Terms of Service

Last updated 15 September 2026

What Settleroo does

Settleroo helps sole traders in Australia keep track of work they have done and what is owed for it, and send a payment link to their customers over WhatsApp or text message.

Settleroo is not a bank, and does not hold, transfer or process your money. Payments are handled by Stripe. When you connect a Stripe account, that account is yours, your agreement is with Stripe, and money your customers pay goes directly into it. We never take custody of it.

Who can use it

You must be at least 18 years old, based in Australia, and using Settleroo for genuine business purposes. You must complete Stripe's verification before you can request payments. Stripe decides whether to approve your account, and we cannot overrule that decision.

Your customers' details

You enter your customers' names and phone numbers yourself. You are responsible for having a proper reason to contact those people and for the accuracy of what you record about them. Do not add anyone you do not have an existing business relationship with, and do not use Settleroo to send marketing, bulk messages or anything unsolicited.

You are also responsible for making sure the amounts you ask for are correct. Settleroo sends what you tell it to send.

Payments and disputes

PayTo payments are approved by your customer inside their own banking app. Settlement is usually quick but is not instant, and a payment can fail after it has been approved. Settleroo marks a job as paid only when Stripe confirms the money has actually cleared.

PayTo disputes are final and cannot be appealed. If a customer disputes a payment, the money is taken back from your Stripe balance and you will need to sort it out with them directly.

Fees

Stripe charges its own processing fees, which come out of the payments you receive. If Settleroo ever charges a fee of its own, we will tell you what it is before it applies.

Availability

Settleroo is provided as it is. We do not promise it will always be available or free of faults, and we are not responsible for problems caused by Stripe, WhatsApp, your phone, or your customer's bank. Nothing here limits any rights you have under the Australian Consumer Law that cannot be excluded.

Ending your account

You can stop using Settleroo whenever you like, and ask us to delete your data. We may suspend an account that is being used to break these terms or the law. Your Stripe account is separate and stays yours.

Changes

If we change these terms in a way that matters, we will let you know at the email address on your account.

Contact and governing law

These terms are governed by the laws of New South Wales, Australia. Questions go to sunnyday130826@gmail.com.