SwiftPay User Agreement

Agreement version: July 22, 2026 — Licensing v3

This is a commercial starter agreement and not legal advice. Attorney review is recommended before commercial reliance.

1. Software License

SwiftPay is licensed, not sold, for the approved merchant location and installation. The merchant may not copy, share, resell, sublicense, bypass, alter, or publicly distribute SwiftPay or its activation controls except as expressly authorized in writing.

2. Trial and Activation

The free trial lasts seven calendar days from server-recorded activation and is limited to one trial per verified business email. Paid plans are yearly. Initial paid use requires a one-time activation code issued by SwiftPay; each later year requires a one-time renewal code tied to the same Install ID. The application periodically obtains a digitally signed offline verification from the licensing service. Manipulating an email identity, Install ID, device clock, installation credential, activation or renewal code, or signed verification may suspend software access.

3. Local Data and Licensing Service

Card numbers, balances, transactions, users, reports, and backups remain in the merchant’s local browser database and are not uploaded to SwiftPay’s licensing database. The application sends licensing-only information described in the Privacy Policy. The merchant authorizes those licensing requests as part of using the software.

4. Merchant Responsibilities

• Maintain records supporting the authority, source, and amount of every card issuance.
• Ensure every issuance, redemption, adjustment, and reversal is authorized and permitted by applicable law and merchant policy.
• Provide notices, disclosures, receipts, and procedures required for the merchant’s selected use and jurisdiction.
• Use a store-controlled operating-system account or kiosk/browser profile and block guest access, unapproved extensions, developer tools, and unauthorized physical access.
• Understand that local web-app roles do not protect records from someone who administers the device, operating system, or browser profile.
• Protect devices, staff passwords, unused card numbers, activation codes, printed recovery records, and backup files.
• Verify transactions and investigate discrepancies immediately.
• Save and test backups regularly.
• Comply with all licensing, consumer, tax, accounting, privacy, unclaimed-property, and other legal requirements applicable to the merchant’s selected use.

5. Card Rules and PINs

Cards are issued once and cannot be reloaded. Funds do not expire. SwiftPay charges no dormancy, inactivity, or service fees. Not redeemable for cash. Every redemption records its selected purpose. Newly issued cards receive a one-time cardholder PIN. The merchant is responsible for giving that PIN securely to the correct cardholder and following its own identity-verification procedure before a Manager or Admin replaces it. Mistakes are corrected through audited reversals, not deletion.

6. Existing Cards When Issuance Is Disabled

If the trial ends or the software license cannot be verified, new card issuance is disabled. Balance lookup and redemption remain available for previously issued cards so the merchant can continue honoring valid balances.

7. Backups and Device Risk

The merchant is responsible for protecting the primary device, choosing a strong and unique backup password, storing the separate Backup Recovery Kit securely, and maintaining current encrypted backups outside that device. A new backup can be unlocked with its password or its Recovery Kit. Browser storage may be lost if it is cleared, reset, damaged, or removed. SwiftPay cannot recreate both lost credentials or remotely reconstruct local records that were never backed up.

8. Verification and Incident Response

Stop card activity if a balance or transaction cannot be verified. Do not clear browser data or reinstall SwiftPay. Preserve the device and latest backup, record the version, Install ID, device/browser, attempted action, and exact error, then contact support.

9. Support

Merchants must test issue, redeem, balance, receipt, and backup workflows after updates. Support: 470-886-0066.