Terms of Service

These Terms of Service (the "Terms") are a binding agreement between you and Genesso FMCG Jacek Kotowski, a sole proprietorship (jednoosobowa działalność gospodarcza) registered in Poland at al. Katowicka 7, Wolica 05-830, Poland, trading as "Settl" ("Settl", "we", "us", or "our"). They govern your use of the Settl iOS app, the personalized-meditation service that powers it, and everything we make available through them (together, the "Service").

These Terms also serve as the End User License Agreement (EULA) for the Settl app and include the minimum terms Apple requires for apps sold through the App Store (see Section 18).

Settl helps you breathe and settle. We've written these Terms the way we write everything else — plainly, and without games. Please read them. The short plain-language note at the start of each section explains what it means; the text that follows is the part that holds up in law.

Your Privacy Policy is a separate document that explains what data we handle and how. It sits alongside these Terms; where these Terms mention privacy, the Privacy Policy governs the detail.

1. Agreement to these Terms

By using Settl, you agree to these Terms. If you don't agree, please don't use the app.

By downloading, installing, accessing, creating an account in, or subscribing to Settl, you confirm that you have read, understood, and agree to be bound by these Terms and by the Privacy Policy. If you are using Settl on behalf of someone else, you confirm you are authorised to accept these Terms for them.

If you do not agree to these Terms, do not use the Service, and uninstall the app.

Defined terms. In these Terms:

"App" means the Settl application for Apple devices.
"Service" means the App together with our backend systems (including the personalized-meditation engine), audio delivery, and any related features, content, and updates.
"Content" means all material we make available through the Service, including guided meditations, breathwork protocols, audio, scripts, text, images, designs, and software.
"Subscription" or "Premium" means an auto-renewable paid plan that unlocks premium features.
"Personalized Meditation" means a meditation script and spoken audio generated for you by artificial intelligence from the inputs and preferences you provide.
"AI Output" means any Personalized Meditation script or audio produced for you by the Service.
"Apple" means Apple Inc. and its subsidiaries.

2. Who can use Settl (eligibility and age)

You need to be 18 to agree to these Terms on your own. If you're 16 or 17, a parent or guardian has to agree with you. Settl isn't for children under 16.

You must be at least 18 years old to enter into these Terms and to use the Service.
If you are 16 or 17, you may use the Service only with the consent and supervision of a parent or legal guardian who has read and agreed to these Terms on your behalf and who accepts responsibility for your use.
The Service is not directed to, and not intended for, children under 16, and we do not knowingly collect personal data from them. If you believe a child under 16 has used the Service or given us personal data, contact us at hello@settl.co and we will take appropriate steps.

By using the Service you represent that you meet these age requirements and have the legal capacity to enter into a binding contract. We may suspend or close any account where we reasonably believe these requirements are not met.

3. What Settl is — and what it is not

Settl is a meditation and breathwork app for general wellbeing and learning. It is not healthcare, and it is not a medical device.

Settl provides guided meditation, breathwork practices, and AI-personalized meditations, along with progress tracking and related features. It is an educational and self-care product for general wellbeing.

Settl is not a medical device, and it does not provide medical, psychological, psychiatric, clinical, or other professional advice, diagnosis, or treatment. Nothing in the Service is intended to diagnose, treat, cure, mitigate, monitor, or prevent any disease or health condition. The Content and any AI Output are for general information and personal practice only.

Section 8 sets out important health and safety terms, including a medical disclaimer and the risks of breathwork. Please read Section 8 in full before using any breathwork practice.

4. Your account

You can sign in with Apple or with an email and password. Keep your sign-in details to yourself, and keep your information accurate.

To use certain features you create an account, using Sign in with Apple or an email address and password. You agree to provide accurate information and to keep it up to date.

You are responsible for keeping your sign-in credentials secure and for all activity under your account. Tell us promptly at hello@settl.co if you believe your account has been accessed without your permission. We are not liable for loss arising from someone else's use of your credentials where you have not kept them secure.

Your account is for your personal use only. Do not share, sell, or transfer it, and do not let others use it to access Premium features.

Closing your account. You can delete your account from within the app, in Settings/Profile. Deleting your account permanently removes your account and associated personal data from your device and from your private iCloud database, as described in the Privacy Policy — it is not a temporary deactivation. Because Apple does not permit apps to revoke a Sign in with Apple connection, deleting your account does not by itself end that connection: if you signed in with Apple, you can end it yourself at any time in iOS Settings → your name (Apple ID) → Sign in with Apple → Settl. Deleting your account also does not by itself cancel a Subscription billed through Apple; see Section 5 for how to cancel.

5. Subscriptions, free trial, billing, cancellation, and refunds

Premium is an auto-renewing subscription, billed by Apple through your Apple ID. The annual plan comes with a 7-day free trial (the monthly plan doesn't). It renews automatically until you cancel, and you cancel in your App Store settings. Apple handles payments and refunds.

5.1 Free and Premium

A core set of Settl is free. Premium unlocks the wider experience — including the full guided library, all narrator voices, every breathwork protocol, the Flow feature, and an expanded allowance of Personalized Meditations (see Section 5.7).

5.2 Plans, trial, and what you pay

Settl offers two auto-renewable Subscription plans: Annual and Monthly.
A 7-day free trial is offered on the Annual plan to eligible new subscribers; the Monthly plan does not include a free trial. Where a trial applies and you do not cancel before it ends, the trial converts automatically into a paid Subscription and you will be charged for the plan you selected. The trial terms shown to you in the App Store at the point of purchase govern, and you can use a free trial only where you are eligible for one.
The price, billing period, and trial terms are shown to you in the App Store at the point of purchase, in your local currency, including any applicable taxes. The price displayed by the App Store at purchase is the price that governs. If you do not want to be charged, cancel at least 24 hours before the trial ends.

5.3 Billing through Apple

Payment is charged to your Apple ID account when you confirm the purchase. Your Subscription is sold and billed by Apple through the App Store, governed by Apple's Media Services Terms and Conditions. We do not receive or store your payment-card details.

5.4 Automatic renewal and cancellation

Your Subscription renews automatically at the end of each billing period (each year for Annual, each month for Monthly) at the then-current price, unless you cancel at least 24 hours before the end of the current period.
Apple charges your Apple ID for the renewal within the 24 hours before the current period ends.
You can manage or cancel your Subscription at any time in your App Store account settings on your device (Settings → your name → Subscriptions). Cancellation is handled by Apple, not inside the Settl app, and we cannot cancel a Subscription for you.
If you cancel, you keep Premium until the end of the period you have already paid for; cancelling does not retroactively refund the current period.

5.5 Price changes

We may change Subscription prices and the features included in Premium. We will not increase the price of your renewing Subscription without the notice and, where Apple's rules require it, the consent that Apple's process mandates. Where a price increase applies, Apple will notify you and, where required, ask for your consent before the new price takes effect; if you do not accept the new price, you can cancel before renewal and will not be charged it. If you do not cancel and the Subscription renews after the change has taken effect with the required notice or consent, the new price applies to that renewal.

5.6 Refunds and your right of withdrawal

Refunds are administered by Apple under Apple's refund policy. Because Apple is the merchant of record for App Store purchases, we generally cannot issue refunds directly. To request a refund, use Apple's process (for example, reportaproblem.apple.com) or contact Apple Support.
Statutory right of withdrawal (EU/EEA consumers). As a consumer, you may have a statutory right to withdraw from a distance contract within 14 days, under EU law and the Polish Act on Consumer Rights (ustawa o prawach konsumenta). Two different rules apply, because Settl combines a digital service with digital content:
- Your Premium Subscription is a digital service. If you ask us to begin the service before the 14-day period ends, you may still withdraw during that period, but you must pay for the part of the service already provided up to the moment you withdraw; you lose the right of withdrawal only once the service has been fully performed. Streaming one session does not "fully perform" an annual or monthly subscription.
- A Personalized Meditation is digital content. When you ask us to generate one and confirm that generation will begin immediately, you expressly consent to that immediate performance and acknowledge that you lose your right of withdrawal for that item once generation has begun.
- Because Apple is the merchant of record for App Store purchases, Apple operates the purchase, consent, and confirmation flow at checkout under its Media Services Terms and Conditions, and that flow applies to these acknowledgements.
Nothing in this Section limits any mandatory consumer rights you have under the law of your country of residence (see Section 16).

5.7 Personalized Meditation allowance (metering)

Personalized Meditations are metered:

Free users can generate one 3-minute Personalized Meditation per rolling 7-day week.
Premium users can generate up to 60 minutes of Personalized Meditation per calendar month, choosing the length of each session within that allowance.

These limits, and the features in each tier, may change over time; we will reflect any change in the app. Allowances do not roll over between periods, and an unused allowance has no cash value.

5.8 Restore Purchases

If you reinstall the App or use a new device, you can restore an active Subscription using the Restore Purchases option in the app. Restoring relies on Apple and your Apple ID and recovers entitlements tied to that Apple ID.

6. Your licence to use Settl

We give you a personal licence to use Settl. It's yours to use, not to own, copy, resell, or take apart.

Subject to these Terms and, for Premium features, an active Subscription, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable licence to install and use the App and to access the Content for your own personal, non-commercial use on Apple-branded devices that you own or control, as permitted by the App Store Usage Rules.

This licence does not transfer any ownership to you. Except as these Terms expressly allow, or as applicable law permits, you may not:

copy, modify, distribute, sell, rent, lease, lend, or sublicense the App or any Content;
reverse engineer, decompile, or disassemble the App, or attempt to derive its source code, except to the limited extent applicable law expressly permits despite this restriction;
remove, obscure, or alter any proprietary notice;
use the Service or any Content to build, train, or improve any competing product, dataset, or model (see Section 7); or
circumvent, disable, or interfere with any security, paywall, allowance, or access control.

We reserve all rights not expressly granted to you. If you breach these Terms, this licence ends automatically (see Section 15).

7. Personalized Meditations and AI-generated content

Personalized Meditations are written and voiced by AI from what you tell it. They're made on the spot, they're not perfect, and they're not advice. You can use yours for yourself. The voice is licensed, not yours to own.

7.1 How it works

When you create a Personalized Meditation, the inputs and preferences you provide (for example your chosen goal, how you say you're feeling, anything you type, and your session settings) are used to generate a meditation script using a third-party AI provider (Anthropic) and to turn that script into spoken audio using a third-party AI voice provider (ElevenLabs). The Privacy Policy explains what is sent, where, and for how long.

Each Personalized Meditation is generated on the spot and is probabilistic: the same inputs may produce different results, and output varies by nature.

7.2 Provided "as is" — not advice

AI Output is provided "AS IS." AI is probabilistic and may be inaccurate, incomplete, unexpected, or otherwise imperfect. You are responsible for how you use it. Do not rely on any Personalized Meditation as professional, medical, psychological, or factual advice, and read Section 8 before acting on anything a meditation suggests. We do not warrant that any particular generation will succeed, or that the feature, its quotas, or its latency will stay the same.

7.3 Your use of the audio you generate

Subject to these Terms and your active entitlement, you may use the Personalized Meditation audio generated for you for your own personal, non-commercial use — to listen, replay, and have it synced to your devices.

We and our providers retain all rights in the underlying models, prompts, system, and the synthetic narration voices. The AI voice is licensed to us, not owned by you: you receive no ownership of, and no separate right to extract, isolate, clone, or reuse, the voice itself or any voice model. You may not sell, publish, broadcast, or otherwise commercially exploit AI Output, and you may not present it in a way that misleads others about how it was made.

7.4 Acceptable use of what you type

When you submit an intention, prompt, or other input, you must not enter content that:

is unlawful, harmful, hateful, harassing, or abusive;
is sexual, or involves or sexualises minors;
solicits self-harm, suicide, violence, or instructions for harming yourself or others, or seeks medical, crisis, or emergency instructions (for emergencies, see Section 8);
infringes anyone's rights or discloses someone else's personal data without a lawful basis; or
attempts to probe, jailbreak, reverse engineer, extract, or otherwise misuse the underlying model, prompts, or voices.

We may filter, refuse, moderate, or stop generating any input or output, and we may suspend access where input is abusive or unsafe.

7.5 No training competing systems

You may not use the Service or any AI Output to develop, train, fine-tune, or evaluate any machine-learning model, dataset, or service that competes with Settl, nor to scrape or harvest Content or Output at scale.

7.6 Our use of your inputs

We do not use your Personalized Meditation inputs to train our own models, and our backend does not retain them after generation — your inputs, the generated script, and the audio live only in the backend's memory for a short period and are then deleted (see the Privacy Policy). Our AI providers (Anthropic and ElevenLabs) process your inputs only to produce your meditation and, under their API terms, do not use those inputs to train or improve their own AI models. The Privacy Policy describes how your inputs are processed by us and by our AI providers.

8. Health and safety — medical disclaimer and breathwork risk

PLEASE READ THIS SECTION IN FULL. IT CONCERNS YOUR SAFETY.

Settl is not healthcare and not a substitute for it. Breathwork can make you dizzy or faint. Never do it in or near water, while driving, or while operating machinery. Talk to a doctor first if you have a health condition. Stop the moment you feel unwell. In an emergency, call your local emergency number.

8.1 Not medical advice

SETTL IS NOT A LICENSED HEALTHCARE PROVIDER AND DOES NOT PROVIDE MEDICAL, PSYCHOLOGICAL, PSYCHIATRIC, OR OTHER PROFESSIONAL ADVICE, DIAGNOSIS, OR TREATMENT. The Service, its Content, and any AI Output are for general wellbeing and education only and are NOT A SUBSTITUTE FOR PROFESSIONAL CARE or for the relationship between you and your physician or other qualified professional. ALWAYS SEEK THE ADVICE OF A QUALIFIED HEALTH PROVIDER about any condition, symptom, medication, or treatment, and NEVER DISREGARD OR DELAY seeking professional advice because of something you read, heard, or experienced in Settl.

8.2 Talk to your doctor first

Consult a physician before beginning or changing any breathwork, meditation, or relaxation practice, especially if you are pregnant, or have or may have a cardiovascular, respiratory, neurological (including epilepsy or a seizure disorder), or psychiatric condition, a history of fainting, dizziness, or panic, high or low blood pressure, or any other medical condition, or if you take medication. By using the Service you represent that you are in adequate physical and mental health to participate, or that you have a professional's clearance to do so.

8.3 Breathwork — assumption of risk

Breathwork techniques — including breath holds, paced breathing, and energising breathing — deliberately change your breathing and can cause lightheadedness, dizziness, tingling, changes in heart rate, anxiety, or fainting.

YOU MUST:

Practise seated or lying down on a stable surface.
NEVER do breathwork in or near water (including a bath, pool, or open water), while driving or in a moving vehicle, while operating machinery, or in any situation where becoming dizzy or losing consciousness could harm you or others.
Stop immediately and breathe normally if you feel dizzy, faint, short of breath, in pain, or otherwise unwell.

By using any breathwork or meditation feature, you knowingly and voluntarily assume all risks associated with it, and — to the fullest extent permitted by law — you release us from, and agree not to hold us responsible for, any harm arising from your participation, except for harm we cannot lawfully exclude (see Sections 13 and 16). This release does not apply to death or personal injury caused by our negligence, to damage we cause intentionally, or to anything else we cannot lawfully exclude (see Section 13.1).

8.4 Emergencies — Settl is not for crises

SETTL IS NOT FOR EMERGENCIES. If you are experiencing a medical emergency, are in crisis, or are thinking about harming yourself, contact your local emergency services immediately — in the European Union, dial 112 — or your local crisis or suicide-prevention line. Do not use Settl to obtain emergency help, and do not delay calling for help because of anything in the Service.

9. Acceptable use

Use Settl as intended. Don't break it, abuse it, or take what isn't yours.

In addition to the rules in Sections 6 and 7, you agree not to:

use the Service for any unlawful, fraudulent, or harmful purpose, or in breach of these Terms;
access the Service by automated means (scraping, crawling, bots) except as we expressly permit;
copy, download, record, redistribute, or publicly perform the Content beyond your personal, non-commercial use;
share credentials, resell access, or circumvent any paywall, allowance, or licence restriction;
upload or transmit malware, or interfere with or disrupt the Service, our systems, or our providers' systems, including by probing, load-testing, or attempting unauthorised access;
infringe our or anyone else's intellectual property or other rights; or
harass, abuse, or harm others, or impersonate any person or entity.

We may investigate suspected misuse and may suspend, limit, or terminate access for conduct that breaches this Section, without limiting our other rights and remedies.

10. Your content and our content

What you create — your notes, typed inputs, and custom flows — stays yours. We only get the narrow permission we need to run the app for you. Everything that is Settl stays ours.

10.1 Your content

"Your Content" means the material you create or provide in the Service — for example mood notes, the text you type, your saved settings, and the custom Flows you build. You keep ownership of Your Content.

You grant us a limited, worldwide, non-exclusive, royalty-free licence to host, store, process, reproduce, and transmit Your Content solely to operate, provide, secure, and sync the Service for you (including across your own devices). This licence is narrow and purpose-limited: we do not use Your Content for advertising or marketing, and it lasts only as long as needed to provide the Service and then ends, except where we must retain limited records to comply with law. Where Your Content syncs through your iCloud account, it is held in your private iCloud as described in the Privacy Policy.

You are responsible for Your Content and confirm you have the rights to provide it and that it does not break these Terms or the law.

10.2 Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it to improve the Service, with no obligation to you. Feedback is given voluntarily and is not confidential.

10.3 Our content and marks

The Service and all Content — including the software, guided meditations, breathwork protocols, audio, scripts, text, designs, the "Settl" name and logo, and all related intellectual property — are owned by us or our licensors and are protected by law. Except for the limited licence in Section 6, nothing in these Terms transfers any of these rights to you. You may not use our name, logo, or marks without our prior written permission.

11. Third-party services

Settl relies on a few outside services. They run under their own terms, and we're not responsible for what they do.

The Service depends on third-party providers, including Apple (App Store, payments, iCloud, HealthKit), RevenueCat (subscription management), Anthropic (AI script generation), ElevenLabs (AI voice generation), Cloudflare (audio delivery), and Fly.io (backend hosting). Other software we include runs on your device only and transmits no personal data about you (for example the Lottie animation library). Your use of features that rely on these services may be subject to their own terms and policies, and they handle data as described in the Privacy Policy.

We are not responsible for the acts, omissions, content, availability, or performance of third-party services, and we do not control them. If a third-party service changes or becomes unavailable, parts of the Service may be affected.

12. Disclaimers

We do our best, but we can't promise the app is flawless or never goes down. We give it to you "as is", to the extent the law allows.

To the fullest extent permitted by law, the Service and all Content and AI Output are provided "AS IS" and "AS AVAILABLE," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, satisfactory quality, accuracy, and non-infringement.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that any AI Output will be accurate or suitable; or that the Service will meet your expectations or produce any particular result, including any health, mental-health, or wellbeing outcome.

This Section does not exclude or limit any warranty or right that cannot lawfully be excluded or limited, including the mandatory consumer guarantees and conformity rights you have under the law of your country of residence (see Section 16). Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

13. Limitation of liability

If something goes wrong, our responsibility has limits — but we never try to limit the things the law says we can't, like harm from our serious fault or your core consumer rights.

13.1 What we never exclude

Nothing in these Terms excludes or limits our liability for:

death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation;
damage caused intentionally (and, where mandatory law so requires, by gross negligence), which cannot be excluded under Article 473 § 2 of the Polish Civil Code;
any other liability that cannot be excluded or limited under applicable law, including under mandatory consumer-protection law and the Polish Civil Code; or
a breach of your non-excludable statutory consumer rights.

13.2 Excluded losses

Subject to Section 13.1, and to the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, goodwill, or anticipated savings, arising out of or relating to the Service, even if we were advised such loss was possible.

13.3 Cap

Subject to Section 13.1, and to the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Service and these Terms in any 12-month period will not exceed the greater of (a) the amount you paid us (or paid Apple for the Service) in the 12 months before the event giving rise to the claim, or (b) EUR 100 (or its equivalent).

13.4 Consumer position

If you are a consumer, this Section applies only to the extent permitted by the mandatory law of your country of residence, and it does not affect your statutory rights. Liability that arises between you and Apple is governed by Apple's terms.

14. Indemnity

If your misuse of Settl causes a claim against us, you cover the reasonable cost — but only if you're using Settl for business, and only to the extent it's genuinely your fault. This does not apply to you as a consumer.

This indemnity applies only if you use the Service as a business or otherwise not as a consumer. If you are a consumer, this Section does not apply to you, except to the limited extent mandatory law allows, and nothing in it limits or removes your statutory consumer rights — consistent with EU Directive 93/13/EEC on unfair terms in consumer contracts and Polish consumer law, under which a clause shifting our litigation risk onto a consumer would not bind you.

Where it applies, and to the extent permitted by law, you agree to indemnify and hold us harmless from reasonable claims, damages, losses, and costs (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your misuse of the Service; (c) Your Content or the inputs you submit; or (d) your violation of law or of a third party's rights. This obligation is limited to loss actually and reasonably caused by your acts or omissions, and does not apply to the extent the loss results from our own act or omission. We will notify you of any such claim and may participate in its defence.

15. Term and termination

These Terms apply while you use Settl. You can stop anytime by deleting the app and your account. We can stop providing the Service if you break the rules. The important protections survive.

These Terms apply for as long as you use the Service. You may end them at any time by cancelling any Subscription (Section 5), deleting your account, and uninstalling the App.

We may suspend or terminate your access, or stop providing the Service (in whole or in part), if you materially breach these Terms, if we are required to by law, or if continuing would create a security, legal, or safety risk. Where reasonable and lawful, we will give you notice.

On termination, your licence under Section 6 ends and you must stop using the Service. Termination does not automatically entitle you to a refund of a prepaid Subscription period, except where required by law or by Apple's policy (Section 5). Sections that by their nature should survive — including Sections 6, 7, 8, 10, 11, 12, 13, 14, 16, 18, 19, and 20 — survive termination.

16. Governing law and disputes

Polish law governs these Terms. If you're a consumer in the EU/EEA, you keep all the protections and courts of your home country, and you can use out-of-court dispute-resolution bodies like Poland's Trade Inspection or your local Consumer Ombudsman. We don't force arbitration on consumers.

16.1 Governing law

These Terms and any dispute relating to them are governed by the laws of Poland, without prejudice to the mandatory consumer-protection rules of the country in the EU/EEA where you are habitually resident. As a consumer, you keep the benefit of any mandatory provisions of the law of your country of residence that cannot be derogated from by agreement; nothing in these Terms deprives you of that protection.

16.2 Courts and venue

If you are a consumer, you may bring proceedings in the courts of your country of residence, and you may only be sued in those courts, as EU consumer law provides. If you are not a consumer (you use the Service for business purposes), the courts of Poland have exclusive jurisdiction.

16.3 No forced arbitration for consumers

We do not require EU/EEA consumers to resolve disputes through binding arbitration, and there is no class-action waiver applicable to you.

16.4 Resolving things first, and out-of-court dispute resolution

We'd rather sort things out directly — please contact us at hello@settl.co and we will try to resolve your concern.

If you are a consumer and we cannot resolve your concern directly, you may use an out-of-court (ADR) consumer-dispute resolution route. In Poland these include:

the Trade Inspection (Inspekcja Handlowa) — the competent Provincial Inspectorate of the Trade Inspection (Wojewódzki Inspektorat Inspekcji Handlowej, "WIIH"), which conducts mediation and other out-of-court proceedings in consumer disputes;
your municipal or district Consumer Ombudsman (Rzecznik Konsumentów), who provides free advice and assistance to consumers; and
the consumer-information services of the Polish Office of Competition and Consumer Protection (UOKiK).

If you live in another EU/EEA country, your national consumer-dispute body and the European Consumer Centres Network (ECC-Net) can help, including with cross-border disputes. Using any of these routes is voluntary and does not affect your right to bring your dispute before the competent courts, including the courts of your country of residence (see Section 16.2).

(The EU Online Dispute Resolution platform that previously operated under Regulation (EU) No 524/2013 ceased operation on 20 July 2025 and is no longer available.)

17. Changes to these Terms

We may update these Terms. If a change matters, we'll tell you. The date at the top always shows the current version.

We may update these Terms from time to time — for example to reflect new features, legal requirements, or changes to how the Service works. The "Last updated" date at the top shows the current version, and the current version is always available at settl.co/terms and in the app.

Where a change is material, we will give you reasonable notice by a method we consider appropriate, such as an in-app notice or a message to the email associated with your account, before it takes effect. If you continue to use the Service after a change takes effect, you accept the updated Terms. If you do not agree to a change, you should stop using the Service and may cancel any Subscription and delete your account. We will not apply a material change retroactively to a dispute that has already arisen.

18. Additional terms for the Apple App Store (Apple EULA terms)

Because you got Settl from Apple's App Store, a few extra terms apply between you, us, and Apple. In short: your agreement is with us, not Apple; we — not Apple — are responsible for the app; and Apple can enforce these Terms.

These Terms are the End User License Agreement for the App. The following terms apply to your use of the App obtained through the Apple App Store and, where they conflict with the rest of these Terms in relation to the App on Apple devices, they prevail.

Acknowledgement. These Terms are concluded between you and Genesso FMCG Jacek Kotowski (Settl) only, and not with Apple. Settl, not Apple, is solely responsible for the App and its Content.

Scope of licence. The licence granted to you for the App (Section 6) is a non-transferable licence to use the App on any Apple-branded products that you own or control, and only as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing, where enabled.

Maintenance and support. Settl, not Apple, is solely responsible for providing any maintenance and support for the App. Apple has no obligation to furnish any maintenance or support.

Warranty. Settl is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the App's purchase price to you (if any). To the maximum extent permitted by applicable law, Apple has no other warranty obligation for the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty are Settl's responsibility.

Product claims. Settl, not Apple, is responsible for addressing any claims by you or a third party relating to the App or your possession and use of it, including: (a) product-liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer-protection, privacy, or similar legislation, including in connection with the App's use of HealthKit.

Intellectual property claims. In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual property rights, Settl, not Apple, is solely responsible for the investigation, defence, settlement, and discharge of that claim.

Legal compliance. You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

Developer name and address. Any questions, complaints, or claims about the App should be directed to: Genesso FMCG Jacek Kotowski, al. Katowicka 7, Wolica 05-830, Poland, email hello@settl.co.

Third-party terms. You must comply with any applicable third-party terms of agreement when using the App (for example, your wireless data-plan terms) and with the App Store Terms of Service and Apple Media Services Terms and Conditions.

Third-party beneficiary. You acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

19. General

The usual housekeeping that keeps the agreement clear and workable.

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service and replace any prior understanding on the subject. This does not exclude liability for fraud.
Severability. If any provision is found unenforceable, the rest stays in force, and the unenforceable part is read down to the minimum extent necessary.
No waiver. If we do not enforce a right immediately, that is not a waiver of it.
Assignment. We may assign or transfer these Terms (for example, in connection with a reorganisation or sale of the business) where this does not reduce your rights; you may not assign yours without our consent.
Force majeure. We are not liable for delay or failure caused by events beyond our reasonable control.
Notices and language. We may give you notices in the app or by email to your account address. These Terms are written in English, which is the governing language of the agreement.
Electronic communications. You agree that we may communicate with you electronically, and that electronic communications satisfy any legal requirement that communications be in writing.

20. How to contact us

Reach us anytime. We read what you send.

Genesso FMCG Jacek Kotowski (trading as Settl) Registered address: al. Katowicka 7, Wolica 05-830, Poland Email: hello@settl.co Website: settl.co

For privacy questions, please see the Privacy Policy.

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