Terms of Service

These Terms of Service (“Terms”) govern your access to and use of pro-settle.com and the tools, content, and materials we make available (the “Services”), operated by Pro-Settle (“Pro-Settle,” “we,” “us,” or “our”), a Vector North Capital company. By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use the Services. You agree that the information you provide is accurate and that you will keep it up to date.

2. What the Services Are — and Are Not

Pro-Settle is a self-help software platform. We provide educational material, calculators, and document templates that help you evaluate your debts and prepare settlement correspondence that you send to your creditors, under your own name and your own judgment.

Pro-Settle is not a law firm, debt settlement company, debt relief service, credit repair organization, credit counseling agency, or financial adviser. We do not negotiate with creditors on your behalf, do not act as your representative or agent, and do not provide legal, tax, accounting, or investment advice. No attorney-client or fiduciary relationship is created by your use of the Services. See our Disclaimer and Compliance pages for detail.

3. Your Account

We use passwordless sign-in: we email a one-time code to your address. You are responsible for maintaining control of your email account and for all activity that occurs under your account. Notify us promptly if you believe your account has been accessed without your authorization. Accounts are for individual use and may not be shared, resold, or transferred.

4. Fees and Payment

• The fee for access is displayed at checkout before you pay. Unless expressly stated otherwise at checkout, it is a one-time charge, not a subscription, and we will not bill you on a recurring basis.
• Payments are processed by Stripe. Your use of Stripe is subject to Stripe's own terms.
• Promotional codes are limited by their stated discount, expiration date, and usage cap, have no cash value, and may not be combined unless we say so.
• You are responsible for any applicable taxes.
• Because the Services deliver digital content immediately upon purchase, fees are generally non-refundable. If you believe your circumstances warrant a refund, contact us through the contact form and we will review your request in good faith.
• We may change our pricing at any time. Price changes do not affect purchases already completed.

5. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose, or to submit information you know to be false.
• Misrepresent your financial circumstances to a creditor, or use our templates to make statements you know to be untrue.
• Resell, sublicense, rent, or redistribute the Services or their content.
• Copy, scrape, reverse-engineer, or create derivative works from the Services or our templates.
• Attempt to gain unauthorized access to the Services, other accounts, or our systems.
• Interfere with, overload, or disrupt the Services, including through automated requests.
• Use the Services to provide debt-settlement services to third parties.

6. Intellectual Property

The Services, including all software, course content, letter templates, text, graphics, and branding, are owned by Pro-Settle or its licensors and are protected by copyright and other laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services and to generate and send letters for your own debts. All rights not expressly granted are reserved.

7. Your Content

You retain ownership of the information you enter. You grant us a license to host, process, and display it solely to operate and improve the Services, as described in our Privacy Policy. You represent that you have the right to provide the information you submit.

8. Third-Party Services

The Services may link to or recommend third-party products, including credit-repair tools operated by others. Those products are governed by their own terms and privacy policies. We are not responsible for third-party services and do not guarantee their performance. Where we receive compensation for a referral, we disclose it.

9. No Guarantee of Results

Debt settlement outcomes depend on your creditors, your financial circumstances, and factors outside our control. Creditors are not obligated to negotiate or accept any offer. We make no promise that you will settle any debt, settle at any particular amount, save any particular sum, or avoid collection activity or litigation. Testimonials and examples reflect individual experiences and are not typical results.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY INFORMATION OR CALCULATION WILL BE ACCURATE OR COMPLETE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRO-SETTLE AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOSS OF DATA, DAMAGE TO CREDIT, OR AMOUNTS OWED TO CREDITORS, ARISING OUT OF OR RELATING TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnification

You agree to indemnify and hold Pro-Settle harmless from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your violation of any law or the rights of a third party.

13. Termination

You may stop using the Services at any time and may request account deletion. We may suspend or terminate your access if you violate these Terms, if we suspect fraud or abuse, or if we discontinue the Services. Sections that by their nature should survive termination — including Sections 6, 9, 10, 11, 12, and 14 — will survive.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days. Nothing in these Terms prevents either party from seeking relief in small claims court, or limits any rights you may have under mandatory consumer protection laws in your state of residence.

15. Changes to These Terms

We may revise these Terms from time to time. We will update the “Last updated” date and, for material changes, provide additional notice. Your continued use of the Services after changes take effect constitutes acceptance.

16. Contact

Questions about these Terms? Use our contact form or email postmaster@pro-settle.com.