Legal
Terms of use
Plain-language terms for using the Settle prototype. Using the app means you accept them.
Last updated 30 October 2026
In short
Settle is a testnet prototype with sample data. Nothing in it has real monetary value, and nothing in it is advice.
A testnet prototype
Settle runs on the Stellar test network, whose tokens have no value. The bills, people, balances and activity you see are sample data. Funding a bill is a preview that moves no funds. Mainnet is not enabled. Do not treat anything in the app as a real request, a real payment or a real receipt.
Software provided as is
Settle's code is released under the MIT license, which provides the software as is, without warranty of any kind. Read the license for the exact wording. The prototype may be wrong, incomplete, unavailable or changed at any time.
Not advice, not a financial service
- Nothing here is financial, investment, legal or tax advice.
- Settle is not a bank, a money transmitter or a payment processor. It holds no funds and moves none.
- If Settle ever handled real value, that would require legal and compliance review for each place it operates. That has not happened.
No guarantee of funding or outcomes
Posting a bill does not mean it will be funded. Funding a bill does not mean a provider will accept or apply it. Settle makes no promise about amounts, timing, verification results or what happens to any bill.
Community rules
Use of Settle is subject to the community guidelines. In particular, support is never payment for access, labor, publicity or relationships, and Kind Gestures are optional and can be declined. Do not use the app to harass, deceive or pressure anyone.
Third-party services
Stellar, the Freighter wallet and any host that serves the app are separate services with their own terms. Settle is not responsible for them.
Governing law and disputes
This is undecided. The prototype has no operating entity or jurisdiction yet.
Contact and changes
Questions or concerns: open an issue on GitHub. Security matters go through the security policy. These terms may change, and the date above shows the last update. See also the privacy policy.