Terms & Conditions

1. Introduction and Acceptance

1.1 These Terms & Conditions (“Terms”) govern your access to and use of the website at https://settleins.com, together with any associated mobile applications, sub-domains, software, application programming interfaces (APIs), dashboards, and services operated under the brand “SettleIns” (collectively, the “Platform”).

1.2 The Platform is owned and operated by Haalaaraa Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at 3A, NU Prestige Homes, Aishwaryam Villas, Shakthi Garden Main Road, Okkiyam Thoraipakkam, Chennai – 600097, Tamil Nadu, India (“SettleIns”, “Company”, “we”, “us”, or “our”).

1.3 These Terms constitute a legally binding electronic agreement between you and the Company. They are an electronic record generated by a computer system and do not require a physical, digital, or electronic signature, and are published in accordance with the Information Technology Act, 2000, the rules thereunder, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, as amended.

1.4 By accessing, browsing, registering on, or otherwise using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional policies or guidelines referenced herein. If you do not agree, you must not access or use the Platform.

1.5 We may amend these Terms at any time. Where we make material changes, we will take reasonable steps to notify you (for example, by posting a notice on the Platform or by email). Your continued use after the changes take effect constitutes acceptance. You are responsible for reviewing these Terms periodically.

2. Definitions

In these Terms, unless the context requires otherwise:

2.1 “Accommodation” means any paying-guest accommodation, hostel, co-living space, rental residence, or similar living arrangement listed, discoverable, or transacted through the Platform.

2.2 “Account” means a registered user profile on the Platform.

2.3 “Booking” means a request, reservation, or confirmation made through the Platform in respect of an Accommodation, where enabled.

2.4 “Community Contribution” means information, data, photographs, reviews, corrections, neighbourhood insights, or other content submitted by Users to enrich the Platform (Clause 8).

2.5 “Contribution Reward” means discretionary additional access, credits, Coins, or unlocks granted in recognition of verified Community Contributions (Clause 9).

2.6 “Content” means any text, images, photographs, video, audio, data, listings, reviews, ratings, scores, or other material made available on or through the Platform.

2.7 “Coins” means the virtual access credits, tokens, or units issued or made available by SettleIns within the Platform, whether complimentary, purchased, earned, or promotional, that may be applied to unlock features, content, or services on the Platform (Clause 10).

2.8 “Corporate Account” means an Account or arrangement under which an organisation accesses the Platform for relocation, accommodation-sourcing, or related services on behalf of its personnel (Clause 14).

2.9 “Derived Data” means any aggregated, compiled, statistical, inferred, modelled, de-identified, or anonymised data, and any insights, indices, scores, datasets, analytics, model outputs, embeddings, vector representations, trained model weights and parameters, or feature sets, that are generated, derived, or developed by or for SettleIns from any source, including User-Generated Content, listings, Bookings, and Platform activity (Clause 23).

2.10 “Intelligence Score” means an aggregate, algorithmically derived indicator summarising the depth, completeness, or richness of information available about an Accommodation or locality (Clause 18).

2.11 “Mini Plan” means a one-time or limited-scope paid pack that unlocks additional listings, views, or features for a User (Clause 11).

2.12 “Owner” means a property owner, landlord, manager, operator, or authorised representative who claims, lists, or manages an Accommodation on the Platform.

2.13 “Platform Intelligence” means, collectively, the Trust Scores, Intelligence Scores, Verification status, Safety, Walkability, Food, neighbourhood, locality, route, market, and other scores or indices, AI Output, recommendation outputs, and other proprietary intelligence features now or hereafter offered on the Platform.

2.14 “Platform Services” means the discovery, comparison, communication, Booking-workflow, software, and property-management features offered through the Platform.

2.15 “Referral Reward” means a discretionary benefit, including Coins, granted for a verified referral (Clause 13).

2.16 “SaaS Services” means the software-as-a-service tools provided to Owners (Clause 16).

2.17 “Subscription Plan” means a recurring paid plan subscribed to by an Owner (Clause 12).

2.18 “Trust Score” means an indicator reflecting signals associated with an Accommodation or Owner (Clause 17).

2.19 “User”, “you”, or “your” means any person who accesses or uses the Platform.

2.20 “User-Generated Content” or “UGC” means any Content submitted, uploaded, or transmitted by a User, including Community Contributions.

2.21 “Verification Badge” means a visual indicator that certain information has undergone a verification process (Clause 15).

2.22 References to statutes include rules and amendments thereunder. Headings are for convenience only.

3. Nature of the Platform and Business Model

3.1 SettleIns is an accommodation discovery, comparison, communication, Booking, community-contribution, property-intelligence, and property-management ecosystem, including SaaS Services for Owners and, where offered, AI-assisted relocation features.

3.2 SettleIns is not the owner, operator, landlord, lessor, or manager of any Accommodation. We do not own, possess, control, let, sub-let, or guarantee any Accommodation, and (except where expressly stated as part of a verification process) do not inspect them.

3.3 Any rental, paying-guest, licence, or occupancy arrangement is concluded directly between the User and the Owner. SettleIns is not a party to such arrangements and assumes no liability arising out of their terms, performance, breach, or termination.

3.4 Payments for Accommodation (rent, deposits, Owner charges) are generally made directly to the Owner, whether through integrated third-party payment gateways or the Owner's own payment methods. SettleIns does not operate an escrow. Except where expressly stated, SettleIns does not collect, hold, or act as escrow for such payments and is not responsible for their processing, settlement, or reconciliation.

3.5 SettleIns acts as an “intermediary” within the meaning of the Information Technology Act, 2000 in respect of third-party information, listings, and UGC hosted on the Platform, and as a “marketplace e-commerce entity” within the meaning of the Consumer Protection (E-Commerce) Rules, 2020 in respect of the discovery and Booking functions. SettleIns does not initiate the transmission of, select the receiver of, or select or modify third-party information, save for routine technical handling and the moderation rights reserved under these Terms.

3.6 The role of SettleIns is limited to providing technology that facilitates discovery, comparison, communication, Booking workflows, software tooling, and related services. SettleIns makes no representation, warranty, or guarantee regarding the existence, quality, legality, safety, habitability, or suitability of any Accommodation, or the conduct, identity, or solvency of any Owner or User.

3.7 Our exercise of any moderation, editing, verification, ranking, curation, or removal right under these Terms is undertaken in good faith to maintain the integrity of the Platform and does not affect, diminish, or constitute a waiver of, our status and protections as an intermediary under Section 79 of the Information Technology Act, 2000 and the rules thereunder. Nothing in these Terms shall be construed as SettleIns assuming editorial responsibility for third-party Content or UGC.

4. Mandatory Disclosures (Consumer Protection (E-Commerce) Rules, 2020)

4.1 Legal name of the marketplace e-commerce entity: Haalaaraa Technologies Private Limited.

4.2 Principal geographic address: 3A, NU Prestige Homes, Aishwaryam Villas, Shakthi Garden Main Road, Okkiyam Thoraipakkam, Chennai – 600097, Tamil Nadu, India.

4.3 Website: https://settleins.com. Customer-care contact: hello@settleins.com.

4.4 Grievance Officer: as set out in Clause 36.

4.5 SettleIns will, in respect of Owners onboarded to the Platform, take reasonable measures consistent with applicable law to require those Owners to provide accurate listing information, and will display the seller/Owner information required to enable Users to make informed decisions, to the extent provided to us by the Owner.

4.6 SettleIns shall not, in the course of its business on the Platform, adopt any unfair trade practice whether in the nature of misleading advertisement or otherwise, shall not manipulate the price of the services offered on the Platform so as to gain unreasonable profit, and shall not discriminate between Users of the same class or make any arbitrary classification of Users affecting their rights under applicable consumer-protection law.

5. Eligibility

5.1 To register an Account or transact, you must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872.

5.2 If you access the Platform on behalf of a business or other entity, you represent that you are authorised to bind that entity, and references to “you” include that entity.

5.3 You may use the Platform only in compliance with these Terms and applicable law. We may refuse, suspend, or terminate access for any person who does not meet the eligibility criteria or breaches these Terms.

5.4 The Platform is intended for use in India and is directed at Users seeking or offering Accommodation within the jurisdictions we serve.

5.5 Accommodation for minor occupants. The Company recognises that Accommodation is frequently sought for occupants who are below 18 years of age, such as students relocating for school or college (each a “Minor Occupant”). Accommodation may be searched or booked by an eligible adult User — such as a parent, lawful guardian, sponsor, or an educational or institutional account — on behalf of a Minor Occupant. A Minor Occupant may browse the Platform, but may not themselves register an Account, enter into any contract, make any payment, or otherwise transact on the Platform. All Account, contractual, and payment actions in respect of a Minor Occupant must be undertaken by the eligible adult, who remains responsible for the arrangement and for the Minor Occupant's personal data in accordance with Clause 25.5.

6. User Accounts

6.1 Certain features require registration. You agree to provide accurate, current, and complete information and to keep it updated.

6.2 You are responsible for the confidentiality of your credentials and for all activity under your Account, and must notify us promptly of any unauthorised use or suspected breach.

6.3 You may register or authenticate using a mobile number, email address, or permitted third-party sign-in, and consent to receive verification codes and service communications accordingly.

6.4 You must not create an Account using false information, impersonate any person, maintain multiple Accounts to abuse Contribution Rewards, Referral Rewards, or Mini Plans, or transfer your Account without our consent.

6.5 We may verify any information you provide and may decline, suspend, or remove any Account where information is inaccurate, misleading, or in breach of these Terms.

7. Property Listings

7.1 Listings may be created by Owners, sourced from publicly available information, or compiled by SettleIns to facilitate discovery. Presence of a listing does not signify endorsement or a representation as to accuracy or availability.

7.2 Listing information — rent, deposits, availability, amenities, photographs, location, house rules — is primarily supplied by Owners or third parties. SettleIns does not guarantee its accuracy, completeness, or currency except to the limited extent of any verification process.

7.3 Listings may be ranked, sorted, filtered, highlighted, or featured based on relevance, recency, completeness, Subscription Plan status, User preferences, location signals, AI and machine-learning models, personalisation algorithms, engagement signals, A/B testing and experimentation, or other proprietary factors determined by SettleIns. Where ranking or display is materially influenced by a commercial arrangement, we will endeavour to disclose this consistent with applicable consumer-protection requirements.

7.4 SettleIns may, without obligation, edit, reformat, reject, suspend, or remove any listing that is inaccurate, unlawful, fraudulent, duplicative, or in breach of these Terms or our listing guidelines.

7.5 Users must independently verify all material details — legal title, occupancy terms, pricing, deposits, physical condition — directly with the Owner and through physical inspection before entering into any arrangement or making any payment.

7.6 Broker and agent disclosure. The Platform is designed to facilitate direct connections between Users and property owners. Any person who lists or claims an Accommodation, or who responds to User enquiries through the Platform, must accurately disclose whether they are the direct owner of the Accommodation or are acting as a broker, agent, property manager, aggregator, or other intermediary. Misrepresenting one's status as a direct owner when acting in any intermediary capacity is a material breach of these Terms.

7.7 Platform rights regarding intermediary listings. SettleIns may, at its discretion and without obligation, label, flag, demote, restrict, suspend, or remove any listing where the lister is identified or reasonably suspected to be acting as a broker, agent, or intermediary, whether or not the lister has disclosed that status. SettleIns may restrict certain Platform features, Verification Badges, Trust Scores, or ranking benefits to listings by verified direct owners. Nothing in this Clause creates an obligation on SettleIns to identify or remove all intermediary listings, and SettleIns is not liable for any intermediary listing that remains on the Platform.

7.8 Property claiming. An Owner may submit a request to “claim” an existing listing to assume management and editorial control of it. To claim a listing, the Owner must complete the claiming workflow and may be required to provide identity, authority, or ownership documentation. By claiming a listing, the Owner makes the representations in Clause 7.6 and authorises SettleIns to verify the claim, including through Verification Calls under Clause 15.5.

7.9 Competing claims and disputes. SettleIns may approve, reject, or revoke a claim at its discretion, including where competing claims arise, documentation is insufficient, or information is found to be inaccurate. Where competing claims are made over the same Accommodation, SettleIns may suspend the listing, request further documentation, or take other reasonable steps. SettleIns is not obliged to adjudicate ownership or authority disputes and accepts no liability for the outcome of any claim decision.

8. Community Contributions and Review Integrity

8.1 Users may submit Community Contributions such as neighbourhood information, amenity details, corrections, photographs, and reviews.

8.2 By submitting a Community Contribution, you represent that it is your own or that you are entitled to submit it, that it is accurate to the best of your knowledge, reflects genuine experience, and does not infringe any third-party right or violate any law.

8.3 Community Contributions are subject to review, verification, editing, aggregation, or rejection. We may use, display, adapt, and combine them under the licence in Clause 22 and the ownership terms in Clause 23.

8.4 Review integrity. You must not: submit false, fabricated, or misleading reviews; publish reviews of Accommodations you have not genuinely experienced; submit reviews in exchange for undisclosed consideration from an Owner; operate or participate in review-manipulation schemes; or post content designed to inflate, deflate, or distort any rating, score, ranking, or reward. Where a contribution is or may be incentivised (including by a Contribution Reward), SettleIns may label, filter, weight, or exclude it, consistent with applicable consumer-protection and review-authenticity norms.

8.5 Contributions found to be false, abusive, manipulative, or fraudulent may be removed and may result in forfeiture of associated rewards and suspension or termination of the Account.

9. Contribution Rewards

9.1 SettleIns may, at its discretion, grant Contribution Rewards — including Coins and other access credits — to Users who make verified, good-faith Community Contributions. Where Contribution Rewards take the form of Coins, they are additionally subject to Clause 10.

9.2 Contribution Rewards are a discretionary, promotional benefit. They have no monetary value, are not redeemable for cash, are non-transferable, and may be modified, withheld, expired, or discontinued at any time without liability.

9.3 SettleIns determines, in its sole discretion, qualification, nature, quantum, and verification standards.

9.4 Any attempt to obtain Contribution Rewards through false, automated, duplicated, collusive, or manipulative means is prohibited and may result in forfeiture, reversal of unlocks, and suspension or termination.

10. Coins, Access Credits and Virtual Rewards

10.1 Nature of Coins. Coins are internal, non-monetary, platform-specific access units that may be applied to unlock features, content, premium property intelligence, or services within the Platform. Coins are not money, currency, legal tender, cryptocurrency, a stored-value instrument, a pre-paid payment instrument, cashback, loyalty points, securities, or financial instruments of any kind. Coins confer no property right, investment right, or ownership interest, and do not constitute a deposit, balance, or account with SettleIns or any financial institution.

10.2 Acquisition. Users may acquire Coins through one or more means as made available from time to time, including: (a) complimentary grant upon Account registration or as a periodic or promotional allocation; (b) purchase of Coin packs at displayed prices; (c) earning through verified Community Contributions (Clause 9); (d) Referral Rewards (Clause 13); (e) promotional programmes, campaigns, challenges, or gamification activities; or (f) any other mechanism SettleIns may introduce. The means, availability, quantum, and conditions of acquiring Coins are determined entirely by SettleIns and may change without prior notice.

10.3 Usage. Coins may be redeemed to unlock features, content, or services within the Platform as specified at the time of redemption. The features available for unlock, and the number of Coins required, are determined by SettleIns and may change at any time. Once redeemed, Coins are consumed and cannot be reversed, re-credited, or re-used, except at SettleIns's discretion or as required by law. Coins cannot be used outside the Platform.

10.4 Expiry and validity. Coins may be subject to an expiry period or validity window as communicated at the time of issue or as published on the Platform. Expired Coins are automatically forfeited and cannot be reinstated. SettleIns may change expiry periods prospectively.

10.5 No cash value, transferability, or redemption. Coins have no monetary or cash value, cannot be redeemed, exchanged, refunded, or converted into money, cryptocurrency, or any other form of value, and cannot be transferred, sold, traded, assigned, or gifted to any other person, except where SettleIns expressly introduces such functionality in the future. Coins cannot be withdrawn from the Platform.

10.6 Purchased Coins. Payment for a Coin pack constitutes payment for immediate access to digital platform features. Purchased Coins are subject to Clauses 20 (Payments) and 21 (Refunds). Purchased Coins have no greater rights, status, or protections than complimentary or earned Coins, except as required by applicable consumer-protection law.

10.7 Platform discretion. SettleIns reserves complete discretion, exercisable at any time and without liability, to: (a) change the number of Coins required to unlock any feature; (b) change the number of Coins granted, earned, or awarded under any mechanism; (c) change or introduce expiry periods; (d) modify, suspend, or discontinue any promotional, earning, or redemption programme; (e) rename Coins or adopt a different designation; (f) merge or replace Coins with any other virtual credit, reward, or access system; (g) introduce additional virtual assets, tokens, or reward tiers; or (h) discontinue the Coin system entirely. Your continued use of the Platform after any such change constitutes acceptance.

10.8 Fraud, abuse, and manipulation. Any attempt to acquire, accumulate, or use Coins through fraudulent, deceptive, manipulative, or abusive means is prohibited, including: submitting false or fabricated Community Contributions; creating duplicate or fictitious Accounts; using bots, scripts, or automation; coordinating to manipulate Coin balances, scores, or rewards; making fraudulent referrals; and exploiting bugs, errors, or technical vulnerabilities. On detection or reasonable suspicion, SettleIns may, without prior notice and without compensation or liability: remove, reverse, or zero-out any Coins; reverse any content or feature unlocked using those Coins; suspend or terminate the Account under Clause 31; and restrict future participation in any reward or Coin programme.

10.9 Technical corrections. SettleIns may correct any accidental or erroneous grant, deduction, pricing, or application of Coins resulting from a technical error, system malfunction, or pricing mistake, without prior notice and without liability. Where a correction results in a material reduction of a Coin balance, SettleIns will use reasonable efforts to notify the User after the correction.

10.10 No guarantee of future availability. SettleIns does not guarantee that the Coin system, or any particular feature, earning mechanism, or redemption option associated with it, will remain available.

10.11 Future reward and gamification systems. SettleIns may introduce new virtual reward systems, gamification features, challenges, badges, reputation tiers, streak mechanics, or other engagement programmes alongside or in replacement of Coins. Such programmes will be governed by programme-specific terms, if any, and by these Terms to the extent applicable.

11. Mini Plans

11.1 Users may purchase Mini Plans to unlock additional listings, views, or features. Mini Plans may include a grant of Coins among their inclusions, in which case those Coins are governed by Clause 10 from the point of grant. Scope, price, duration, and inclusions are as displayed at purchase.

11.2 Mini Plans are made available on a one-time or limited-scope basis as specified, are personal to the purchasing User, and are non-transferable.

11.3 Unless stated otherwise, Mini Plan benefits are consumed on use, expire at the end of the stated period, and do not carry over.

11.4 Mini Plans are subject to Clauses 20 (Payments) and 21 (Refunds).

12. Subscription Plans

12.1 Owners may subscribe to Subscription Plans for SaaS Services or enhanced features. Features, limits, price, billing cycle, and renewal terms are as displayed or set out in an applicable order form.

12.2 Unless stated otherwise, Subscription Plans renew automatically at the then-current price until cancelled. You may cancel renewal before the next billing date. Cancellation stops future renewals but does not entitle you to a refund for the current or any past billing period, except as required by law or expressly stated.

12.3 We may change features, limits, or pricing on prospective notice. Where a renewal price increases, we will endeavour to notify you in advance; continued subscription after the change constitutes acceptance.

12.4 On expiry, downgrade, or termination, access to plan-specific features may cease and certain data or functionality may become unavailable. You are responsible for exporting data you wish to retain, where export is offered.

12.5 Applicable taxes (including GST) are charged in addition to displayed prices unless stated to be inclusive.

13. Referral Rewards

13.1 SettleIns may operate referral programmes offering discretionary Referral Rewards — including Coins — to Users who refer new Users or Owners who genuinely register and meet the published conditions. Where Referral Rewards take the form of Coins, they are additionally subject to Clause 10.

13.2 Referral Rewards are discretionary and promotional, have no monetary value unless expressly stated, are non-transferable, and may be modified or discontinued at any time. Programme-specific terms published at the time of the offer apply.

13.3 Self-referrals, fake referrals, duplicate Accounts, automated referrals, and any abusive or manipulative referral activity are prohibited and may result in forfeiture and Account action under Clause 9.4 mutatis mutandis.

14. Corporate and Relocation Accounts

14.1 SettleIns may offer Corporate Accounts and relocation services to organisations. Access to Corporate Accounts may be subject to a separate corporate order form or supplementary terms, which prevail over these Terms to the extent of any conflict for that arrangement.

14.2 An organisation using a Corporate Account is responsible for the authorised use of the Account by its personnel, for any personal data it provides about its personnel (for which it acts as a separate Data Fiduciary under Clause 25), and for compliance with applicable law.

14.3 Except as expressly agreed in a corporate order form, the disclaimers, limitations, and other protections in these Terms apply to Corporate Accounts.

15. Verification Badges

15.1 A Verification Badge (such as “SettleIns Verified,” “Verified on Call,” or similar labels) indicates that certain information about an Accommodation or Owner has been put through a verification process operated or commissioned by SettleIns. Verification may be conducted through telephone calls, document review, community-data cross-referencing, third-party data sources, or other methods determined by SettleIns. Verification is typically conducted remotely and does not ordinarily involve a physical inspection of the Accommodation. Criteria, method, and the label applied may change from time to time.

15.2 A Verification Badge is not a guarantee. It does not warrant legal title, ongoing accuracy, safety, habitability, or suitability of an Accommodation, nor the conduct, identity, or solvency of an Owner. It reflects the position at the time of verification and may become outdated.

15.3 Users must continue to exercise independent judgment and due diligence regardless of any badge.

15.4 SettleIns may grant, withhold, suspend, or revoke a Verification Badge at any time.

15.5 Verification calls. As part of its verification process, SettleIns or its authorised representatives may contact Owners, property managers, or other relevant persons by telephone to verify information submitted about an Accommodation, including details contributed by the community (“Verification Calls”). By listing, claiming, or being associated with an Accommodation on the Platform, an Owner consents to receiving Verification Calls and to the recording of such calls. Verification Calls may be recorded, transcribed, and stored by SettleIns for the purposes of verifying listing information, maintaining Platform integrity, quality assurance, dispute resolution, staff and model training, and compliance with applicable law. SettleIns will use reasonable efforts to inform the recipient at the start of the call that it may be recorded, and continued participation constitutes consent to the recording.

15.6 Retention and use of call recordings. Recordings of Verification Calls are Derived Data owned by SettleIns under Clause 23. Recordings will be retained for such period as SettleIns considers necessary for the purposes stated in Clause 15.5, or as required by law, and will thereafter be deleted or de-identified. Access to recordings is restricted to authorised personnel and will not be shared with third parties except as required by law, by a competent authority, or for the purposes of a dispute directly involving the recorded call. The Privacy Policy governs the processing of any personal data captured in a Verification Call.

15A. Platform Beta Status

15A.1 SettleIns is currently offered as a beta platform. During this period, features, services, integrations, content, and functionality may be added, modified, suspended, or removed without prior notice.

15A.2 The Company may monitor platform performance, collect user feedback, and make changes to improve the Platform during the beta period.

15A.3 Nothing in this beta status affects the applicability of these Terms or limits any other rights or protections available to SettleIns under these Terms.

16. SaaS Services

16.1 SettleIns provides SaaS Services enabling Owners to create and manage listings, receive and manage Bookings, communicate with Users, manage tenants, and use related operational tools.

16.2 The SaaS Services are provided on an “as is” and “as available” basis. We do not warrant that they will be uninterrupted, error-free, secure, or fit for any particular operational outcome, and we do not guarantee any level of uptime or availability except as expressly stated in a separate written service-level agreement. The SaaS Services may be interrupted, suspended, or restricted for scheduled or emergency maintenance, upgrades, or repairs, and we will use reasonable efforts to limit avoidable disruption but are not liable for any interruption.

16.3 You are responsible for the accuracy of data you input, for your use of outputs, and for maintaining your own records. SettleIns is a software provider and does not assume any tenancy-management, fiduciary, custodial, or compliance obligation on your behalf.

16.4 We may update, enhance, modify, or discontinue features. We will use reasonable efforts to avoid materially degrading core functionality during an active paid term.

16.5 Usage may be subject to fair-use, rate, or storage limits as published. Excessive or abusive usage may be throttled or suspended.

16.6 Beta, preview, and experimental features. SettleIns may make features available on a beta, preview, trial, early-access, or experimental basis (“Beta Features”). Beta Features are provided “as is” and “as available” for evaluation only, may be incomplete, unstable, or contain errors, may change materially or be withdrawn at any time without notice, and are excluded from any service level, availability commitment, warranty, or support obligation that might otherwise apply. Your use of Beta Features is at your sole risk, and SettleIns shall have no liability arising from or in connection with any Beta Feature to the maximum extent permitted by law.

17. Trust Scores

17.1 A Trust Score is an indicator derived by SettleIns from signals such as verification status, listing completeness, responsiveness, User feedback, and platform activity.

17.2 Trust Scores are presented for informational and comparative convenience only. They are algorithmic estimates, are not a measure of legal compliance, financial standing, or safety, and must not be relied upon as a substitute for independent due diligence.

17.3 The methodology, weighting, and data inputs are proprietary to SettleIns (Clause 23) and may be adjusted from time to time. We do not guarantee that any Trust Score is accurate, current, or comparable across listings.

17.4 SettleIns is not liable for any decision made or action taken in reliance on a Trust Score.

18. Intelligence Scores and Other Indices

18.1 An Intelligence Score summarises the depth, completeness, or richness of information available about an Accommodation or locality.

18.2 SettleIns may offer further indices and scores, including Safety, Walkability, Food, neighbourhood, locality, route, and market-intelligence scores. All such scores and indices are algorithmic estimates provided for convenience, are not guarantees, and Clauses 17.2 to 17.4 apply to them mutatis mutandis.

19. Booking Process

19.1 Where Booking functionality is enabled, a User may submit a Booking request. A request is an expression of interest and does not by itself bind the Owner or SettleIns unless and until confirmed under the applicable workflow.

19.2 Confirmation, occupancy terms, payment schedules, deposits, cancellation terms, and house rules are determined by the Owner. SettleIns provides the facilitating workflow but is not a party to the resulting arrangement.

19.3 SettleIns does not guarantee availability, acceptance of any request, or the conduct of the Owner following a Booking.

19.4 Any dispute relating to a Booking — availability, occupancy, refunds of amounts paid to the Owner, deposits, or service quality — is between the User and the Owner. SettleIns may, without obligation, provide reasonable assistance but does not assume liability.

20. Payments

20.1 Payments on the Platform fall into two categories: (a) Platform fees payable to SettleIns (Mini Plans, Coin packs, Subscription Plans, and other SettleIns charges); and (b) Accommodation payments payable to Owners (rent, deposits, Owner charges).

20.2 Platform fees are processed through integrated third-party payment gateways. By paying, you authorise the charge and agree to the gateway's terms. The payment gateway is an independent third party; SettleIns does not control it and is not liable for any gateway downtime, failure, delay, or error. SettleIns does not store full card or financial-instrument details; these are handled by the processor under applicable standards.

20.3 Accommodation payments are generally made directly to the Owner, whether through an integrated gateway routed to the Owner or the Owner's own methods. Except where expressly stated, SettleIns does not collect, hold, escrow, or guarantee Accommodation payments and is not responsible for their success, failure, settlement, refund, or reconciliation.

20.4 You are responsible for ensuring the payment instrument is valid and authorised. SettleIns is not responsible for losses from gateway errors, declined transactions, unauthorised use of your instruments, or chargebacks, save to the extent caused by our gross negligence and as permitted by law.

20.5 All fees payable to SettleIns are exclusive of applicable taxes unless stated otherwise, and you are responsible for such taxes. SettleIns will issue valid tax invoices for Platform fees as required by law.

20.6 Where any Accommodation payment is routed through SettleIns or a SettleIns-controlled gateway sub-account, SettleIns may be treated as an “e-commerce operator” required to collect tax at source under Section 52 of the Central Goods and Services Tax Act, 2017 and/or to deduct tax at source under Section 194-O of the Income-tax Act, 1961. To the extent applicable, SettleIns will collect, deduct, deposit, and report such amounts as required by law.

21. Refund Policy

21.1 Amounts paid to SettleIns for Platform fees — Mini Plans, Coin packs, Subscription Plans, and other SettleIns charges — are non-refundable, except where a refund is required under applicable law or expressly stated by SettleIns in writing. This reflects the nature of digital services and virtual access credits made available immediately on purchase.

21.2 Where a refund is required by law or granted at our discretion, it will be processed to the original payment instrument within the timelines prescribed by the processor and applicable law.

21.3 Refunds of Accommodation payments (rent, deposits paid to an Owner) are governed entirely by the User–Owner arrangement. SettleIns has no obligation to refund amounts it did not receive and retain.

21.4 Nothing in this Clause limits non-excludable rights under the Consumer Protection Act, 2019, or other applicable consumer-protection law.

21.5 To request a refund you believe is due, contact hello@settleins.com with transaction details. We will review eligible requests in good faith.

22. User-Generated Content and Licence

22.1 You retain ownership of any UGC you submit and are solely responsible for it and the consequences of submitting it.

22.2 By submitting UGC, you grant SettleIns a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, sub-licensable, and transferable licence to host, store, reproduce, adapt, translate, aggregate, analyse, publish, display, distribute, and create derivative works from the UGC for operating, improving, and promoting the Platform and its services, and to create Derived Data under Clause 23. This licence survives termination.

22.3 You represent and warrant that your UGC does not infringe any third-party intellectual-property, privacy, publicity, or other right, and is not unlawful, defamatory, obscene, harassing, misleading, or harmful.

22.4 SettleIns does not endorse and is not responsible for UGC. We may, but need not, review, moderate, edit, or remove UGC, and will act on valid complaints regarding unlawful UGC under applicable law and Clause 36.

22.5 You must not post content that: violates any law; infringes intellectual-property or other rights; is defamatory, obscene, paedophilic, invasive of privacy, insulting or harassing on the basis of gender, racially or ethnically objectionable, or otherwise prohibited under applicable law (including Rule 3(1)(b) of the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021); impersonates another; spreads misinformation; or contains viruses or malicious code.

22.6 AI-assisted and AI-generated submissions. Where any UGC you submit has been generated, drafted, or materially assisted by an artificial-intelligence tool or automated system, you remain solely responsible for its accuracy, completeness, legality, and compliance with these Terms, as if you had authored it entirely yourself.

23. Ownership of Platform Intelligence and Derived Data

23.1 As between you and SettleIns, SettleIns solely and exclusively owns all right, title, and interest in and to all Derived Data and all Platform Intelligence, including the Trust Scores, Intelligence Scores and other indices, Verification status, recommendation outputs, AI Output, aggregated and de-identified datasets, analytics, embeddings, vector representations, trained model weights and parameters, and the scoring and ranking methodologies, models, and algorithms underlying them.

23.2 Your submission of UGC, Community Contributions, listings, or other inputs, and your use of the Platform, do not grant you any right, title, or interest in any Derived Data or Platform Intelligence, even where derived in whole or in part from your inputs. To the extent any such right would otherwise vest in you, you hereby irrevocably assign it to SettleIns, and waive any moral or similar rights in respect of Derived Data, with effect from its creation.

23.3 SettleIns may use, license, commercialise, and exploit Derived Data and Platform Intelligence for any lawful purpose, including developing new products and features, training and improving models, and producing market insights, in each case in compliance with the Privacy Policy and applicable data-protection law.

23.4 Nothing in this Clause transfers ownership of your underlying UGC to SettleIns; it allocates ownership of the derived and aggregated outputs and the intelligence layer, which are the product of SettleIns's own skill, investment, and technology.

24. Intellectual Property and Protection of Platform Assets

24.1 The Platform — including its software, source and object code, design, layout, user interfaces, databases and data compilations (protected as original compilations under the Copyright Act, 1957), scoring and recommendation algorithms and engines, methodologies, trademarks (including “SettleIns” and “Haalaaraa”), logos, and all Content other than UGC and third-party material — is owned by or licensed to SettleIns and protected by intellectual-property laws.

24.2 Subject to your compliance with these Terms, SettleIns grants you a limited, non-exclusive, non-transferable, non-sub-licensable, revocable licence to access and use the Platform for its intended purposes. No other rights are granted; all rights not expressly granted are reserved.

24.3 Prohibited uses. You must not, and must not permit any person or automated agent to: copy, reproduce, scrape, crawl, spider, harvest, index, cache (beyond ordinary browser caching), frame, mirror, or systematically retrieve any part of the Platform or its Content or data; extract or re-utilise all or any substantial part of any database or data compilation forming part of the Platform; reverse-engineer, decompile, or disassemble any software; create derivative works from, or build a competing or substitute dataset, product, or service using, the Platform, its Content, or its data; access or use the Platform for competitive analysis or to compile competitive intelligence; or use the Platform to train, fine-tune, or develop any machine-learning or artificial-intelligence model or dataset, in each case except with our prior written consent or as non-excludable law permits.

24.4 Automated access, benchmarking, and technical measures. Access by bots, crawlers, headless browsers, scripts, or other automated means is prohibited except for (a) search-engine crawlers that respect our published robots directives, and (b) APIs or integrations expressly authorised by us under Clause 26. You must not circumvent, disable, or interfere with any rate-limiting, access-control, authentication, watermarking, or other technical or security measure.

24.5 AI and intelligence abuse. You must not attempt to manipulate, corrupt, poison, reverse-engineer, or interfere with any AI model, recommendation engine, scoring algorithm, or intelligence feature of the Platform, whether by submitting adversarial inputs, prompt-injection techniques, deliberately misleading data, coordinated inauthentic behaviour, or any other means designed to alter, extract, replicate, or degrade Platform Intelligence.

24.6 Any feedback, suggestions, or ideas you provide may be used by SettleIns without restriction or compensation.

24.7 If you believe Content on the Platform infringes your intellectual-property rights, notify our Grievance Officer (Clause 36) with sufficient particulars; we will respond under applicable law.

25. Data Protection Roles and Responsibilities

25.1 Our collection, use, storage, disclosure, and protection of personal data is governed by our Privacy Policy at https://settleins.com/privacypolicy, which forms part of these Terms and is published in compliance with the Digital Personal Data Protection Act, 2023 (“DPDP Act”), the Information Technology Act, 2000, and the rules thereunder.

25.2 Allocation of roles. SettleIns acts as a Data Fiduciary in respect of the personal data it determines the purposes and means of processing for. Where an Owner or a Corporate Account holder independently determines the purposes and means of processing tenant or personnel personal data received through the Platform, that Owner or Corporate Account holder acts as a separate and independent Data Fiduciary and is responsible for its own compliance with the DPDP Act.

25.3 Owners and Corporate Account holders must not use personal data obtained through the Platform for any purpose other than the relevant Accommodation or relocation arrangement, must not retain it longer than necessary or permitted, and must not transfer or disclose it except as permitted by law and the data principal's consent.

25.4 By using the Platform, you acknowledge that you have read the Privacy Policy and consent to processing of your personal data as described therein, to the extent consent is the applicable lawful basis.

25.5 Children's data and minor occupants. The Platform is intended for use, and for the creation of Accounts and contracts, only by persons aged 18 years and above. Where an eligible adult User provides the personal data of a Minor Occupant:

25.6 Use of Platform data for safety, integrity, and improvement. In addition to the processing described in the Privacy Policy, and without limiting Clause 23, SettleIns may collect, analyse, and retain Platform activity data including communications, call recordings (where consent has been obtained), usage patterns, transaction records, device and access-log information, and behavioural signals for the following purposes: (a) detecting, preventing, and investigating fraud, spam, abuse, manipulation of scores or rewards, and other prohibited conduct; (b) quality assurance and improvement of Platform Services and SaaS Services; (c) resolving disputes; (d) training and evaluating SettleIns's staff and support operations; (e) training, developing, and improving AI models, scoring algorithms, and recommendation engines, using de-identified or aggregated data; and (f) complying with applicable law and responding to lawful requests from competent authorities.

26. API Integrations and Third-Party Services

26.1 The Platform may integrate with, or make available, third-party services, APIs, payment gateways, communication providers, and software (“Third-Party Services”).

26.2 Your use of Third-Party Services may be subject to those parties' separate terms and privacy policies. SettleIns does not control and is not responsible for Third-Party Services, their availability, accuracy, or conduct.

26.3 Where SettleIns provides API access to Owners or partners, such access is subject to applicable API terms, usage and rate limits, security requirements, and authentication, and may be modified, suspended, or withdrawn. You must not misuse API access, exceed published limits, share credentials, or use the API to replicate, mirror, or compete with the Platform or to extract data beyond the scope expressly authorised.

26.4 Messaging and communication integrations. The Platform may deliver communications, notifications, or interactive features through third-party messaging services, including WhatsApp, SMS gateways, and similar channels (“Messaging Integrations”). Messaging Integrations are provided by independent third parties and are subject to their own terms, acceptable-use policies, and privacy practices. SettleIns does not guarantee the delivery, timing, availability, or security of any message sent through a Messaging Integration.

27. Third-Party Maps, Location and Route Data

27.1 The Platform uses third-party mapping, geolocation, and routing services to display locations, routes, distances, commute estimates, and nearby points of interest. Such data is provided by third parties under their terms and licences.

27.2 Map locations, pins, distances, routes, commute estimates, and surrounding-area information are approximate and provided for convenience only. They may be inaccurate, outdated, or imprecise. You should independently verify the exact location and accessibility of any Accommodation.

27.3 SettleIns is not liable for inaccuracy in map, location, or route data or for decisions made in reliance on it.

28. AI-Generated Recommendations and Summaries

28.1 The Platform may use artificial-intelligence and automated techniques — including AI assistants, chatbots, automated responses, and generative models — to generate recommendations, summaries, descriptions, comparisons, conversational responses, and other derived content (“AI Output”).

28.2 AI Output is generated automatically by probabilistic systems and may be incomplete, outdated, or factually incorrect, including producing statements that appear plausible but are inaccurate or fabricated (“hallucinations”). AI Output is provided for convenience and information only and does not constitute professional, legal, financial, tax, medical, real-estate, safety, or any other form of advice, endorsement, or guarantee.

28.3 You should not rely on AI Output as the sole basis for any decision; you remain responsible for verifying source information and exercising independent judgment. SettleIns is not liable for any decision made in reliance on AI Output.

28.4 SettleIns may use de-identified and aggregated data from Platform activity to develop and improve its models and features, consistent with Clauses 23 and 25 and applicable law. Ownership of AI Output and the underlying models is governed by Clause 23.

29. Platform Availability, Disclaimers and Limitation of Liability

29.1 SettleIns endeavours to keep the Platform available but does not guarantee uninterrupted, timely, secure, or error-free access. The Platform, Platform Services, SaaS Services, scores, badges, AI Output, and all Content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement, or availability.

29.2 The Platform may be unavailable due to maintenance, upgrades, failures, third-party outages, force-majeure events, or other causes. We are not liable for any unavailability or resulting loss, and may modify, suspend, or discontinue any feature at any time, with or without notice.

29.3 SettleIns does not warrant or guarantee: (a) the existence, legality, quality, safety, habitability, or suitability of any Accommodation; (b) the accuracy or currency of any listing, score, badge, or AI Output; (c) the conduct, identity, solvency, or honesty of any Owner or User; or (d) the outcome of any Booking or arrangement.

29.4 To the maximum extent permitted by law, SettleIns and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or in connection with your use of the Platform, even if advised of the possibility.

29.5 Aggregate liability cap. To the maximum extent permitted by law: (a) for a User who is a consumer, the aggregate liability of SettleIns for all claims arising out of or in connection with the Platform shall not exceed the total Platform fees paid by that User to SettleIns in the twelve (12) months preceding the event giving rise to the claim, or INR 10,000, whichever is higher; and (b) for an Owner, business, or Corporate Account holder, the aggregate liability of SettleIns shall not exceed the total fees paid by that party to SettleIns in the three (3) months preceding the event giving rise to the claim.

29.6 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including for death or personal injury caused by gross negligence, fraud, or wilful misconduct, or non-excludable rights under the Consumer Protection Act, 2019.

29.7 Because SettleIns is not a party to Accommodation arrangements, it bears no liability for disputes, losses, deposits, damages, injuries, or claims arising between Users and Owners.

30. Indemnity

30.1 You agree to indemnify, defend, and hold harmless SettleIns and its directors, officers, employees, and agents from and against all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms or any law; (b) your UGC, Community Contributions, or listings; (c) your use or misuse of the Platform; (d) any arrangement between you and another User or Owner; (e) your infringement of any third-party right; or (f) your breach of Clauses 23, 24, or 25.

30.2 This indemnity survives termination of these Terms and your use of the Platform.

30.3 SettleIns may, at its option and expense, assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with SettleIns in asserting any available defences. You will not settle or compromise any such matter in a manner that imposes any liability, obligation, payment, or admission on SettleIns without its prior written consent.

31. Suspension and Termination

31.1 You may stop using the Platform and close your Account at any time, subject to survival of accrued obligations.

31.2 We may suspend, restrict, or terminate access to the Platform or any Account, in whole or in part, with or without notice, where we reasonably believe that: (a) you have breached these Terms or applicable law; (b) your conduct poses a risk to the Platform, other Users, or third parties; (c) you have engaged in fraud, manipulation of scores, reviews, or rewards, scraping, or other prohibited conduct; or (d) we are required to do so by law or a competent authority.

31.3 On termination: (a) the licences granted to you cease; (b) unused Platform fees, Mini Plan benefits, Coins, Contribution Rewards, and Referral Rewards are forfeited, except as required by law; and (c) Clauses that by their nature survive — including Clauses 22.2, 23, 24, 25, 29, 30, 33, 34, and 35 — continue to apply.

31.4 We may retain certain data after termination as required by law or for legitimate business purposes, consistent with the Privacy Policy.

32. Safety Information

32.1 SettleIns may publish safety information, tips, or guidance. Such information is general and indicative only, is not tailored to your circumstances, and does not constitute professional, legal, or safety advice.

32.2 SettleIns does not warrant the safety of any Accommodation, locality, Owner, or User. Users are responsible for their own precautions, physical inspections, credential checks, safe meeting arrangements, and legal compliance.

32.3 If you encounter unlawful conduct, fraud, harassment, or a safety concern, report it to the appropriate law-enforcement authorities, and you may also report it to us under Clause 36. SettleIns will cooperate with lawful requests from competent authorities.

33. Governing Law, Jurisdiction and Dispute Resolution

33.1 These Terms are governed by and construed in accordance with the laws of India.

33.2 Subject to Clauses 33.3 and 33.4, the courts at Chennai, Tamil Nadu shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Platform.

33.3 Arbitration (business parties only). Any dispute between SettleIns and an Owner, business, or Corporate Account holder arising out of or relating to these Terms, including its existence, validity, or termination, shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator appointed in accordance with that Act. The seat and venue shall be Chennai, and the language English. The award shall be final and binding. This clause does not prevent either party from seeking interim or injunctive relief from a competent court.

33.4 Consumers. Clause 33.3 does not apply to a User who is a consumer. Nothing in these Terms requires a consumer to arbitrate or limits a consumer's right to approach the consumer-dispute-redressal fora under the Consumer Protection Act, 2019, or any other competent court.

34. Limitation of Claims

34.1 To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the Platform must be brought within the period prescribed by the Limitation Act, 1963, and nothing in these Terms extends any statutory limitation period. This Clause does not limit any non-excludable statutory right.

35. Communications and Consent

35.1 By creating an Account or using the Platform, you consent to receive communications from SettleIns including service, transactional, verification, and (where permitted) promotional messages by email, WhatsApp, SMS, push notification, and telephone call, at the contact details you provide.

35.2 You consent to being contacted in respect of communications relating to your use of the Platform and any transaction you initiate, notwithstanding registration on any Do Not Call / Do Not Disturb registry. You may opt out of promotional communications through the mechanisms provided, but may continue to receive service and transactional communications necessary for operation of the Platform.

35.3 Communications between Users and Owners facilitated through the Platform may be logged, monitored, or moderated for safety, quality, and compliance, consistent with the Privacy Policy.

35.4 Masked and proxy calling. The Platform may facilitate voice calls between Users and Owners by routing calls through masked, virtual, or proxy telephone numbers operated by or on behalf of SettleIns (“Platform Calls”), so that neither party's personal telephone number is disclosed to the other during the call. By initiating or receiving a Platform Call, you consent to the call being routed through SettleIns's telephony infrastructure. Platform Calls may be recorded, monitored, transcribed, or analysed for the purposes set out in Clause 25.6. You will hear an automated disclosure at the start of a recorded call, and your continued participation constitutes consent to the recording.

35.5 Number masking limitations. While SettleIns uses reasonable measures to mask telephone numbers during Platform Calls, you acknowledge that masking is a technical measure and not an absolute guarantee of anonymity. In certain circumstances — including network errors, device caller-ID behaviour, callbacks, or disclosures made during the conversation itself — a party's actual number may become visible. SettleIns is not liable for any disclosure of a telephone number arising from such circumstances. You must not attempt to circumvent number masking to obtain or expose the other party's personal telephone number.

36. Grievance Redressal and Grievance Officer

36.1 In accordance with the Information Technology Act, 2000, the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Consumer Protection (E-Commerce) Rules, 2020, the Grievance Officer is:

36.2 The Grievance Officer will acknowledge a complaint within twenty-four (24) hours of receipt and resolve it within fifteen (15) days of receipt, or within such other timelines as applicable law prescribes. Complaints concerning specified unlawful content will be acted upon within the timelines required by the IT Rules, 2021.

36.3 For consumer grievances under the Consumer Protection (E-Commerce) Rules, 2020, the Grievance Officer will acknowledge within forty-eight (48) hours and endeavour to redress within one (1) month of receipt.

36.4 For general support or queries, write to hello@settleins.com.

36.5 On receipt of a court order, or on being notified by the appropriate government or its authorised agency that any information hosted on the Platform is unlawful, SettleIns will remove or disable access to that information within the time and in the manner required by applicable law, without thereby assuming liability for the underlying Content.

37. Future Products and Services

37.1 SettleIns may, at any time and without liability, introduce, modify, upgrade, downgrade, merge, rename, rebrand, suspend, or discontinue any product, feature, service, plan, score, index, Coin system, AI capability, community programme, or business line offered on the Platform, including converting free features to paid, paid features to free, or restructuring the scope of existing offerings. No such action creates any entitlement to compensation, continued access, or restoration of a prior state, except as expressly stated or required by applicable law.

37.2 Future offerings may include, without limitation, additional marketplace verticals (such as services related to moving, furnishing, food, broadband, insurance, maintenance, healthcare, laundry, or local services), partner ecosystems, vendor or service-provider listings, digital products, enterprise modules, and new technology capabilities. Where such offerings involve third-party service providers, SettleIns acts as a technology facilitator and not as a provider of the underlying service, and the disclaimers and intermediary protections in Clause 3 apply mutatis mutandis to those offerings.

37.3 Such offerings may be subject to additional or supplementary terms presented at the time of access. Unless otherwise stated, these Terms apply to new products and services to the extent relevant, and your use of any new product or service constitutes acceptance of any applicable supplementary terms.

38. General

38.1 Entire agreement. These Terms, with the Privacy Policy and any applicable order forms or supplementary terms (including any Owner Agreement), constitute the entire agreement regarding the Platform and supersede prior understandings on the subject.

38.2 Severability. If any provision is held invalid or unenforceable, it shall be modified to the minimum extent necessary, or severed, and the remaining provisions shall continue in full force.

38.3 Waiver. No failure or delay in exercising any right operates as a waiver.

38.4 Assignment. You may not assign your rights or obligations without our prior written consent. SettleIns may assign these Terms, including in connection with a merger, acquisition, or transfer of assets.

38.5 Force majeure. SettleIns is not liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, fire, flood, epidemics or pandemics, war, civil unrest, terrorism, strikes or labour disputes, governmental action or change in law, cyberattacks, distributed denial-of-service attacks, data breaches not attributable to our failure to maintain reasonable safeguards, and failures or outages of internet, telecommunications, power, hosting, cloud, or other third-party infrastructure or services.

38.6 Relationship. Nothing in these Terms creates any partnership, joint venture, agency, employment, or fiduciary relationship between you and SettleIns.

38.7 Survival. Clauses which by their nature should survive termination do so, including those listed in Clause 31.3.

38.8 Language. These Terms are drafted in English, which prevails over any translation.

38.9 Notices. We may give you notice by posting on the Platform, by email, or by other electronic means to the contact details associated with your Account, and such notice is deemed given and received when sent or posted. You consent to receive notices and other communications electronically, and agree that electronic communications satisfy any legal requirement that such communications be in writing.

38.10 Contact. For questions about these Terms, contact hello@settleins.com.