PromptSettle — Terms of Service

Effective Date: April 20, 2026

Last Updated: April 20, 2026

1. What PromptSettle Is

PromptSettle (“the Service,” “we,” “us,” “our”) is a web-based document preparation and delivery tool operated by PromptSettle LLC (“the Company”). The Service helps freelancers and independent contractors (“Users,” “you,” “your”) prepare and send professionally written demand communications to clients who owe them money for completed work.

PromptSettle is not a law firm, not a licensed collection agency, and does not provide legal advice. We provide a technology platform that generates, formats, and delivers written communications at your direction and on your behalf. For legal questions about your specific situation, consult a licensed attorney in your jurisdiction.

2. Relationship of the Parties — Creditor Tool, Not Debt Collector

PromptSettle is a technology tool used by you, the original creditor, to prepare and send your own demand communications. This section establishes the nature of that relationship:

• You are the creditor. You are the person or business to whom the debt is owed. You are not assigning, selling, or transferring the debt to PromptSettle or to any third party by using the Service.
• You direct all communications. You provide the case details, you review the generated content, you edit the content if you choose, and you approve the content before it is sent. No communication is sent without your explicit approval.
• PromptSettle does not own, purchase, or assume any interest in the debt. We do not collect payment on your behalf, do not receive any portion of amounts recovered, and have no financial interest in the outcome of your collection efforts.
• PromptSettle does not determine the validity of any debt. We do not investigate, verify, or make any representation about whether the debt you describe is valid, legally enforceable, or collectible. That determination is yours alone.
• You may pause, edit, or cancel at any time. You retain full control over the sequence throughout its duration. You are never locked into sending any communication you have not individually approved.

This structure is designed so that communications sent through the Service are your communications as the original creditor, prepared with the assistance of a technology tool — not communications from a third-party debt collector. However, we do not guarantee that any particular court, regulator, or jurisdiction will characterize the relationship in this manner. Laws governing debt collection communications vary by state and are subject to change and interpretation. If you have concerns about the legal classification of communications sent through the Service in your jurisdiction or the debtor's jurisdiction, consult an attorney before using the Service.

3. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding agreement to use the Service. By creating an account, you represent that you meet these requirements.

The Service is designed for use by freelancers and independent contractors located in the United States to collect debts owed by debtors located in the United States. We make no representation that the Service is appropriate or legally compliant for use in other jurisdictions.

4. Account Registration

You create an account by signing in with Google. Your name and email address are provided by Google to create your account. You are responsible for maintaining the security of your Google account and for all activity that occurs under your PromptSettle account. Notify us immediately at info@promptsettle.com if you believe your account has been compromised.

The first time you sign in, you will be asked to provide additional information (your state of residence and, optionally, your business name and phone number) to complete your profile.

5. How the Service Works

When you use PromptSettle, you:

1. Provide information about yourself, the work you performed, the amount owed, and the client who owes you money.
2. Pay a one-time fee of $19.99 per collection sequence via Stripe.
3. Review a generated sequence of up to four demand emails tailored to the details you provided and to your client's state. You may edit the text, remove steps, and adjust timing before approving.
4. Approve the sequence. Once approved, the emails are sent on your schedule from your name.

All communications are sent on your behalf and at your direction. You review and approve all content before any email is sent. You may pause, resume, or cancel the sequence at any time from your dashboard.

6. Your Representations and Responsibilities

By using the Service, you represent, warrant, and agree that:

• All information you provide — including the amount owed, the identity of the debtor, the debtor's email address, the description of work performed, and the payment due date — is truthful and accurate to the best of your knowledge.
• You have a good-faith basis for claiming that the amount you enter is owed to you for work you actually performed and delivered.
• You are the original creditor — the person or business that directly performed the work and is owed the money. You are not a third-party assignee, purchaser of the debt, or agent collecting on behalf of someone else.
• The debt you are collecting is a commercial or business debt arising from services you provided in a freelance, contractor, or business capacity. The Service is not designed for the collection of personal, family, or household debts.
• The debt is not the subject of pending bankruptcy proceedings. If the debtor has filed for bankruptcy protection, you must not use the Service to contact them regarding the debt.
• To the best of your knowledge, the debt is not time-barred under the applicable statute of limitations in the debtor's state. Sending demand communications for time-barred debts may violate state law and may expose you to legal liability.
• You have reviewed and approved all email content before it is sent on your behalf. By clicking “Approve & Start Sequence,” you adopt the content of the emails as your own communications and take responsibility for them as if you had written and sent them yourself.
• You will comply with all applicable federal and state laws in your jurisdiction and in the debtor's jurisdiction when using the Service, including any laws governing debt collection communications, consumer protection, and commercial correspondence.

You are solely responsible for the decision to send communications through the Service and for the accuracy of the information you provide. PromptSettle prepares and delivers communications at your direction — we do not independently verify the existence, validity, enforceability, or collectibility of the underlying debt.

7. Prohibited Uses

You may not use the Service to:

• Send demands for debts that do not exist, that you know have been paid, or that you know are inaccurate.
• Collect debts that have been discharged in bankruptcy.
• Collect debts that you know or reasonably should know are beyond the applicable statute of limitations.
• Harass, threaten, abuse, or intimidate any person.
• Impersonate another person or misrepresent your identity.
• Collect debts on behalf of a third party. You must be the original creditor.
• Send demands to the same debtor from multiple accounts or to circumvent a sequence you previously cancelled.
• Send communications that you have modified to include false legal claims, fabricated legal citations, misrepresentations of law, or threats of actions you do not intend to take and are not legally permitted to take.
• Use the Service for personal disputes, retaliation, or any purpose other than the good-faith collection of a legitimate commercial debt.
• Interfere with or disrupt the Service, its servers, or its connected networks.
• Use the Service for any purpose that violates applicable law.

We reserve the right to suspend or terminate your account, cancel any active sequences, and refuse future service if we reasonably believe you are violating these Terms or using the Service in a manner that could expose PromptSettle LLC, its partners, or third parties to harm or legal liability.

8. Pricing and Payment

Each collection sequence costs $19.99 (USD), payable at the time of submission via Stripe. This is a one-time payment per sequence — there is no subscription, no recurring charge, and no percentage of any amount you collect.

Refund policy: Payment is non-refundable once your email sequence has been generated. If the system fails to generate your sequence after payment, your case will be held in your account and you may retry generation at no additional charge. If generation repeatedly fails and cannot be resolved, contact us at info@promptsettle.com to discuss a refund.

Pricing is subject to change. Any price changes will apply only to sequences purchased after the change takes effect. We will not increase the price of a sequence you have already purchased.

9. Email Delivery

Emails are sent through Postmark, a third-party transactional email service. Emails are sent from your name, with the reply-to address set to your email address. If the debtor replies, the reply goes directly to your email inbox — PromptSettle does not intercept, store, or process debtor replies. You can pause, resume, or cancel the sequence at any time from your dashboard.

We do not guarantee email delivery. Emails may fail to deliver due to invalid addresses, spam filters, server issues, or other factors outside our control. If an email fails to send or bounces, we will notify you and allow you to update the recipient's information or take other action from your dashboard. Delivery failures do not entitle you to a refund.

10. AI-Generated Content

The demand email text is generated using artificial intelligence (the Anthropic Claude API) based on the information you provide and on state-specific legal reference data that we maintain. All generated content is reviewed by a second AI accuracy check before being presented to you.

You are responsible for reviewing all generated content before approving it. While we make reasonable efforts to ensure the generated text is accurate, professional, and appropriate, AI-generated content may contain errors, including errors in state-specific legal information, date calculations, or factual details. You have the ability — and the responsibility — to edit any email text before it is sent.

By clicking “Approve & Start Sequence,” you adopt the generated content (including any edits you made) as your own. You are sending these communications as if you had written them yourself. PromptSettle is not the author of these communications for any legal purpose — you are.

PromptSettle does not guarantee the legal accuracy, completeness, or effectiveness of any generated content. The state-specific information included in the emails (such as small claims court names, filing fees, and dollar limits) is maintained for general reference purposes and may not reflect the most recent changes to state law. This information does not constitute legal advice. If you intend to file a legal claim based on information referenced in the emails, verify the details directly with the relevant court or a licensed attorney.

11. State-Specific Legal Information

The Service references state-specific data including small claims court names, dollar limits, filing fee ranges, and attorney general office names. This data is maintained by PromptSettle for informational purposes and is updated periodically.

This information is not legal advice and is not guaranteed to be current, complete, or applicable to your specific situation. Laws, court procedures, filing fees, and dollar limits change. Local rules and exceptions may apply. If you intend to file a legal claim, consult an attorney or contact the relevant court directly to confirm current procedures, fees, and requirements before relying on any information provided through the Service.

12. Service Availability

We make reasonable efforts to keep the Service available, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, server issues, or events beyond our control, including internet outages, third-party service failures (Stripe, Postmark, Anthropic), natural disasters, or government actions.

If a service interruption prevents a scheduled email from being sent on its scheduled date, the system will attempt to send it when service is restored. We are not liable for delays in email delivery caused by service interruptions.

13. Intellectual Property

The content generated for your demand sequence is created for your use in connection with the specific case you submitted. You may use, copy, and send this content for the purpose of collecting the debt described in your case.

The PromptSettle name, logo, website design, and underlying technology (including prompts, templates, and software) are the property of PromptSettle LLC and may not be copied, modified, or distributed without our written permission.

14. Privacy

Your use of the Service is also governed by our Privacy Policy, available at promptsettle.com/privacy. By using the Service, you agree to the collection and use of your information as described in the Privacy Policy.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
• ANY EMAILS SENT THROUGH THE SERVICE WILL BE DELIVERED OR WILL PRODUCE ANY PARTICULAR RESPONSE OR OUTCOME.
• THE AI-GENERATED CONTENT WILL BE FREE OF ERRORS OR LEGALLY ACCURATE.
• THE STATE-SPECIFIC LEGAL INFORMATION WILL BE CURRENT OR COMPLETE.
• USE OF THE SERVICE WILL RESULT IN PAYMENT OF ANY AMOUNT OWED TO YOU.
• THE SERVICE WILL BE COMPATIBLE WITH ANY PARTICULAR LEGAL CLASSIFICATION OR REGULATORY FRAMEWORK IN ANY JURISDICTION.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PROMPTSETTLE LLC AND ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, DAMAGE TO REPUTATION, LEGAL FEES INCURRED IN CONNECTION WITH ANY CLAIM BY A DEBTOR OR THIRD PARTY, OR COSTS OF PROCUREMENT OF SUBSTITUTE SERVICES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) TWENTY DOLLARS ($20.00).

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE.

17. Indemnification

You agree to indemnify, defend, and hold harmless PromptSettle LLC and its officers, directors, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of the Service.
• The information you provide through the Service.
• The communications sent on your behalf through the Service, including any claims by a debtor or third party that such communications were harassing, misleading, unlawful, or in violation of any debt collection law.
• Any claim that a debt you sought to collect through the Service was invalid, inaccurate, time-barred, discharged, or otherwise not collectible.
• Your violation of these Terms.
• Your violation of any applicable law or any right of a third party.

This indemnification obligation survives termination of your account and these Terms.

18. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules, conducted in San Jose, California. The arbitrator's decision shall be final and binding.

You agree that any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action or class-wide arbitration.

Exceptions to arbitration:

• Either party may bring a claim in small claims court in Santa Clara County, California (or the county where you reside), if the claim qualifies.
• Either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.
• Nothing in this section prevents you from bringing issues to the attention of any federal, state, or local government agency. Such agencies may seek relief on your behalf.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

20. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue the Service at any time, with or without notice. We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a prominent notice on the Service at least 14 days before the changes take effect. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

21. Termination

You may close your account at any time by contacting us at info@promptsettle.com. We may suspend or terminate your account at any time for violation of these Terms or if we reasonably believe continued use of the Service by you could expose PromptSettle LLC to legal liability.

Upon termination, any active sequences will be cancelled and no further emails will be sent. You may request deletion of your data in accordance with our Privacy Policy. Sections 2, 6, 10, 15, 16, 17, 18, 19, and 22 survive termination.

22. Assumption of Risk

You acknowledge that sending demand communications to a debtor carries inherent risks, including but not limited to: the debtor may not respond, the debtor may dispute the debt, the debtor may file a complaint or counterclaim against you, or the debtor may allege that your communications violate applicable law. You assume all risk associated with your decision to use the Service and to send communications through it. PromptSettle does not assume any of these risks on your behalf.

23. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and PromptSettle LLC regarding the Service.
• Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations without restriction.

24. Contact

If you have questions about these Terms, contact us at:

PromptSettle LLC
info@promptsettle.com