Terms & Conditions

These Terms & Conditions (the “Terms”) govern your use of the Settlio web application and website (together, the “Service”) operated by the provider named in Section 2. By creating an account, using the preview, or purchasing Full Access, you agree to these Terms.

The Service is a standard consumer product offered to individuals relocating to Germany for work or study. These Terms do not provide for subscriptions, recurring billing, per-seat licensing, enterprise arrangements, a marketplace, advertising, or user-generated content, none of which are part of the Service.

You accept these Terms when you create an account and, for Full Access, again when you tick the acknowledgements shown at checkout immediately before payment. The contract for Full Access is concluded as set out in Section 7. The version of these Terms that applies to a purchase is the version in force at the time of that purchase; we keep a record of your acceptance, including the checkout acknowledgements and the confirmation we send you by email. Section 19 explains how future changes apply.

Your contract for the Service is concluded with:

Contact: support@settlio.de. Further statutory details are set out in our Legal Notice.

Settlio is a relocation planning and workflow tool. Based on the information you provide — such as nationality, visa track, target city, arrival date, and family situation — it generates a personalized, dependency-aware roadmap and provides:

• workflow orchestration and step sequencing;
• relocation planning tailored to your profile;
• forecasting of best-case, expected, and delayed completion windows; and
• dependency logic that indicates which steps unlock others and in what order.

Settlio is an informational and organizational tool only. It does not provide legal representation, immigration legal advice, tax or financial advice, and it does not submit applications or forms to any authority on your behalf. See Sections 13 and 14.

After you create a free account and complete onboarding, you receive preview access. The preview lets you build your personalized plan and see the structure of your roadmap. Certain deeper features are shown in a limited or masked form until you purchase Full Access. Preview access is provided free of charge and without any payment obligation.

Full Access is a one-time purchase that unlocks the complete ordered roadmap, the best / expected / delayed forecasts, the detailed step-by-step guidance (documents, tips, official links, and the relevant authorities per step), and progress tracking. There is no subscription and no recurring charge; roadmap updates within the scope of the Service are included.

Your Full Access does not renew and is never subject to a recurring or subscription fee; it continues for as long as we provide the Service. This is what “one-time” and “permanent” access mean — not a guarantee that the Service will remain available in perpetuity regardless of whether we continue to operate it (see Section 15).

If your plan includes family relocation, an optional Family Add-on may be offered as a separate one-time line item at checkout. It unlocks the additional coordination logic for bringing a spouse and/or children (for example simultaneous or delayed family arrival). The Family Add-on is optional and is only presented where it applies to your plan.

Full Access covers the Settlio Service as described here, including updates and improvements to that Service. It does not entitle you to future standalone products, separately marketed premium offerings, or materially different new services that we may introduce later, which may be subject to a separate charge and separate terms.

The exact scope of preview versus Full Access may evolve as the Service develops; the scope applicable to you is the one available in your account.

To use the Service you must create an account and be at least 18 years old and able to enter into a binding contract. You are responsible for keeping your login credentials confidential and for all activity under your account. Please notify us promptly at support@settlio.de if you suspect any unauthorised use.

Once your relocation plan has been generated, certain core fields — your situation, visa track, target city, nationality, and housing status — are fixed, because your entire roadmap is built around them. Your dates, family details, and similar fields remain editable and recompute your plan. If a core field genuinely changes, contact us at support@settlio.de and we will help.

Full Access is granted to your account after successful payment. Access is personal to you and to your own relocation; it may not be shared, resold, or transferred.

The price of Full Access, and of the Family Add-on where applicable, is the amount shown to you at checkout before you pay. All prices are stated in the currency shown at checkout and include any applicable statutory taxes.

Payment is processed by our payment provider Stripe on a checkout page hosted by Stripe, to which you are redirected. The payment methods available to you are those shown by Stripe Checkout and may include card, Apple Pay, Google Pay, PayPal, SEPA Direct Debit, iDEAL, Bancontact, and EPS, depending on your country and device. You enter your payment details directly with Stripe; we never receive or store your full payment-instrument details. The contract for Full Access is concluded when you complete payment and Stripe confirms it.

You will receive confirmation of your purchase on a durable medium (by email) in accordance with § 312f BGB.

Instruction on withdrawal (Widerrufsbelehrung)

If you are a consumer within the meaning of § 13 BGB, you have a statutory right to withdraw from the contract as set out below.

Your statutory rights, including the right of withdrawal in Section 8 and rights in the event of defects, remain unaffected and are not limited by this Section.

Beyond your statutory rights, any voluntary refund is at our discretion. If a full refund is issued for your purchase, the corresponding Full Access is revoked and your account returns to preview access. A partial refund does not, by itself, remove your Full Access.

When using the Service you agree to:

• provide accurate information and keep your profile reasonably up to date;
• use the Service only for your own lawful relocation planning;
• keep your account credentials secure;
• not share, resell, or transfer your account or login credentials; and
• not misuse the Service — including no automated scraping, no attempt to circumvent access controls or the paywall, no reverse engineering, and no interference with the Service’s security or availability.

Settlio helps you organize, plan, and prepare your relocation, but you remain responsible for carrying it out. In particular, you are solely responsible for:

• submitting your own applications to the competent authorities;
• providing accurate, complete, and up-to-date information to those authorities;
• meeting all official requirements, conditions, and deadlines that apply to you; and
• reviewing and responding to all communications you receive from authorities.

Settlio does not perform these steps for you and does not monitor your applications or your correspondence with authorities on your behalf.

The Service, including its software, roadmap logic, forecasting models, text, design, and other content, is owned by the provider or its licensors and is protected by applicable law. Upon purchase, you receive a personal, non-exclusive, non-transferable, and non-sublicensable right to use the Service for your own relocation for the duration of your account. No other rights are granted. You may not copy, redistribute, publish, or commercially exploit the Service or its content without our prior written consent.

Settlio provides general information and workflow guidance. It does not constitute legal, immigration, tax, or financial advice, and using the Service does not create a lawyer–client or any advisory relationship. The Service does not represent you before any authority and does not replace individual advice from a qualified lawyer (Rechtsanwalt) or tax adviser, in particular for complex cases such as status changes, appeals, or rejected applications. For binding advice on your individual situation, please consult a qualified professional.

Timelines, processing windows, and embassy or authority forecasts shown in the Service are estimates based on official guidance and community reports. They are not guarantees. Actual outcomes and durations depend on your individual circumstances, document completeness, security checks, and seasonal demand, and may differ.

Government authorities, embassies, and other official bodies always make the final decisions on your applications and permits. Where official information from a competent authority differs from information in the Service, the official information prevails. We do not guarantee any particular processing time or outcome.

We aim to keep the Service available, current, and accurate, but we do not guarantee uninterrupted or error-free availability. The Service may be temporarily unavailable for scheduled or emergency maintenance, security updates, or reasons outside our reasonable control — including outages, failures, or maintenance of the third-party infrastructure and providers on which the Service depends (for example hosting, database, payment, and email providers). We are not liable for unavailability caused by such third-party or force-majeure events, subject to Sections 16 and 17.

We may add, change, or discontinue features, and we may update the underlying legal and process content to keep it accurate and current. Changes will take reasonable account of your legitimate interests. We will not materially reduce the essential functionality of features you have already purchased without a valid reason; where a change would do so more than marginally, we will where possible provide a reasonable equivalent, and your statutory rights in respect of changes to digital services (in particular under §§ 327 ff. BGB) remain unaffected.

We may also discontinue the Service as a whole. If we decide to do so, we will give registered users reasonable advance notice by email, except where immediate discontinuation is required for legal or security reasons. Where the Service is discontinued a short time after your purchase, we will treat you fairly, which may include a proportionate refund. Your mandatory statutory rights, in particular under §§ 327 ff. BGB, remain unaffected.

We are liable without limitation for damages arising from injury to life, body, or health caused by a breach of duty by us or our legal representatives or agents, for intent and gross negligence, under any guarantee we have expressly given, and under the German Product Liability Act (Produkthaftungsgesetz).

In the case of slight negligence, we are liable only for the breach of an essential contractual obligation (an obligation whose fulfillment is necessary to achieve the purpose of the contract and on whose observance you may regularly rely). In that case our liability is limited to the foreseeable damage typical for this type of contract.

Any further liability is excluded. Because the Service provides estimates and general information (Sections 13 and 14), we are in particular not liable for decisions of authorities, for processing times, or for outcomes of applications, nor for indirect or consequential loss resulting from your reliance on forecasts, to the extent permitted by the foregoing.

Neither party is liable for any delay or failure to perform its obligations (other than payment obligations already due) to the extent caused by an event beyond its reasonable control, including natural events, war, terrorism, civil unrest, labor disputes, epidemics or pandemics, failures of energy or telecommunications networks, and outages or failures of third-party infrastructure providers. During such an event the affected obligations are suspended for its duration. This clause does not exclude any liability that cannot be excluded by law, and your statutory rights — including any right to a refund where the Service cannot be provided — remain unaffected.

Your account runs for an indefinite period. You may stop using the Service and delete your account at any time from your profile page; deletion removes your profile, relocation plan, and roadmap progress as described in our Privacy Policy. Deleting your account after purchase does not, by itself, create a right to a refund beyond your statutory rights.

We may suspend or terminate your access for good cause (§ 314 BGB), in particular where there are reasonable grounds to believe that you have engaged in: fraud or payment abuse (including unjustified chargebacks); sharing, reselling, or transferring your account or login credentials; scraping or other automated data extraction; reverse engineering; automated attacks or other interference with the Service’s security or availability; or circumvention of the paywall or access controls. Where proportionate, we will give notice or an opportunity to remedy before suspending. Statutory rights of termination for both parties remain unaffected.

We may amend these Terms where there is a valid reason, for example changes in the law, in case law, or in the features of the Service. The current version is always available on this page. Changes apply to your future use of the Service and to future purchases. Access you have already purchased remains governed by the Terms you accepted at the time of that purchase. Material changes affecting registered users will be communicated by email.

These Terms and any contract concluded under them are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

If you are a consumer with your habitual residence in another country, this choice of law does not deprive you of the protection of the mandatory consumer-protection provisions of the law of your country of habitual residence (Art. 6 Rome I Regulation).

We are neither obligated nor willing to participate in dispute-resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle) within the meaning of the German Consumer Dispute Resolution Act (VSBG). You may nevertheless always contact us directly at support@settlio.de and we will try to resolve any concern.

Should any provision of these Terms be or become wholly or partly invalid or unenforceable, the validity of the remaining provisions is not affected. In place of the invalid or unenforceable provision, the applicable statutory provisions apply (§ 306 BGB).

These Terms, together with our Privacy Policy and the details of your specific order, constitute the entire agreement between you and us regarding the Service. Any individually negotiated agreement between you and us takes precedence over these Terms (§ 305b BGB). This does not limit your statutory rights.

For any question about these Terms or your contract, contact us at support@settlio.de.