Clear terms for using Settle Smart

By creating an account, accessing, or using Settle Smart, you agree to these Terms of Service.

If you do not agree with these terms, do not use the platform.

Settle Smart is a digital platform that provides guidance, resources, and tools for newcomers to Canada, including refugees, students, workers, permanent residents, and families.

The platform helps users navigate settlement steps, discover practical resources, and stay organized through structured planning tools.

Settle Smart provides informational guidance only. It is not legal advice and is not a substitute for licensed legal, immigration, financial, or other professional services.

We are independent and do not make decisions on behalf of government agencies or guarantee any official outcome.

You agree to provide accurate and current information when creating and maintaining your account.

You are responsible for keeping your login credentials secure and for all activity under your account.

Accounts must not be shared, transferred, or used in ways that violate these terms.

We may suspend or terminate accounts involved in misuse, abuse, unauthorized access attempts, or other harmful behavior.

You agree not to:

• Use Settle Smart for illegal, fraudulent, or unauthorized activities.
• Attempt to access restricted systems, admin APIs, infrastructure, or another user's data.
• Scrape, automate abusive requests, reverse engineer, or otherwise exploit the platform.
• Interfere with platform performance, availability, or security controls.

Payments are processed securely through Stripe. We do not store full payment card details on Settle Smart servers.

Pricing, including promotional offers such as $9.99 plans, may change at any time for future purchases. We do not guarantee current pricing will remain available.

Access to premium features depends on an active paid plan where applicable. If your plan expires, is canceled, or payment fails, premium access may be limited or removed.

Plans may be offered as one-time purchases, recurring subscriptions, or both as the product evolves.

If you believe there was a billing error, contact our support team and we will review your request. Unless required by law, completed payments are final.

Guides, checklists, and resources on Settle Smart are provided for general informational purposes only.

The platform may include links to third-party websites, organizations, and services. Those services are not controlled by Settle Smart.

We are not responsible for third-party content, policies, availability, or any outcomes related to external services.

Settle Smart is provided on an "as is" and "as available" basis.

We do not guarantee specific outcomes, including immigration approvals, government decisions, or personal settlement results.

You are responsible for your own decisions and actions. To the maximum extent permitted by law, Settle Smart is not liable for losses arising from use of the platform or reliance on its content.

Your use of Settle Smart is also governed by our Privacy Policy.

We may update these Terms of Service from time to time to reflect product, legal, or operational changes.

When updates are posted, your continued use of Settle Smart means you accept the revised terms.

Questions about these terms can be sent to our support team.