Exhibit 99.4


       Certification of Chief Financial Officer of clickNsettle.com, Inc.


This certification is provided pursuant to Section 906 of the Sarbanes-Oxley Act
of 2002, 18 U.S.C. 1350, and accompanies the annual report on Form 10-KSB (the
"Form 10-KSB") for the year ended June 30, 2002 of clickNsettle.com, Inc. (the
"Issuer").

I, Patricia Giuliani-Rheaume, the Chief Financial Officer of Issuer, certify
that to the best of my knowledge:

      (i)   the Form 10-KSB fully complies with the requirements of Section
            13(a) or Section 15(d) of the Securities Exchange Act of 1934 (15
            U.S.C 78m(a) or 78o(d)); and

      (ii)  the information contained in the Form 10-KSB fairly presents, in all
            material respects, the financial condition and results of operations
            of the Issuer.


Dated:  September 24, 2002

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