Terms of Service

Last Updated: November 23, 2025

These Terms of Service (the “Terms”) govern your access to and use of the Settle mobile applications, websites, and related services (collectively, the “Services”) provided by Sola Studios, LLC (“Sola Studios,” “Settle,” “we,” “us,” or “our”), a Texas limited liability company with its principal place of business at 5900 Balcones Drive, Suite 100, Austin, TX 78731, USA.

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services. For questions, contact help@withsettle.com.

1. Agreement to Terms

By downloading the Settle app, creating an account, or otherwise accessing or using the Services, you acknowledge that you have read and understood these Terms, agree that these Terms form a binding agreement between you and Sola Studios, and agree to comply with these Terms and all applicable laws. If you are agreeing on behalf of an entity, you represent you have authority to bind that entity.

2. Additional Terms & Policies

Your use of the Services is also subject to:

  • Our Privacy Policy, which explains how we collect, use, share, and transfer personal data (including personalization and international transfers); and
  • Any Community Guidelines and any additional terms we present for specific features (e.g., promotions, beta features, gift subscriptions, or access provided through an employer or health plan).

If there is a conflict between these Terms and additional terms, the additional terms control for that feature. With respect to personal data processing, if there is any conflict between these Terms and our Privacy Policy, the Privacy Policycontrols.

3. Who May Use the Services

3.1 Age & eligibility

You may use the Services only if you are at least 16 years old and can form a contract with us. If you are under the age of legal majority where you live, a parent or legal guardian must review these Terms and agree that you may use the Services under their supervision. The parent/guardian is responsible for the minor’s use.

We do not knowingly collect personal data from children under 16. If you believe we have, contact help@withsettle.com.

3.2 Availability

We may limit the availability of any part of the Services to any person, area, or jurisdiction at any time.

4. Account Registration & Security

You must provide accurate, current, and complete information, keep your credentials secure, promptly update your details, and notify help@withsettle.com of suspected unauthorized access. You are responsible for activity on your account except where responsibility cannot be imposed by law.

5. Description of the Services (Wellness Use Only)

Settle is a consumer wellness and educational app that supports everyday stress management, emotional regulation, and self‑awareness through non‑medical tools, including:

  • Visual/attentional practices (e.g., smooth eye tracking, panoramic/soft gaze, near–far focus);
  • Somatic/movement practices (e.g., grounding, gentle stretches, rocking, self‑holding, legs‑up‑the‑wall);
  • Touch‑based practices (e.g., gentle self‑massage, acupressure‑style techniques, Havening‑style touch);
  • Breathwork and meditation tools (e.g., diaphragmatic breathing, box breathing, 4‑7‑8, resonance breathing, extended exhale, physiological sigh, humming, vocal toning);
  • Soundscapes and relaxation audio;
  • Journaling, note‑taking, mood/energy tracking, and micro‑habit/routine builders (e.g., digital‑detox prompts, goal check‑ins, timers);
  • Educational, non‑diagnostic heart rate variability (HRV) and other non‑medical biofeedback visualizations; and
  • Cognitive/mindset tools (e.g., 5‑4‑3‑2‑1 grounding, reframing prompts, supportive mantras, future‑self visualizations).

HRV & biofeedback notice: Any HRV or biofeedback‑style visualization in the Services is non‑diagnostic, approximate, and provided for general wellness and educational purposes only. It is not intended or designed for medical use, including diagnosis, prevention, monitoring, treatment, or cure of any disease or condition, and it is not a substitute for medical‑grade biofeedback devices or professional care.

Do not use the Services while driving, operating machinery, or in situations where distraction could cause harm.

6. Subscriptions, Free Trials, & Other Purchases

Certain features are available only with a paid subscription or other paid access (“Subscription” or “Paid Services”).

6.1 Free trials & promotional offers

Unless stated otherwise:

  • Promotional offers are for new subscribers only;
  • A valid payment method is required; and
  • If you cancel before the trial ends, you will not be charged. If you do not cancel, your Subscription converts to a paid, recurring plan at the then‑current price.

We may determine eligibility and modify or end promotions at any time, subject to law.

6.2 Auto‑renewing Subscriptions

If you purchase a recurring Subscription:

  • It automatically renews at the end of each term;
  • You authorize us (or our processor or app store partner) to charge your payment method at renewal for the then‑current price, plus taxes/fees, until you cancel; and
  • If a charge fails, we may suspend access until payment is received.

Compliance note: Where required by law (e.g., certain US states for annual plans), we will send pre‑renewal remindersand provide easy cancellation mechanisms; our checkout and in‑app flows will present clear, conspicuous renewal terms.

6.3 How to cancel

  • Apple App Store: Cancel in Apple ID subscription settings.
  • Google Play: Cancel in Google Play subscription settings.
  • Direct/Web (Stripe): Cancel in your Settle account settings or email help@withsettle.com.

Cancellation takes effect at the end of the current billing period; you keep access until then.

6.4 Refunds

6.4.1 General rule. Except where required by law (including statutory cooling‑off rights in Section 24), payments are non‑refundable and non‑creditable, and we do not provide refunds or credits for partial periods, unused content, or unused features.

6.4.2 App Store/Google Play purchases. If you purchased via Apple or Google, refunds are handled under those platforms’ policies. We generally cannot issue refunds for those purchases.

6.4.3 Direct/Web (Stripe) purchases. If you purchased directly from Settle, we may, at our discretion, offer limited courtesy refunds (e.g., for first‑time charges or mistaken renewals). The current terms and process, if any, are described in our Help Center. Our voluntary practices do not create contractual rights and may change.

6.5 Changes to plans & pricing

We may change plans and pricing. If we increase your price or make other material changes, we will notify you in advance (e.g., email or in‑app). Changes take effect at your next renewal. If you do not accept, cancel before the change takes effect. Continued use after the effective date constitutes acceptance of the change.

7. Payments; Card Updates; Fraud Prevention

You must provide a valid payment method and authorize Settle (or our processor/app store) to charge the full amount of your purchase plus taxes/fees. We may use third‑party processors; their terms apply.

We and our processors may receive updated card details from your issuer (e.g., expiration updates) to prevent service interruption. Your issuer may let you opt out. We may seek pre‑authorizations, verify identity, or decline transactions we suspect are fraudulent or unauthorized. Your purchases are not contingent on delivery of future functionality.

8. Ownership & License

All rights in the Services and the Settle Content (software, code, text, graphics, images, audio, video, designs, etc.) are owned by Sola Studios or its licensors. Subject to your compliance, we grant a limited, non‑exclusive, non‑transferable, non‑sublicensable, revocable license to install and use the app on your device for personal, non‑commercial wellness purposes. Updates may be installed automatically.

9. User Content

9.1 Ownership

“User Content” means content you submit, upload, post, store, or make available through the Services (e.g., journals, notes, mood/energy logs, goals/routines, comments, images/audio).

9.2 Private content

For private User Content (e.g., journals, mood logs not shared publicly or with other users), you grant Settle a worldwide, non‑exclusive, royalty‑free license to host, use, reproduce, modify, and create derivative works solely to operate, maintain, secure, and improve the Services, including personalization and analytics, and to create aggregated/de‑identified data. We may sublicense this limited license only to our service providers, subprocessors, and affiliates as reasonably necessary to provide the Services. We will not intentionally use purely private User Content in public marketing without your separate consent.

9.3 Public/shared content

If you post in any public area of the Services (areas visible to other users or the general public, including social/community features if offered, public profiles, or content you tag to Settle on social media), you grant Settle a worldwide, non‑exclusive, royalty‑free, transferable, and sublicensable license to use, host, store, reproduce, modify, adapt, publish, display, perform, distribute, and create derivative works from that content—and any name, username, or likeness—to operate and promote the Services and for lawful marketing and communication, in any media, without compensation. To the extent permitted by law, you waive any moral rights for these uses.

9.4 Your responsibilities

You represent you have all rights necessary to grant these licenses; your content does not infringe others’ rights; and your content complies with these Terms and applicable law. We are not obligated to monitor content, but we may remove or restrict content at any time.

10. Prohibited Conduct

You agree not to:

  • Use the Services for unlawful, harmful, fraudulent, or malicious purposes;
  • Harass, abuse, or threaten others; or post defamatory, obscene, pornographic, hateful, discriminatory, violent, or illegal content;
  • Access another user’s account without permission or circumvent security/access controls;
  • Scrape, crawl, spider, cache at scale, or otherwise collect the Services or Settle Content (including text, audio, video, or metadata) by automated or manual means not authorized by us, or beyond robots.txt;
  • Use, copy, or export Settle Content to train or develop machine learning or AI systems without our prior written consent;
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code or underlying models/algorithms (except to the extent such restrictions are prohibited by law);
  • Probe, scan, or test vulnerabilities; introduce viruses or harmful code; or interfere with the Services’ operation; or
  • Encourage or assist others to do any of the above.

We may investigate and take action, including suspension or termination.

11. Trademarks

Settle names, logos, product/service names, designs, and slogans are trademarks or service marks of Sola Studios or its affiliates. You may not use them without our written consent.

12. Termination

We may suspend or terminate your access for cause, including if:

  • You materially or repeatedly violate these Terms or the law;
  • We reasonably believe your use may create risk, harm, or liability;
  • We discontinue the Services; or
  • Non‑payment occurs.

Where required by law, we will provide advance notice and any applicable refunds. You may stop using the Services at any time and request account deletion via the app or help@withsettle.com. Canceling or deleting your account does not entitle you to a refund except as required by law. Sections that by nature survive (e.g., ownership, licenses, disclaimers, limits of liability, dispute resolution) remain in effect.

13. Wellness & Medical Disclaimers

The Services and Settle Content are for general wellness, stress management, and educational purposes only and do not provide medical, psychological, psychiatric, or other professional advice; do not diagnose, prevent, monitor, treat, or cure any disease or condition; and do not replace care from your physician, therapist, or other healthcare provider. Sola Studios is not a licensed healthcare provider; does not provide emergency services or crisis intervention; and using the Services does not create a provider‑patient relationship.

If you have questions about a medical condition, mental health concern, medication, or treatment plan, consult a qualified professional. If you have any concerns about participating in somatic, breathwork, movement or any practice found on Settle, consult a healthcare professional. Not all practices are suitable for all people. If you experience dizziness, chest pain, shortness of breath, numbness, or other concerning symptoms, stop immediately and seek care.

Emergencies: The Services must not be used in emergencies. In the US, call or text 988 or call 911; elsewhere, contact local emergency numbers or crisis hotlines. We do not monitor for emergencies and cannot contact emergency services on your behalf.

14. Disclaimers

To the maximum extent permitted by law, the Services and Settle Content are provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non‑infringement, accuracy, or uninterrupted/error‑free operation. Some jurisdictions do not allow certain disclaimers; where prohibited, these disclaimers apply only to the maximum extent permitted.

15. Indemnification

To the fullest extent permitted by law, you will indemnify, defend, and hold harmless Sola Studios and its officers, directors, employees, and agents from and against claims, disputes, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your User Content, or your violation of these Terms or the law. If you are a consumer in a jurisdiction where indemnities are restricted, this section applies only to the extent permitted.

16. 

IMPORTANT LIMITS ON LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, DATA, GOODWILL, OR SERVICE INTERRUPTION) ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SERVICES; AND

(b) IN NO EVENT WILL OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES EXCEED THE GREATER OF (i) THE AMOUNTS YOU HAVE PAID TO SETTLE FOR THE SERVICES; OR (ii) FIFTY U.S. DOLLARS (US$50).

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE; FRAUD OR FRAUDULENT MISREPRESENTATION; OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER THE LAW OF YOUR COUNTRY OF RESIDENCE. If you are a consumer and your local law provides mandatory rights that cannot be excluded, these limits apply only to the extent permitted.

17. Dispute Resolution & Arbitration (United States & Canada)

THIS SECTION CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. IT AFFECTS YOUR LEGAL RIGHTS. YOU MAY OPT OUT WITHIN 30 DAYS (SEE 17.6).

17.1 Informal resolution

Before formal action, email help@withsettle.com with a description of the dispute, your contact info, and relief sought. We will attempt to resolve within 30 days.

17.2 Arbitration & class waiver

You and Settle agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (“Disputes”) will be resolved by binding individual arbitration, not in court, except that: (a) either party may bring an individual action in small claims court; and (b) either party may seek injunctive or other equitable relief in court to protect IP rights or prevent unauthorized access or use. You and Settle waive the right to participate in a class action, class arbitration, or other representative proceeding. The arbitrator may not consolidate claims or preside over a class/representative proceeding.

17.3 Rules, forum, and fallback

Arbitration will be administered by JAMS under the JAMS Consumer Arbitration Rules (or successor rules), as modified by this Section. If JAMS is unavailable or unwilling to administer, arbitration will be administered by the American Arbitration Association (AAA) under the AAA Consumer Arbitration Rules. If neither JAMS nor AAA is available, the parties will jointly select a comparable provider; if they cannot agree, a court of competent jurisdiction will appoint one. Unless otherwise agreed: hearings are by video/phone when feasible; if in‑person is required, it will occur in your county of residence (US/CA) or another reasonably convenient location; the arbitrator may award the same relief a court could, subject to these Terms and law.

17.4 Mass filings case‑management

If 25 or more similar Disputes are filed by the same or coordinated counsel, the administrator will use batched and bellwether procedures to promote fair, efficient resolution consistent with its rules and the arbitrator’s case‑management authority.

17.5 Fees

For consumer Disputes, Settle will pay arbitration filing/administrative fees to the extent required by applicable consumer rules. If the arbitrator finds your claim frivolous or brought for an improper purpose, fees may be reallocated as permitted by law.

17.6 Opt‑out

You may opt out within 30 days after you first agree to these Terms by sending a notice to:

Sola Studios, LLC – Arbitration Opt‑Out

5900 Balcones Drive, Suite 100, Austin, TX 78731, USA

Email: help@withsettle.com

Include your full name, email used for the account, and a statement that you opt out of arbitration. Opting out does not affect other terms.

17.7 Severability

If any part of this Section is unenforceable, that part is severed and the rest remains in effect. If the class waiver is unenforceable as to any Dispute, the entire arbitration agreement is unenforceable for that Dispute, which will be resolved in court as in Section 18.

18. Governing Law & Venue

If you reside in the US or Canada, these Terms and Disputes are governed by Texas law (without regard to conflicts rules), except where local consumer law requires otherwise. Subject to Section 17, non‑arbitrable Disputes will be brought exclusively in the state or federal courts in Travis County, Texas.

If you reside elsewhere, see Section 24.

19. Changes to the Services

We may modify or discontinue features or content, introduce new Paid Services, or suspend the Services. Where changes materially disadvantage you, we will provide reasonable notice where practicable. We are not liable for changes or unavailability except as required by law.

20. Changes to These Terms

We may update these Terms. If we make material changes, we will notify you (e.g., by posting, email, or in‑app). Unless stated otherwise, changes take effect when posted. Your continued use after changes take effect constitutes acceptance. If you do not agree, stop using the Services and delete your account.

21. iOS App Terms (Apple App Store)

If you access via an Apple‑branded device: these Terms are between you and Sola Studios, not Apple; Apple is not responsible for the Services; your license is limited to Apple devices you own/control and as permitted by Apple’s terms; Apple has no obligation to provide support; if the app fails to conform to any applicable warranty, you may notify Apple for a purchase‑price refund (if any); to the maximum extent allowed, Apple has no other warranty obligations; and Apple and its affiliates are third‑party beneficiaries of this Section.

22. Contact

Sola Studios, LLC (Settle)

5900 Balcones Drive, Suite 100, Austin, TX 78731, USA

help@withsettle.com

23. Copyright Complaints (DMCA)

Report alleged infringement to:

DMCA Agent – Sola Studios, LLC

5900 Balcones Drive, Suite 100, Austin, TX 78731, USA

help@withsettle.com (Subject: “DMCA Notice”)

Your notice must meet 17 U.S.C. § 512(c)(3). We may remove or disable access to allegedly infringing material and may terminate repeat infringers.

24. Global Addendum – Region‑Specific Terms

24.1 Non‑excludable consumer rights

Nothing in these Terms excludes or limits mandatory consumer rights you have under the law of your country (e.g., EU/EEA, UK, Australia, New Zealand, Canada). Where those laws grant rights that conflict with these Terms, your local law prevails.

24.2 EU/EEA & UK – Cooling‑off and subscriptions

If you are in the EU/EEA or UK:

  • You may have a 14‑day right to withdraw from certain online contracts, subject to legal exceptions. For digital content/services, you may lose this right once services are fully performed or if you request immediate performance and acknowledge losing the right to withdraw.
  • If you withdraw within the cooling‑off period, you may be entitled to a pro‑rated refund for any unused portion, as required by law.
  • We will comply with local rules on auto‑renew, renewal reminders, and cancellation.

24.3 Australia & New Zealand

Your goods and services may come with guarantees that cannot be excluded under the Australian Consumer Law or NZ consumer laws. Where permitted, our liability for breach of a non‑excludable guarantee is limited to resupplying the services or paying the cost of resupply.

24.4 Canada

Where provincial law restricts consumer arbitration or class‑action waivers, Section 17 applies only to the extent permitted. Otherwise, you may bring disputes in the courts of your province and mandatory provincial protections apply.

24.5 Other countries with local law requirements

If your country requires consumer contracts to be governed by local law or prohibits exclusive foreign jurisdiction, these Terms will be governed by your country’s law to the extent required, and you may bring claims in your local courts; mandatory protections apply.

24.6 India

To the extent required by Indian consumer and IT laws, these Terms will be interpreted to preserve your mandatory consumer rights. Any contradictory provision will be limited to the maximum extent permitted by Indian law.

24.7 Brazil

To the extent required by Brazilian consumer law and the LGPD, mandatory consumer rights and data‑protection rights apply. These Terms will be interpreted to preserve those rights to the maximum extent required.

24.8 South Africa

To the extent required by the Consumer Protection Act (CPA) and POPIA, mandatory consumer and data‑protection rights apply. These Terms will be interpreted accordingly.

25. Electronic Communications & SMS Consent

By using the Services, you agree we may send electronic communications (e.g., emails, in‑app notices, push notifications) about your account and the Services. If you provide a mobile number, you consent to receiving SMS/text messages related to the Services, including (if you opt in) marketing messages. Message frequency varies. Consent is not a condition of purchase. Standard carrier rates may apply. You may opt out of marketing texts at any time by replying “STOP.” Some legally required notices may still be provided electronically.

26. Feedback & Unsolicited Submissions

If you send us ideas, suggestions, proposals, or other feedback (“Feedback”), you grant Settle a perpetual, irrevocable, worldwide, non‑exclusive, royalty‑free, transferable, and sublicensable license to use, copy, modify, create derivative works from, and otherwise exploit the Feedback for any purpose, without compensation. Feedback is non‑confidential.

27. Third‑Party Services, Links & Integrations

The Services may link to or integrate with third‑party websites, content, products, services, or devices. We do not control and are not responsible for third‑party services or their terms/policies. Your use of third‑party services is at your own risk and may be subject to additional terms and privacy policies.

28. Export Controls & Sanctions

You will not use, export, re‑export, import, or transfer the Services in violation of export control, sanctions, or similar laws (including those administered by the US, UK, EU, and other jurisdictions). You represent that you are not located in, under the control of, or a national or resident of any comprehensively sanctioned country/region; are not on any government sanctions or restricted‑party list; and will not use the Services for any prohibited or harmful purpose.

29. General Terms

Assignment. You may not assign these Terms without our consent; we may assign freely.

No waiver. A failure to enforce a right is not a waiver.

Severability. If a term is invalid, the remainder stays in effect.

Force majeure. We are not liable for events beyond our reasonable control.

Entire agreement. These Terms and referenced policies are the entire agreement regarding the Services.

Governing language. These Terms are in English; translations (if provided) are for convenience only.

30. California Consumer Rights Notice

Under California Civil Code §1789.3, California consumers may contact help@withsettle.com or write to Sola Studios, LLC, 5900 Balcones Drive, Suite 100, Austin, TX 78731. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 N. Market Blvd., Suite N‑112, Sacramento, CA 95834; 1‑800‑952‑5210.