Do I have to use (obligated to use) Houzeo's Settlement agent
No, you are not obligated to use a settlement agent assigned by Houzeo, during your listing process Houzeo suggests a settlement agent that we have partnered with. You also have the option to choose your settlement agent and invite them to Houzeo to help you with the closing process.
You may refer to
this article for more information on how to add your settlement agent to your Houzeo Dashboard.