Terms of Service

1. Acceptance of Terms

By downloading, installing, or using SettleUp ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App. These Terms constitute a binding agreement between you and Treeport Holdings LLC ("SettleUp," "we," "our," or "us").

2. Eligibility

You must be at least 13 years old to use the App. If you are under 18 (or the age of majority in your jurisdiction), you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf, and you confirm this during account creation.

On account creation we ask for your date of birth solely to verify you are at least 13. We do not retain the date of birth itself — only the binary outcome ageBand: "13_or_older" is stored. See our Privacy Policy §10 for details.

Online multiplayer features that include text chat or voice chat are available only to users 13 or older. By using these features, you confirm that you meet this requirement. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us through our support page.

3. Description of Service

SettleUp is a digital strategy board game for iOS and web that allows you to play against AI opponents and other players online. The App offers both free and premium subscription tiers with varying levels of access to features, including voice chat for premium subscribers during online multiplayer games.

4. Account Registration

To access certain features, you must create an account using Sign in with Apple. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating your account and notify us promptly of any unauthorized use.

5. Account Deletion

You may delete your account at any time directly within the App from Profile → Delete Account. Deletion permanently and irreversibly removes your profile, gameplay statistics, friends list, friend requests, friend code, and referral data within thirty (30) days.

Records of completed games in which you participated, and chat messages associated with those games, may remain visible to other players who shared those games, since they constitute their game history as well. Where required, we may retain limited records to comply with legal, tax, or fraud-prevention obligations.

Active paid subscriptions are not automatically cancelled when you delete your account. You must cancel subscriptions separately through your Apple ID account settings, as Apple — not SettleUp — manages subscription billing.

6. Subscriptions and Payments

6.1 Subscription Tiers

SettleUp offers three tiers: Free, Premium, and Premium Plus. Each tier provides different levels of access to AI difficulties, personalities, and features as described on our pricing page.

6.2 Auto-Renewal

SettleUp Premium and Premium Plus are offered as monthly or annual auto-renewing subscriptions. Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period at the then-current price.

You can manage and cancel your subscriptions at any time by going to your Apple ID account settings on your device after purchase. Any unused portion of a free trial period (if offered) will be forfeited when you purchase a subscription.

6.3 Free Trial

We may, at our discretion, offer a free trial period for premium subscriptions. If a free trial is offered and you do not cancel before it ends, your subscription will automatically convert to a paid subscription at the listed price.

6.4 Cancellation and Refunds

You can manage or cancel your subscription at any time through your Apple ID account settings. Cancellation takes effect at the end of the current billing period. Apple handles all refund requests through their App Store refund process; we do not directly issue refunds for subscriptions or in-app purchases.

6.5 Price Changes

We reserve the right to change subscription prices. You will be notified in advance of any price changes, and the new price will take effect at the start of your next billing period. Where required by Apple's terms, you will be asked to expressly consent to a price increase before it takes effect.

6.6 In-App Purchases

SettleUp may offer one-time in-app purchases including game expansions and additional content. These are separate from subscriptions and provide permanent access to the purchased content. In-app purchases are processed through Apple's App Store and are non-refundable except as required by Apple's policies. All purchases are tied to your Apple ID and can be restored on any device signed into the same account.

7. User-Generated Content

"User Content" means any content you submit through the App, including but not limited to display names, avatars, chat messages (text and voice), bug reports, and any other communication. You retain ownership of your User Content.

By submitting User Content, you grant SettleUp a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, transmit, display, and use that User Content solely to operate, provide, improve, and moderate the App. This license ends when you delete the User Content or your account, except where retention is necessary to comply with legal obligations or enforce these Terms.

We may, but are not obligated to, monitor, review, or remove User Content at our discretion. We may use automated systems to filter offensive content. We may preserve and disclose User Content if required by law or in response to valid legal process.

You are solely responsible for your User Content and represent that it does not infringe any third-party rights and complies with these Terms.

8. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose
• Attempt to exploit, hack, or reverse-engineer the App or its servers
• Use automated systems or bots to interact with the App
• Harass, abuse, or send offensive messages to other players
• Impersonate any person or misrepresent your affiliation with any entity
• Attempt to manipulate game results, ratings, or exploit bugs
• Share your account credentials with others or use another person's account
• Circumvent subscription restrictions, paywalls, or rate limits
• Collect, scrape, or harvest other users' personal information

8.1 Voice Chat Conduct

When using voice chat in online multiplayer games, you additionally agree not to:

• Use voice chat to harass, threaten, or intimidate other players
• Transmit hate speech, discriminatory language, or slurs
• Share personal information (yours or others') over voice chat
• Play music, use soundboards, or transmit disruptive audio
• Attempt to record or redistribute other players' voice communications

Violations of voice chat conduct may result in suspension of voice chat access, account restrictions, or account termination. You can report voice chat abuse using the in-game report feature or by contacting us through our support page.

9. Intellectual Property

The App, including its design, code, graphics, sounds, and content, is owned by SettleUp and protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms.

All trademarks, service marks, and logos used in the App are the property of their respective owners. CATAN and Settlers of Catan are trademarks of CATAN GmbH. SettleUp is an independent game inspired by classic strategy board game mechanics and is not affiliated with, endorsed by, sponsored by, or licensed by CATAN GmbH or any related entities.

If you believe content in the App infringes your intellectual property rights, please contact us through our support page with a detailed notice including identification of the work and your contact information.

10. AI Services

The App uses artificial intelligence — including large language models from providers such as Anthropic, OpenAI, Google, and xAI — to generate opponent moves, chat messages, and post-game analyses. These AI outputs are automated and may be incorrect, offensive, or inappropriate.

You acknowledge that AI outputs are provided for entertainment purposes only and should not be relied upon as advice. SettleUp does not endorse or guarantee the accuracy or suitability of any AI-generated content and is not liable for harms arising from reliance on such content, except where liability cannot be disclaimed under applicable law.

We use automated and human moderation to filter AI chat, but cannot guarantee that all problematic content is caught. If you encounter AI output that appears offensive, harmful, or otherwise inappropriate, please report it through the in-game report feature. AI service availability depends on third-party providers and may vary or be interrupted; we are not responsible for disruptions to AI services beyond our reasonable control.

11. Third-Party Services

The App uses services provided by Apple (App Store, Sign in with Apple, push notifications, Game Center), Google Firebase (authentication, database, cloud functions, analytics), RevenueCat (subscription management), Anthropic and OpenAI and Google and xAI (AI inference), Agora (voice chat), Google AdMob (advertising), and other providers.

By using the App, you agree to comply with the applicable terms of service and privacy policies of these third-party services, which are incorporated by reference into these Terms. If a conflict arises between these Terms and the terms of a third-party service, the third-party terms will control with respect to that service. SettleUp is not responsible for the availability or accuracy of third-party services and does not endorse and is not liable for content, products, or services available from such providers.

12. Accessibility

SettleUp is committed to making its digital services accessible to individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) and related accessibility standards, so that content is perceivable, operable, understandable, and robust.

If you encounter any accessibility barriers or have suggestions for improvement, please contact us through our support page and select the "Accessibility" category. We will respond promptly and take reasonable steps to address accessibility issues.

13. Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and quiet enjoyment. We do not guarantee that the App will be uninterrupted, error-free, secure, or free of harmful components, or that any defects will be corrected.

14. Limitation of Liability

To the maximum extent permitted by applicable law, SettleUp will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of data, profits, goodwill, or other intangible losses, arising from your use of the App — even if SettleUp has been advised of the possibility of such damages.

In no event will SettleUp's aggregate liability for all claims related to the App exceed the greater of (i) the amount you paid SettleUp for the App in the twelve (12) months preceding the event giving rise to the claim, or (ii) fifty U.S. dollars (USD $50). This limitation does not apply to liability for SettleUp's gross negligence, fraud, or willful misconduct, or where such limitation is prohibited by law.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you in full.

15. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless SettleUp, Treeport Holdings LLC, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your misuse of the App; (b) your User Content; or (c) your violation of these Terms or any applicable law. SettleUp reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

SettleUp will indemnify you for claims arising from its gross negligence or willful misconduct. Nothing in this section limits your rights as a consumer under applicable law.

16. Termination

You may stop using the App and delete your account at any time. We may suspend or terminate your access to the App, with or without notice, if we believe you have violated these Terms, engaged in fraudulent or harmful activity, or for any other reason permitted by law. We may also discontinue all or part of the App at any time.

Upon termination, your right to use the App ceases. Sections that by their nature should survive termination — including sections on Intellectual Property, User-Generated Content (license grant), Disclaimers, Limitation of Liability, Indemnification, Governing Law, Arbitration Agreement, and these survival terms — will survive.

17. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles. Subject to the Arbitration Agreement in Section 18, any dispute that is not subject to arbitration (or for which arbitration is found unenforceable) shall be brought exclusively in the state or federal courts located in the State of California, and you consent to personal jurisdiction in those courts.

Before filing a claim or initiating arbitration, you agree to first contact us through our support page and attempt to resolve the dispute informally. Most concerns can be resolved that way.

Nothing in this section limits any non-waivable rights you may have under the laws of your country of residence, including consumer protection rights.

18. Arbitration Agreement

18.1 Agreement to Arbitrate

You and SettleUp agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, or any services provided by SettleUp (collectively, "Disputes") will be settled by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "Rules") then in effect. Judgment on the arbitral award may be entered in any court having jurisdiction.

18.2 Location

The arbitration will be conducted in Sacramento County, California, unless you request a remote or telephonic hearing, which the arbitrator will permit where consistent with the AAA Rules.

18.3 Class Action Waiver

You and SettleUp waive any right to have Disputes resolved by a jury or to participate in class actions or class arbitrations. Disputes must be brought on an individual basis only.

18.4 30-Day Opt-Out

You may opt out of this Arbitration Agreement within thirty (30) days of first accepting these Terms by either of the following methods:

• Online: through our support page, selecting the "Other" category and stating "Arbitration Opt-Out" in the subject; or
• By mail: to Treeport Holdings LLC, 2108 N St #16273, Sacramento, CA 95816, USA, Attn: Arbitration Opt-Out.

Your notice must include your account email and a clear statement that you are opting out of arbitration. Opting out will not affect any other terms of this agreement.

18.5 Severability of Arbitration

If the Class Action Waiver in Section 18.3 is found unenforceable as to a particular Dispute, this entire Arbitration Agreement will be null and void as to that Dispute, and that Dispute must be resolved in the courts identified in Section 17. All other Disputes remain subject to arbitration.

18.6 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small-claims court for Disputes within the scope of its jurisdiction. Either party may also seek injunctive or other equitable relief in court to protect intellectual property rights pending the completion of arbitration. Nothing in this Arbitration Agreement prevents you from contacting any federal, state, or local government agency to report a concern or seek assistance.

19. Severability and Entire Agreement

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent. These Terms, together with our Privacy Policy and any policies referenced herein, constitute the entire agreement between you and SettleUp regarding the App and supersede any prior agreements on the same subject.

Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign these Terms; we may assign them to an affiliate or successor.

20. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date, and where appropriate by in-app notice. Your continued use of the App after changes are posted constitutes acceptance of the new Terms. If you do not agree to the updated Terms, you should stop using the App and may delete your account.

21. Contact Us

If you have questions about these Terms, please contact us through our support page, or by mail at:

Treeport Holdings LLC
2108 N St #16273
Sacramento, CA 95816
USA