Terms of Use

By using this Site, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you are accessing the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

These Terms constitute the entire agreement between you and SettleBrook with respect to your use of the Site and supersede all prior or contemporaneous agreements. We reserve the right to modify these Terms at any time. Material changes will be reflected in an updated “Last Updated” date. Continued use of the Site after changes constitutes acceptance.

THE SITE AND ALL CONTENT, TOOLS, AND CALCULATORS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SETTLEBROOK AND ITS OPERATORS, EMPLOYEES, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR RELIANCE ON THE SITE, INCLUDING BUT NOT LIMITED TO: FINANCIAL LOSS, LEGAL FEES, LOST SETTLEMENT VALUE, OR ANY OTHER CLAIM ARISING FROM CALCULATOR OUTPUTS OR SITE CONTENT.

In jurisdictions that do not allow the exclusion of certain warranties or limitation of certain liabilities, our liability is limited to the maximum extent permitted by law. Some states do not allow limitations on implied warranties or exclusion of incidental or consequential damages, so some of the above may not apply to you.

SettleBrook does not guarantee the accuracy, completeness, or timeliness of any content on the Site. Laws, regulations, and settlement practices change. Content may be out of date. You use the Site at your own risk.

All content on the Site — including text, calculator logic, code, design elements, graphics, and the “SettleBrook” name and any associated marks — is owned by or licensed to SettleBrook and is protected by U.S. copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial informational purposes only. You may not:

• Reproduce, copy, or distribute Site content for commercial purposes without written permission
• Reverse-engineer, decompile, or extract the calculator logic for use in competing products
• Scrape, crawl, or systematically harvest Site content through automated means
• Frame or mirror the Site on another domain without written permission
• Remove or alter any copyright, trademark, or proprietary notices

Personal, non-commercial sharing of our calculator results (e.g., sharing a link, referencing a tool in a blog post with attribution) is permitted and encouraged.

You agree not to use the Site to:

• Violate any applicable federal, state, or local law or regulation
• Transmit any unsolicited or unauthorized advertising or promotional material
• Impersonate any person or entity or misrepresent your affiliation
• Introduce viruses, malware, or other harmful code
• Attempt to gain unauthorized access to any part of the Site or its infrastructure
• Use the Site in any manner that could damage, disable, overburden, or impair it
• Collect or harvest any information from the Site through automated means
• Attempt to manipulate search engine rankings using our content

We reserve the right to terminate or restrict access to the Site for any user who violates these acceptable use standards, at our sole discretion and without notice.

The Site may contain links to third-party websites and may display third-party advertisements through Google AdSense. These third-party sites and advertisers operate under their own terms and privacy policies. SettleBrook does not endorse, control, or assume responsibility for any third-party content, products, or services. Your interactions with any third party are solely between you and that third party.

Future affiliate relationships with legal service providers may exist on this Site. Where material affiliate relationships exist, they will be disclosed in compliance with FTC guidelines.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of the state and federal courts located in Delaware for any disputes arising from these Terms or your use of the Site.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Before initiating any formal legal proceeding, we encourage you to contact us at legal@settlebrook.com to attempt informal resolution of any dispute. Most issues can be resolved quickly through direct communication.

For disputes that cannot be resolved informally, you agree that any claim or controversy arising from these Terms or your use of the Site shall be resolved by binding individual arbitration under the American Arbitration Association's Consumer Arbitration Rules, rather than in court. You waive any right to a jury trial and agree not to participate in class action litigation or class-wide arbitration.

Notwithstanding the arbitration agreement above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction in Delaware to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

Questions about these Terms should be directed to: