The Settled Company LLC

Financial Education Disclaimer

Last updated August 12, 2026

No professional or fiduciary relationship

The Settled Company LLC is not acting as your financial adviser, investment adviser, broker, lender, credit bureau, tax preparer, attorney, insurance producer, or fiduciary. Using Settled does not create a professional-client or fiduciary relationship.

Your information and assumptions

Settled’s results depend primarily on information you enter manually and assumptions built into each tool. Settled does not currently connect to banks, card issuers, lenders, or credit bureaus and does not pull a credit report. Incorrect, incomplete, or outdated inputs produce incorrect or incomplete results.

Product boundary

Settled does not provide investment, tax, insurance, retirement, housing, credit-repair, or travel-planning recommendations or services. Any legacy or unaudited material in those categories should not be relied upon and is not part of Settled's approved product scope.

Estimates are not guarantees

Payoff dates, interest costs, budgets, projections, financial-health gauges, card approval likelihoods, points values, and goal-feasibility results are educational estimates based on information you enter. Actual outcomes can change because of rates, fees, compounding methods, payment timing, issuer rules, missing information, personal circumstances, and other factors. No result guarantees card approval, savings, credit improvement, debt elimination, or achievement of a goal.

Financial Score

The Financial Score is Settled’s educational model based on the information available in the product. It is not a credit score, underwriting score, credit report, or standardized measure used by a financial institution. Its pillars and explanations are intended to help you identify possible areas for review.

Cards and third-party offers

Card terms, bonuses, fees, transfer partners, eligibility rules, and issuer decisions change. Verify all current terms directly with the issuer before applying or acting. Settled is not a card issuer and cannot guarantee an application result.

Use your judgment

You remain responsible for verifying information and deciding what is appropriate for you. Consider consulting qualified professionals before making decisions with material financial, tax, legal, insurance, or investment consequences. Do not delay seeking professional help because of information from Settled or Finn.

Contact

Questions about this disclosure may be sent to legal@usesettled.app.