Privacy Policy

Information We Collect

From Business Owners:

• Name, email address, and phone number provided during registration
• Business name and address
• Accounts receivable data uploaded or synced to SettledUp including customer names, invoice amounts, due dates, and payment status
• Google Sheets, Microsoft OneDrive, or QuickBooks account access tokens (read-only)
• Billing information processed securely through our payment provider

From End Users (invoice recipients):

• Phone numbers provided by Business Owners
• SMS interaction data including message delivery status and response history

How We Use Your Information

For Business Owners:

• To operate and provide the SettledUp platform
• To send you SMS notifications about your accounts receivable status
• To analyze platform performance and improve our service
• To communicate with you about your account

For End Users:

• To send SMS payment reminders on behalf of the Business Owner
• To track message delivery and response status

SMS Communications

SettledUp sends SMS messages on behalf of Business Owners to their customers. Business Owners are required to disclose to their customers that payment reminders may be sent via text before adding their phone numbers to SettledUp. End Users can opt out of receiving SMS messages at any time by replying STOP to any message. Reply HELP for support information. Message and data rates may apply. Message frequency varies based on account activity.

• Mobile phone numbers collected through SettledUp are never sold or shared with third parties for marketing purposes.
• Message frequency for Business Owners varies based on account activity, typically one message per business day.
• Message frequency for End Users (invoice recipients) varies based on invoice activity.
• Message and data rates may apply.
• To opt out, reply STOP to any message. To get help, reply HELP to any message for support contact information.

Mobile Number Policy

SettledUp does not sell, rent, or share mobile phone numbers with third parties for marketing purposes. Phone numbers collected from Business Owners are used solely to deliver account notifications. Phone numbers provided by Business Owners for their customers are used solely to deliver payment reminders on that Business Owner's behalf and are never used for any other purpose.

Data Sharing

We do not sell personal information to third parties. We do not use personal information for marketing purposes. We share data only with:

• Service providers necessary to operate SettledUp (Twilio for SMS delivery, Supabase for data storage)
• As required by law or legal process

Data Security

We implement industry-standard security measures to protect your information. Google Sheets, OneDrive, and QuickBooks connections use read-only OAuth access. We do not store full spreadsheet data permanently — only the information necessary to identify overdue invoices and deliver reminders.

Data Retention

We retain account data for as long as your account is active. Upon account cancellation, data is deleted within 30 days upon request.

Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us at travis@settledup.co.

Contact Us