Privacy Policy

• We collect what we need to run your account: your name, email, and the settlements you track.
• We do not sell your personal information, and we do not show ads.
• We do not use advertising or analytics trackers.
• Card details go straight to our payment provider. We never see or store your card number.
• You can ask us to delete your account and data at any time by emailing hello@settleclub.com.

Information you give us:

• Account details: your name and email address, and a mobile number if you choose to add one.
• Your activity in the product: the brands you pick in the free check, the settlements you track, and what you mark as filed or paid, including any amounts you enter.
• Notification choices: which reminders you want and how you want to receive them.
• Messages you send us, for example a support email.

Information we receive when you sign in with Google:

• Your name, email address and profile picture. That is all we ask Google for.
• We do not get access to your Gmail, contacts, calendar, files or anything else in your Google account, and we never see your Google password.

Information about your subscription:

• Your plan, whether it is active, and when it renews or ends.
• A customer reference from our payment provider, so we can match payments to your account.

Information collected automatically:

• Our hosting provider processes your IP address and basic browser details to deliver the site, keep it secure and keep short-term request logs.

• To show you the settlements that match what you told us.
• To keep your tracked claims and totals in sync across your devices.
• To send the reminders and alerts you turned on. You can turn them off in your account.
• To take payment for a subscription and give you access to what you paid for.
• To answer you when you contact us.
• To keep the service secure and prevent abuse.

We do not use your information for advertising, and we do not build profiles to sell to anyone.

SettleClub uses the name, email address and profile picture from your Google account only to create your account, sign you in, and show your name and picture inside the product.

Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We do not transfer this information to others except as needed to provide the service, we do not use it for advertising, and people do not read it except where needed for security, to comply with the law, or with your permission.

We share information only with the companies that help us run the service, and only what each one needs:

• Stripe, and its checkout service Link, to process payments and handle billing, tax and receipts. For some purchases Link is the seller of record. They receive your name, email and payment details directly from you at checkout.
• Cloudflare, which hosts the site and stores account data on our behalf.
• Google, only if you choose to sign in with Google.

A few images on the site are loaded from other image hosts. Like any website you visit, those hosts can see your IP address when your browser loads the image.

We may also disclose information if the law requires it, or to protect the rights and safety of our users or the service. If the business is ever sold or merged, your information may move to the new owner under the same commitments.

• A sign-in cookie keeps you signed in for up to 30 days. It is required for accounts to work.
• A short-lived cookie is set while you are signing in with Google, to protect that sign-in.
• Your browser's own storage holds your free-check picks and, until you make an account, the claims you track.

We do not set advertising cookies and we do not use third-party analytics.

SettleClub does not file claims for you. When you follow a link to an official settlement website, anything you enter there goes to that settlement's administrator, not to us, and is covered by their privacy policy.

We keep your account information for as long as your account is open.

To delete your account and the data tied to it, email hello@settleclub.com from the address on the account. We will delete it within 30 days, apart from records we are required to keep, such as payment records for tax purposes.

You can also ask us for a copy of your information, or to correct it, at the same address.

The site is served over an encrypted connection, sign-in sessions are signed so they cannot be forged, and payment details are handled by our payment provider rather than by us. No online service can promise perfect security, but we keep what we hold to the minimum.

SettleClub is for adults. It is not directed at anyone under 18, and we do not knowingly collect information from children.

If we change this policy we will update the date at the top of this page. If the change is significant we will also tell you by email or in the product.

Questions about privacy, or a request about your data: hello@settleclub.com.