These Terms of Service (“Terms”) govern your access to and use of the Settle Group website at settlegroup.pro and any related products, services, and communications (collectively, the “Service”) operated by Settle Group (“Settle Group,” “we,” “us,” or “our”). By accessing the Service, submitting a request through our form, or opting in to receive text messages from us, you agree to these Terms and to our Privacy Policy.
1. Acceptance of Terms
By using the Service or by submitting your information through our request form, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, do not use the Service or submit any information.
2. Service Description
Settle Group operates an independent marketplace for the United States debt resolution market. We review the information individuals and businesses submit to us, and we match them with vetted debt settlement firms in our partner network, who pay us for the introduction.
Settle Group is not a debt settlement company, a debt collector, a credit repair organization, a lender, or a law firm. We do not negotiate, settle, consolidate, or service any debt, we do not provide legal, credit, tax, or financial advice, and we do not charge consumers any fee. The partner firms we match you with are independent businesses solely responsible for their own services, pricing, licensing, performance, and disclosures.
We do not control and are not responsible for the acts or omissions of any partner firm. Any agreement you enter into with a partner firm is between you and that firm, and is governed by that firm’s own contract, terms, and privacy policy.
3. Eligibility & Age (18+)
You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Service or to opt in to SMS communications from Settle Group. By using the Service, you represent and warrant that you meet this age and capacity requirement. The Service is not directed to and may not be used by anyone under the age of 18.
4. No Advice & No Guarantee of Results
Nothing on the Service constitutes legal, tax, credit, accounting, or financial advice. We are not your attorney, your financial advisor, or your fiduciary. You should consult a licensed professional about your own circumstances before making any decision about your debt.
We do not guarantee any particular outcome. Debt settlement results vary widely from case to case and depend on factors outside our control, including your creditors, the type and age of your debt, your financial circumstances, and your own conduct during the program. Statistics, timelines, and figures presented on our website — including any reference to network results, satisfaction rates, or typical program durations — are general information about our network as a whole. They are not a prediction, promise, or guarantee of the result you will obtain, and they are not representative of any individual case.
You should also understand that:
- Enrolling in a debt settlement program may adversely affect your credit score and your creditworthiness.
- Creditors are under no obligation to negotiate or to accept a settlement, and may continue collection activity, add fees and interest, or pursue legal action.
- Forgiven or cancelled debt may be treated as taxable income. Consult a tax professional.
- Not every person or business is a good candidate for debt settlement, and other options may be more appropriate for your situation.
5. Requests & Partner Matching
Submitting a request through our form is free and creates no obligation on your part. We do not charge consumers any fee for the case evaluation or for a partner match, and we do not collect payment from you at any point.
If a partner firm charges a fee for its services, that fee is set, disclosed, charged, and collected by that firm under its own agreement with you. Review that agreement carefully before you sign it. We do not guarantee that we will be able to match you with a partner firm, and we may decline or discontinue a match at our discretion.
You agree that the information you submit is accurate and complete to the best of your knowledge, and that you are submitting it on your own behalf or with the authority to do so on behalf of the business you represent.
6. SMS / Text Messaging
By providing your mobile phone number through our request form (or any other channel where consent is captured) and affirmatively opting in, you agree to receive recurring text messages from Settle Group at the number you provided, including messages sent using automated technology. Consent is not a condition of any purchase, of using the Service, or of being matched with a partner firm.
Types of messages you may receive
- Request and matching updates — the status of the request you submitted, follow-up questions about your situation, and notifications when we have a partner match for you.
- Account & service alerts — operational notifications related to your request, such as appointment reminders and confirmations.
- Product & marketing — announcements, updates, and other Settle Group news.
Message frequency
Message frequency varies based on your activity and the type of messages you have opted in to. Message and data rates may apply.
How to opt out (STOP) and get help (HELP)
Reply STOP to any message at any time to unsubscribe from future SMS messages from Settle Group. After you send “STOP,” we will send you a confirmation message and you will no longer receive SMS messages from us.
Reply HELP for assistance, or contact us at contact@settlegroup.pro.
Carrier disclaimer
Carriers (including but not limited to AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, Boost, MetroPCS, and Cricket) are not liable for delayed or undelivered messages. SMS service availability and delivery is subject to transmission limitations and conditions imposed by your wireless carrier.
Privacy & mobile information
Information collected through SMS opt-in, including your phone number and consent record, is handled in accordance with our Privacy Policy.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
7. Acceptable Use
You agree not to:
- Use the Service for any unlawful, harmful, fraudulent, or infringing purpose.
- Submit false, misleading, or third-party information, or impersonate any person or business.
- Attempt to gain unauthorized access to the Service, to other accounts, or to our systems and networks.
- Interfere with or disrupt the Service, our servers, or any networks connected to the Service.
- Reverse engineer, decompile, scrape, or otherwise attempt to derive source code or underlying data from the Service except as expressly permitted by law.
- Use the Service to send unsolicited communications, spam, or any content that violates applicable telemarketing, anti-spam, or consumer-protection laws (including TCPA, CAN-SPAM, and any state equivalents).
8. Intellectual Property
The Service and all of its content, features, and functionality — including text, graphics, logos, the “Settle Group” wordmark, software, and design — are owned by Settle Group or its licensors and are protected by United States and international intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose. No other rights are granted by implication or otherwise.
9. Third-Party Services
The Service uses third-party providers, including but not limited to hosting and infrastructure providers, form and CRM providers, an SMS aggregator for telecommunications delivery, email delivery providers, and advertising and analytics providers such as the Meta Pixel from Meta Platforms, Inc. Your use of those services may be governed by the third party’s own terms and privacy practices. We are not responsible for the content or practices of third-party services. See Cookies & Tracking in our Privacy Policy for details on what those tools collect and how to control them.
10. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE SERVICES, CONDUCT, PRICING, LICENSING, OR RESULTS OF ANY PARTNER FIRM.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL SETTLE GROUP, ITS AFFILIATES, OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, OR TO YOUR RELATIONSHIP WITH ANY PARTNER FIRM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
12. Indemnification
You agree to defend, indemnify, and hold harmless Settle Group and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your misuse of the Service, or your violation of any law or third-party right.
13. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including any breach of these Terms. Upon termination, your right to use the Service will cease immediately. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and governing law) will survive.
14. Governing Law & Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Broward County, Florida, and you consent to personal jurisdiction and venue in those courts.
15. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and, if the changes are material, we will provide additional notice (for example, by email or by posting a notice on the website). Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of those changes.
16. Contact
If you have any questions about these Terms, the Service, or your SMS opt-in, you can reach us at:
By using Settle Group, you also agree to our Privacy Policy, which describes how we collect, use, and protect your information.