Terms & privacy
1. Who we are, and how these terms apply
settled.wtf is operated by PaperCloud Studios, an Australian business. These terms and the Rules together form the agreement between you and us, and you accept them when you pay. Do not pay if you do not accept them.
These terms are governed by the law of New South Wales, Australia.
2. The service
settled sells a display state. Your payment is added to one side of one argument and, while that side holds the higher cumulative total, its verdict is displayed on the site. The service is fully delivered the moment that display happens. Another person spending more than you is a disclosed and intended feature of the service and may happen at any time.
3. Nothing is won, held or owed
There are no payouts, prizes, winnings or cash value of any kind. Payments are not deposits, wagers, stakes, bets or investments, we do not hold funds on your behalf, and no outcome on this site causes anybody to be paid anything. Being displayed confers no ownership of, or rights in, an argument, a verdict or a position.
4. Refunds
You are buying something delivered immediately and in full, so being overtaken later is not a fault in what you bought and is not a reason for a refund. Rewording an argument is not a refund event either.
If we retire an argument outright, any payment made to it in the previous 24 hours is refunded. If we decline a statement you bought, that is refunded in full. And if you ask for a refund shortly after paying, you will simply get one: the amounts here are small and we would rather refund you than argue.
Nothing in these terms limits rights you have under the Australian Consumer Law that cannot lawfully be excluded. If we fail to deliver what is described here, contact us.
5. The arguments, and what you can submit
Most arguments on this site are written by us. You can also buy a statement for review, and you can put an optional display name on a payment. Those are the only two things a member of the public can submit.
A bought statement buys a human read, not a listing. Nothing you submit appears anywhere until a person has approved it, and we may decline anything for any reason. A declined statement is refunded in full. A display name appears publicly next to your payment and we may remove one without removing the payment.
We may add, reword, retire or remove any argument. If we retire an argument, any payment made to it in the previous 24 hours is refunded, because you should not lose both the display you paid for and your money.
6. When a payment counts
A total changes only when our payment provider confirms the payment, not when a button is pressed. Where two payments confirm close together, both are counted in the order the provider confirms them, and both remain on their side permanently. Because nothing is exclusive here, no payment can be displaced or wasted by another.
7. No affiliation, and not advice
A displayed verdict means only that more money has been spent on one side than the other. It is not a fact, a survey, a consensus, professional advice, or a statement about any person, brand or organisation, and it should not be relied on for anything.
8. Data and privacy
There are no accounts and no passwords. Payment is handled entirely by Stripe, who collect your card details under their own privacy policy. We never see your card details.
What we store. For each payment: the amount, which side, the time, the payment reference from our provider, and the display name you chose, if any. A display name is optional, is shown publicly, and is the only thing about you that appears on the site.
Your email address. Stripe collects it to send your receipt, and we keep it to do one thing: tell you when somebody spends more than you on an argument you paid to settle. That is the only message we send. There is no newsletter, no marketing, and your address is never sold, shared or passed to anybody else. Every message carries a one-click link that stops them permanently, and you can use it without affecting anything you have paid for.
Traffic. We count pageviews as a path and a date, and publish the totals at /analytics. There are no cookies and no third-party analytics, and nothing we record about traffic can be traced back to a person or to a payment.
What your browser stores. Two things, both in your own browser and neither a cookie. A random tab identifier, held only until you close the tab, used to count how many people are on the site at once and discarded within a minute of you leaving. And the display name you last typed, kept so you do not retype it, which you can clear by clearing your browser data. Neither is linked to your payments or your email address, and neither leaves your device except as an anonymous count.
To have your email address and any display name removed, write to us and say so.
9. Liability
Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded. Where we are permitted to limit our liability for a failure to comply with a consumer guarantee, our liability is limited to resupplying the service or refunding what you paid for it, at our option.
Otherwise, and to the extent the law allows: the site is provided as it is, we do not promise it will be available or uninterrupted, and we are not liable for indirect or consequential loss, lost profits, or loss arising from anything you or anybody else does in reliance on a verdict. Our total liability to you for anything connected with this site is limited to the amount you have paid us in the previous twelve months.
If you submit a statement or a display name, you are responsible for it. You promise it is yours to submit and that it does not defame anybody, infringe anybody\u2019s rights, or break the law, and you agree to cover us for any claim arising from something you submitted.
10. Contact
Refunds, takedowns, corrections, or anything else. This reaches us directly.