Legal

AI providers

Last updated: September 11, 2026

Who your data goes to. Settl's voice, receipt-scan, and assistant features send the content you create with them to the third-party AI providers listed below, and only after you agree in-app. This is our current set. It may change as we improve the product, and this page is always kept up to date.

Settl is a voice-first expense splitter. When you tap the mic, scan a receipt, or ask the in-app assistant, some of your content is sent to commercial AI services to turn it into a structured expense. Manual entry does not require AI interpretation. If you later ask an assistant about your expenses, relevant ledger context can be included in that request. Here is exactly who processes what.

AI providers used by the current implementation

Provider	Role and data
ElevenLabs	Speech transcription: recorded audio, language hints and contextual names used to recognize the people you mention.
Cerebras	Language interpretation: transcripts, typed requests and relevant group or expense context.
Google (Gemini)	Language and vision processing, including fallback audio interpretation and receipt images, with relevant request context.
Groq	Configured transcription or language-processing routes: audio or request text and context, depending on the route.
Vercel AI Gateway	Routing for configured language requests to model providers. Receives the text and context sent through that route.

The route used for a request depends on the enabled pipeline, account configuration and fallback availability. A request does not necessarily use every provider listed. Manual entry does not require AI interpretation; an assistant request can include relevant existing expense and group context.

Audio and retained records

The app records a temporary audio file on your device to send for transcription and expense parsing, and attempts to delete that file after capture. The normal voice request is processed by our server in request memory. Transcripts and parsed results may be stored with expenses, diagnostic events and AI context. Deleting an expense hides the entry; it does not guarantee immediate erasure from diagnostics, backups or other retained records. Contact hello@settl.fyi for deletion requests.

Provider terms

Provider retention and training terms depend on the service, account settings and applicable agreements. This page describes the implemented data flow; it does not assert one universal retention period or contract for every provider. Contact hello@settl.fyi for questions about a particular request or provider.

Accuracy and liability

AI output is informational and can be wrong. Settl turns what you say or photograph into a suggested expense; you are responsible for reviewing every entry before you rely on it to settle up, pay, or take any other action. To the maximum extent permitted by law, the Services and any AI-generated output are provided "as is," and Settl is not liable for any loss or damage arising from your use of the Services or from reliance on that output. See our Terms of Service for the full terms.

Turning it off

The AI features are optional. You can run the whole app by typing expenses in by hand, and you can turn cloud AI off at any time in You → Privacy & AI. With it off, those AI features are disabled in that app installation. To stop a connected assistant accessing Settl, separately revoke its connection under You → Connected apps. For the plain-language walkthrough, see the Privacy FAQ.