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Hairline cracks in concrete are often shrinkage cracks and not a concern from a structural viewpoint. If no reinforcing was used in the concrete and/or insufficiernt ground prep was performed before pouring, it could get worse and need attemntion but nine time out of ten, it is nothing to worry about.
The wood showing gaps inside is less likely from 'settleing' that it is from the wood framing members drying and shrinking. Frame lumber is kiln dried to 19% surface moisture but may get rained on during construction. Paint and SR mud add a lot of moisture to a house during construction too. Then comes the dry winter months and the wood shrinks up. some modest gaps appear.
Only if it keeps getting worse, should you be concerned and pursue it. A little caulk and paint will fix it up once it stops shrinking, usually after one thermal cycle