in your browser tab and are not uploaded to SettlePair servers. You remain solely responsible for the files you use, including:

• having the right and any necessary permission to use and process the data in them
• complying with the laws, contracts and confidentiality duties that apply to that data
• keeping exported files, such as settlepair-reconciliation.csv, safe once they are saved to your device
• the security of the device, browser and browser extensions you use

SettlePair is a review aid. It does not provide accounting, bookkeeping, audit, tax, financial or legal advice, and using it does not create a professional relationship. Where a decision matters, consult a qualified professional.

Match suggestions are produced by deterministic rules with fixed weights, and confidence scores are an aid to review, not a verification. SettlePair does not guarantee that any suggestion, allocation, balance or export is correct or complete. You must independently review every result before relying on it or posting it to your books.

The Acceptable Use Policy forms part of these terms. Breaching it is a breach of these terms.

SettlePair, its name, wordmark, interface, documentation and underlying code are owned by the SettlePair operator or its licensors and are protected by intellectual property law. You may not copy, sell, sublicense or create derivative works from the service except as these terms or applicable law allow. Your data and your exported files remain yours; we claim no rights in them.

The site is served through third-party hosting and content-delivery infrastructure, and the public pages load a web font from Google Fonts. Those providers operate under their own terms, which we do not control. Any third-party site linked from SettlePair is likewise outside our control and is not endorsed by its inclusion.

SettlePair is provided as an evolving product. Features may change, be limited or be withdrawn, and the service may be unavailable at times. We make no availability or uptime commitment.

To the maximum extent permitted by law, SettlePair is provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the service will be uninterrupted, error-free or secure, or that results obtained from it will be accurate or reliable. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

To the maximum extent permitted by law, SettlePair and the people who operate it will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, or accounting, tax or financial losses arising out of or relating to your use of, or inability to use, the service — even if advised of the possibility of such damages.

To the maximum extent permitted by applicable law, SettlePair's aggregate liability arising out of or relating to the service will not exceed the amount you paid SettlePair for use of the service during the 12 months before the event giving rise to the claim. Because the service is currently free, that amount may be zero, and these terms do not invent a minimum floor. Nothing in these terms excludes or limits liability that cannot legally be excluded or limited.

You agree to indemnify SettlePair against third-party claims, and reasonable costs arising from them, to the extent they result from your misuse of the service, your breach of these terms or the Acceptable Use Policy, or your unlawful use of data in files you process. We will tell you promptly about any such claim and will not settle it in a way that imposes an obligation on you without your consent.

We may limit, suspend or discontinue access to the service, in whole or in part, if we reasonably believe it is being misused or where necessary to protect the service or other users. You may stop using SettlePair at any time; closing the tab ends your session and clears its data.

SettlePair does not yet publish a governing-law or venue clause. The operating entity and jurisdiction have not been finalised, and we would rather leave this open than state something inaccurate. Governing law and the forum for disputes will be added here once they are settled, and continued use after that update will be subject to the terms as published then. Nothing here waives mandatory consumer-protection rights available to you under the law of your own country or state.

We may update these terms as the product develops. The effective date at the top of this page will change when we do. Material changes will be reflected on this page; continued use after an update means you accept the revised terms.

If any provision of these terms is held unenforceable, it will be limited or removed to the minimum extent necessary and the remaining provisions will stay in force. These terms, together with the Acceptable Use Policy and the Privacy Notice, are the entire agreement between you and SettlePair about the service and replace any earlier understanding on that subject. A failure to enforce a provision is not a waiver of it.

Questions about these terms: support@settlepair.com.