Terms and Conditions

Last updated: January 12, 2026

Please read these Terms and Conditions (“Terms”) carefully before accessing, browsing, or using Our Service. These Terms constitute a legally binding agreement between You and the Company, outlining the rules, rights, responsibilities, and limitations that govern Your interaction with the Service. By engaging with the Service in any manner—whether creating an Account, posting content, or simply viewing pages—You acknowledge that You have read, understood, and agree to be bound by these Terms in their entirety. If You do not agree with any provision herein, You must immediately cease all use of the Service.

These Terms incorporate by reference Our Privacy Policy, which details how We collect, use, and protect Your personal information. We encourage You to review both documents periodically, as they may be updated from time to time. Your continued use of the Service following any updates signifies Your acceptance of the revised Terms.

For clarity, these Terms apply to all users, including but not limited to visitors, registered members, and commercial entities accessing the Service on behalf of others. We reserve the right to modify, suspend, or terminate access at Our discretion, subject to the provisions below.

Interpretation and Definitions

Interpretation

The words and phrases whose initial letters are capitalized throughout these Terms have specific meanings as defined in the following section. These definitions apply consistently whether the terms are used in singular or plural form, ensuring uniformity and precision in interpretation. In the event of any ambiguity, the definitions provided herein shall prevail, and interpretations shall align with the overall intent of these Terms, applicable UK law, and principles of commercial reasonableness. Where necessary, terms may be construed in light of relevant statutes, such as the Contracts (Rights of Third Parties) Act 1999 or the Unfair Contract Terms Act 1977.

Definitions

For the purposes of these Terms and Conditions, the following terms shall have the meanings ascribed to them:

Affiliate means any entity, corporation, partnership, or other legal body that directly or indirectly controls, is controlled by, or is under common control with a party to these Terms. “Control” is established through ownership of 50% or more of the shares, equity interests, voting rights, or other securities entitled to elect directors, managers, or equivalent governing authorities. This includes parent companies, subsidiaries, sister entities, and joint ventures under shared ownership.
Country refers to: United Kingdom, the jurisdiction in which the Company is incorporated and primarily operates, subject to the laws of England and Wales as specified herein.
Company (referred to interchangeably as “the Company”, “We”, “Us”, or “Our” in these Terms) refers to Swip crypto LTD, a private limited company registered in England and Wales under company number [Company Number], with its registered office at [Registered Address], London, United Kingdom.
Device means any electronic hardware or apparatus capable of connecting to the internet and accessing the Service, including but not limited to desktop computers, laptops, smartphones, cellular phones, digital tablets, smartwatches, connected TVs, or other internet-enabled devices.
Service refers to the Website, including all its features, functionalities, content, applications, tools, and any associated mobile or web-based services provided by the Company, whether accessed via browser, app, or API.
Terms and Conditions (also referred to as “Terms”) mean these comprehensive Terms and Conditions, which, together with any incorporated policies (e.g., Privacy Policy, Acceptable Use Policy), form the entire binding agreement between You and the Company regarding Your use of the Service.
Third-party Social Media Service means any external platform, application, or content provider (e.g., Twitter/X, Facebook, Instagram, LinkedIn) that integrates with or is linked from the Service, including any data, information, products, services, or features made available through such integrations, such as social sharing buttons, login options, or embedded feeds.
Website refers to Swip crypto, accessible from https://swipcrypto.com, encompassing all subdomains, pages, resources, and linked content hosted or controlled by the Company.
You means the individual user, visitor, or end-user accessing or utilizing the Service, or the corporate, organizational, or legal entity (including its employees, agents, or representatives) on whose behalf such access or use occurs, as applicable.
User Content means any text, images, videos, audio, data, or other materials uploaded, posted, shared, or transmitted by You via the Service, including comments, profiles, reviews, or submissions.
Account means a unique user profile created by You to access personalized features of the Service, governed by login credentials and subject to verification.

Acknowledgment

These Terms represent the full and exclusive agreement between You and the Company concerning Your access to and use of the Service, superseding any prior understandings, whether oral or written. They delineate the mutual rights, obligations, and expectations of all parties involved, promoting a fair, transparent, and secure environment for interaction.

Your ability to access, browse, or utilize the Service—whether as a guest, registered user, or commercial entity—is expressly conditioned upon Your full acceptance of and ongoing compliance with these Terms. These provisions extend to all individuals or entities who visit, interact with, or derive benefit from the Service, regardless of registration status.

By taking any action that constitutes use of the Service (e.g., loading a page, submitting a form, or creating an Account), You affirmatively agree to be legally bound by these Terms. Should You find any aspect unacceptable—whether related to content restrictions, liability limits, or dispute mechanisms—You are required to discontinue all access immediately and without delay.

Furthermore, You represent and warrant that:

You are at least 18 years of age or the age of majority in Your jurisdiction, whichever is higher, and possess the full legal capacity to enter into these Terms.
The Company does not knowingly permit or facilitate use by minors under 18; any such access discovered will result in immediate termination and reporting as required by law (e.g., under the Children’s Online Privacy Protection Act equivalents).
You will not use the Service on behalf of or for the benefit of any prohibited person or entity, as defined under applicable sanctions.

Your access and use are also governed by Our Privacy Policy, which complements these Terms by addressing data handling practices. We urge You to review the Privacy Policy thoroughly prior to engagement, as violations thereof may independently trigger enforcement actions under these Terms.

User Conduct and Acceptable Use

To maintain a safe and respectful community, You agree to adhere to the following standards of conduct while using the Service:

Prohibited Activities: You shall not engage in any activity that disrupts, damages, or interferes with the Service, including but not limited to hacking, distributing malware, spamming, or unauthorized scraping of content.
Content Responsibilities: All User Content must be original, lawful, and non-infringing. You retain ownership but grant Us a perpetual, royalty-free license to host, display, and modify it as needed for Service operation.
Commercial Use: Non-commercial use is permitted; commercial exploitation requires prior written consent from the Company.
Compliance with Laws: Your use must comply with all applicable local, national, and international laws, including those on intellectual property, data protection, and export controls.

Violations may result in warnings, content removal, Account suspension, or permanent bans, at Our sole discretion.

Intellectual Property Rights

The Service and all associated materials (e.g., text, graphics, logos, software) are owned by the Company, its Affiliates, or licensors, protected under UK and international copyright, trademark, and patent laws. You are granted a limited, revocable, non-exclusive license to access and use the Service for personal, non-commercial purposes only. No transfer or ownership rights are conferred.

You agree not to reproduce, distribute, modify, or create derivative works from Service content without explicit permission. Any feedback or suggestions You provide become Our property without compensation.

Links to Other Websites

The Service may include hyperlinks, embeds, or references to third-party websites, services, or resources (e.g., external articles, social media integrations, or partner links) that are not owned, operated, or controlled by the Company. These links are provided solely for Your convenience and do not imply endorsement, sponsorship, or affiliation.

The Company exercises no editorial control over, and disclaims all responsibility for, the content, accuracy, privacy practices, security, or availability of any such third-party sites or services. You access them at Your own risk, assuming full liability for any interactions, transactions, or data shared therein.

You expressly acknowledge and agree that the Company shall bear no direct or indirect responsibility or liability—whether contractual, tortious, or otherwise—for any harm, loss, damage, claim, or expense arising from or related to:

Your use of or reliance on third-party content, products, or services.
Any viruses, errors, or disruptions originating from external sites.
Breaches of third-party privacy policies or terms.

We strongly recommend that You independently review and evaluate the terms and conditions, privacy policies, and security measures of any third-party website or service before engaging with it. The Company provides no guarantees regarding their compliance with standards or suitability for Your needs.

Termination

We reserve the absolute right to terminate or suspend Your access to the Service, in whole or in part, immediately and without prior notice or liability, for any reason whatsoever. This includes, without limitation:

Breaches of these Terms, such as prohibited conduct or intellectual property violations.
Inactivity for extended periods (e.g., 12 months).
Legal requirements, security concerns, or resource constraints.
Your request for deletion of Your Account.

Upon termination or suspension:

Your right to use the Service, access Accounts, or retain any licenses granted hereunder shall cease forthwith.
All outstanding obligations (e.g., payment for services rendered) become immediately due.
We may retain Your data as per Our Privacy Policy for legal, audit, or security purposes.

You may terminate Your use at any time by ceasing access or deleting Your Account. However, such termination does not relieve You of liabilities accrued prior thereto.

Limitation of Liability

To the fullest extent permitted by applicable law, the total aggregate liability of the Company, its Affiliates, officers, directors, employees, agents, suppliers, and licensors under or in connection with these Terms—whether arising in contract, tort (including negligence), strict liability, or otherwise—shall not exceed the greater of: (i) the amount actually paid by You to the Company through the Service in the 12 months preceding the claim, or (ii) £100 (or equivalent in Your currency) if no payments were made.

In no event shall the Company or any of the aforementioned parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

Loss of profits, revenue, business opportunities, or goodwill.
Loss or corruption of data, information, or files.
Business interruption, downtime, or productivity losses.
Personal injury, emotional distress, or privacy harms (except as required by law).
Costs associated with third-party software, hardware, or services used with the Service.

This limitation applies even if the Company has been advised of the possibility of such damages, if the exclusive remedies provided herein fail their essential purpose, or if You suffer foreseeable harm from Service use.

Certain jurisdictions (e.g., under the Consumer Rights Act 2015) may not permit the exclusion of implied warranties or full limitation of liability for incidental/consequential damages. In such cases, Our liability shall be confined to the maximum extent allowable by law, and You agree to waive any rights to broader recovery to the extent permitted.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided strictly “AS IS” and “AS AVAILABLE,” encompassing all existing faults, defects, and limitations, without any warranties or guarantees of any kind, whether express, implied, statutory, or arising from conduct, trade usage, or course of dealing.

To the maximum extent permissible under applicable law (including the Sale of Goods Act 1979 and Supply of Goods and Services Act 1982), the Company, on behalf of itself, its Affiliates, licensors, and service providers, expressly disclaims all warranties, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, quality, or suitability.
Warranties of title, non-infringement, or quiet enjoyment.
Assurances that the Service will meet Your specific requirements, deliver intended results, integrate seamlessly with other systems, or operate uninterruptedly.
Guarantees of performance, reliability, error-free operation, or timely correction of defects.

Without limiting the generality of the foregoing, the Company makes no representations or warranties whatsoever, express or implied, regarding:

The uninterrupted availability, timeliness, security, or accuracy of the Service, its content, or any integrated materials/products.
The error-free or virus-free nature of the Service, including freedom from malware, trojans, worms, or other harmful code.
The currency, completeness, or reliability of information provided through the Service.
Compatibility with Your Device, browser, software, or network configurations.

Some jurisdictions do not allow the disclaimer of certain warranties or limitations on statutory consumer rights; in such instances, the above exclusions shall apply only to the extent enforceable, with mandatory protections preserved.

Governing Law

These Terms and any disputes arising from or related to Your use of the Service—including formation, interpretation, breach, or termination—shall be governed exclusively by the laws of England and Wales, without regard to its conflict of laws principles or rules that might direct application of another jurisdiction’s laws.

Nothing in these Terms shall limit or exclude Your mandatory statutory rights as a consumer under applicable UK law. Your use of the Service may additionally be subject to other federal, state, local, or international laws, regulations, and treaties, for which You remain solely responsible.

Dispute Resolution

If You encounter any issue, concern, feedback, or dispute regarding the Service, these Terms, or Our handling thereof, You agree to first attempt resolution informally and in good faith. Contact Us promptly via the details in the “Contact Us” section below, providing a clear description of the matter, relevant details (e.g., Account info, timestamps), and Your proposed resolution.

We commit to acknowledging Your communication within 5 business days and working toward a mutually satisfactory outcome. If informal resolution fails within 30 days, the matter may proceed to formal mechanisms as outlined below.

For disputes exceeding £10,000 or involving injunctive relief, You agree to submit to the exclusive jurisdiction of the courts of England and Wales. Smaller claims may be resolved via alternative dispute resolution (ADR) services, such as those offered by the UK Centre for Effective Dispute Resolution (CEDR).

You waive any right to class, collective, or representative actions; all disputes must be pursued on an individual basis.

For European Union (EU) Users

If You are a consumer residing in the European Union (EU) or European Economic Area (EEA), You benefit from all mandatory protections afforded by the laws of Your country of residence, including but not limited to:

The right to a 14-day cooling-off period for certain digital services under the Consumer Rights Directive 2011/83/EU.
Protections against unfair terms per the Unfair Contract Terms Directive 93/13/EEC.
Cross-border dispute resolution via the EU Online Dispute Resolution (ODR) platform at ec.europa.eu/odr.

These Terms are supplemented by such rights, which prevail in case of conflict. For queries, contact Our EU representative at [EU Contact Details].

United States Legal Compliance

You represent and warrant that:

You are not located in, or accessing the Service from, any country, territory, or region subject to comprehensive U.S. government sanctions, embargoes, or export restrictions administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC), U.S. Department of Commerce’s Bureau of Industry and Security (BIS), or similar bodies.
You are not identified on any U.S. government lists of prohibited, denied, or restricted parties, including the Specially Designated Nationals (SDN) List, Entity List, or Denied Persons List.
Your use of the Service complies with all U.S. federal, state, and local laws, including those related to data privacy (e.g., CCPA, if applicable) and anti-terrorism financing.

Violations may result in immediate termination and referral to authorities. U.S. users may contact the Federal Trade Commission (FTC) for complaints.

Severability and Waiver

Severability

If any provision of these Terms is deemed unenforceable, illegal, or invalid by a court or competent authority of competent jurisdiction, such provision shall be reformed, severed, or modified only to the minimum extent necessary to render it enforceable, preserving its original intent to the greatest degree possible under applicable law. The remaining provisions shall continue in full force and effect without impairment.

Waiver

Except as explicitly stated herein, no failure by either party to enforce any right or remedy under these Terms, nor any delay in doing so, shall constitute a waiver of that right or remedy. A waiver of any specific breach shall not imply waiver of any prior, concurrent, or subsequent breach. All waivers must be in writing and signed by an authorized representative of the waiving party to be effective.

Translation Interpretation

These Terms may be made available in languages other than English for accessibility. In the event of any discrepancy, conflict, or inconsistency between the English version and any translation, the original English text shall prevail and control for all purposes, including legal interpretation and enforcement. You agree to be bound by the English version regardless of the language in which You access the Terms.

Translations are provided as a courtesy and do not constitute formal legal documents.

Changes to These Terms and Conditions

We reserve the unilateral right, at Our sole discretion, to update, amend, supplement, or replace any part of these Terms at any time, including to reflect changes in laws, technology, business practices, or Service features. Minor updates (e.g., clarifications or formatting) may occur without notice.

For material revisions—such as those affecting Your rights, obligations, data handling, or liability—we will make reasonable efforts to notify You at least 30 days in advance via:

Email to Your registered address (if applicable).
A prominent notice on the Service homepage or dashboard.
Posting the updated Terms on this page with a revised “Last updated” date.

What qualifies as “material” is determined solely by Us, guided by factors like scope of change and user impact. The updated Terms become effective on the date specified in the notice or posting.

By continuing to access or use the Service post-effective date, You irrevocably consent to the revised Terms. If You object to any modifications, in whole or part, Your sole remedy is to terminate Your use immediately and delete any Account. Continued use after notice constitutes affirmative acceptance.

We encourage periodic review of these Terms; Your responsibility to stay informed is integral to this agreement.

Contact Us

If You have questions, concerns, or require clarification regarding these Terms and Conditions, Our Service, or related matters, please contact Us using the following methods. We aim to respond within 3-5 business days.

By Email: contact@swipcrypto.com (preferred for detailed inquiries; include “Terms Query – [Your Name/Account]” in the subject line).