Terms of Service

Last updated October 28, 2026

These terms are the agreement between you and SettleMath ("we", "us"), which runs settlemath.app ("the site"). By using the site or starting a plan, you agree to them. If you don't agree, please don't use the site.

1. What the site is

The site is an information service. It shows numbers, charts and history about the 15-minute Bitcoin up/down market listed by a CFTC-regulated exchange: the SettleMath model's estimate, signals and what they point to, the market's prices, base rates from past windows, tools to test signals on past markets, and a record of how accurate all of these have been.

The site does not take orders, place trades, hold money or connect to anyone's trading account. It is not affiliated with, endorsed by or sponsored by that exchange, CF Benchmarks, Coinbase, Kraken, Bitstamp or Deribit.

2. Not advice

Nothing on the site is investment, trading, financial, legal or tax advice. Signals and the SettleMath model are shown with labels such as "Buy Up", "Buy Down" or an edge in cents: each says what a published signal or model reads from market data at that moment, by fixed rules, the same for everyone. They are not personal recommendations and are not tailored to you, and a signal's past record does not mean it will keep working. Any decision you make is yours alone. Event contracts involve risk of loss, including the loss of everything you put into a contract.

3. Accuracy and availability

Results the site shows for past markets - the signals' records on the leaderboard and the home page, the Lab's scanner and simulators, the penny tester and the week's record - are hypothetical: no trade was placed. HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN.

Numbers come from public sources and may be delayed, incomplete or wrong. Our Bitcoin price is our own composite of several exchanges, an estimate, not the official index a market settles on. Our model is a simplification and is explained on the site with its known limits. Any accuracy record we publish describes the past and does not promise anything about the future.

We try to keep the site running, but we don't promise it will always be available, fast or free of errors. Feeds can fail; when a number is stale the site tries to show that, but it can't catch every problem.

4. Who can use it

You must be at least 18 years old and able to form a binding contract. You are responsible for following the laws that apply to you where you live, including any rules about event contracts.

5. Your account

Sign-in is provided by Clerk. Keep your sign-in secure; you are responsible for what happens under your account. An account is for one person; don't share it or resell access. Tell us at once if you think someone else has used it.

6. Plans, passes and billing

• Prices. Pro costs $14.99 a week or $44.99 a month in US dollars, or $4.99 for a 24-hour pass, plus any sales tax that applies. The price is shown before you start.
• Renewal. A plan renews automatically at the end of each week or month and is charged to your card until you cancel.
• The 24-hour pass. The pass is one payment of $4.99 (plus any sales tax that applies) for Pro for 24 hours from the payment, or from the end of a pass you already have. It is not a subscription: it is never charged again and there is nothing to cancel. It is not refundable except as the Refunds page says. There is no free trial.
• Lifetime. Lifetime is one payment of $299.00 (plus any sales tax that applies), offered to the first 73 people only. It gives Pro for as long as the SettleMath service runs, with no renewal charges. "Lifetime" means the life of the service, not of the person who paid: it does not promise that the service will run for any length of time. It is for one person's account and can't be transferred. It includes the Pro features as they are at any time; features may be added, changed or removed, as for any Pro plan. Getting Lifetime while a weekly or monthly plan is running sets that plan to end at the end of the period already paid for (or its trial), with no further charges.
• Launch deal. While we run a launch deal (it is shown on the Pricing page with the time it has left), a monthly plan started during it gets two extra weeks free: once its first month's payment goes through, its next charge moves 14 days later. Once per account; it has no cash value and ends when the deal's time runs out (a plan started after that doesn't get it).
• Lifetime friend week. Once each calendar month (US Central time), a Lifetime member can have us add 7 days of Pro to a friend's SettleMath account, by sending us the email that account uses. A week not given doesn't carry over; it has no cash value and can't be sold. On a running plan it moves the friend's next charge 7 days later; with no plan it is 7 days of Pro that then simply ends.
• Lifetime refunds. Lifetime is not refundable, except: (a) if the SettleMath service shuts down within 12 months of your purchase, you get a full refund when you ask us at the contact address; and (b) a refund for a problem caused by a bug on our side, decided case by case. A refund, or a payment dispute with your bank, ends Lifetime. Deleting your account ends Lifetime for good, with no refund.
• Cancelling. You can cancel anytime from your account page (Manage billing). Pro keeps working until the end of the period you already paid for; nothing more is charged.
• Switching plans. Switching between weekly and monthly takes effect at once; the unused part of your current period is credited toward the new one.
• Failed payments. If a charge fails, our payment processor tries the card again. Pro stays on for about 48 hours after the failed charge, then pauses until a payment goes through. If the payment never goes through, the plan ends.
• Price changes. If we change the price of your plan, we will tell you by email at least 7 days before the new price applies to you, so you can cancel first.
• Payments. Payments are processed by Stripe. We never see or store your card number.

Refunds are covered on the Refunds page.

7. Using the site fairly

The site is for your own personal use. You may share an occasional screenshot for discussion. You may not:

• copy, scrape, download in bulk, resell or redistribute the site's data, pages or alerts, or use them to build a product or service;
• use automated tools to collect data from the site, or try to get around the free view's delay, the locked panels or any other access control;
• share your account, or try to break, overload or probe the site's security.

We may suspend or close an account that breaks these rules, without refund for the period in which it happened.

8. Ownership

The site's design, text, code and our own calculations belong to us. Market and price data belong to their sources and are used under their terms.

9. No warranties

The site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement, to the extent the law allows.

10. Limits on our liability

To the extent the law allows, we are not liable for any trading or investment losses, lost profits, or indirect, incidental, special or consequential damages arising from your use of the site, even if we were told they were possible. Our total liability for any claim about the site is limited to the amount you paid us in the three months before the claim arose.

11. Changes and ending the service

We may change or remove features. We may update these terms; the date at the top shows the latest version, and we will email subscribers about significant changes before they apply. If we shut the service down, we will refund the unused part of any paid period.

You can stop using the site and delete your account at any time from your account page.

12. Law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Texas, unless the law where you live gives you the right to bring it elsewhere.

13. Contact

Questions about these terms: [email protected].