U.S. User Agreement

TABLE OF CONTENTS

1. Contract, Accounts, and Definitions — Sections 1–3

2. Marketplace Role and Platform — Sections 4–5

3. Service Requests, Pricing, Payment, and Scheduling — Sections 6–10

4. Content, Verification, and Conduct — Sections 11–13

5. Privacy, AI, Intellectual Property, and Third Parties — Sections 14–17

6. Enforcement and Account Action — Section 18

7. Disclaimers, Liability, and Indemnity — Sections 19–21

8. Arbitration, Governing Law, and General Terms — Sections 22–25

9. Mobile, Export, Content Policies, and Schedules — Sections 26–28 and Schedules

1. Agreement and Acceptance

1.1 Contract. This U.S. User Agreement (the “Terms”) form a binding agreement between you and Settlyfe Inc. (“Settlyfe,” “we,” “us,” or “our”) governing the Settlyfe Home Services website, customer application, communications, support tools, and related marketplace features (collectively, the “Platform”).

1.2 Incorporated documents. The Service Platform Rules, accepted Service Order, applicable category-specific documents, and separately accepted promotion or protection-program terms are incorporated to the extent applicable. The Privacy Policy is a referenced notice of data practices and is not treated as blanket consent. If a Service Order conflicts with these Terms about that job’s Provider, scope, price, or schedule, the Service Order controls for that subject. Mandatory law and required category documents control where applicable.

1.3 Acceptance. You accept these Terms by creating an Account, checking the agreement box, selecting a button clearly indicating agreement or purchase, or using a transactional Platform feature after receiving conspicuous notice. Merely browsing public pages does not accept arbitration. Settlyfe will retain the version, timestamp, Account identifier, displayed links, and acceptance event.

1.4 Privacy is a notice. The Privacy Policy describes data practices. Where law treats privacy consent separately, acknowledging the Privacy Policy is not blanket consent to every data use. Marketing, recurring debits, precise-location permissions, and other legally separate choices require their own controls.

1.5 Changes. Changes apply prospectively. Settlyfe will provide notice appropriate to the change and obtain renewed assent when required. A change will not retroactively alter an accepted Service Order without agreement or legal authority.

1.6 Product-specific terms. This Agreement governs general access to Settlyfe and the Home Services Platform. A feature involving rental listings, housing applications, tenant screening, leases, rent or security deposits, real-estate brokerage or agency, property management, roommate matching, financing, insurance, or merchandise may require separate product terms, consents, and disclosures. Those product-specific terms control for that feature. Access to a page or Account does not by itself establish an agency, brokerage, fiduciary, landlord-tenant, credit, employment, or insurance relationship.

2. Eligibility, Accounts, and Authority

2.1 Eligibility. You must be at least 18 years old, have legal capacity to contract, and use the Platform only in a jurisdiction and service area where Settlyfe makes it available. Settlyfe may apply different features or supplemental terms by state and may decline unsupported locations, categories, or users.

2.2 Account security. Provide accurate information, maintain a secure password and device, do not share one-time codes, and promptly report unauthorized activity. You are responsible for authorized Account activity but not for unauthorized activity caused by Settlyfe’s failure to use legally required safeguards.

2.3 Property authority. You represent that you own, occupy, manage, or are otherwise authorized to request the Service and grant the necessary access. A renter must obtain landlord or property-manager approval when the work, lease, or law requires it.

2.4 Household and organizational use. If you book for another person, household, business, or property owner, you represent that you have authority to share necessary information and arrange access. You remain responsible for instructions you give and payment obligations you accept.

3. Definitions

3.1 Account. "Account" means the credentials and profile used to access Settlyfe.

3.2 Customer. "Customer" means a person or organization that requests, books, receives, or pays for a Service.

3.3 Platform. "Platform" means Settlyfe websites, mobile applications, provider portals, communications, support, payment interfaces, software, APIs, and related features made available by Settlyfe.

3.4 Provider Company. "Provider Company" means the independent business identified in a Service Order that offers, accepts, contracts for, or performs a Service.

3.5 Provider Personnel. "Provider Personnel" means an owner, employee, contractor, subcontractor, technician, worker, or other person a Provider Company authorizes to access an opportunity, Customer information, property, or Service.

3.6 Service. "Service" means the home, property, moving, assembly, cleaning, repair, maintenance, installation, or other work described in a Service Order.

3.7 Service Order. "Service Order" means the transaction record identifying the Customer, Provider Company, scope, schedule, price, payment terms, cancellation terms, and other job-specific terms.

3.8 Settlyfe Party. "Settlyfe Party" means Settlyfe Inc. and its affiliates and their respective directors, officers, employees, and agents, but does not include a Provider Company or Provider Personnel merely because they use the Platform.

3.9 Transaction Data. "Transaction Data" means nonpublic information made available through Settlyfe about a Customer, Provider Company, property, request, quote, Service Order, communication, payment status, access, incident, or claim.

3.10 User Content. "User Content" has the meaning stated in Section 11.1.

4. Settlyfe’s Marketplace Role

4.1 Technology intermediary. Settlyfe provides request intake, matching or referral, communications, scheduling, records, payment-processing interfaces, customer support, and related administrative tools. Unless a Service Order expressly states otherwise, Settlyfe is not the Provider Company, home-improvement contractor, employer, joint employer, agent, franchisee, insurer, guarantor, escrow holder, or fiduciary.

4.2 Direct service relationship. The Provider Company—not Settlyfe—is the service seller and contracting party for the Service. The Provider Company is responsible for its Personnel, methods, tools, materials, supervision, licenses, permits, safety, workmanship, taxes, warranties, and compliance. No Provider Company may represent that it is Settlyfe’s employee or that Settlyfe performs the work.

4.3 Provider choice and disclosure. Settlyfe may rank, refer, or route a request using availability, location, category, rate compatibility, credentials, history, and other disclosed factors. Before the Service Contract forms, the Platform will identify the Provider Company and provide an opportunity to review the Service Order. A Provider Company may accept or decline available work; Settlyfe does not guarantee acceptance or availability.

4.4 No professional advice. Platform content, AI output, estimates, and support communications are informational and do not replace an onsite assessment, licensed trade advice, engineering, legal advice, code compliance, or emergency services.

4.5 Direct Service Contract. Each accepted Service Order forms a direct contract between the Customer and the identified Provider Company. Settlyfe is not the general contractor, prime contractor, employer, construction manager, or service performer unless a separately signed document expressly says otherwise and the product is operated consistently with that role.

4.6 Settlyfe’s own duties. Nothing in these Terms disclaims responsibility that law places directly on Settlyfe for its own Platform operation, payment representations, privacy or security practices, marketing, or misconduct.

4.7 Safety and quality features do not change roles. A background check, credential indicator, identity check, insurance review, rating, matching rule, messaging tool, payment control, safety standard, investigation, removal decision, training resource, or other Platform safeguard is intended to reduce risk or administer the marketplace. It does not make Settlyfe the employer, principal, general contractor, supervisor, guarantor, or actual, apparent, or ostensible agent of a Provider Company or Provider Personnel and does not transfer the Provider Company’s independent legal duties to Settlyfe.

5. Platform Availability and Changes

5.1 Platform availability. The Home Services Platform may be invitation-only, capacity-limited, manually reviewed, modified, suspended, or discontinued. Features labeled beta may contain errors and are provided for evaluation, but this does not waive statutory rights or excuse promised transaction performance.

5.2 No guaranteed match or timing. A request is not an accepted job. Settlyfe does not guarantee a Provider, arrival time, completion time, price before a valid Quote, or result. Emergency, dangerous, unlicensed, unsupported, or out-of-area requests may be rejected.

5.3 Recurring Services. A recurring plan applies only after the Customer separately accepts the Recurring Service Plan Addendum and completed Plan Summary. A frequency preference, saved payment method, or one-time Service Order does not by itself authorize future visits or recurring charges.

6. Requests, Quotes, and Contract Formation

6.1 Request information. Describe the property, problem, requested scope, access conditions, pets, hazards, urgency, parking, stairs, required materials, and relevant photos accurately. An estimate based on incomplete or inaccurate information may be revised before work begins.

6.2 Fixed-scope quote. A fixed-scope Quote covers only the described scope and assumptions. The Provider Company may refuse unsafe or materially different work. No additional Provider Charge may be imposed without a clearly disclosed and accepted change, except an emergency measure reasonably necessary to prevent imminent harm where consent cannot practicably be obtained and law permits.

6.3 Inspection-first quote. For diagnostic or uncertain work, the Service Order must separately disclose any inspection or trip charge and the maximum amount authorized before inspection. After inspection, the Provider Company must provide the proposed scope and total price before additional work. The Customer may decline additional work and owe only the disclosed inspection or lawful cancellation charge.

6.4 Acceptance sequence. The Service Contract forms only after the Provider Company accepts the opportunity, the Platform identifies that Provider Company and material terms to the Customer, and the Customer confirms the Service Order. A Provider’s internal assignment of Personnel does not substitute a different contracting company without disclosure and Customer agreement.

6.5 Regulated work. Generic Platform terms do not replace a legally required home-improvement, locksmith, pest-control, moving, HVAC, electrical, plumbing, or other regulated contract, notice, estimate, permit, or cancellation form. Where required, the Provider Company must deliver that document and obtain legally sufficient agreement before work.

6.6 Matching and dispatch. Settlyfe may use eligibility gates and ranking factors—such as category, location, availability, adopted payout, response history, credentials recorded in the Platform, service quality, and safety signals—to identify compatible Provider Companies. A match, rank, notification, or estimated arrival time is not a guarantee of availability, quality, licensing, safety, or acceptance.

6.7 Auto-accept. A Provider Company may enable rules under which a qualifying opportunity is accepted automatically on its behalf. Those rules are the Provider Company’s standing instructions. Settlyfe must display the Provider Company, scope assumptions, customer total, and cancellation rights before Customer confirmation. The Provider Company—not Settlyfe—selects or assigns the individual worker.

6.8 Customer decision. A ranking, suggested match, “best match,” availability indication, response-time estimate, credential indicator, sponsored result, or auto-dispatch result is information to assist your decision and is not an endorsement or guarantee. You decide whether to confirm the identified Provider Company after reviewing the Service Order. Sponsored influence, when material, will be identified as required by law.

7. Prices, Fees, Taxes, and Payment Authorization

7.1 All-in display. Before confirmation, the Service Order will display known mandatory Provider Charges and Platform Charges and state whether taxes, variable materials, permits, tolls, parking, or other approved pass-through amounts may apply. Settlyfe will not add an undisclosed mandatory fee after confirmation.

7.2 Payment authorization. You authorize the disclosed payment processor to verify the payment method, place a disclosed authorization hold, and charge amounts you approve under the Service Order and accepted change orders. A hold is not a completed charge. You may not revoke a valid authorization merely to avoid paying for properly completed work, but you retain dispute and error rights.

7.3 Collection role; no escrow. Where supported, the Provider Company appoints Settlyfe or its payment processor as a limited collection agent solely to receive payment for the Provider Company. Payment through the authorized Platform flow satisfies the corresponding amount owed to the Provider Company when received as stated in the processor terms. Neither the Platform wallet nor an authorization hold is represented as regulated escrow or a trust account.

7.4 Payment errors. Report duplicate, unauthorized, or incorrect charges promptly through support and the payment issuer. Settlyfe may request reasonable documentation, preserve evidence, correct ledger errors, and coordinate with the Provider Company and processor. Nothing limits rights under card-network rules, the Electronic Fund Transfer Act, or other applicable law.

7.5 Tips. A tip is voluntary. Unless clearly disclosed otherwise, a tip is intended for the Provider Personnel or Provider Company and is not a substitute for wages. Settlyfe may process tips only through the disclosed payment flow.

7.6 Price transparency. Before Customer acceptance, the checkout must display the Service price, mandatory Platform Charge, taxes, known surcharges, discounts, and total. Settlyfe may compute the presented Service price using the scope and rates the Provider Company supplied or adopted. The Provider Company’s payout and Settlyfe’s revenue allocation may differ from the Customer total and are not Customer payment obligations unless itemized to the Customer.

7.7 Provider marketplace fee. Settlyfe may charge the Provider Company a marketplace fee under its separate Provider Company Agreement. That business-to-business fee may vary by Provider Company and Service Opportunity, does not require Settlyfe to disclose its proprietary weighting to the Customer, and is not an additional Customer obligation unless it is expressly itemized in the Customer total.

7.8 No undisclosed changes. A Provider Company may not add a mandatory charge or materially expand scope after arrival without a written change order accepted by the Customer. Tips are voluntary and cannot be used to evade required price disclosure or Platform Charges.

7.9 Variable and dynamic prices. Prices, Platform Charges, discounts, and availability may differ by scope, property, location, schedule, urgency, demand, supply, Provider Company, service level, risk, promotion, and other disclosed marketplace factors. You have no right to a price offered to another user, Provider Company, location, or time. The total and material pricing assumptions displayed for your Service Order before confirmation control, subject only to an accepted change order, an expressly disclosed variable amount, a correction of manifest error permitted by law, or mandatory law.

7.10 Saved payment methods. If you save more than one payment method, Settlyfe or its processor may charge a valid alternate saved method only when the checkout or payment settings clearly authorize that practice, the selected method fails, and applicable law and processor rules permit it. Settlyfe will not treat a stored payment credential as authorization for an undisclosed Service or recurring plan.

8. Scheduling, Access, Cancellation, and Refunds

8.1 Scheduling window. Arrival times may be windows rather than guarantees. The Provider Company must use reasonable efforts to communicate material delays. A Customer must provide lawful, reasonably safe access and an adult contact when required.

8.2 Customer cancellation. The checkout screen must disclose the applicable cancellation/no-show policy before confirmation. Any fee must be reasonable, tied to the disclosed timing or documented costs, and subject to statutory cancellation rights. Settlyfe may waive or refund a fee in appropriate circumstances.

8.3 Provider cancellation. If the Provider Company cancels or fails to appear, the Customer will not owe the unperformed Provider Charges. Settlyfe may attempt a replacement only with Customer confirmation where the Provider identity or material terms change.

8.4 Refund allocation. The Provider Company is responsible for refunds, credits, re-performance, or damages arising from its Service, subject to law and its Service Contract. Settlyfe is responsible for correcting Platform Charges it imposed in error and may facilitate claims without assuming the Provider Company’s substantive liability.

8.5 Statutory rights. Home-solicitation, home-improvement, disaster-repair, senior, subscription, credit-card, and other mandatory cancellation or refund rights are not limited. The Provider Company must supply any required cancellation form and delay work when law requires unless a lawful emergency exception applies.

9. Customer Property, Access, and Safety

9.1 Safe conditions. Disclose known hazards, unsafe structures, asbestos or lead concerns, aggressive animals, infestations, weapons, surveillance, restricted areas, and health risks relevant to the work. Secure valuables and supervise children and animals.

9.2 Access credentials. Share only job-specific access information through approved channels. Temporary codes should expire promptly after the appointment. Do not provide payment credentials, alarm master codes, identity documents, or unrelated private information.

9.3 Surveillance. Follow law concerning audio/video recording and disclose recording where required. Do not place cameras in areas where a person has a reasonable expectation of privacy.

9.4 Stop-work. The Provider Company or Settlyfe may pause or cancel work for an undisclosed hazard, harassment, illegal request, unsafe environment, missing permit, or scope outside credentials. Charges remain subject to the disclosed policy and law.

9.5 Emergencies. The Platform is not an emergency service. For fire, gas, electrical danger, crime, medical emergency, active flooding, or immediate threat, leave the area if appropriate and call 911, the utility, building management, or another qualified emergency resource.

10. Communications, Customer Protection, and Off-Platform Conduct

10.1 Transaction communications. Settlyfe and the Provider Company may communicate as reasonably necessary to quote, schedule, access, perform, document, correct, warrant, pay for, or resolve the Service. Transaction permission is not permission for unrelated advertising.

10.2 Keep the order on Platform. Do not ask for or accept cash, Zelle, Venmo, a personal invoice, an off-platform card payment, or cancellation designed to rebook the introduced job privately. Report such requests. Off-platform conduct may defeat Platform records and any separately stated protection program.

10.3 Post-service limits. After completion or cancellation, Provider contact is limited to an open correction, warranty, receipt, payment issue, claim, safety issue, legally required notice, or a request initiated by the Customer. Promotional, social, romantic, personal, or future-work outreach requires separate permission and must stop upon request.

10.4 Customer choice. These rules protect Platform-originated transactions and data; they do not unlawfully prevent a Customer from using a documented pre-existing provider relationship or independently finding a business without misuse of Settlyfe information. Any conversion or release program must be disclosed and voluntary.

10.5 Protected marketplace relationships. If Settlyfe first introduces a Customer and Provider Company, neither may solicit or complete the same or a substantially related service outside Settlyfe during the protected period stated in the Provider Agreement for the purpose of avoiding displayed Platform Charges, safety records, or payment protections. This restriction does not apply to a relationship the Provider Company documented in the Platform before the Settlyfe introduction.

10.6 Contact after a Service. After completion or cancellation, Provider Personnel may contact the Customer only about a documented warranty, correction, payment, safety, lost-property, claim, or legal matter. Marketing, requests for future work or referrals, and personal, romantic, social, or repeated contact require the Customer’s separate, revocable permission. A Customer may revoke permission by any reasonable method.

10.7 Reporting and non-retaliation. Report unwanted contact, bypass requests, threats, discrimination, fraud, property access, or safety events through the designated support or Trust & Safety channel. Retaliation against a good-faith report or participation in an investigation is prohibited.

10.8 Platform communications and monitoring. Calls, messages, chats, masked-number communications, support interactions, and other communications made through or routed by Platform features may be monitored, recorded, or transcribed for transaction administration, safety, support, quality, fee verification, fraud prevention, dispute resolution, training, and enforcement, as described in the Privacy Policy and only to the extent permitted by applicable recording and privacy law. Where consent or notice is legally required, Settlyfe will provide it before recording or transcription. Do not use a Platform communication feature if you do not agree to an applicable disclosed recording.

10.9 Customer–Provider disputes. A dispute concerning workmanship, injury, property damage, timeliness, a warranty, licensing, or other Provider Service performance is principally between the Customer and Provider Company under their direct Service Contract. Settlyfe may collect evidence, preserve records, facilitate communications, offer nonbinding resolution assistance, process an authorized adjustment, or request participation in a neutral process without assuming the Provider Company’s duties or liability. Each party must participate honestly, preserve relevant evidence, and not retaliate.

11. Reviews, Photos, and User Content

11.1 Ownership and license. As between you and Settlyfe, you retain any ownership rights you have in text, images, video, audio, reviews, requests, messages, documents, feedback, and other material you submit, upload, transmit, or make available through the Platform ("User Content"). You grant Settlyfe and its affiliates a worldwide, nonexclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, transmit, translate, format, adapt, modify, create derivative works from, analyze, display, distribute, and otherwise use User Content to operate, secure, administer, personalize, support, advertise, market, develop, test, and improve the Platform and Settlyfe products and services; to investigate misuse and enforce agreements; and to create, train, fine-tune, test, evaluate, validate, and improve artificial-intelligence, machine-learning, ranking, pricing-assistance, fraud, safety, support, and automation systems. This license lasts for so long as reasonably necessary for those purposes, subject to the Privacy Policy, your available privacy choices, and applicable law.

11.2 Permissions. You represent that you own or have all rights, permissions, and lawful authority necessary to provide User Content and grant the license above, including when the content contains information about another person, property, or business. Do not upload content you lack authority to disclose.

11.3 Platform data and outputs. To the extent permitted by law, Settlyfe owns all rights in Platform software, interfaces, compilations, taxonomies, workflows, operational telemetry, transaction metadata, rankings, models, model weights, prompts created by Settlyfe, analytics, inferences, deidentified data, aggregated data, benchmarks, and outputs generated from or through the Platform, excluding your ownership in underlying User Content. No right to inspect source code, model weights, proprietary ranking factors, or other trade secrets is granted.

11.4 Deidentified and aggregated information. Settlyfe may create, use, license, disclose, commercialize, and sell information that has been aggregated or deidentified so that it is not reasonably linkable to an identified or identifiable person, household, or device. Where applicable law requires it, Settlyfe will maintain the information in deidentified form, will not attempt to reidentify it except to test deidentification or as otherwise permitted by law, and will contractually require recipients to comply with applicable restrictions.

11.5 Personal information. The license in this Section does not eliminate rights provided by privacy law. Settlyfe's collection, use, disclosure, sale, sharing, retention, and AI-related processing of personal information are governed by the Privacy Policy and applicable law. Settlyfe will provide an opt-out or obtain consent where required. A privacy opt-out does not prevent processing reasonably necessary to provide an active transaction, protect security, comply with law, or maintain a suppression record.

11.6 Publicity. Settlyfe may display a review with your public profile information as part of the Platform. Settlyfe will not use identifiable private-home images, a private message, or your name, image, likeness, or testimonial in an external advertising campaign when separate permission is required.

11.7 Content moderation. Settlyfe may review, preserve, restrict, remove, or disclose User Content when it reasonably believes the content violates law, this Agreement, the Platform Rules, third-party rights, or safety requirements; when necessary to operate or protect the Platform; or when required by legal process. Settlyfe has no general obligation to monitor all User Content.

11.8 Reviews. Reviews must reflect genuine experience. Settlyfe may apply neutral moderation, fraud detection, ranking, and publication criteria. Settlyfe does not require positive sentiment, condition a benefit on a particular viewpoint, or guarantee that a review is complete or accurate.

11.9 Feedback. If you provide an idea, suggestion, or feedback about Settlyfe, you grant Settlyfe a perpetual, irrevocable, worldwide, royalty-free right to use, modify, commercialize, and exploit it without restriction or compensation, but Settlyfe does not acquire ownership of your preexisting confidential information merely because you provide feedback.

11.10 Content standards. Content must be accurate to your experience and may not be unlawful, threatening, discriminatory, defamatory, privacy-invasive, infringing, manipulated, or deceptive. Do not post access codes, full addresses, financial data, identity documents, children’s information, or intimate areas.

12. Verification, Credentials, and Protection Claims

12.1 Defined verification only. A badge or statement such as identity checked, license verified, insured, or background checked means only the specific process disclosed at that time and is not a guarantee of present status, character, safety, legality, or performance. Credentials can expire or be misrepresented.

12.2 Customer diligence. Review the Provider identity and credentials shown, ask questions appropriate to the work, do not permit undisclosed personnel, and use official regulator lookup tools for regulated work. Contact support if information differs.

12.3 No implied guarantee. Settlyfe offers no service guarantee, reimbursement program, insurance benefit, deposit protection, or workmanship warranty unless separate written program terms expressly describe eligibility, limits, exclusions, funding, and claim deadlines. Marketing labels do not create an unstated benefit.

13. Prohibited Conduct

Use another person’s identity, payment method, Account, license, review, or credentials without authority.

Request illegal, dangerous, discriminatory, exploitative, sexually explicit, weapons-related, surveillance-evasion, code-evasion, or unlicensed work.

Harass, threaten, stalk, discriminate against, assault, exploit, or retaliate against any user or worker.

Interfere with safety features, scrape personal data, reverse engineer protected components, introduce malware, overload systems, or evade an access restriction.

Manipulate prices, reviews, referrals, claims, identity, location, completion evidence, refunds, chargebacks, or Platform Charges.

Copy customer or provider data to build a contact list or use transaction data for unrelated marketing or sale.

Recruit, solicit, or contact a user for employment, sales, investment, personal, romantic, social, or other purposes unrelated to the specific Platform transaction.

Use Platform content, outputs, personal information, requests, reviews, prices, or communications to train, test, benchmark, or develop a competing machine-learning, artificial-intelligence, marketplace, directory, lead-generation, or pricing product without Settlyfe’s prior written authorization.

Use automated access, scraping, data extraction, credential sharing, evasion, or another method to obtain information or functionality beyond the access Settlyfe intentionally provides to your Account.

14. Privacy, Location, and Security

14.1 Privacy Policy. The Privacy Policy explains categories, purposes, recipients, retention, security, and rights. Service data may include an exact address, photos, access instructions, communications, device data, approximate or precise location when enabled, and incident evidence.

14.2 Provider access. The Provider Company receives only information reasonably needed for the Service and must restrict it to authorized Personnel. Sensitive access is masked until acceptance and revoked after the permitted window, subject to security and legal retention.

14.3 Security limits. No system is perfectly secure. Settlyfe will use safeguards appropriate to the information and Platform scope and will not make an absolute “bank-level” or “fully secure” promise unless technically and legally substantiated.

15. AI and Automated Features

15.1 Assistance only. AI may help categorize a request, suggest questions, estimate ranges, summarize communications, detect anomalies, or rank compatible providers. Output may be incomplete, inaccurate, or unsuitable and must be reviewed before reliance.

15.2 No consequential decision without process. Settlyfe will not use an automated result as the sole basis for a legally significant decision about safety, eligibility, employment, housing, credit, or access where law requires notice, explanation, human review, correction, or opt-out.

15.3 Input responsibility. Do not submit unnecessary sensitive data, trade secrets, or information you lack authority to share. AI use remains governed by the Privacy Policy and applicable consent.

15.4 Operational learning. Settlyfe may use Account, request, quote, availability, acceptance, completion, support, fraud, quality, and outcome data to operate, secure, debug, evaluate, and improve matching, pricing assistance, dispatch, estimated timing, fraud prevention, safety triage, support, and other Platform features, as described in the Privacy Policy.

15.5 Deidentified and aggregated improvement. Settlyfe may create and use deidentified or aggregated information to analyze and improve the Platform and related models. Settlyfe will use reasonable measures designed to prevent reidentification, publicly commit not to reidentify such information except to test its deidentification, and contractually restrict recipients where required.

15.6 Raw content and sensitive data. Settlyfe will not use identifiable identity documents, payment credentials, background-check data, precise location history, access codes, biometric identifiers, health information, private job photos, or private message content to train a general-purpose or shared model unless Settlyfe gives a specific notice and obtains any separate permission required by law. Necessary processing to provide, secure, investigate, or support the transaction is not model training.

15.7 External AI providers. If a third-party model provider processes identifiable Transaction Data, Settlyfe will use data-minimization, security, retention, and contractual controls appropriate to the use. Unless a separate disclosure and authorization says otherwise, the provider may process the data only to provide the contracted feature and may not use it to train a model for unrelated customers.

15.8 Human review and challenge. Settlyfe may use automated tools to prioritize matches, identify anomalies, or recommend actions. Settlyfe will not use an automated output as the sole basis for deactivation, a safety finding, dispute liability, or another decision that produces legal or similarly significant effects where law requires notice, access, opt-out, explanation, or human appeal.

15.9 Feedback and corrections. If you rate a job, correct an estimate, report a bad match, or otherwise provide feedback, Settlyfe may use that feedback to improve the Platform. Reviews remain subject to the Review Rules and may not be purchased, conditioned on positive sentiment, or fabricated.

16. Intellectual Property and Platform License

16.1 Limited license. Settlyfe grants you a personal, limited, revocable, nonexclusive, nontransferable license to use the Platform for lawful personal or authorized business booking purposes during the Home Services Platform.

16.2 Restrictions. Except as law permits, do not copy, sell, sublicense, reverse engineer, scrape, frame, create derivative works from, or use Platform software, data, branding, or AI output to develop a competing dataset or service.

16.3 Feedback. If you voluntarily provide feedback, Settlyfe may use it without restriction or compensation, but this does not transfer ownership of your pre-existing content or confidential information.

16.4 Copyright complaints. A copyright owner or authorized agent may send a notice identifying the work, allegedly infringing material and location, contact information, a good-faith statement, an accuracy-and-authority statement under penalty of perjury, and a physical or electronic signature to Settlyfe@gmail.com and 15617 Pumpkin Pl, Fontana, CA 92336. Settlyfe may remove material and terminate repeat infringers as applicable.

17. Third-Party Services and Mobile Applications

17.1 Third parties. Payment processors, maps, communications carriers, identity vendors, app stores, regulators, and Provider Companies operate under their own terms and legal duties. Settlyfe is responsible for its selection and use of processors to the extent required by law but does not control an independent third party’s separate service.

17.2 Mobile permissions. Camera, photo, notification, microphone, contacts, Bluetooth, and location permissions are controlled through the device. Grant only permissions needed for features you choose.

17.3 App stores. Apple, Google, and other stores are not parties to the Service Contract and generally do not provide support or warranties for Settlyfe. Applicable store terms also apply.

18. Suspension, Investigations, and Termination

18.1 Protective action. Settlyfe may limit messaging, mask data, revoke codes, pause a disputed transaction, prevent new bookings, suspend an Account, preserve records, or contact appropriate parties when reasonably necessary for safety, security, fraud prevention, legal compliance, or investigation.

18.2 Fair process. Except when immediate action is reasonably necessary, Settlyfe will provide notice of the material reason and a reasonable appeal path. Outcomes should be evidence-based, proportionate, consistently applied, and nondiscriminatory.

18.3 Closing an Account. You may request closure after resolving open jobs, payments, disputes, and legally required records. Terms concerning payment, claims, intellectual property, liability, dispute resolution, and records survive as necessary.

18.4 Effect of Platform action. Suspension, deactivation, data masking, ranking changes, removal of content, denial of a request, or discontinuation of a feature does not cancel accrued payment obligations or create a right to lost profits, expected opportunities, or continued Platform access, except to the extent a remedy is required by mandatory law or a separate written commitment.

19. Disclaimers

Important: The following provisions allocate risk only to the maximum extent permitted by law. They do not waive a non-waivable warranty, statutory remedy, personal-injury rule, privacy right, or responsibility for fraud, willful injury, or violation of law.

19.1 Platform as available. Except for express promises in an accepted Service Order or separate program terms, the Platform is provided “as is” and “as available.” Settlyfe disclaims implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement to the extent lawful.

19.2 Provider Services. Settlyfe does not warrant or assume the Provider Company’s workmanship, safety, timeliness, licensing, materials, code compliance, Personnel, warranties, property damage, injury, or contract performance. Those matters remain the Provider Company’s responsibility and are not converted into Settlyfe obligations by support, matching, payment facilitation, or investigation.

19.3 No reliance on estimates or badges. Estimates, match rankings, arrival predictions, reviews, credential indicators, and AI outputs are informational and not guarantees unless a separate written term expressly states otherwise.

20. Limitation of Settlyfe Liability

20.1 Excluded damages. To the maximum extent permitted by law, Settlyfe and its affiliates, officers, directors, employees, and agents (“Settlyfe Parties”) will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, lost profits, lost opportunities, or loss of data arising from the Platform, even if advised of the possibility.

20.2 Cap. To the maximum extent permitted by law, the Settlyfe Parties’ aggregate liability for claims arising from the Customer’s use of the Home Services Platform will not exceed the greater of (a) Platform Charges actually paid by that Customer to Settlyfe during the 12 months before the event giving rise to the claim or (b) $100. Provider Charges are paid for the Provider Company’s Service and are not amounts paid for Settlyfe’s own service for purposes of this cap.

20.3 Exclusions from cap. The exclusions and cap do not apply to liability that cannot lawfully be limited, including Settlyfe’s fraud, willful injury, unlawful conduct within California Civil Code section 1668, or another non-waivable statutory duty. They also do not reduce the Provider Company’s direct responsibility to the Customer.

20.4 Essential allocation. These limitations reflect the Platform’s limited Platform Charges and allocate risk between Settlyfe’s technology role and the Provider Company’s service role. If a jurisdiction does not permit a limitation, it applies only to the maximum extent allowed.

21. Customer Indemnity

21.1 Limited consumer indemnity. To the extent permitted by law, you will indemnify the Settlyfe Parties against a third-party claim arising from your intentional unlawful conduct, fraud, knowing infringement, unauthorized property access, or material misuse of the Platform. This does not apply to ordinary good-faith consumer use or liability caused by a Settlyfe Party or Provider Company.

21.2 Procedure. Settlyfe will provide reasonable notice, may control the defense with qualified counsel, and will not agree to a settlement imposing a nonmonetary obligation or admission on you without consent, not unreasonably withheld. Late notice reduces the obligation only to the extent of actual prejudice.

22. Dispute Resolution and Arbitration Agreement

Read carefully: Except for the stated exceptions and unless you timely opt out, you and Settlyfe agree to individual binding arbitration rather than court. You waive a jury trial and class or representative proceedings to the extent permitted by law. This section applies only to disputes with Settlyfe; disputes directly between Customer and Provider Company are governed by their Service Contract and mandatory law.

22.1 Covered disputes. A “Dispute” is a claim between you and a Settlyfe Party relating to the Platform, these Terms, communications, marketing, privacy, Platform Charges, or Settlyfe’s role in a transaction, under any legal theory. The Federal Arbitration Act governs this arbitration agreement.

22.2 Informal notice. Before arbitration, the claimant must send an individualized Notice of Dispute to Settlyfe@gmail.com with the claimant’s name, Account contact, facts and legal basis, requested relief and calculation, and signature. The parties will confer in good faith for 60 days. Limitations periods are tolled during that period to the extent permitted.

22.3 Arbitration. If unresolved, either party may commence individual arbitration with the American Arbitration Association under its Consumer Arbitration Rules, as modified here. The arbitrator may award the same individualized relief a court could award and must provide a reasoned decision. Settlyfe will pay fees required by law and applicable AAA rules.

22.4 Individual relief. The arbitrator may resolve only the individual claimant’s dispute and may not consolidate merits or remedies or preside over a class, collective, or representative action. Administrative coordination under applicable mass-arbitration procedures does not merge claims. A court decides enforceability of this waiver.

22.5 Coordinated or mass filings. If 25 or more substantially similar arbitration demands are submitted against the same party within 180 days by the same or coordinated counsel or organizations, the demands remain individual but will be administered under the arbitration provider’s applicable mass-arbitration procedures. The parties will meet and confer in good faith concerning staged administration, appointment of a process arbitrator or special master for administrative threshold issues, representative test cases, mediation, and fee-efficient batches. No procedure may eliminate an individual claimant’s substantive claim, shorten a limitation period while that claim is stayed, or prevent individualized relief. If the selected provider refuses to administer the demands under a lawful individual or coordinated procedure, either party may ask a court of competent jurisdiction to appoint a provider under 9 U.S.C. section 5 or determine the appropriate forum.

22.6 Exceptions. Either party may use small-claims court; seek temporary emergency relief for safety, access, confidential information, or intellectual property; report to or seek relief from an agency; pursue a claim federal law exempts from predispute arbitration; or seek public injunctive relief in the forum mandatory law requires.

22.7 Thirty-day opt-out. You may opt out without affecting your Account by emailing Settlyfe@gmail.com within 30 days after first acceptance. Use subject “Arbitration Opt-Out” and include your name, Account email or phone, a clear opt-out statement, and electronic signature. Settlyfe will honor a valid prior opt-out unless you later expressly accept arbitration.

22.8 Court claims and severability. For a claim not arbitrated, each party waives a jury to the extent lawful. This section survives termination. An unenforceable provision will be narrowed or severed while preserving the remainder, except as applicable law requires.

23. Governing Law and Venue

23.1 Law. The Federal Arbitration Act governs Section 22. Otherwise Delaware law applies without regard to conflict rules, but a consumer retains mandatory protections of the jurisdiction of residence and each Service remains subject to mandatory law at the worksite.

23.2 Venue. A permitted court proceeding may be brought in the state or federal courts serving New Castle County, Delaware, except where consumer, small-claims, real-property, or worksite law permits or requires another venue.

24. General Terms

24.1 Assignment. You may not assign these Terms without Settlyfe’s consent. Settlyfe may assign them to an affiliate or in connection with a financing, merger, reorganization, or sale, subject to required notice and consumer rights.

24.2 Severability; no waiver. Except as Section 22 provides, an unenforceable term will be narrowed or severed. Failure to enforce is not a waiver. A waiver must be written and limited to the identified instance.

24.3 Entire agreement. This Agreement and the incorporated Platform Rules, applicable product addenda, and transaction terms are the entire agreement between you and Settlyfe concerning their subject. They do not replace the direct Service Contract with a Provider Company or any separate product agreement expressly presented for another Settlyfe feature.

24.4 Force majeure. A party is not liable for delay caused by events beyond reasonable control, but this does not excuse payment already due, legally required refunds, safety duties, data-breach duties, or reasonable mitigation.

25. Notices and Contact

25.1 Electronic notices. Settlyfe may send notices through the Account, email, text, push notification, or mailing address on file, subject to communication law. Keep your information current.

25.2 Contact channels. General support: Settlyfe@gmail.com. Privacy: Settlyfe@gmail.com. Legal notices and arbitration opt-outs: Settlyfe@gmail.com. Trust & Safety: the in-app report flow and Settlyfe@gmail.com. Mail may be sent to 15617 Pumpkin Pl, Fontana, CA 92336.

26. App Stores and Mobile Software

26.1 License. Subject to this Agreement, Settlyfe grants you a limited, personal, revocable, nonexclusive, nontransferable license to install and use an authorized copy of the mobile application on a device you own or control, solely for lawful personal or internal business use.

26.2 App-store terms. If you obtained the application through Apple, Google, or another app store, the store's terms also apply. The app store is not responsible for the Platform, Services, support, claims, or this Agreement. Apple and its subsidiaries are intended third-party beneficiaries of this Section for an application obtained through Apple's App Store.

26.3 Updates and access. The application may download or require updates. Settlyfe may change compatibility, security requirements, and supported versions. Circumventing technical controls, reverse engineering except where law prohibits restriction, introducing malicious code, or using unauthorized automated access is prohibited.

27. Export, Sanctions, and Anti-Corruption

27.1 Trade controls. You may not use or export the Platform in violation of U.S. export-control, sanctions, or anti-boycott laws, or for a prohibited end use or prohibited person. You represent that you are not subject to a government prohibition that bars your use.

27.2 Improper payments. You may not use the Platform to offer, authorize, request, or conceal a bribe, kickback, fraudulent payment, or other unlawful advantage.

28. Copyright, Trademark, User Content, and Feedback Policies

28.1 Infringement claims. Copyright notices and counter-notices must be sent to Settlyfe's published copyright contact and satisfy the Copyright and Trademark Policy. Trademark complaints must follow that Policy's separate trademark process. A copyright complaint sent through ordinary customer support may not provide the information required for a DMCA notice.

28.2 User Content Policy. All reviews, messages, photos, videos, documents, profiles, ratings, prompts, support submissions, and other User Content are also governed by the User-Generated Content Policy.

28.3 Feedback Policy. Product suggestions, feature requests, concepts, proposals, and unsolicited ideas are governed by the Feedback and Unsolicited Ideas Policy. Do not submit confidential or proprietary ideas without a separate written agreement signed by an authorized Settlyfe representative.

28.4 Repeat infringers. In appropriate circumstances, Settlyfe may terminate or restrict users Settlyfe reasonably determines are repeat infringers, consistent with the Copyright and Trademark Policy and applicable law.

Schedule A — Service Transaction Terms

A1. Provider responsibility. The Provider Company identified in the Service Order is solely responsible for Service performance and its Personnel. Customer claims about workmanship, damage, injury, warranty, permit, or legal compliance should be reported promptly to both the Provider Company and Settlyfe so records can be preserved.

A2. Changes. A material scope or price change requires an electronic or written change order showing the changed work and total additional price before work, unless a narrow emergency exception applies. Platform chat alone is not an approved change unless the interface records clear assent.

A3. Completion. Completion must be supported by Customer confirmation or objective evidence appropriate to the category. Silence alone should not conclusively establish satisfactory completion while a timely, documented dispute is pending.

A4. Claims. Report visible damage or incomplete work as soon as reasonably possible, preferably within 48 hours, without shortening any statutory limitation or latent-defect right. Preserve photos, messages, receipts, serial numbers, and access records and take reasonable steps to prevent further damage.

A5. Category documents. For home improvement, construction, moving, pest control, locksmith, HVAC, electrical, plumbing, or other regulated work, the Provider Company’s legally required contract and notices control over inconsistent generic terms. Settlyfe must gate the category if compliant documents and license verification are not operational.

A6. Recurring authorization. Unless the Customer separately accepts a completed Recurring Service Plan Summary and Addendum, this Schedule authorizes one Service only. For an enrolled plan, each visit remains subject to a Service Order or visit record identifying the Provider Company, current price, scope, schedule, and cancellation terms.

Electronic acceptance record: "By selecting Create Account & Agree, I agree to the U.S. User Agreement and Service Platform Rules. I acknowledge the Privacy Policy. I understand that the Provider Company identified in each Service Order—not Settlyfe—will perform and be responsible for the Service." The Privacy Policy is presented as a separate linked notice; marketing, recurring-plan, and other legally distinct consents are separate.

Schedule B — California Regulated-Work Overlay

B1. Category gate. Settlyfe must not display a Provider Company as eligible for a California category unless operations have confirmed the license, classification, status, business name, and expiration information that the category and job value require. A badge must state exactly what was checked and when. The Customer should independently confirm current status with the responsible regulator.

B2. Provider contract duties. The Provider Company—not Settlyfe—is responsible for supplying every legally required home-improvement, service-and-repair, home-solicitation, disaster-repair, senior-cancellation, permit, lien, contractor-license, and change-order notice and for using the required form, font size, signatures, and timing.

B3. Platform limitation. The Settlyfe Service Order is a marketplace transaction record. It does not replace a statutory contractor form where one is required. If a required Provider contract conflicts with the Service Order, mandatory law controls and the Provider Company must reconcile the documents before work begins.

B4. Emergency services. A claimed emergency does not waive statutory requirements unless the precise legal exception applies and is documented by the Provider Company.

Mandatory-Law Savings

To the maximum extent permitted by law, each disclaimer, release, indemnity, limitation, remedy, choice-of-law provision, and arbitration provision is subject to non-waivable law, including California Civil Code section 1668.