Last updated: 18 April 2026
1. Acceptance of Terms
These Terms and Conditions constitute a legally binding agreement between you (“you,” which may be you personally as a consumer or on behalf of an entity) and SettleIndex Ltd, its employees, and agents (“we,” “us”). This agreement governs your access to and use of the SettleIndex website and related services (the “Site”), located at https://settleindex.com.
User Types:
- If you are using the Site for business purposes, you are a Business User.
- Otherwise, you are a Consumer User.
Statutory Rights:
If you are a Consumer User, nothing in these Terms affects your statutory rights under applicable law, including the Consumer Rights Act 2015.
Nature of the Platform:
The Platform is solely a decision-support tool. It does not make, recommend, or advise on any course of action.
If You Disagree:
If you do not agree with all of these Terms and Conditions, you should not use the Site and Services. We advise you to print a copy of these Terms for your records.
Incorporation of Other Documents:
These Terms expressly incorporate any supplemental terms, conditions, or documents that may be posted on the Site from time to time.
2. Changes to Terms and the Site
Changes to Terms:
We reserve the right to make changes to these Terms and Conditions and the Supplemental Policies at any time. Changes will be indicated by an updated “Revised” date and will become effective as soon as they are accessible. You are responsible for reviewing these changes to stay informed. Your continued use of the Site signifies your acceptance of such changes.
Changes to the Site:
We may update or change the Site periodically to reflect changes to our products, our users’ needs, and/or our business priorities.
3. Site Access and Restrictions
Geographic Restriction:
Our Site is directed towards people residing in the United Kingdom. The information provided is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would violate law or regulation or subject us to any registration requirement.
Age Restriction:
The Site is intended for users who are at least 18 years old. If you are under 18, you are not permitted to register for the Site or use the Services without parental permission.
4. Additional Applicable Policies
Your use of the Site is also governed by the following policies:
- Privacy Notice: Sets out the terms on which we process personal data. By using the Site, you consent to this processing and warrant that all data you provide is accurate. View the notice at https://settleindex.com/privacy.
- Acceptable Use Policy: You must comply with this policy, which is set out below in these Terms.
- Cookie Policy: Provides information about the cookies used on the Site. View the policy at https://settleindex.com/cookies.
5. Payment
Use of the Site to model a Case is subject to agreed payment terms. We may suspend access for non-payment and delete your Case models if there is default in payment for 6 months.
6. Acceptable Use Policy
You agree not to misuse the Site, including:
– attempting to access restricted areas;
– reverse engineering the platform;
– using automated tools to extract data;
– interfering with the operation of the Site.
7. Information you provide to us
You warrant that all information you provide is accurate, complete, non-defamatory not provided in breach of copyright or confidentiality duties and up to date.
8. Content you provide to us
You are responsible for User Content. We are not responsible for inaccuracies in User Content and may use anonymised data derived from it.
7. Our Content and Modelling
The modelling of Cases is a subjective and probabilistic exercise.
You are solely responsible for:
– verifying all inputs;
– reviewing and amending any outputs;
– determining suitability of outputs;
– exercising independent judgment.
Outputs are not predictions or guarantees.
8. Automated Model Generation and LLM Technology
The Platform may generate outputs using third-party AI and LLM technology.
Such outputs may be inaccurate, incomplete, or misleading. We do not verify such outputs.
All outputs are draft indicative models. Their logical structure and content are your sole responsibility and must be carefully reviewed by you.
9. Site Management
We may monitor, suspend, or restrict access to the Site.
9. Availability
We do not guarantee uninterrupted or error-free operation.
10. Disclaimer and Liability
We do not provide legal, financial, or settlement advice.
10.1 Consumer Users
We are liable only for foreseeable loss resulting from breach of these Terms.
We are not liable for losses arising from your failure to review outputs or exercise judgment.
10.2 Business Users
We are not liable for:
– reliance on outputs;
– settlement decisions;
– litigation outcomes;
– indirect or economic loss.
10.3 Liability Cap
Our total liability is limited to the LESSER of:
– fees paid in the previous 12 months; or
– £100,000.
11. Indemnity (Business Users Only)
Business Users indemnify us for claims arising from use of the Platform.
12. Termination
We may suspend or terminate access for breach, including non payment of subscription/fees (see Payment above).
13. General
These Terms are governed by English law.
14. Disputes
Disputes are subject to the courts of England and Wales.
Subject to the above, We will try to resolve any disputes with you quickly and efficiently. If you are unhappy with us please contact us as soon as possible. If you and we cannot resolve a dispute using our complaint handling procedure, we will: let you know that we cannot settle the dispute with you.
Our registered office for service of any notice or proceedings is:
SettleIndex Ltd
26 Great Percy Street
London, WC1X 9QP
United Kingdom
