SwiftWire Terms and Conditions

1. Acceptance of Terms

By using SwiftWire (the “App” or “Platform”), you accept these Terms and Conditions and agree to comply with them. If you do not agree, you must discontinue use of the service immediately.

2. Eligibility

To use SwiftWire, you must be at least 18 years old and legally capable of entering into a binding agreement. You must also successfully complete our Know Your Customer (KYC) process where required.

3. Services Provided

• Sending and receiving money locally and internationally
• Currency conversion using real-time FX rates
• Crypto buy/sell/swap (BTC, ETH, USDT)
• Issuance of virtual cards for online and international spending
• Mobile money integration (MTN, Orange – Cameroon)
• Wallet funding through bank transfer, mobile money, or card

Services may vary by country or region based on local laws and partner APIs (Flutterwave, Wise, Stripe/Paystack, Binance).

4. Account Registration

To access our services, you must create an account and provide accurate and up-to-date information. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

5. KYC & Compliance

SwiftWire complies with Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations. We may collect personal documents and verify identity through third-party providers. Non-compliance may lead to account suspension.

6. Fees and Charges

• Transaction fees for money transfers and currency swaps
• FX markups for currency conversions
• Crypto trading spreads or commissions
• Card issuance and maintenance fees

All fees are clearly shown at the point of transaction.

7. Currency Conversion

Currency swaps are powered by Wise and are subject to real-time rates. You agree to accept the rate displayed at the time of transaction, including applicable fees.

8. Crypto Transactions

Crypto services are powered by Binance API. Crypto values are highly volatile, and SwiftWire is not liable for losses due to market fluctuations.

You must not use SwiftWire for illegal crypto activities, including money laundering or bypassing local restrictions.

9. Use of Virtual Cards

Cards issued via Stripe/Paystack may be used for online and international purchases. Do not use cards for restricted transactions such as gambling, adult services, or any unlawful activities.

SwiftWire reserves the right to freeze or cancel a card if suspicious activity is detected.

10. Prohibited Use

• Use SwiftWire for illegal transactions
• Circumvent FX limits or regulations
• Attempt unauthorized access to our systems
• Reverse-engineer, duplicate, or resell any SwiftWire services

Violations may result in immediate suspension or termination of your account.

11. Liability & Disclaimers

SwiftWire is not liable for:

• Losses due to user negligence, incorrect account details, or unauthorized access
• Delays or failures from third-party providers (Flutterwave, Wise, Binance, etc.)
• Fluctuations in crypto or FX rates

All services are provided “as is” without warranties of any kind.

12. Termination

You may close your account at any time. SwiftWire may suspend or terminate accounts for fraud, misuse, or breach of terms, with or without notice.

13. Privacy Policy

Your personal data is collected and handled according to our Privacy Policy, in compliance with global data protection laws (e.g., GDPR).

14. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on the app or website, and continued use of the service constitutes acceptance.

15. Contact Us

For questions or concerns regarding these Terms:

Email: support@theswiftwire.com

Website: www.theswiftwire.com