<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>3
<FILENAME>d65846_ex31-2.txt
<DESCRIPTION>CERTIFICATIONS
<TEXT>

                                                                    Exhibit 31.2

          CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
            PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Patricia Giuliani-Rheaume, certify that

1. I have reviewed  this  quarterly  report on Form 10-QSB of  clickNsettle.com,
Inc. (the "Registrant");

2. Based on my knowledge, this report does not contain any untrue statement of a
material fact or omit to state a material fact  necessary to make the statements
made, in light of the  circumstances  under which such statements were made, not
misleading with respect to the period covered by this report;

3. Based  on  my  knowledge,   the  financial  statements  and  other  financial
information included in this report, fairly present in all material respects the
financial  condition,  results of operations and cash flows of the Registrant as
of, and for, the periods presented in this report;

4. The  Registrant's  other   certifying  officer  and  I  are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the Registrant and have:

a) designed such disclosure  controls and procedures,  or caused such disclosure
controls and  procedures to be designed  under our  supervision,  to ensure that
material  information  relating to the  Registrant,  including its  consolidated
subsidiaries, is made known to us by others within those entities,  particularly
during the period in which this report is being prepared;

b) evaluated  the  effectiveness  of the  Registrant's  disclosure  controls and
procedures and presented in this report our conclusions  about the effectiveness
of the disclosure  controls and procedures,  as of the end of the period covered
by this report based on such evaluation; and

c) disclosed in this report any change in the Registrant's internal control over
financial  reporting that occurred during the Registrant's  first fiscal quarter
that has materially affected,  or is reasonably likely to materially affect, the
Registrant's internal control over financial reporting; and

5. The Registrant's other certifying officer and I have disclosed,  based on our
most recent  evaluation of internal  control over  financial  reporting,  to the
Registrant's  auditors  and the audit  committee  of the  Registrant's  board of
directors (or persons performing the equivalent functions):

      (a)   All significant  deficiencies in the design or operation of internal
            control over  financial  reporting  which are  reasonably  likely to
            adversely  affect  the  Registrant's  ability  to  record,  process,
            summarize and report financial information; and

      (b)   Any fraud,  whether or not  material,  that  involves  management or
            other  employees  who have a  significant  role in the  registrant's
            internal control over financial reporting.


Date:  November 10, 2005

/s/ Patricia Giuliani-Rheaume
-----------------------------------------------
Patricia Giuliani-Rheaume -- Vice President, Chief Financial Officer and
Treasurer


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</TEXT>
</DOCUMENT>
