Terms & Conditions

You must be at least 18 years old to use Swyft-Data. If you're younger, you need a parent or guardian to open the account on your behalf and accept these terms.

By registering, you confirm that:

• All information you provide is accurate and belongs to you
• You're not on any sanctions list, and you're not using the service on behalf of someone who is
• You'll complete KYC verification when asked — this is a legal requirement for financial services in Nigeria
• You'll keep your contact details up to date so we can reach you about your account

You are responsible for everything that happens under your account. That includes keeping your password, transaction PIN, and any OTP codes private. Our team will never ask you for your password or PIN — anyone who does is impersonating us.

• Use a strong password. Something you don't use anywhere else. A password manager makes this easy.
• Enable PIN protection. It adds a second layer of defence if your phone is ever compromised.
• Report suspicious activity immediately. If you notice a login or transaction you didn't make, contact us right away.
• One account per person. Creating multiple accounts to exploit promotions or evade limits will get all of them suspended.

Swyft-Data is a payment and top-up platform for personal and small-business use. You agree to use it only for lawful purposes.

You must not:

• Use the platform to launder money, fund illegal activity, or violate Nigerian law
• Attempt to reverse-engineer, scrape, or abuse our APIs, or access systems you don't have permission to
• Use stolen cards, wallets, or accounts to fund your wallet
• Resell our services under your own brand without a written agreement
• Send spam, phishing messages, or bulk messages that violate NCC rules through the bulk SMS service
• Impersonate Swyft-Data staff or another user

Your Swyft-Data wallet is a record of the money you've loaded onto the platform. It is not a bank account and does not earn interest.

• Funding. You can load your wallet by bank transfer to your dedicated account number, via USSD, or through other channels we make available from time to time.
• Spending. Wallet balance can only be spent on services offered through Swyft-Data. It can't be transferred to another user's wallet except through the in-app transfer feature.
• Withdrawals. Where you're eligible to withdraw (e.g. commissions, event ticket sales), withdrawals go to the bank account you have on file. Withdrawals to a third party aren't permitted.
• Inactive balances. If your account is inactive for more than 12 months, we may apply a small monthly maintenance fee or, eventually, return the balance to you after proper notice. We will always contact you before any balance is affected.
• Reversals. If a funding transaction is later reversed by your bank (chargeback, recall, or fraud claim), we may debit your wallet for the corresponding amount and, if the balance is insufficient, restrict your account until the negative balance is settled.

All transactions — airtime, data, electricity, cable, exam pins, event tickets, bulk SMS — are processed in real-time through integrations with licensed telecom, utility, and payment providers. We send your request to the provider and the outcome depends on their response.

Some transactions are confirmed instantly. Others go into a pending state and are resolved by the provider's webhook, usually within a few minutes but occasionally longer during network congestion.

Always double-check the phone number, meter number, smartcard number, or recipient details before confirming a transaction. Once the provider has fulfilled it, it cannot be reversed — even if you entered the wrong number.

All transactions are considered final once completed by the provider. We don't issue refunds because you changed your mind, entered the wrong number, or found the service cheaper elsewhere.

We do refund in the following cases:

• Failed but charged. The provider marks the transaction as failed, but your wallet was debited. You get an automatic refund — usually within minutes.
• Duplicate payment. You were charged twice for the same transaction.
• Unfulfilled service. The provider confirms the service was not delivered (e.g. data never arrived, token never generated).
• System error on our side. A bug in Swyft-Data caused the incorrect charge.

If you believe you're owed a refund, contact us with the transaction reference. Refunds are credited back to your wallet. Bank withdrawals of a refund amount are subject to our standard withdrawal fees.

Verified agents earn commission on their own transactions and on transactions made by agents they recruit. The program is designed to reward activity — not signups. An inactive downline doesn't earn you anything.

• Minimum activity. Agents must complete at least 60 transactions per calendar month to qualify for commission payouts. This threshold exists to filter out low-quality referrals that drive up our support costs without adding value.
• Commission rates. Tier One Agents earn 10% of their own transaction revenue and 10% of commissionable revenue from each qualifying downline agent. Rates may change; you'll be notified at least 30 days before any change takes effect.
• Payout schedule. Commissions are calculated at the end of each 30-day cycle and are eligible for withdrawal once the cycle closes and the minimum activity threshold is met.
• Fair play. Self-referrals, fake accounts, and manufactured transactions to hit thresholds are not permitted and result in forfeiture of earned commissions.

All content on the Swyft-Data platform — logos, brand names, user interface, source code, marketing copy, illustrations, and underlying technology — is our property or licensed to us. It is protected by Nigerian and international copyright and trademark law.

You may not:

• Copy, modify, or redistribute our content without written permission
• Use our name, logo, or brand assets in your own marketing without authorization
• Frame our platform inside another website or app

You retain ownership of any content you create (messages you send through bulk SMS, event descriptions, etc.) and grant us a limited licence to process and store it for the purpose of delivering the service.

Swyft-Data is provided on an "as-is" and "as-available" basis. While we work hard to keep the platform reliable, we cannot guarantee uninterrupted service or that every transaction will succeed.

To the fullest extent permitted by Nigerian law, we are not liable for:

• Indirect losses. Lost profits, lost business opportunities, or loss of goodwill arising from platform downtime or a failed transaction.
• Third-party failures. Errors, outages, or delays caused by telecom networks, banks, payment processors, or utility providers.
• User error. Losses resulting from incorrect details entered by you, weak passwords, or sharing your PIN with someone else.
• Phishing and impersonation. Losses caused by you interacting with phishing sites, fake links, or fraudsters impersonating Swyft-Data.
• Force majeure. Events outside our control — natural disasters, civil unrest, government action, or nationwide network outages.

Where liability cannot be excluded by law, our total liability to you for any single claim is limited to the amount involved in the transaction that gave rise to the claim.

We may update these terms occasionally to reflect new features, regulatory requirements, or business changes. When we do, we'll update the effective date at the top of this page.

For material changes — anything that affects your rights, fees, or obligations — we'll notify you in-app and via email at least 14 days before the change takes effect. Continuing to use Swyft-Data after the change means you accept the updated terms. If you don't agree, you can close your account and withdraw any eligible balance.

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with your use of Swyft-Data will be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

Before escalating to formal legal action, we ask that you contact us directly so we can try to resolve the issue. Most disputes are simpler to sort out over a phone call than in a courtroom.

If you have a question about these terms, want to report a problem, or need to reach us about anything else: