Terms of Service

These Terms of Service ("Terms") are the agreement between you and 9565-0180 QUEBEC INC., the company that runs Settlewell ("Settlewell", "we", "us"). They apply when you use settlewell.ca and the Settlewell app. By creating an account or using Settlewell, you accept these Terms. If you do not accept them, do not use Settlewell.

We wrote these Terms in plain language. A French version is at settlewell.ca/fr/terms. If you have a question, write to hello@settlewell.ca.

1. Who Can Use Settlewell

You must be at least 16 years old and legally able to enter into an agreement. If you use Settlewell for an organization, you confirm that you have the authority to accept these Terms for it.

We may update these Terms. Section 15 explains how we tell you and what you can do.

2. What Settlewell Is, and What It Is Not

Settlewell is an information and organization tool for your Canadian immigration journey. It helps you keep your information and documents organized, see what the published official rules say about your saved information, estimate a CRS score (the points Express Entry uses to rank candidates), track documents and deadlines, and get answers to your questions from official government sources, with the source shown.

Settlewell is an independent company. We are not part of, affiliated with, or endorsed by the Government of Canada, IRCC or any provincial government. We give information, not advice. We do not tell you what to apply for, we do not fill in or submit forms for you, and we do not represent you before any government. Settlewell is not a replacement for a licensed immigration consultant (RCIC), a lawyer or a Quebec notary. We are not responsible for the result of any immigration application. The official forms and guides are free on canada.ca.

3. Your Account

You need an account for most features. When you create one, you agree to:

• give true, current and complete information, and keep it up to date;
• keep your password and sign-in codes private;
• have only one account per person;
• tell us quickly at hello@settlewell.ca if you think someone else has used your account.

You are responsible for what happens under your account.

Family members. You can add family members to your file. On the Settler plan, each family member has their own profile and documents, and you manage them from your account. Family members must be your spouse or partner, your children, or people you are the legal guardian of. Adding other people to share a plan is misuse, and we may close the account. Add another person's information only if you have the right to share it.

4. Plans, Prices and Payment

Explorer is free. Navigator and Settler are paid plans. Current prices are on our Pricing page. On the date of these Terms, they are:

• Navigator: $27 a month, or $247 a year.
• Settler, for a family of up to four people: $57 a month, or $497 a year. Each extra family member, up to six more: $7 a month, or $67 a year.

Prices are in Canadian dollars. Taxes are added at checkout. Each plan includes a set number of Setti answers per month, shown on the Pricing page. Payments are processed by Stripe.

• Before you pay — we show you the price, the renewal date, how to cancel, and the refund terms below.
• Renewal — paid plans renew automatically, every month or every year depending on your choice, until you cancel.
• Cancelling — you can cancel online at any time from your account settings (Manage billing). Your plan stays active until the end of the period you already paid for, and it does not renew. There is no cancellation fee.
• 7-day money-back guarantee — if you ask within 7 days of your very first payment for a paid plan, we refund that payment in full. This applies once, to your first payment only, not to later payments or renewals. To ask, write to hello@settlewell.ca from the email address of your account.
• Monthly plans — after your first 7 days, monthly payments are not refunded. Your plan stays active until the end of the month you paid for.
• Yearly plans — after the 7-day guarantee, if you cancel, we refund the amount you paid for the year minus the regular monthly price for each month you used, including the monthly price of any extra family members. A started month counts as a full month. If this amount is zero or less, no refund is due. Example: you paid $247 for a year of Navigator and cancel after 5 months. $247 minus 5 × $27 = $112 refunded, plus the taxes on that amount.
• How refunds are paid — refunds go to the payment method you used. Your bank or card issuer decides when the money appears.
• Price changes — we may change prices with at least 30 days' written notice. A new price applies from your next renewal. If you do not agree, cancel before the renewal.
• Your consumer rights — nothing in these Terms limits your rights under applicable consumer protection law, including Quebec's Consumer Protection Act. If the law gives you a better right to cancel or to a refund, the law applies.

5. Using Settlewell Properly

Use Settlewell to organize your own immigration journey and your family's. You may not:

• share your sign-in details, or let people outside your family plan use your account;
• use bots, scripts or other automated tools to copy or collect content from Settlewell;
• try to copy, take apart or reverse-engineer the platform;
• use Settlewell to give paid immigration advice or representation to other people. In Canada, only lawyers, Quebec notaries and licensed immigration consultants may do that;
• upload harmful files, try to get into accounts or systems that are not yours, or disturb the service;
• pretend to be someone else, or put false information in your profile;
• copy, publish or resell content from Settlewell without our permission.

If you break these rules, we may suspend or close your account (see section 12).

6. Your Information and Setti's Answers

You are responsible for the information you enter in your profile, in your documents and in your messages to Setti. Settlewell's calculations and answers depend on it being correct.

• Setti answers from official government sources and shows the source. When no verified source answers a question, Setti says so instead of guessing.
• Setti's answers can still contain mistakes. Check the official source before you act, and ask a licensed professional about your own case.
• Settlewell uses AI services from OpenAI and Anthropic to answer questions and read documents. Our Privacy Policy explains what is sent to them.
• Our team may look at a conversation or a document to solve a problem you report, to keep the service safe, or to check quality.
• We may remove content that breaks these Terms or the law.

7. Who Owns What

Settlewell owns the platform: its design, code, features, texts and brand. These Terms do not give you any ownership of it. Official government information stays the property of its publishers.

You keep ownership of the information and documents you put in Settlewell. You allow us to use them only to provide the service to you, as described in our Privacy Policy. We do not sell them and we do not use them for advertising.

8. Availability

We work to keep Settlewell available, but we cannot promise it will never be down. The service may be unavailable during maintenance, because of a technical problem, a problem at one of our providers, or events outside our control. We may change or stop a feature. If a change removes something important from a plan you paid for, section 15 applies.

9. No Advice, No Guarantees

Settlewell gives information and organizing tools. It does not give legal, immigration or professional advice. Do not rely on Settlewell instead of a licensed professional. For advice on your own case, consult a licensed immigration consultant (RCIC), a lawyer or a Quebec notary.

Immigration rules are complex and change often. A score, a requirement comparison or any other result in Settlewell is an estimate based on the information you entered and the official rules as published. It is not a decision, and it does not predict the outcome of an application. Rules may have changed since we last updated them.

To the extent the law allows, Settlewell is provided "as is" and "as available", without guarantees about accuracy, completeness, timeliness, fitness for a purpose, or uninterrupted access. This does not take away any guarantee that the law gives you as a consumer.

10. Limits on Our Responsibility

To the extent the law allows, Settlewell and its directors, employees and partners are not responsible for indirect losses, such as lost income, a delayed or refused application, or a decision you make based on information in Settlewell. To the extent the law allows, our total responsibility to you for everything related to Settlewell is limited to the amount you paid us in the 12 months before the claim, or $50 if you use the free plan.

If you are a consumer, Quebec's Consumer Protection Act and the Civil Code of Québec may give you rights that these limits cannot remove. In that case, these limits apply only as far as the law allows.

11. Your Responsibility to Us

If you break these Terms or the law, or violate someone else's rights (for example by entering another person's information without the right to do so), and this causes a claim against Settlewell, you agree to cover the resulting costs and damages, to the extent the law allows.

12. Closing an Account

By you. You can close your account at any time from your account settings or by writing to privacy@settlewell.ca. Export your data first if you want a copy. If you have a paid plan, section 4 explains what happens to your payment.

By us. We may suspend or close your account if you break these Terms, if your account puts other users or the service at risk, or if the law requires it. We will tell you why, unless the law or a security reason prevents it. Any refund you are entitled to under section 4 or under the law still applies.

When an account closes, your right to use Settlewell ends. We handle your personal information as described in our Privacy Policy. Sections 7, 9, 10, 11 and 13 continue to apply.

13. Law and Disputes

These Terms are governed by the laws of Quebec and the federal laws of Canada that apply there.

If you have a problem, write to us first at hello@settlewell.ca. We will try to solve it with you. If we cannot, either of us can go to court. For disputes where the law lets us choose, the courts of Quebec in the judicial district of Montréal have jurisdiction.

If you are a consumer, nothing in this section takes away your right to go to the court of your own district, to make a complaint to the Office de la protection du consommateur, or to use any other remedy the law gives you.

14. Events Outside Our Control

Neither of us is responsible for a delay or failure caused by events outside our reasonable control, such as a natural disaster, a government action, an internet or power outage, a failure at a third-party provider, a cyberattack or a labour dispute. We will do our best to restore the service as soon as we reasonably can.

15. Changes to These Terms

We may change these Terms. When we do, we update the "Last updated" date at the top of this page. For important changes, we tell you by email or in the app at least 30 days before they take effect. The notice says what changes, when, and that you may cancel without penalty if you refuse the change.

If you do not agree with a change, you can close your account or cancel your plan before it takes effect. A change cannot remove a right that the law does not allow us to remove. If the law requires your express acceptance, we ask for it.

16. If Part of These Terms Is Invalid

If a court finds part of these Terms invalid, the rest still applies. The invalid part is replaced by what comes closest to its purpose and is allowed by law.

17. The Whole Agreement, and Languages

These Terms, with our Privacy Policy, form the whole agreement between you and Settlewell about the use of Settlewell. They replace any earlier agreement on the same subject.

These Terms exist in French and in English. The French version is at settlewell.ca/fr/terms. You can use either version at any time.

18. Contact Us

If you have a question about these Terms, contact us at:

9565-0180 QUEBEC INC. (Settlewell)
3421 Avenue King Edward, Montréal (Québec) H4B 2H2, Canada
hello@settlewell.ca