Privacy Policy

Effective Date: Feb 14, 2026
Last Updated: Feb 14, 2026

Welcome to Settle Up (“we,” “our,” or “us”). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our mobile application and related services (the “App”).

By using the App, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information to provide and improve our services.

A. Information You Provide

When you create an account or use the App, we may collect:

  • Name or display name

  • Email address

  • Profile photo (optional)

  • Handicap information (optional)

  • Game setup preferences

  • Scores entered during gameplay

If you subscribe to a premium plan, payment processing is handled by Apple App Store or Google Play. We do not collect or store your credit card or payment details.

B. Gameplay Data

We collect information related to use of the App, including:

  • Scores entered during rounds

  • Game types selected (e.g., Nassau, Skins, Banker, Wolf)

  • Stakes entered for tracking purposes

  • Settlement summaries (who owes who)

  • Game history and statistics

This information is used solely to provide App functionality and improve user experience.

C. Device & Technical Information

We may automatically collect:

  • Device type

  • Operating system

  • App version

  • IP address

  • Anonymous usage analytics

This information helps us maintain security and improve performance.

2. Payments & Wagering Disclaimer

The App does not process, hold, transfer, or manage real money wagers.

The App functions solely as a scorekeeping and settlement tracking tool.

Users may independently settle balances using third-party payment services such as Venmo, PayPal, Cash App, Apple Pay, or similar platforms. Any such payments occur entirely outside of the App and are governed by the terms and policies of those third-party services.

We do not:

  • Act as a gambling operator

  • Facilitate or enforce wagers

  • Take a percentage of any bet

  • Hold funds in escrow

  • Provide financial or payment services

Users are solely responsible for complying with all local laws regarding wagering and payments.

3. How We Use Your Information

We use collected information to:

  • Operate and maintain the App

  • Provide game scoring and settlement tracking

  • Process premium subscriptions

  • Improve features and performance

  • Provide customer support

  • Communicate important service updates

  • Prevent fraud or abuse

We do not sell your personal information.

4. Sharing of Information

We do not share information

Legal Compliance

We may disclose information if required to do so by law or if necessary to protect the rights, safety, or property of users or the public.

5. Third-Party Services

The App may contain links to third-party services such as:

  • Venmo

  • PayPal

  • Cash App

  • Apple Pay

  • Google Pay

These services operate independently. We are not responsible for their privacy practices. Please review their privacy policies before using those services.

6. Data Retention

We retain your information for as long as your account remains active or as necessary to provide services.

You may request account deletion at any time by contacting:

[Support Email Address]

Upon deletion request, we will remove your personal data, except where retention is required by law.

7. Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect your information. However, no method of electronic transmission or storage is completely secure.

8. Children’s Privacy

The App is intended for users who are at least 18 years old. We do not knowingly collect personal information from individuals under 18.

If we become aware that a minor has provided personal information, we will delete it promptly.

9. Your Privacy Rights

Depending on your location, you may have the right to:

  • Access your personal information

  • Request correction of inaccurate data

  • Request deletion of your data

  • Withdraw consent

To exercise these rights, contact:

[Support Email Address]

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date above.

Continued use of the App after updates constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy, please contact:

Settle Up
tlandvd@gmail.com
Settleupgolf.com