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1. Agreement to Terms
By accessing or using Settler (the "Service"), including our Telegram bot (@settlerx_bot) and Mini App, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the Service.
2. Description of Service
Settler is a Telegram Mini App that provides:
- Expense Tracking: Record and categorize expenses manually or via AI
- Group Splitting: Split expenses among members of Telegram group chats
- Balance Calculation: Automatic calculation of who owes whom
- AI Features: Automatic categorization and spending insights powered by OpenAI
- Blockchain Settlements: Settle debts via TON blockchain integration
- Multi-Currency Support: Track expenses in USD, EUR, RUB, KZT, GBP
- Analytics: Visual spending analysis and reports
3. Eligibility
To use Settler, you must:
- Be at least 13 years old (or 16 in the EU/EEA/UK)
- Have a valid Telegram account
- Have the legal capacity to enter into binding contracts
- Comply with all applicable laws in your jurisdiction
- Not be prohibited from using the Service under applicable laws
4. User Accounts
4.1 Account Creation
- Accounts are created automatically when you first use the Service via Telegram
- You must provide accurate Telegram profile information
- One account per Telegram user
4.2 Account Security
You are responsible for:
- Maintaining the security of your Telegram account
- All activities that occur under your account
- Notifying us of any unauthorized access
- Any actions taken through your wallet if you connect one
4.3 Account Termination
You may delete your account at any time through the app. We may suspend or terminate accounts that:
- Violate these Terms
- Engage in fraudulent or illegal activities
- Abuse the Service or harm other users
- Remain inactive for over 2 years
5. Acceptable Use
5.1 You May
- Use the Service for personal, non-commercial expense tracking
- Share expense data with members of your Telegram groups
- Export your data at any time
- Use AI features for expense categorization and insights
5.2 You May Not
- Use the Service for illegal purposes
- Attempt to gain unauthorized access to the Service
- Reverse engineer, decompile, or disassemble the Service
- Use automated scripts or bots (except as intended)
- Harass, abuse, or harm other users
- Spam or send unsolicited messages
- Manipulate expense data to defraud others
- Impersonate other users or entities
- Use the Service to launder money or evade taxes
6. Expenses and Financial Tracking
6.1 Accuracy
- You are responsible for the accuracy of expense data you enter
- We are not responsible for calculation errors caused by incorrect input
- Always verify balances before making settlements
6.2 Group Expenses
- Expense data is shared with all members of your group
- Only add expenses with consent of group members
- We do not mediate disputes between group members
6.3 Not Financial Advice
- The Service is for tracking only, not financial advice
- AI insights are informational and should not be relied upon for financial decisions
- Consult a qualified financial advisor for financial planning
7. TON Blockchain Integration
Important: All blockchain transactions are final and irreversible. Always verify recipient addresses before sending.
7.1 Non-Custodial
- We never hold, store, or have access to your cryptocurrency
- You maintain full control of your TON wallet
- We are not responsible for lost or stolen cryptocurrency
7.2 Blockchain Transactions
- All blockchain transactions are final and irreversible
- Transaction fees (gas fees) are your responsibility
- Verify recipient addresses before sending settlements
- We do not guarantee transaction success (depends on blockchain network)
7.3 No Investment Service
- We do not provide investment, trading, or financial services
- TON settlements are peer-to-peer between users
- We do not control cryptocurrency values or exchange rates
8. AI Features and OpenAI Integration
8.1 AI Processing
- Expense descriptions may be sent to OpenAI for categorization
- AI insights are generated based on your spending patterns
- AI suggestions are not guaranteed to be accurate
8.2 Limitations
- AI may miscategorize some expenses
- You can manually correct any AI categorizations
- AI insights are estimates and should not be solely relied upon
9. Intellectual Property
We retain all rights to the Settler name, logo, branding, code, design, and functionality. You retain all rights to your expense data and personal information.
10. Fees and Payment
10.1 Free Service
- Settler is currently free to use
- We reserve the right to introduce fees in the future
- Users will be notified 30 days before any fees are implemented
10.2 Third-Party Costs
You are responsible for:
- Internet and data charges
- TON blockchain transaction fees (gas fees)
- Any costs associated with your wallet provider
11. Disclaimers
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or uninterrupted operation.
- We are not responsible for Telegram, OpenAI, or TON blockchain services
- Third-party service outages may affect functionality
- We are not liable for disputes between users
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- We are not liable for lost profits, data, or opportunities
- We are not liable for indirect, incidental, or consequential damages
- Our total liability shall not exceed $100 USD
- We are not responsible for cryptocurrency losses due to user error
13. Dispute Resolution
13.1 Informal Resolution
Before filing a claim, please contact us via @settlerx_bot to resolve the issue informally.
13.2 Arbitration
Disputes that cannot be resolved informally shall be resolved through binding arbitration. You agree to resolve disputes individually and waive the right to participate in class actions.
14. Changes to Terms
We may modify these Terms at any time. Material changes will be notified via Telegram bot message and in-app notification. Continued use after changes constitutes acceptance.
15. Company Information
Settler is operated by:
- Legal Entity: citrus LLC
- Registered Address: 30 N Gould St, Ste R, Cheyenne, WY 82001, USA
- Email: [email protected]
16. Contact Information
- Email: [email protected]
- Telegram Bot: @settlerx_bot
- Website: https://getsettler.com
- App: https://app.getsettler.com
Quick Summary (Not Legally Binding)
What Settler does: Helps you track and split expenses in Telegram groups with AI and blockchain features.
Your responsibilities:
- Enter accurate expense data
- Use the service legally and ethically
- Secure your Telegram account and wallet
- Verify settlements before sending
Important notes:
- Service is free (for now)
- We don't store your crypto or wallet keys
- Blockchain transactions can't be reversed
- AI suggestions might be wrong sometimes
- You can delete your account anytime
Disputes: Contact us first, we'll work it out. If not, arbitration.
By using Settler, you agree to these Terms.
These Terms of Use are effective as of October 20, 2025.