Terms and Conditions

Terms of Service

Last updated: March 20, 2026

Welcome, and thank you for your interest in Unsettled! Unsettled provides a platform designed to facilitate communications between subscribers and financial institutions in their personal financial network and empower consumers to make personal financial decisions (the “Platform” or “Service”). These terms of service (“Terms”) are between you and Unsettled d/b/a D&A Services, LLC. (“Unsettled”, “we,” “our,” or “us”), and establish the terms that apply to you when you use the Service.

BY USING THE SERVICE OR BY CLICKING “I AGREE” YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS AND YOUR AGREEMENT TO BE BOUND BY THESE TERMS. YOU MAY NOT USE THE SERVICE IF YOU ARE NOT EIGHTEEN YEARS OF AGE OR OLDER AND/OR DO NOT AGREE TO THESE TERMS.

We update and improve the Service regularly, so we reserve the right to update and revise these Terms as we do. We can change these Terms at any time, and if we do, we will make reasonable efforts to provide you with prior notice of any changes but we also encourage you to check back to this site frequently. Your continued use of the Service after any change to these Terms confirms your acceptance of any revisions or changes in newer versions.

AS DESCRIBED BELOW, THESE TERMS PROVIDE FOR THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND LIMIT THE REMEDIES AVAILABLE TO YOU IN A DISPUTE.

Please review our Privacy Policy which explains how we collect, use, and share information about you when you access or use the Service. By accepting these Terms, you agree to the Privacy Policy. Should there be any inconsistencies between this document and the Privacy Policy, the terms and conditions of the Privacy Policy shall control.

1. Use of the Service

A. Service. The “Service” includes: (1) Unsettled’s website (located at www.unsettled.com) (the “Site”) and iOS and Android apps (the “Apps”) as may be updated, relocated, or otherwise modified from time to time; (2) the Platform, which enables communications between and payments to financial institutions (collectively, “Financial Service Providers”) through the Site and Apps; and (3) all content on the Site and Apps and all intellectual property rights arising out of or related to the foregoing. By completing the Unsettled registration process to access or use the Service you will become and sometimes be referred to in the Terms as a “User.”

B. Third-Party Services/Content. Our Service or communications to you may introduce you to third parties or may contain third party content or links to third party sites, applications or services (collectively, “Third-Party Content” or “Third-Party Services”). We do not control, maintain, recommend, or endorse Third-Party Content or Third-Party Services, and we are not responsible or liable for any Third-Party Services or Third-Party Content. Your interactions and business dealings with the providers of Third-Party Services and Third-Party Content are governed by your agreements with them and are solely between you and the third party.

C. License. Subject to your compliance with these Terms, Unsettled hereby grants you a nonexclusive, revocable, non-transferable license to access the Site.

2. Financial Information

Financial Information and Communications are not Legal, Financial, or Tax Advice. THE SERVICE IS NOT INTENDED TO NOR DOES IT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE.

The Service is intended only to provide communications infrastructure or platform for Users to interact with their Financial Service Providers and facilitate certain payments from Users to their Financial Service Providers. Your personal financial situation is unique, and any information obtained through the Service may not be appropriate for your situation. Accordingly, before you make any final decisions Unsettled encourages you to seek and obtain information, guidance and advice from your legal counsel, accountant, or other certified financial advisers who are fully aware of your individual circumstances. The Service may also present you general tips, recommendations, and educational material. That information is similarly not legal or financial advice.

3. Accounts; Registration; Restrictions

A. Unsettled Users. To access most features of the Service, you must register for an account. You must complete the registration process by providing us with current, complete, and accurate information which verifies your identity and the identity of your financial information. If you do not provide this information or Unsettled cannot verify your User identity, we may refuse to allow you to use the Service.

B. Accuracy of Information. You acknowledge that if you provide any information to us that is not current, complete, or accurate, Unsettled may terminate these Terms and your continued access to the Service. You agree to update your information, including all current financial information, to assure it is always current, complete, and accurate.

C. Account Information from Third-Party Services. Users may direct Unsettled to retrieve their own information maintained online by third-parties, including their Financial Service Providers (“Account Information”). Unsettled cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any User data, communications, or personalization settings.

D. Closing your Account. You may close your account at any time by emailing support@unsettled.com.

E. Eligibility. You represent and warrant that you are (1) at least 18 years of age; (2) have not been previously suspended or removed from the Service; (3) you are or have legal authority to act for the User you register; and (4) your registration and use of the Service is in compliance with all applicable laws.

F. Credentials. You are responsible for maintaining the security and confidentiality of your login credentials. You agree to notify Unsettled immediately of any suspected or verified unauthorized use of your account or any other breach of security at support@unsettled.com. You are responsible for all use of the Service occurring under your account.

G. Your Responsibilities. You may use the Service solely for lawful purposes, as intended through the provided functionality of the Service. You may not:

1. use, copy, modify, create derivative works, install, transfer, or distribute the Service except as described in these Terms;
2. rent, lease, or otherwise permit third parties to use the Service, or reformat, mirror, or frame any portion;
3. circumvent or disable any security features, or probe, scan, or test the vulnerability of the Service;
4. gain unauthorized access to the Service, other Users’ accounts, or other computers connected to the Service;
5. distribute viruses or other malicious code, or transmit large amounts of data in a detrimental manner;
6. use any robot, spider, or other automated process to retrieve, index, or “data mine” the Service;
7. reverse engineer, decompile, or otherwise attempt to discover the source code of the Service;
8. transmit unlawful, fraudulent, threatening, harassing, abusive, or otherwise objectionable content;
9. restrict, discourage, or inhibit any other User from using the Service;
10. disclose personal information about a third party or another User without their consent;
11. violate any applicable international, federal, state, provincial, or local laws or regulations;
12. use the Service in violation of any intellectual property or other rights;
13. express or imply that any statements you make are endorsed by Unsettled without prior written consent; or
14. use or access the Service to build a competing service.

4. Payment

A. Payment Processing. Payment processing services for Unsettled may be provided by our third-party payment processors, which may include PayScout. The processing of payments relating to your use of the Service will be subject to PayScout’s governing terms, available at https://payscout.com/privacy-policy/. As a condition of Unsettled enabling payment processing services through PayScout, you agree to provide PayScout with current, accurate, and complete information about you and your payment methods.

5. Content Submitted to the Service

A. User Content. Certain features of the Service may permit Users to upload content to the Service (“User Content”). You own any User Content you provide. No ownership rights in the User Content are transferred to Unsettled by these Terms.

B. License to Unsettled. By submitting User Content to Unsettled through the Service, you are licensing that content to Unsettled for the purpose of providing the Service. Unsettled may use and store the content in accordance with this Agreement and our Privacy Policy. You represent that you are entitled to submit it to Unsettled for use for this purpose, without obligating Unsettled to pay any fees or be subject to any restrictions or limitations.

C. Messages. The Service allows you to communicate with your Financial Service Provider(s) through Unsettled by exchanging communications (“Messages”). You are solely responsible for the content of any Message you send. You agree that Unsettled may, but is under no obligation to, monitor Messages for compliance with the law and with these Terms. You agree to indemnify and hold Unsettled harmless from any risk, loss, costs, litigation or other legal action related to Messages.

6. Optional Third-Party Links and Services

A. Third-Party Links. Unsettled has not reviewed all the third-party sites linked to the Site and/or App and is not responsible for the content or any off-site pages or other linked sites. Going to a Third-Party or off-site website from the Site and/or App is at your own risk and subject to those sites’ policy statements. These links do not imply endorsement of, sponsorship of, or affiliation with Unsettled.

B. Third-Party Services/Content. Unsettled and third parties may make available integrations between the Service and third-party products or services. Any use by you of such Third-Party Services is solely between you and the applicable third-party provider. Unsettled is not responsible for any violations of applicable law by Third-Party Service providers or for any liability arising from your use of Third-Party Services.

C. Third-Party Disputes and Complaints. UNSETTLED IS NOT AFFILIATED WITH ANY FINANCIAL SERVICE PROVIDER, THIRD-PARTY SERVICE OR THIRD-PARTY CONTENT, AND ANY DISPUTE OR COMPLAINT YOU HAVE WITH ANY SUCH THIRD PARTY ARISING FROM YOUR USE OF THE SERVICE IS DIRECTLY BETWEEN YOU AND SUCH THIRD PARTY.

7. Ownership

A. Unsettled. The Service, including its “look and feel,” content, modifications, and updates, and all intellectual property rights therein, is owned by Unsettled and its licensors. No ownership rights in the Service are transferred to you by these Terms except for the limited express rights granted herein.

B. Trademarks. You acknowledge that Unsettled has acquired, and is the owner of, common law or registered trademark rights in the name and word mark “Unsettled” and in the other marks displayed on the Service. You may not use Unsettled’s names or marks in connection with any product or service that is not ours, or in any manner that is likely to cause confusion.

C. Feedback. If you give Unsettled feedback, comments, or suggestions concerning the Service (collectively, “Feedback”), you hereby assign to Unsettled all right, title, and interest in and to the Feedback, and Unsettled is free to use the Feedback without payment, attribution, or restriction.

8. Confidentiality

In the course of providing the Service, Unsettled may disclose or make available to you information about its business. You acknowledge that all knowledge, information, and data provided by Unsettled to you with respect to the business, operations, and marketing of Unsettled’s products and services that is not generally known or publicly available is Unsettled’s confidential information and you will not use or disclose such confidential information to any third party without Unsettled’s prior written consent. Should you become aware of any suspicious or unexpected use or disclosure of information related to the Service, you agree to notify Unsettled immediately at privacy@unsettled.com.

9. Data

A. Usage Data. Unsettled may collect and analyze data relating to your use of the Service that is aggregated and/or de-identified (“Usage Data”) and other information relating to the provision, use, and performance of various aspects of the Service. Unsettled may analyze, process, collect, and use Usage Data for any purpose, including for improving the Service and developing new products, services, features, and functionality.

B. Special Notice for International Use. Recognizing the global nature of the Internet, you agree to comply with all applicable laws regarding the transmission of data exported from the United States or the country in which you reside. If you are using the Service from the European Union or other regions with laws governing data collection and use, then you agree to the transfer and processing of your information to and in the United States.

10. Consent to Electronic Communications

A. Administrative Communications. By using the Service, you are giving us permission and your consent to communicate with you electronically regarding registration, security, privacy, and administrative issues relating to your use of the Service. You are at all relevant times responsible for providing us with lawful, current and accurate contact information.

B. Consent. You consent to receiving our email newsletter and other marketing-related emails from us. If you wish to remove yourself from our email list for such marketing-related emails, please use the unsubscribe link in any email received from us.

C. SMS Messaging. By creating an account, you agree that Unsettled may send you text (SMS) messages in connection with your use of the Service. By providing us with specific wireless numbers you are representing and warranting that you own such numbers and are legally authorized to consent to receive such messages. You may opt out of receiving text (SMS) messages at any time by responding “STOP” or emailing support@unsettled.com.

D. Alerts. Unsettled may from time to time provide automatic alerts and voluntary account-related alerts. Unsettled may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Electronic alerts will be sent to the email address or mobile number you have provided for the Service.

11. Term and Termination

A. Term. The term of these Terms will commence on the date on which you first access or use the Service and will continue until terminated.

B. Termination. If you breach (or if Unsettled suspects you have breached) these Terms, Unsettled may, in its sole discretion, terminate these Terms and your User account and/or limit, suspend, or terminate your access to the Apps or Service, with or without notice.

C. Effect of Termination. The following Sections of these Terms will survive termination: 1.A, 3.G–10, 11.C, and 12.A–2. Unsettled’s termination of these Terms is without prejudice to any other remedies it may have at law or in equity, and does not relieve you of liability for breaches occurring prior to the effective date of termination.

D. Deactivation. Unsettled may, without notice to you: (1) restrict, deactivate, or terminate your access to the Service; or (2) terminate or modify the Service. Unsettled will not be liable to you or any third party for any termination of or modification to the Service. If you are dissatisfied with any termination or modification of the Service, your only remedy is to stop using the Service.

12. Representations and Warranties; Disclaimer

A. User Content. You represent and warrant that: (1) you are the creator and owner of any User Content you provide or otherwise have sufficient rights and authority to grant the rights granted to Unsettled in these Terms; (2) Unsettled’s use of your User Content will not infringe any third-party right; (3) your User Content does not contain any viruses or other harmful code; and (4) unless you have received prior written authorization, your User Content does not contain any confidential information of any third party.

B. DISCLAIMER. UNSETTLED MAKES NO EXPRESS OR IMPLIED WARRANTIES WITH RESPECT TO THE SERVICE AND SPECIFICALLY DISCLAIMS ALL IMPLIED AND STATUTORY WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, SATISFACTORY QUALITY, ACCURACY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE. YOUR USE OF THE SERVICE AND CONTENT IS ENTIRELY AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

13. Indemnification

A. Defense. At Unsettled’s option and request, you will defend Unsettled, its affiliates, and their respective directors, officers, employees, agents, and contractors from any actual or threatened third-party claim arising out of or based on: (1) your breach of any representation, warranty, or covenant in these Terms; (2) your violation of applicable law or any third-party right; (3) any dispute between you and any third party; or (4) your use of the Service in a manner not authorized under these Terms.

B. Indemnification. You will indemnify Unsettled from and pay: (1) all damages, costs, and attorneys’ fees finally awarded against Unsettled in any claim; (2) all out-of-pocket costs reasonably incurred by Unsettled in connection with the defense of a claim; and (3) all amounts that you agree to pay to any third party to settle any claim.

14. Limitation of Liability

A. EXCLUSION OF DAMAGES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER UNSETTLED NOR ANY UNSETTLED PARTY WILL BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE, INCLUDING LOST PROFITS, LOSS OF BUSINESS, OR LOSS OF DATA.

B. DAMAGES CAP. UNSETTLED’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE WILL NOT EXCEED: (1) THE AMOUNT OF FEES PAID BY YOU TO UNSETTLED DURING THE SIX MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (2) $100.

15. Release

If you have a dispute with any third party, including any Financial Service Provider, you release us (and our affiliates and subsidiaries, and our and their respective officers, directors, employees, and agents) from all claims, demands, and damages (actual and consequential) of every kind, known and unknown, arising out of or in any way connected with such disputes. You expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

16. Arbitration

A. Generally. You and Unsettled agree that any dispute arising out of or related to these Terms, your use of the Service or a breach thereof will be resolved by binding arbitration. YOU AND UNSETTLED ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS OR COLLECTIVE ACTION.

B. Exceptions. Nothing in these Terms will be deemed to waive the right of either party to: (1) bring an individual action in small claims court; (2) bring an action pursuant to the California Private Attorneys General Act; (3) seek injunctive relief in a court of law; or (4) file suit in a court of law to address an intellectual property infringement claim.

C. Arbitrator. Any arbitration between you and Unsettled shall be governed and administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (“AAA Rules”), available online at www.adr.org or by calling 1-800-778-7879.

D. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other party within the applicable statute of limitations period. Unsettled’s email address for Notice is legal@unsettled.com. The parties will make good faith efforts to resolve the claim directly. If the dispute is finally resolved through arbitration in your favor, Unsettled will pay you the highest of the following: (a) the amount awarded by the arbitrator; (b) the last written settlement amount offered by Unsettled; or (c) $1,000.

E. Fees; Location. If you commence arbitration, Unsettled will reimburse you for your payment of the filing fee, unless your claim is for more than $15,000. Any arbitration hearing will take place at a location to be agreed upon in New Castle County, Delaware. The language of the arbitration shall be English.

F. Confidentiality. The parties agree to keep confidential the existence of the arbitration, the arbitral proceedings, the submissions made by the parties, and the decisions made by the arbitrator, except as required by applicable law.

G. No Class Actions. YOU AND UNSETTLED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and Unsettled agree otherwise, the arbitrator may not consolidate more than one person’s claims.

17. Cooperation with Authorities

Unsettled may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Unsettled may disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process, or governmental request.

18. Protected Activity Not Prohibited

Nothing in these Terms limits or prohibits you from filing a charge or complaint with, or otherwise communicating or cooperating with or participating in, any investigation or proceeding that may be conducted by any government agency or commission. In connection with such Protected Activity, you are permitted to disclose documents or other information as permitted by law, and without giving notice to, or receiving authorization from, Unsettled.

19. Compliance with Applicable Law

Each party will comply with all applicable international, federal, state, provincial, and local laws, regulations, binding regulatory guidance, directives, and governmental requirements in connection with exercising its rights or performing its obligations under these Terms.

20. Miscellaneous

A. Subcontractors. Unsettled may use subcontractors or other third parties to perform its obligations under these Terms, but Unsettled will remain responsible for all such obligations.

B. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflicts of law provisions. Exclusive jurisdiction and venue for any litigation arising under this Agreement is in the federal and state courts located in New Castle County, Delaware.

C. Assignment. You may not assign these Terms or delegate your performance without Unsettled’s prior written consent, and any attempt to do so is void. Unsettled may assign or transfer these Terms without your consent.

D. Severability. If any provision of these Terms or portion of a provision is invalid, illegal, or unenforceable, the rest of these Terms will remain in effect.

E. Entire Agreement. These Terms constitute the entire agreement and supersede any other agreement of the parties relating to their subject matter.

F. Notices. All notices under these Terms must be in writing and sent to:

Attn: Legal — Unsettled
1400 E. Touhy Ave, Suite G2, Des Plaines, IL 60018
Email: legal@unsettled.com

21. Notice for California Users

Under California Civil Code Section 1789.3, Users located in California are entitled to the following notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254 or (800) 952-5210.