SettleAI Terms of Service

Effective date: September 9, 2026

These Terms of Service ("Terms") govern access to and use of the SettleAI desktop application, website, mobile web application, player portals, bots, and related services (collectively, the "Service") provided by SettleAI LLC ("SettleAI," "we," "us," or "our").

By creating an account, downloading, accessing, or using the Service, you agree to these Terms.

If you use the Service for an organization, you represent that you have authority to bind that organization.

1. Eligibility

You must be at least 18 years old, have legal capacity to agree to these Terms, and be legally permitted to use the Service where you are located.

You may not use the Service if applicable law prohibits you from doing so.

2. What SettleAI provides

SettleAI provides tools that can help club owners and agents import or collect ClubGG information, configure deals, calculate settlements, maintain player tabs, generate reports, and communicate through connected Telegram and Discord conversations.

SettleAI is an accounting workflow tool.

It is not a bank, payment processor, escrow service, licensed accountant, tax adviser, law firm, gambling operator, poker platform, or guarantor of any debt or payment.

SettleAI does not host poker games, place wagers, control gameplay, hold funds, or verify that a payment occurred.

3. Accounts and security

You must provide accurate account information and keep it current.

You are responsible for all activity under your account and for securing your password, device, email account, connected Telegram groups, Discord servers and channels, reports, and exported files.

Notify us promptly at support@settleaiapp.com if you suspect unauthorized access.

Accounts may not be sold, transferred, shared in a way that defeats access controls, or used to impersonate another person.

4. Your responsibilities

You are solely responsible for:

• confirming that you are authorized to access, import, collect, store, and use all club, player, financial, message, image, and account information submitted to SettleAI;
• obtaining any notices, consents, or permissions required from players, agents, club owners, conversation participants, or other people;
• reviewing player identities, Player IDs, deals, tax rates, tipback rates, source statistics, calculations, reports, tabs, OCR results, and recipients before relying on or sending them;
• maintaining independent source records and backups suitable for your accounting, tax, legal, and audit obligations;
• complying with applicable laws, platform rules, contracts, gaming rules, tax requirements, privacy obligations, and record-retention requirements; and
• resolving disputes about debts, payments, deals, results, or settlements with the relevant people.

You must not represent that SettleAI has verified a payment, guaranteed an accounting result, or determined that an amount is legally owed.

5. ClubGG automation and device permissions

The desktop collector uses applicable device permissions, including macOS Screen Recording and Accessibility permissions, to interact with the visible ClubGG application at your direction.

The collector also requires camera permission for a local presence check while collection runs.

This check detects presence without identifying the person, recording video, uploading camera frames, or using microphone audio.

If presence cannot be detected, collection may pause; you can stop collection and revoke device permissions through your operating system settings.

You authorize those actions when you run the collector.

You must keep ClubGG open and signed in and may use the collector only for accounts and information you are authorized to access.

ClubGG may change its interface, availability, exports, rules, or terms.

OCR and UI automation can misread, omit, duplicate, or mismatch information.

You must review results and retain source records.

SettleAI is not affiliated with or endorsed by ClubGG and does not grant you any right to access ClubGG contrary to its terms or applicable law.

You may not use SettleAI to automate gameplay, place wagers, manipulate games, evade platform controls, access another person's account without authorization, or scrape information you have no right to access.

6. Reports, calculations, tabs, and OCR

Outputs depend on the information, deal settings, formulas, dates, and identities supplied or collected.

SettleAI does not guarantee that calculations, OCR, reports, player matching, tax treatment, or tab balances are accurate, complete, current, or appropriate for your situation.

Payment-screenshot OCR extracts a possible amount from an image; it does not authenticate the screenshot, access a bank, confirm settlement or reversal, or establish the payer, recipient, currency, purpose, or legal effect of a payment.

Automatic approval can update local tabs without a manual review.

You accept responsibility for enabling that setting and correcting errors.

SettleAI stores supported account-linked accounting records in the cloud and uses local caches and files on your device.

Not every file, setting, older record, or software version synchronizes, and synchronization may be delayed or fail.

Local or cloud data may be lost through deletion, device failure, profile changes, uninstallation, storage clearing, outages, or software errors.

Maintain independent backups and do not use SettleAI as the sole system of record.

7. Telegram and Discord communications

When you connect a Telegram conversation or Discord channel, SettleAI provides the player with a private email-verified portal and a platform-specific data notice.

SettleAI may receive and process setup commands, provider events, and privacy-control requests before ordinary messaging is enabled.

Ordinary connected-message content is not stored in the accounting inbox until the verified player affirmatively accepts the applicable notice.

Connected messaging also requires the player to provide at least one payment-receiving method in the portal.

After setup, SettleAI may store connected-message contents and attachment metadata and send accounting communications through the connection.

Payment screenshots must be submitted through the portal rather than Telegram or Discord.

You must have authority to create and connect the conversation, provide notices and obtain permissions required from every affected participant, and avoid adding unrelated participants.

One player's acceptance does not authorize processing on behalf of all participants.

Players can use the portal to withdraw platform-specific consent or request export, correction, or deletion as described in the Privacy Policy.

Receiving-method information, including account names, handles, email addresses, or phone numbers, is supplied by users and may be displayed to authorized accounting participants.

SettleAI does not verify ownership of the receiving account or authorize any payment merely by displaying those details.

Confirm the recipient and the payment provider's rules independently before making a payment.

Messages and reports may be delayed, rejected, duplicated, delivered to an unintended participant, or fail because of provider permissions, outages, account changes, disconnected routes, or bot-service availability.

Verify sensitive recipients and important deliveries independently.

Discord inbound processing depends on a separate continuously running Gateway service.

You must comply with Telegram's and Discord's applicable terms, developer policies, community rules, permissions, and user choices.

Removing or disconnecting a bot does not necessarily delete previously sent messages or files from third-party systems.

8. Acceptable use

You may not:

• violate law, these Terms, another person's rights, or a third-party platform's terms;
• access, monitor, collect, disclose, or use information without authorization;
• upload malware or interfere with the security, integrity, availability, or performance of the Service;
• bypass permissions, rate limits, authentication, privacy, safety, or technical restrictions;
• deliberately dilute, falsify, suppress, or otherwise manipulate unique active player counts or evade billing measurements to reduce subscription charges;
• reverse engineer or extract source code except to the limited extent applicable law expressly permits despite this restriction;
• use the Service for fraud, deception, money laundering, harassment, threats, unlawful gambling, or other illegal activity;
• submit content that infringes intellectual property, privacy, publicity, confidentiality, or other rights;
• use bots or integrations to spam users or send reports without a valid accounting purpose and proper authority; or
• resell, sublicense, or commercially exploit the Service except under a written agreement with SettleAI.

We may investigate suspected misuse and suspend or terminate access where reasonably necessary to protect users, third parties, or the Service or to comply with law.

9. Your content and license to operate the Service

You retain ownership of information and files you submit ("Your Content").

You grant SettleAI a worldwide, non-exclusive, limited license to host, copy, process, transmit, display, and create technical derivatives of Your Content only as reasonably necessary to provide, secure, support, and improve the Service, comply with law, and enforce these Terms, in each case consistent with the Privacy Policy, your applicable choices, and restrictions imposed by law or the source platform.

You represent that you have all rights and permissions needed to provide Your Content and grant this license.

You are responsible for Your Content and the consequences of processing or communicating it.

10. SettleAI intellectual property

The Service, software, branding, designs, documentation, and related intellectual property are owned by SettleAI or its licensors.

Subject to these Terms, SettleAI grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the Service for your internal lawful business purposes.

Feedback you voluntarily provide may be used by SettleAI without restriction or compensation, but we will not publicly identify you as its source without permission.

11. Third-party services

The Service relies on or interoperates with third-party services including ClubGG, Firebase, Google Cloud and Cloud Vision, Vercel, Stripe, PayPal where offered, Resend, Feedback Pulse, Telegram, Discord, and any sign-in provider you choose.

Third-party services are governed by their own terms and may change or discontinue without notice.

SettleAI does not control independent third-party services, content, availability, or data practices.

This does not exclude obligations SettleAI has under applicable law for its own processing or its service providers.

An integration or receiving-method label does not establish provider endorsement or permission for a particular activity.

You must not use the Service to facilitate prohibited payments or unlawful gambling; accounting-tool status does not override provider restrictions.

12. Weekly billing and money-back guarantee

Weekly charges and the first billing cycle

Paid subscriptions are billed weekly in advance at the beginning of each billing cycle and renew until canceled.

Your subscription tier's weekly base price, included active-player allowance, additional active-player rate, billing dates, and any taxes are disclosed before you subscribe.

Your first weekly billing cycle is charged at checkout.

Each accepted weekly report records that report week's active players and clubs.

Players above your included weekly allowance are paid separately with report credits at your subscribed tier's additional-player rate.

We do not add a separate end-of-cycle usage adjustment to the weekly base subscription price already charged for that cycle.

Weekly unique active player counts

A weekly unique active player count measures distinct players with recorded play activity during the relevant Monday–Sunday period.

SettleAI calculates the full weekly count independently of the players, clubs, or date filters you select in Create Report, using information you are authorized to access.

Narrowing the requested report does not narrow the billing measurement.

Each measured report week contributes once per club for billing usage.

Repeatedly creating a report for the same club and week does not give that week additional weight unless a later report increases the counted active-player population.

Weeks for which no report is accepted are not added as zero-count weeks to reduce usage.

If you never use Create Report during a billing cycle, that does not reduce or refund the weekly base price already charged for that cycle.

Requests for older reports

Before creating a historical report, SettleAI performs an additional billing calculation only when all of the following conditions apply:

• No unique active player count has yet been calculated for the current calendar month.
• The first seven days of that calendar month have passed.
• The requested report includes data more than seven days in the past.

When all three conditions apply, SettleAI first calculates the unique active player count for the most recently completed Monday–Sunday period and then creates the historical report you requested.

The additional weekly count is included in the current billing cycle's measurement for determining the next cycle's price.

This fallback does not require calculating every unmeasured week and does not run when a count has already been calculated for the current month.

It also does not run during the first seven days of the month, so accessing the preceding week's data across a month boundary does not by itself trigger this additional calculation.

Cancellation and billing questions

Cancel before your next billing cycle begins to stop the next renewal charge, using available subscription controls or contacting support@settleaiapp.com.

Not using Create Report, uninstalling the app, or deleting workspace data does not cancel your subscription.

Contact support@settleaiapp.com if you believe a weekly count or charge is incorrect.

30-day money-back guarantee

If you request a refund at support@settleaiapp.com within 30 days after your first paid subscription begins, we will refund all subscription amounts billed during those first 30 days.

The first billing cycle is base price only, so there is no separate first-cycle usage charge to deduct from that refund.

The guarantee does not limit any refund or other rights that cannot be excluded under applicable law.

13. Suspension and termination

You may stop using the Service at any time.

Available Data Controls remove the specified local or cloud information.

Factory reset retains the Firebase Authentication login account and billing subscription information, and does not itself cancel a subscription or erase external provider records.

Resetting tabs, deleting a connected conversation, deleting an account, and canceling a subscription are separate actions.

Use Account & Billing for available subscription controls and contact support@settleaiapp.com for account deletion or requests not covered by in-product controls.

Retention and deletion exceptions are described in the Privacy Policy.

We may suspend or terminate access if you materially breach these Terms, create risk or legal exposure, fail to pay applicable fees, or use the Service in a way that may harm users, third parties, providers, or the Service.

Where appropriate, we will provide notice and a reasonable opportunity to cure.

If we determine that you deliberately attempted to dilute or otherwise manipulate reports' unique active player counts or evade billing measurements to reduce your subscription charges, we will ban your account and immediately revoke your access through the Service to historical reports and other historical data, without an advance opportunity to cure, to the extent permitted by law.

Ordinary report filtering, genuine changes in player activity, and choosing not to create reports are not, by themselves, billing manipulation.

Contact support@settleaiapp.com if you believe a ban was issued in error.

Revocation of product access does not itself delete retained records or eliminate non-waivable privacy rights; retention and verified privacy requests remain governed by the Privacy Policy.

Upon termination, the license granted to you ends.

Sections that by their nature should survive—including ownership, disclaimers, liability limits, indemnity, dispute terms, and accrued payment obligations—will survive.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." SETTLEAI DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

SETTLEAI DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR COMPATIBLE WITH CLUBGG OR ANY THIRD-PARTY SERVICE; THAT OCR, AUTOMATION, CALCULATIONS, REPORTS, TABS, OR MESSAGES WILL BE ACCURATE OR DELIVERED; OR THAT DATA WILL NOT BE LOST.

NOTHING IN THESE TERMS EXCLUDES A WARRANTY OR RIGHT THAT CANNOT LAWFULLY BE EXCLUDED.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SETTLEAI AND ITS OWNERS, AFFILIATES, PERSONNEL, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, BUSINESS, DATA, PAYMENTS, OR ACCOUNTING RECORDS, ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SETTLEAI'S AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID SETTLEAI FOR THE SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) USD $100.

These limitations apply only to the extent permitted by applicable law and do not limit liability that cannot lawfully be limited.

16. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless SettleAI and its owners, affiliates, personnel, and licensors from claims, losses, liabilities, damages, judgments, penalties, costs, and reasonable legal fees arising from Your Content; your use or misuse of the Service; your accounting, payment, gaming, tax, privacy, or messaging activities; your violation of law, these Terms, third-party terms, or another person's rights; or a dispute between you and a club, agent, player, or conversation participant.

17. Governing law and disputes

These Terms are governed by the laws of Connecticut, without regard to conflict-of-laws rules.

Any dispute arising out of or relating to these Terms or the Service must be brought exclusively in the Connecticut Superior Court for the Judicial District of Stamford–Norwalk or, where federal subject-matter jurisdiction exists, the United States District Court for the District of Connecticut.

Each party consents to personal jurisdiction and venue in those courts, except where applicable law provides a non-waivable right to bring a claim elsewhere.

Before filing a claim, each party agrees to give the other written notice and attempt in good faith to resolve the dispute informally for at least 30 days.

This section does not prevent either party from seeking urgent injunctive relief where appropriate.

18. Changes to the Service or Terms

We may modify the Service and these Terms.

If a change materially affects your rights, we will provide a prominent in-product or website notice or contact affected users by email, as appropriate and required by law.

Updated Terms become effective on the stated date.

If you do not agree, you must stop using the Service.

Continued use after the effective date constitutes acceptance where permitted by law.

19. General terms

These Terms and any incorporated order form or supplemental terms are the entire agreement regarding the Service.

If a provision is unenforceable, it will be modified to the minimum extent necessary and the remainder will continue.

Failure to enforce a provision is not a waiver.

You may not assign these Terms without our written consent; we may assign them in connection with a reorganization, merger, acquisition, or asset transfer.

Headings are for convenience only.

20. Contact

Legal entity: SettleAI LLC

Founders: Akshay Shivdasani and Dougie Brown

Support/legal email: support@settleaiapp.com

Mailing address: 33 Stonehenge Drive, New Canaan, CT 06840, United States