Settley Send — Terms of Service

1. Acceptance of these terms

Settley Send is operated by Settley LLC, a Delaware limited liability company ("Settley," "we," "us"). By starting a conversation with our Telegram bot or opening a Settley Send payment page, you agree to these terms. If you don't agree, don't use the service.

You must be at least 18 (or the age of majority where you live) and legally able to send or receive funds to use Settley Send.

2. What Settley Send is

Settley Send lets a sender give an amount and a destination through natural-language chat, see an estimated local-currency amount, fund that amount in a supported stablecoin, and hand the receiver a claim code. The receiver opens the claim link and chooses how they want to be paid — currently bank payout (via our payout partner) or direct wallet transfer.

A transfer is not "done" the moment you pay. It's complete only once the payment is confirmed onchain, the receiver claims it, any required checks pass, and the payout provider settles the funds on the receiver's side.

3. Your Telegram identity, not an account

We don't run a separate login system. Your Telegram account is how we recognize you across a conversation. You're responsible for the security of your own Telegram account and any wallet you connect or send from — we can't recover funds lost because your device, wallet, or Telegram account was compromised.

4. How your funds are held

Once you pay a Settley Send payment link, your stablecoins are swept into a settlement wallet that Settley controls until the receiver's payout is executed. This means:

Settley holds your funds in custody between payment and payout — we are not a bank, and funds held this way are not government-insured deposits.
If a deposit can't be matched to an open claim (wrong amount, expired link, or no claim at all), our system may automatically refund it back to the wallet it came from after a short grace period, without further instruction from you.
Settley staff can also manually trigger a refund or payout on a claim through internal tools — for example, to recover a deposit support has confirmed belongs to you, or to resolve a dispute.

5. Claim codes are bearer instruments — protect them

Anyone who has a valid claim code can attempt to claim the funds it represents. We don't verify that the person claiming is the intended receiver beyond what the claim flow itself checks. Don't post a claim code publicly, and don't forward it to anyone you don't want to receive the money.

6. Fees and FX rates are estimates until settlement

The local-currency amount shown before payment is an estimate based on the rate at quote time. The amount actually delivered depends on the rate, network conditions, and payout-provider terms at the time of settlement.
We may charge a fee for the service, shown before you pay. Banking, network, and provider fees may apply on top and are outside our control.

7. Prohibited use

You may not use Settley Send for, or in connection with:

Fraud, scams, coercion, or money obtained through illegal means.
Sanctions evasion, terrorist financing, or transactions involving a sanctioned person, entity, or jurisdiction.
Illegal goods or services, or any activity that violates applicable law in your jurisdiction or the receiver's.
Attempting to interfere with, reverse-engineer, or abuse the bot, payment pages, or underlying smart contracts.

We may pause, reject, reverse, or report a transfer we reasonably believe violates this section, with or without notice, as described in our KYC/AML Policy.

8. Refunds, errors, and disputes

An expired payment link can't be reused — start a new one in Telegram. If you already paid against an expired link, our system will generally still pick it up; contact support if it doesn't within a reasonable time.
Underpayments stay pending until the full expected amount is received via the same payment path; we don't part-credit a claim.
Overpayments, payments from an unexpected wallet, or anything that looks unusual may require manual review before a claim or refund is released — this protects everyone, including you, from another user's mistake being credited to the wrong transfer.
To dispute a transfer, contact support with your claim code, the transaction hash, the amount, and the date. See our complaints process for what to expect.

9. Service availability

Settley Send depends on third parties we don't control — blockchain networks, RPC providers, banking partners, and Telegram itself. We make a best effort to keep the service available but don't guarantee uninterrupted access, and we're not responsible for delays or failures caused by those third parties.

10. Limitation of liability

Settley Send is provided "as is." To the maximum extent permitted by law, Settley LLC is not liable for indirect, incidental, or consequential damages, including loss of funds sent to the wrong claim code, loss caused by a compromised wallet or Telegram account, or delays caused by third-party providers. Nothing in these terms limits liability that can't be limited under applicable law.

11. Suspension and termination

We may suspend or refuse service to anyone we reasonably believe is violating these terms, applicable law, or our risk and compliance policies. You can stop using Settley Send at any time by simply not using the bot or payment pages.

12. Changes to these terms

We may update these terms as the product or our legal obligations change. Continued use after an update means you accept the revised terms. Material changes will be reflected here with an updated date.

13. Governing law

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles, except where local consumer-protection law requires otherwise.

14. Contact

Email: [email protected]
Telegram: @settleysendbot

This page is product disclosure copy, not legal advice. Final production text should be reviewed by qualified counsel in each jurisdiction Settley Send operates in before being relied on as a binding contract.