Terms of Service

1. Acceptance

These Terms govern your access to and use of the Services. By using the Platform or registering an account, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy.

SwiftFi is a technology company, not a bank. Accounts are not insured against loss. If a Partner provides a specific policy for a service, that policy applies to that service.

2. Services and Partners

Services include the Platform, Partner Services, and related software, content, and features we make available. Some regulated services are delivered by Partners and may require separate acceptance of Partner terms and verification.

We may modify, suspend, or discontinue any Service at any time.

3. Eligibility and Registration

To use the Services, you must:

• Be at least 18 years old (or the legal age in your country)
• Have legal capacity to enter a binding contract
• Provide accurate and current information
• Not be in a restricted or sanctioned jurisdiction
• Not appear on denied persons lists

We may refuse, suspend, or close an account at our discretion. You may only maintain one account at a time.

4. KYC, AML, and Compliance

Access to Services may require identity verification and ongoing screening (KYC/AML) under applicable laws and Partner policies. You agree to provide requested information and documentation.

Failure to provide required information may result in limited access, suspension, or termination.

5. Account Security

You are responsible for protecting your credentials and for all activity on your account. Notify us immediately of unauthorized access at support@swiftfi.com.

6. Fees and Charges

Fees are displayed on the Platform and before you confirm a transaction. Fees may include transfer fees, network fees, third-party fees, or conversion spreads where applicable.

Partners may assess additional fees under their own terms.

7. Virtual Assets and Custody

When you transfer Virtual Assets or fiat into SwiftFi, the transfer is treated as a sale of Virtual Assets to SwiftFi. You no longer own the Virtual Assets after sale. SwiftFi records a USD-denominated ledger entry at the prevailing market rate for settlement purposes; it is not a deposit or stored-value account.

• Acceptable tokens currently include USDC and USDT
• Acceptable tokens may change without notice
• Transfers may be delayed or declined for compliance

Custody and settlement services may be provided by Partners or custodians. SwiftFi may instruct custodians to freeze, convert, or transfer assets for settlement or compliance.

8. Transaction Timing

Transfer times vary by payment method, jurisdiction, compliance checks, and Partner processing. Timing is not guaranteed.

9. Prohibited Activities

You agree not to use the Services for illegal activities.

• Money laundering or terrorist financing
• Fraud, theft, or other criminal activity
• Sanctions or export control violations
• Uploading malicious software or abusive content
• Providing false or misleading information

10. Third-Party Services and Data

Some services are provided by third parties. We do not control or assume responsibility for third-party performance, and those services are governed by their own terms.

11. Suspension and Termination

We may suspend or terminate your account for violations of these Terms, compliance requirements, or risk management reasons. We may restrict or delay withdrawals to complete required checks.

12. Intellectual Property

All trademarks, logos, and content on the Platform are owned by SwiftFi or licensors. You may not copy, modify, distribute, or reverse engineer any part of the Platform without permission.

13. Disclaimers and Risk

The Services are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted access or error-free operation.

Virtual assets are volatile and involve risk. You are solely responsible for assessing whether the Services are appropriate for you.

14. Limitation of Liability

To the fullest extent permitted by law, SwiftFi is not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or business opportunities.

15. Indemnification

You agree to indemnify and hold SwiftFi harmless from claims, damages, or expenses arising from your use of the Services or violation of these Terms.

16. Governing Law

These Terms are governed by the laws of Florida, USA. Any disputes will be resolved in the courts of Florida unless otherwise required by applicable law.

17. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Platform. Continued use of the Services constitutes acceptance.

18. Contact

If you have questions, contact support@swiftfi.com.