Terms of Use
Last updated: November 6, 2026
These Terms of Use apply to topsettlementpros.com (the "Site") and our calls and messages, operated by STC Holding Group LLC, doing business as Top Settlement Pros ("we," "us"). By using the Site or submitting our form, you agree to these Terms and our Privacy Policy. Please read section 14 carefully: it requires most disputes to be resolved by individual arbitration and waives class actions.
1. What we do
Top Settlement Pros is a free service. We speak with people who have been in accidents and, if you agree, connect you with an independent law firm or legal service provider. We are not a law firm, do not give legal advice, and do not recommend or endorse any lawyer. We may be paid by the providers we connect you with. Any provider is independent of us and responsible for its own services.
2. No attorney-client relationship
Using the Site or speaking with us does not create an attorney-client relationship with us or any law firm. That relationship begins only if you and a law firm sign an agreement.
3. No guarantees
We do not guarantee that you have a claim, that any provider will take your case, or any result.
4. Your information and consent
The Site and our services are intended only for adults 18 and older. Do not use the Site if you are under 18. If a child was injured, a parent or legal guardian should use the Site on the child's behalf, using the parent's or guardian's own contact information. You confirm that the information you give us is true and your own, that you are at least 18, and that you are the user of the phone number you provide. You agree to be contacted as described in the consent statement on our form. We share your information with a provider only if you agree on our call.
5. Call recording
Calls with us are recorded for quality and to keep a record of your choices. We tell you at the start of each call.
6. Text messages
If you agree, we may text you about your request, for example to schedule or follow up on your call. Message frequency varies. Message and data rates may apply. Reply STOP to stop and HELP for help, or email info@topsettlementpros.com. Carriers are not liable for delayed or undelivered messages.
7. Acceptable use
Do not submit false information, information about someone else without their permission, or automated submissions, and do not interfere with the Site.
8. Indemnification
You agree to defend and hold us harmless from claims, losses and costs (including reasonable attorneys' fees) that arise from information you submit that is false or not yours, or from your violation of these Terms.
9. Intellectual property and copyright notices
The Site's content, name and design belong to us or our licensors and may not be copied without permission. If you believe content on the Site infringes your copyright, send a notice to info@topsettlementpros.com describing the work, where it appears on the Site, and your contact details.
10. Links to other sites
The Site may link to other websites, including those of law firms or service providers. We do not control them and are not responsible for their content or privacy practices.
11. Disclaimer
The Site and its content are provided "as is," for general information only, without warranties of any kind.
12. Limitation of liability
To the fullest extent allowed by law, we are not liable for indirect, incidental or consequential damages arising from your use of the Site or from services provided by anyone you connect with through us.
13. Governing law
These Terms are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-law rules.
14. Dispute resolution, arbitration and class-action waiver
- Try to resolve it first. Before starting a claim, contact us at info@topsettlementpros.com describing the dispute. We'll both try to resolve it informally for 30 days.
- Individual arbitration. If it isn't resolved, you and we agree that any dispute arising from the Site, our calls or messages, or these Terms, including claims about calls or texts, will be resolved by binding individual arbitration administered by the American Arbitration Association under its consumer rules, in Kent County, Delaware or by video. Either party may instead bring an individual claim in small claims court.
- No class actions. Claims may be brought only individually, not as a plaintiff or class member in any class, collective or representative proceeding, and an arbitrator may not combine claims of different people.
- Exceptions. Either party may seek a court order to stop misuse of intellectual property.
15. General terms
- Severability: if any part of these Terms is found unenforceable, the rest remains in effect.
- Entire agreement: these Terms and our Privacy Policy are the full agreement between you and us about the Site.
- No waiver: our not enforcing a term is not a waiver of our right to enforce it later.
- Assignment: you may not transfer your rights under these Terms; we may transfer ours, including in a merger or sale of our business.
16. Changes
We may update these Terms. The "Last updated" date shows when they last changed. Continued use of the Site after changes means you accept the updated Terms.
17. Contact us
STC Holding Group LLC, 8 The Green, Dover, Delaware 19901
Email: info@topsettlementpros.com