Terms of use
Last updated: 5 November 2026. By using Settl you agree to these terms.
What Settl is
Settl is a record-keeping tool for shared expenses. It is not a bank, wallet or payment service, and it never holds or transfers money. Payments are made in your own UPI app, under that app's terms.
Your responsibilities
- Record expenses honestly and only add people you actually share costs with.
- Only add someone's phone number if they would expect you to.
- Check amounts and UPI IDs before paying. Settl is not responsible for payments sent to the wrong person or amount.
Service
Settl is provided as is, without guarantees of availability. We may change or stop features. You can export or delete your data on request.