EXHIBIT 10.29


                    SETTLEMENT AGREEMENT AND GENERAL RELEASE


                  This SETTLEMENT AGREEMENT AND GENERAL RELEASE of claims
("Agreement") is entered into by and between Viador, Inc. (the "COMPANY"), on
the one hand, and Jonathan Harding (hereafter "INDIVIDUAL"), on the other hand.

                                    RECITALS

                  WHEREAS, INDIVIDUAL was employed by the COMPANY under an
Employment Agreement dated October 5, 2000 (the "Employment Agreement");
                                                 --------------------

                  WHEREAS, INDIVIDUAL has resigned his employment and as officer
and member of the Board of Directors of the COMPANY effective May 15, 2001( the
"Separation Date"); and
 ---------------

                  WHEREAS, the COMPANY accepts his resignation on the terms set
out in this Agreement.

                  In consideration of the mutual promises contained herein, and
for other good and sufficient consideration, receipt of which is hereby
acknowledged, the parties agree as follows:

(i)      Absent revocation under Paragraph (iii)(H) of the Agreement, the
COMPANY agrees as follows:

     (A) That it has paid  INDIVIDUAL  his current  salary and provided him with
all benefits  through but not after May 15, 2001 (the "Separation  Date"),  less
deductions  required by law. On the Separation Date, the COMPANY paid INDIVIDUAL
all unpaid salary and for the value of all unused  vacation  earned  through the
Separation Date. This amount was paid whether or not he signs this Agreement.

     (B) That it will pay INDIVIDUAL as severance his Base Salary for the period
of May 16,  2001  through,  but not  after,  August  15,  2001  (the  "Severance
Period"), less taxes and deductions required by law and payable according to the
COMPANY's normal pay schedule.

     (C) That it will reimburse  INDIVIDUAL for unremibursed  business  expenses
submitted before June 1, 2001 according to COMPANY polices and practices.

     (D) That it will provide  continued health  insurance  benefits through the
end of the month in which  INDIVIDUAL's  termination of employment is effective,
as well as reimbursement  from the COMPANY for INDIVIDUAL to continue his health
insurance  benefits  pursuant to COBRA for the earlier of three calendar  months
thereafter,  or the date INDIVIDUAL is eligible for health insurance benefits in
connection  with  commencing  employment or otherwise  (regardless of whether he
elects for such coverage or the terms or scope of such coverage).


                                       1


<PAGE>



(ii)     INDIVIDUAL agrees as follows:

     (A) That his employment with the COMPANY terminates effective May 15, 2001.
That, as of the date hereof,  INDIVIDUAL was paid for any unused  vacation,  all
unpaid  salary,  commissions  and  severance,  and all other wages earned by him
through the Separation  Date, other than as specified in paragraphs (i) B and C.
He further  understands  that all of his  employment  benefits  from the COMPANY
ceased upon the Resignation Date.

     (B) During the Severance Period, INDIVIDUAL will provide all consulting and
transition  services to the COMPANY as request by the COMPANY solely in exchange
for the COMPANY,  subject to approval of the Board of Directors,  granting him a
nonqualified  incentive stock option to buy 100,000 option shares of the COMPANY
(the  "Option") at the fair market value which equals the closing  selling price
as reported by the National Association of Securities Dealers on the date of the
grant,  pursuant to the COMPANY'S "1999 Stock  Option/Stock  Issuance Plan" (the
"Plan").  The "Vesting  Commencement Date" will be May 15, 2001 and one-third of
those shares will vest monthly thereafter. INDIVIDUAL may exercise Option shares
at the per share  exercise  price  through,  but not  after,  August  15,  2001,
provided that he does so in accordance with all of the terms of the Plan and the
Stock  Purchase  Agreement.  His interest in all unvested  shares and not timely
purchased vested shares will lapse and forever  terminate.  Any timely purchased
vested  option shares will be held based on all of the terms of the Plan and the
Option.  All capitalized  terms not specially  defined in the paragraph have the
meaning given in the "Notice of Grant of Stock Option" and/or the Plan.  Nothing
in this paragraph confers any rights greater or different than those given under
the Option and the Plan.

     (C) That he hereby fully and forever  releases,  discharges,  and covenants
not to sue or  otherwise  institute  or  cause  to be  instituted  or in any way
actively  participate  in  (except  at the  request  of  COMPANY)  any  legal or
administrative   proceedings   against  the  COMPANY,   and  its   predecessors,
successors,   subsidiaries,   and   current   and  past   officers,   employees,
representatives  and  shareholders   (hereafter   collectively  referred  to  as
"RELEASEES"), with respect to any matter, including, without limitation, any act
or omission arising out of INDIVIDUAL's  relationship  with RELEASEES -- whether
that  relationship  is  employment  or otherwise -- or the  termination  of that
relationship,  and all terms and benefits of that relationship  through the date
of execution  of this  Agreement,  including  any and all  liabilities,  claims,
demands,  contracts,  debts, obligations,  and causes of action of every nature,
kind, and description, in law, equity, or otherwise, whether or not now known or
ascertained, which heretofore do or may exist.


     (D)  INDIVIDUAL  understands  and  agrees  that,  in  consideration  of the
foregoing, he is waiving any rights he may have had or now has to pursue any and
all  remedies  available  to him  under any  employment-related  cause of action
against  RELEASEES,  including  without  limitation,  claims  arising  under the
Employment  Agreement  and claims of  wrongful  discharge,  emotional  distress,
defamation,  breach of  contract,  breach of the covenant of good faith and fair
dealing,  the Employee  Retirement  Income  Security Act, and any other laws and
regulations   relating  to  employment.   INDIVIDUAL  further  acknowledges  and
expressly  agrees  that he is waiving  any and all rights he may have had or now
has to pursue any claim of  discrimination  including,  but not  limited to, any
claim of  discrimination  based on age, race,  national  origin,  sex, or on any
other  basis,  under Title VII of the Civil Rights Act of 1964,  as amended,  as
well as his rights under the Equal Pay Act of 1963,  the Age  Discrimination  in
Employment  Act of 1967,  the Civil  Rights Act of 1866,  and any other laws and
regulations relating to employment.


                                       2

<PAGE>


     (E) INDIVIDUAL  understands  that this Release of Claims  extinguishes  all
claims, whether known to him or not. California Civil Code section 1542 provides
that  unless he  specifically  agrees to release  claims he does not know about,
they will not be released by the release provisions in Sections (ii)(C),  (D) or
(E) of this Agreement.  Section 1542 states:  "A general release does not extend
to claims  which the  creditor  does not know or expect to exist in his favor at
the time of executing  the release,  which if known by him must have  materially
affected this settlement with the debtor." INDIVIDUAL agrees to waive his rights
under section 1542;  affirms his intention to release claims that are both known
and unknown to him,  and he hereby  releases  RELEASEES  from all such known and
unknown claims.

     (F) At all times after the date of execution of this Agreement,  INDIVIDUAL
will not, directly or indirectly, disparage or negatively portray the COMPANY or
one or more of its current or past officers, directors or employees.

     (G) At all time  before  and after the  effective  date of this  Agreement,
Employee has complied, and will comply, with all of the terms of his Proprietary
Information  and Inventions  Agreements  signed by him, which is attached hereto
and made a part of this Agreement.  The Employment  Agreement and all rights and
obligations thereunder is terminated and forever cancelled.

     (H) That on or before May 15, 2001,  INDIVIDUAL has returned to the COMPANY
all papers,  files and other  documents  and property of the COMPANY,  excepting
only (i) his personal copies of records relating to his  compensation;  and (ii)
his copy of this Agreement.

     (I)  INDIVIDUAL  understands  that his  compliance  with  Sections  (ii)(F)
through (H) is a material  reason for the COMPANY  entering into this Agreement.
INDIVIDUAL  further  agrees that any  comments or actions by him not  conforming
with Section  (ii)(F),  (G) and/or (H) of the Agreement  shall cause the COMPANY
and/or other aggrieved  party  immediate and irreparable  harm and entitle it or
him to injunctive  relief  without a posting or  undertaking,  as well as to any
other remedies for damages or otherwise.

     (J) At the time of termination,  he will be vested in 141,495 option shares
of the COMPANY and holds those options  subject to all the terms of the Plan and
option  grant.  INDIVIDUAL  may exercise  those vested  option shares at the per
share exercise price through,  but not after,  August 15, 2001, provided that he
does so in accordance  with all of the terms of the Plan and the Stock  Purchase
Agreement.  His interest in all unvested shares and not timely  purchased vested
shares will lapse and forever  terminate.  Any timely  purchased  vested  option
shares  will be held  based on all of the  terms  of the  Plan  and the  Option.
Nothing in this  paragraph  confers any rights  greater or different  than those
given under the option and the Plan. INDIVIDUAL shall have no equity interest in


                                       3


<PAGE>

the COMPANY, other than as expressly stated in paragraphs (ii)(B) and (J).

     (K) That  the  COMPANY  may  reduce  any  payment(s)  due to me under  this
Agreement  to account for any  unsatisfied  obligations  which I may have to the
COMPANY as determined at the discretion of the COMPANY.

(iii) The COMPANY and INDIVIDUAL, for himself, his heirs, executors,
administrators, assigns, and successors, jointly agree as follows:

     (A) That nothing contained in this Agreement shall constitute or be treated
as an  admission  by the  COMPANY of  liability,  of any  wrongdoing,  or of any
violation of law;

     (B) That if any provision of this  Agreement is found to be  unenforceable,
it shall not affect the enforceability of the remaining provisions and the court
shall enforce all remaining provisions to the extent permitted by law;

     (C)  That  except  as  expressly  provided  herein,  this  Agreement  shall
supersede  and render  null and void any and all prior  agreements  between  the
parties;

     (D) This  Agreement  shall be deemed to have been entered into in the State
of California and shall be construed and interpreted in accordance with the laws
of that state;

     (E) That each party to this  Agreement  hereby  agrees to accept and assume
the risk that any fact with respect to any matter  covered by this Agreement may
hereafter  be found  to be  other  than or  different  from  the  facts he or it
believes  at the  time of this  Agreement  to be  true,  and  agrees  that  this
Agreement shall be and will remain effective notwithstanding any such difference
in fact;

     (F) This Agreement shall bind and benefit  INDIVIDUAL's  heirs,  executors,
administrators, and each of them; and COMPANY and its successors and assigns;

     (G) This Agreement represents the entire agreement between the parties with
respect to the  subject  matter  thereof and  supersedes  all  previous  oral or
written  agreements or understandings  with respect to such subject matter.  The
Employment Agreement will not survive the signing of this Agreement.

     (H) INDIVIDUAL may have, and has had, at least  twenty-one  (21) days after
receipt of this Agreement within which he may review and consider,  discuss with
an  attorney  of his own  choosing,  and decide to execute or not  execute  this
Agreement;

     (1)  INDIVIDUAL  has seven (7) days after the  execution of this  Agreement
within which he may revoke it;

     (2)                                    In order to revoke this Agreement,
                                            INDIVIDUAL must deliver to the
                                            COMPANY's Chief Financial Officer on
                                            or before seven (7) days after the
                                            execution of this Agreement, a
                                            letter stating that he is revoking
                                            it, and

     (3) That this Agreement  shall not become  effective or  enforceable  until
after the  expiration of seven (7) days following the date  INDIVIDUAL  executes
this Agreement; and

     (4) INDIVIDUAL  hereby  acknowledges  that he has read and  understands the
foregoing  Agreement and that he affixes his signature  hereto  voluntarily  and
without  coercion.  INDIVIDUAL  further  acknowledges  that he has had at  least
twenty-one (21) days within which to consider this  Agreement,  that he has been
provided  an  opportunity  to  consult  with an  attorney  of his  own  choosing
concerning the waivers  contained in and the terms of this  Agreement,  and that
the  waivers  he  has  made  herein  are  knowing,   conscious,  and  with  full
appreciation  that he is forever  foreclosed  from pursuing any of the rights so
waived

(I) In the event INDIVIDUAL effectively revokes the Agreement, he understands
that his employment will be terminated under paragraph 6(b)(v) and (vi) of the
Employment Agreement.

                  Executed this              day of May, 2001.
                                ------------



                                   INDIVIDUAL


AGREED TO AND ACKNOWLEDGED:

VIADOR, INC.



By:
         --------------------------------------------

Its:
         --------------------------------------------

Dated:
         ---------------------------