Can I get a refund from Settlemate?

Not directly from Settlemate in most cases. Its refund policy states it does not process or control refunds for purchases made through the Apple App Store or Google Play, those decisions sit with the store. Practically: email support@settlemate.io first with your order ID and the reason, ask them to confirm in writing that they consent to the store refunding you, then file the store request (Apple: reportaproblem.apple.com). Reviewers report Apple denying requests more than once, so if the store refuses, a card-issuer dispute is the next lever. Keep every reply.

Does Settlemate have a free trial?

Settlemate's own pages don't advertise a trial, the app is free to download with in-app purchases, and several reviewers say they had to subscribe before they could see which settlements they qualified for. Its terms do reference free trials and free-to-pay conversions being governed by Apple's and Google's policies, so a trial may be offered in some store promotions. If you're shown one, check the exact renewal date in your store subscription screen the moment you accept it, and cancel at least 24 hours before that date to avoid the first charge.

Does Settlemate charge a cancellation fee?

No. No cancellation fee appears anywhere in Settlemate's pricing page, terms or store listings, the pricing page markets "Cancel anytime" on both plans. The cost of cancelling late is simply the next renewal: the store listing says auto-renew must be switched off at least 24 hours before the period ends, and that an active subscription cannot be cancelled mid-period. So a badly timed cancellation costs you a full month or a full year at $34.99, not a fee. Separately, Settlemate may charge a success-based fee on some recovered price-adjustment refunds.

Will I lose access to my claims if I cancel Settlemate?

Your filed claims aren't Settlemate's to take away, once a claim is submitted, the settlement administrator holds it and pays you directly by check, direct deposit or whatever method that settlement specifies, regardless of your subscription. What you lose is Settlemate's tracking, alerts and receipt scanning. Note that access is supposed to continue to the end of your paid term: one reviewer reported being locked out immediately after cancelling despite a term running months longer. If that happens, screenshot it and demand either restored access or a refund of the unused portion.

How do I delete my Settlemate account?

Deleting the account is separate from cancelling billing, cancel in the App Store or Play Store first, or deletion won't stop the charge. At least one reviewer reported the delete option sitting behind the paywall, so if you can't reach it, email support@settlemate.io from your account address with the subject "Account deletion request" and ask for confirmation the account and any scanned inbox data are erased. The privacy policy lists support@settlemate.io as the contact for privacy questions and complaints and sets out state-specific rights for US residents.

Does Settlemate work outside the US?

Barely. The terms say the Services are intended primarily for users located in the United States, and a UK reviewer described paying for the subscription, then having their UK address rejected because a US one was required. Settlemate's own reply confirmed most class action options are currently limited to the US. If you subscribed from outside the US and can't use the core feature, that's a not-as-described argument: say exactly that in your email to support@settlemate.io and in your store refund request rather than describing it as dissatisfaction.

Is the Settlemate money-back guarantee real?

It's real, but it isn't money. The published refund policy states the Value Guarantee is not a money-back guarantee, cash refund, reimbursement or statement credit, the remedy is a further period of Settlemate access at no cost. Qualifying requires completing a full paid year, keeping a connected account active, engaging with what the app surfaces, staying below your value target, and requesting it within 30 days of the qualifying period ending. You email support@settlemate.io with the subject line "Value Guarantee Request"; they acknowledge within two business days and usually decide within 10.

What if Settlemate ignores my cancellation or refund email?

Cancellation doesn't depend on them replying, the store controls billing, so once you've cancelled in App Store or Play settings, screenshot the "expires on" date as proof. For refunds, silence is common: Trustpilot reviewers say the support email never responds, and a Play reviewer only got an answer on the second attempt. Resend citing their published 24-hour response promise, set a 5-business-day deadline, then escalate to the store's refund appeal and your card issuer. There is no published phone number or alternative mailbox to try.

REFUND GUIDE

How to Get a Settlemate: Claim Savings Refund.

Here's what Settlemate: Claim Savings actually owes you, what their policy quietly says, and how to escalate if they ignore the request.

Last verified 5 days ago against Settlemate: Claim Savings’s own Terms · UK, US, and EU rights covered below

The short answer

Settlemate's subscription (monthly or annual, bought as an in-app purchase) is the only thing you pay Settlemate for, the class action claims it surfaces are free to file, and it charges no fee for those. Because the subscription is billed by Apple or Google, Settlemate publishes no cash-refund window of its own and routes refund decisions to the store; you email support@settlemate.io first and they explain the store steps. The advertised "Value Guarantee" is not a cash refund at all: if you complete a full paid year, keep a connected account, engage with surfaced opportunities and recover less than you paid, the remedy is additional complimentary access, requested within 30 days of the qualifying period ending by emailing support@settlemate.io with the subject line "Value Guarantee Request". Any separate success-based fee Settlemate charges on recovered price-adjustment refunds is a different charge and is not covered by the Value Guarantee.

Or let yoink chase the refund.

30 seconds to set up. yoink emails Settlemate: Claim Savings, cites the policy, escalates if ignored, and surfaces the win when the money lands.

Get yoink (App Store) →

What Settlemate: Claim Savings actually says

“Settlemate does not process or control refunds for purchases made through the Apple App Store or Google Play.”
, verbatim from Settlemate: Claim Savings’s terms

Pro-rata refund: noStatutory cooling-off: 14 days in UK + EU on new subs

How long does a Settlemate: Claim Savings refund take?

Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.

What you can claim

The law where you live is the strongest hook, lead with it when you contact the company.

United States

Fair Credit Billing Act (FCBA)
Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a Settlemate: Claim Savings charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.
California ARL refund right
Refund if cancel was blocked or unclear.
If Settlemate: Claim Savings made it hard to cancel under California ARL, you’re entitled to a refund of charges taken since the obstruction. Multiple class actions (including against Adobe + Hulu) have set the precedent.

Worldwide

Card-issuer chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, Settlemate: Claim Savings has ~45 days to defend. Works regardless of where Settlemate: Claim Savings is headquartered.
PayPal Buyer Protection
If you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.

Rights in other regions (United Kingdom, European Union)

United Kingdom

Consumer Contracts Regulations 2013
Full refund within the 14-day window.
Inside 14 days of starting any Settlemate: Claim Savings subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
Citizens Advice + Trading Standards
For repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail Settlemate: Claim Savings can’t ignore.

European Union

Consumer Rights Directive 2011/83/EU
14-day withdrawal across all EU member states.
EU-wide statutory right to withdraw and recover any payment within 14 days of subscription start. Mirrored in local law in every EU country.
ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If Settlemate: Claim Savings is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.

The 4-step refund email

Email the right address
Use support@settlemate.io, the route yoink has verified actually gets read for Settlemate: Claim Savings.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi Settlemate: Claim Savings team,

I'm requesting a refund of the recent charge on my subscription, account [your account email].

Under the FTC's Click-to-Cancel rule, cancellation must be available through a channel as simple as the one I signed up through. Please confirm by reply that the refund will be processed to my original payment method.

Best,
[your name]

Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.

Refund FAQ for Settlemate: Claim Savings

You cancel it where you bought it, not in the app. Settlemate sells its subscription exclusively as an in-app purchase, so on iPhone open **Settings → your name → Subscriptions → Settlemate → Cancel Subscription** (or go to [apps.apple.com/account/subscriptions](https://apps.apple.com/account/subscriptions)); on Android open **Play Store → profile → Payments & subscriptions → Subscriptions → Settlemate → Cancel**. There is no cancel button on settlemate.io and no phone line. Do it at least 24 hours before the renewal date, or the next period bills anyway. Email support@settlemate.io afterwards if you also want a refund reviewed.