Terms of Use

Agreement to Terms

By accessing or using SettlementDecisions.com (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Site. We reserve the right to modify these terms at any time. Continued use of the Site after changes constitutes acceptance of the revised terms.

What This Site Is (and Is Not)

SettlementDecisions.com is an independent educational platform providing tools, calculators, and informational content about structured settlements. We are not:

All content is for general educational and informational purposes only. Always consult qualified professionals before making financial decisions regarding your structured settlement.

Our Service

We provide free educational tools including calculators, market data dashboards, state law information, and buyer information. We also offer a free, optional service that connects users who are interested in selling structured settlement payments with a vetted, licensed structured settlement purchaser.

If you choose to submit your information and consent to be contacted, we may share your details with a purchaser who can provide you with a no-obligation quote. See our TCPA Consent Disclosure and Privacy Policy for full details on how your information is handled.

Calculator & Tool Disclaimer

Our calculators use standard present-value financial formulas and publicly available market data to generate estimates. These estimates are illustrative only and are not offers, guarantees, or appraisals. Actual quotes from purchasers may differ based on:

Do not rely solely on calculator outputs when making financial decisions. A calculator estimate is a starting point for research, not a substitute for a written offer or professional advice.

User Conduct

You agree to use the Site only for lawful purposes and in accordance with these terms. You agree not to: submit false or misleading information through our forms; attempt to interfere with the Site’s operation; scrape, copy, or redistribute our content without written permission; or use the Site to harm, defraud, or mislead others.

Limitation of Liability

SettlementDecisions.com is provided “as is” without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that any content is complete or current.

To the fullest extent permitted by law, SettlementDecisions.com, its owners, operators, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, reliance on any content, or any transaction between you and a third-party purchaser.

We do not control, endorse, or guarantee the terms of any offer made by a purchaser. Any agreement you enter into with a purchaser is solely between you and that company. We encourage you to review all documents carefully and seek independent legal counsel before signing a transfer agreement.

Intellectual Property

All content on this Site — including text, calculators, tools, graphics, logos, and software — is owned by or licensed to SettlementDecisions.com and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent, except for personal, non-commercial use (such as printing an article for your own reference).

Third-Party Links

The Site may contain links to third-party websites (such as government resources, regulatory bodies, or company websites). These links are provided for convenience and informational purposes. We do not control or endorse third-party sites and are not responsible for their content, accuracy, or practices.

Indemnification

You agree to indemnify and hold harmless SettlementDecisions.com, its owners, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney’s fees) arising from your use of the Site, your violation of these terms, or your violation of any rights of a third party.

Changes to These Terms

We may revise these Terms of Use at any time by updating this page. The “last updated” date at the top reflects the most recent revision. Your continued use of the Site after any changes constitutes acceptance of the new terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United States and the state in which SettlementDecisions.com operates, without regard to conflict of law principles.

Contact

Questions about these Terms? Contact us at contact@settlementdecisions.com.