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Terms of Service

Settl — website, demo, and licensed software services Vendor: Settl ("we", "us") · Version 1.0 · Effective 2026-09-19 Contact: partners@piedmontaccounting.com

These Terms govern: (a) your use of the https://settl-dot.piedmontaccounting.com website and any public demonstration instance we make available; (b) our supply of the Settl software and related services under an order; and (c) our relationship with a person who contacts us about either. Where you have a signed order, licence record or Software Licence, Sale and Support Agreement ("Licence Agreement") with us, the Licence Agreement governs the software and services, and these Terms fill any gap; if they conflict, the Licence Agreement prevails.

1. Who may use this

You must be at least 18 and acting for a business. Everything on this website and in the software is offered business to business. It is not offered to consumers and must not be used for personal, family or household purposes, or to pursue debts owed by individuals for personal, family or household purposes.

2. Accounts and access

2.1 Access to a licensed installation is by the credentials created during installation or setup. You keep those credentials confidential and are responsible for everything done with them.

2.2 Notify us immediately if you believe credentials were compromised. Credentials can be changed in the application; if you cannot reach it, contact us.

2.3 We may suspend or refuse access to this website or to our licence service where we reasonably believe it is being used unlawfully, to attack or overload our systems, or in breach of these Terms or the Licence Agreement.

2.4 Acceptance recorded at sign-in. Where the installation is configured to ask for it, a user accepts these Terms, the Privacy Policy and the Licence Agreement by an affirmative act at sign-in — ticking the acceptance box, not merely reading a notice under the form. The installation then records which account accepted which version and when, in the installation's own database, and stores no IP address or user agent with it. Where the published documents are revised and the version number changes, users are asked to accept the new version. A person who is given access as an administrator, and any user they create, is taken to have authority to accept these Terms for the client on whose installation the account exists; the client remains responsible for who it gives access to.

The click-box is the operative act. The sentence shown beneath the form — that by logging in you agree to these documents — is a summary of this clause, not a substitute for it.

3. Website content and the demo

3.1 Descriptions, screenshots, statistics, prices, and feature lists on this website are informational. They do not form part of any contract, are not warranties, and are not representations on which you should rely for a purchase decision. The order, the Licence Agreement and the published documentation define what you get.

3.2 Any statistic, benchmark, case study or comparative claim we publish is either cited to its source or illustrative; if a claim has no citation, treat it as illustrative and ask us for the basis before relying on it. We do not make, and you must not rely on, any claim that the software or your use of it is compliant with any law, or that it will produce a particular financial or legal result.

3.3 The public demo: data you enter into a demonstration instance is not confidential, may be visible to others, may be deleted at any time, and must not contain real personal data, real invoice data, credentials, or anything you would not publish. We may reset a demo without notice.

3.4 Third-party links and integrations referenced on this website are not endorsements and are governed by their own terms.

4. Licences, orders and pricing

4.1 Software is supplied under the Licence Agreement. An order becomes binding when we confirm it in writing or issue the licence file, whichever is earlier.

4.2 Published prices are indicative, exclusive of tax, and may change for future orders with notice. The price on your order governs your order.

4.3 Delivery is electronic: a container image file, a licence file, and the delivery kit, sent by the method we agree. Nothing is downloaded from a public location and no registry account is required on your server. You are responsible for the security of the files between our sending them and your loading them.

5. Acceptable use

You must not, and must not permit anyone else to:

  • (a) use the software to contact any person for any purpose other than your own bona fide commercial receivables (see the Licence Agreement §1.5);
  • (b) use the software or this website to harass, deceive, defraud, threaten, or unlawfully contact any person;
  • (c) use the software to impersonate any person or firm, or to send messages that misrepresent their sender;
  • (d) load into the software personal data you have no right to hold or use, or data you are contractually or legally prohibited from disclosing to a third-party tool — including special-category data, health data, data of minors, and data covered by a professional secrecy obligation you cannot satisfy;
  • (e) attempt to probe, scan, penetrate, overload or interfere with our website, our licence service, our demo, or any system we operate, or use them to attack a third party;
  • (f) use the software in or on behalf of a person or destination subject to trade sanctions, or for any prohibited end-use;
  • (g) resell, sublicense, host for third parties, or offer the software as a service to others;
  • (h) circumvent, disable or falsify any licence verification, version, or security mechanism, or use a licence that was not issued to you;
  • (i) place messages or calls to any person or entity subject to trade sanctions or named on a restricted-party list, or located in an embargoed territory.

Our role is technical only. We select nothing, schedule nothing and write nothing for you beyond shipped defaults you may change: we provide no debt-collection service, act as no one's collection agent, and rely on the representations and warranties above. Your telephony carrier account, credentials, configuration, usage limits, billing and any recording feature you switch on there are entirely yours (see also Acceptable use (f) and the Licence Agreement §1.6).

6. Fees, tax and refunds

6.1 Fees, payment terms, suspension for non-payment, disputed invoices, fee changes and chargeback rules are in the Licence Agreement §5.

6.2 Amounts are exclusive of tax. Where tax is due in your jurisdiction, you are responsible for it, and you will give us the documentation needed to apply a treaty rate or exemption correctly.

6.3 Refunds are governed by the Refund Policy, which forms part of these Terms.

7. Intellectual property

The website, the software, the marks, the documentation and all related intellectual property are ours or our licensors'. You get the licence in the Licence Agreement and nothing more. You may not use our name or marks without written consent, and you must not present yourself as our partner, agent, or an authorised reseller unless we have appointed you in writing.

8. Confidentiality and data

8.1 Each party keeps the other's non-public information confidential and uses it only for this relationship.

8.2 Personal data is handled as described in the Privacy Policy, which forms part of these Terms. In summary: for a licensed installation we receive none of your data; we hold only business contact details, licence and check-in records, support correspondence you send us, and website logs.

8.3 Cookies and similar technologies are described in the Cookie Policy, which forms part of these Terms.

9. Third-party services you connect

You may connect the software to services such as your accounting system, your email provider and a telephony carrier, using your own accounts and credentials. Those services are governed by their terms and their privacy practices. We are not a party to them, do not control them, are not responsible for their availability, accuracy, pricing, or acts, and you are responsible for ensuring that connecting them to a self-hosted tool, and any data transferred through the connection, is permitted by your agreement with them. Where such a provider suspends or changes their service, we may be unable to make the corresponding feature work, and that is not a breach by us.

10. Availability, changes and discontinuation

10.1 We may change, add to, or remove website features at any time. We may change the software's features in an update; we publish release notes.

10.2 We may discontinue the product with at least 90 days' notice to active licensees. On discontinuation, the licence key and your installation continue to run to the end of the period you have paid for, your data remains yours and exportable, and we will make a reasonable effort to supply a final licence file that does not depend on our service.

10.3 We may discontinue the support subscription with 90 days' notice; the licensed software continues to run.

11. Disclaimers and liability

11.1 Sections 8 (Warranties, disclaimers and limitation of liability) and 9 (Refunds) of the Licence Agreement are incorporated here and apply to your use of the website, the demo and the services as if set out in full. In particular: our total aggregate liability is capped at the greater of the fees you paid us in the preceding 12 months or USD 1,000; consequential loss is excluded; and you indemnify us for claims arising from your use, your outreach, your data and your breach.

11.2 We do not exclude or limit liability that cannot lawfully be excluded or limited (including for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any statutory right that cannot be waived).

11.3 You will not join, cross-claim against or implead us in any claim brought by a person you contacted through the software, and you will co-operate in having us dismissed or substituted out of it at your cost — as set out in the Licence Agreement §8.6.

11.4 We do not warrant that the website, the demo or the software will be uninterrupted, secure, or error-free, or that defects will be corrected on any particular timetable. We are not liable for your inability to use them because of your server, your network, your third-party providers, or your configuration.

12. Term, suspension and termination

These Terms apply while you use the website or hold a licence. We may suspend the licence service or website access for breach, non-payment, or legal requirement, and terminate access for a material breach not remedied within 15 days of notice. Termination of these Terms does not end a licence granted under the Licence Agreement, which ends on its own terms.

What suspension is, and is not. Where we suspend under this section or under the Licence Agreement, it means the automation pause described in Licence Agreement §3.3 and, only on the grounds in §3.6 of that agreement, read-only mode. It never means deleting, corrupting, encrypting or withholding your data, and it never removes your ability to read it or export it from your own installation. Your data is on your server; we have no access to it and no way to erase it.

13. Governing law and disputes

Section 10 (Governing law and disputes) of the Licence Agreement is incorporated here: governed by the laws of Pakistan; a mandatory 30-day good-faith negotiation first; then binding arbitration seated in Pakistan, in English, with a single arbitrator, and claims asserted in US dollars. Service of process and formal notices may be made by email to the address on file (Licence Agreement §10.7).

14. General

14.1 Entire agreement: the Licence Agreement, the order, these Terms, the Privacy Policy, the Cookie Policy and the Refund Policy. Website content is excluded (§3.1).

14.2 If any provision is unenforceable, it is modified to the minimum extent necessary and the rest stands.

14.3 No waiver by conduct. Assignment requires our written consent. No third-party rights. Notices by email to the addresses on file. Force majeure applies, except to payment of fees already due. Electronic acceptance and electronic signature are valid.

14.4 We may update these Terms; the version and effective date change together, material changes are posted with 30 days' notice, and continued use after the effective date is acceptance.

15. Contact

Settl · , Pakistan Support: partners@piedmontaccounting.com · Privacy: partners@piedmontaccounting.com · Website: https://settl-dot.piedmontaccounting.com