Terms of Service

Last updated: 5 August 2026

These terms are a legal agreement between you and Settles. Please read them. If you do not agree, do not use Settles.

Throughout, "Settles", "we" and "us" mean the business operating the Settles software. "You" means the business that signs up for an account. "Your clients" means the customers you serve using Settles. "Your staff" means the employees and contractors you manage using Settles.

1. What Settles is

Settles is software for running a field-service business. It helps you schedule jobs, assign crews, track time, keep client records, calculate what you owe your staff, issue invoices, and take card payments from your clients.

Settles is a tool. It does not perform your work, verify your numbers, employ your staff, or hold your money.

2. Your account

You must give accurate business and contact information, and keep it current.

You are responsible for everything that happens under your account, including what the people you invite do. Keep credentials secure and tell us promptly at support@settles.ca if you believe an account has been accessed without permission.

You must be at least 18 and legally able to enter into contracts. You must be authorised to act for the business you register.

3. Fees, and what you pay

Plans and prices are shown at settles.ca/#pricing. At the time of writing:

• Base at $100 per month
• Payments at $150 per month, which additionally lets your clients pay invoices by card
• Employee SMS and Invoicing SMS add-ons at $10 per month each

All amounts are in Canadian dollars and exclude applicable taxes.

Subscriptions bill monthly in advance and renew automatically until cancelled. Payment is by card through Stripe. If a payment fails we may retry it and may suspend access until it succeeds.

You can change plans or cancel at any time in Settings. Changes are prorated by Stripe. We do not refund partial months, except where required by law or at our discretion.

We may change prices with at least 30 days' notice by email. Continuing to use Settles after a price change takes effect means you accept it.

4. Card payments from your clients

This section matters. Please read it carefully.

If you enable card payments, you open your own account with Stripe, our payments provider, through Settles. In doing so:

• You are the merchant of record, not Settles. Your clients are paying you.
• Settles never holds, receives or moves your money. Funds go from your client to your Stripe account and then to your bank. We are not a party to the transaction.
• Stripe's processing fees are yours, currently 2.9% plus $0.30 per card payment, deducted from your funds by Stripe. Settles adds no fee on top.
• Refunds, disputes and chargebacks are yours. If a client disputes a charge, the money and any associated fee come from your Stripe balance, and you are responsible for responding.
• You must accept and comply with the Stripe Connected Account Agreement, and Stripe may verify your identity and business before enabling payments.
• Stripe may hold, delay or refuse payouts under its own terms. We do not control that and cannot override it.

We provide the software that requests the payment and records it. We do not guarantee that any particular payment will succeed.

5. Staff pay figures are estimates you must verify

Settles calculates amounts owed to your staff from the hours recorded in it and the pay rates you enter.

These figures are aids, not payroll. Settles does not run payroll, does not remit source deductions, does not pay anyone, and does not connect to a bank for that purpose. You export the numbers and pay your staff through your own payroll process.

You are solely responsible for:

• checking that recorded hours and rates are correct
• overtime, statutory holiday pay, minimum wage and every other requirement of applicable employment-standards law
• source deductions, remittances and records
• what you actually pay each person

Automatic calculations can be wrong, including because of incorrect data entered, a misconfigured rate, or a defect in the software. Do not pay staff from a Settles figure you have not checked.

6. Text messages

If you enable an SMS add-on:

• You are responsible for obtaining consent from your clients before they are texted, as required by Canada's anti-spam legislation. Settles records the consent you capture and will refuse to send to a client without a consent record on file, but the consent itself is yours to obtain and yours to stand behind.
• Anyone may reply STOP. We will honour it permanently, across all businesses using Settles, and it overrides any consent recorded afterwards.
• Texting your own staff about their assigned work relies on your employment relationship with them. You are responsible for that being appropriate.
• Message delivery depends on mobile carriers and is not guaranteed.

7. Your data

Your data is yours. That includes your client records, job history, staff records, time entries and invoices. We claim no ownership of it.

We host and process it to provide Settles to you. Where the data concerns your clients or staff, you are the party responsible for it under privacy law and we act on your instructions.

You can export your data from Settings at any time.

Each business's data is isolated at the database level. We do not sell your data, and we do not use one customer's data to serve another.

Our Privacy Policy explains what we collect and why, and forms part of these terms.

8. Acceptable use

Do not use Settles to:

• break the law, or help anyone else to
• send unsolicited commercial messages, or message anyone who has opted out
• store payment card numbers, or handle card data outside Stripe's fields
• attempt to access another business's data, or probe or attack the service
• resell or white-label Settles without our written agreement
• upload malware, or content you have no right to use

We may suspend or terminate an account that breaches this section, and where there is an ongoing risk of harm we may do so without notice.

9. Availability

We aim to keep Settles running and available, but we do not promise any particular level of uptime.

The service may be unavailable for maintenance, for reasons within our suppliers' control, or for reasons outside anyone's control. We are not liable for losses arising from unavailability.

We do not commit to keeping any specific feature. If we remove something significant we will give reasonable notice.

10. Warranties, and their limits

Settles is provided "as is" and "as available". To the fullest extent the law allows, we exclude all warranties that are not written in these terms, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that Settles will be uninterrupted or error-free, that defects will be corrected, or that its calculations will be free of error.

Nothing in these terms limits rights you have under consumer protection law that cannot lawfully be excluded.

11. Limitation of liability

To the fullest extent the law allows:

• Neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost data or lost business opportunity, even if told such losses were possible.
• Our total liability to you, for all claims taken together, will not exceed the total fees you paid us in the 12 months before the event giving rise to the claim.

If you have paid us nothing, our total liability is limited to $100.

These limits apply however the claim arises, whether in contract, negligence or otherwise. They do not apply to liability that cannot lawfully be limited.

12. Your responsibility to us

You will indemnify us against claims, losses and reasonable costs arising from:

• your use of Settles in breach of these terms or of any law
• amounts you pay or fail to pay your staff
• any text message or email sent through Settles at your instruction, including a claim about consent
• a dispute between you and one of your clients, including a payment dispute
• your handling of your clients' or staff members' personal information

13. Ending the agreement

You may cancel at any time in Settings. Your subscription runs to the end of the paid period and then stops. Cancelling ends future billing; it does not refund what you have already paid.

We may terminate or suspend your account if you breach these terms, if you fail to pay, or if we stop offering the service. Other than for breach, we will give you at least 30 days' notice and a chance to export your data.

After termination: you can export your data for 30 days. After that we may delete it. We retain financial records, including invoices and payment records, for six years, because tax law requires it. That retention continues even after an account is deleted.

14. Changes to these terms

We may change these terms. If a change materially reduces your rights we will give at least 30 days' notice by email or in the app. Continuing to use Settles after a change takes effect means you accept it.

15. Governing law

These terms are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there. The courts of Alberta have exclusive jurisdiction, and both parties submit to them.

16. General

If a provision is unenforceable, the rest continues in force.

Not enforcing a right immediately does not waive it.

You may not transfer this agreement without our consent. We may transfer it as part of a sale or reorganisation of our business.

These terms, together with the Privacy Policy, are the entire agreement between us about Settles.

17. Contact

Questions about these terms: support@settles.ca