Terms & Conditions

1. Definitions

• Platform: Swipe Savvy, LLC’s merchant rewards and payment processing platform, available on web and mobile.
• User/Customer: Any business or individual accessing or using our Platform.
• SaaS Fees: Subscription fees for Platform access.
• Rewards Program: Customer loyalty and rewards program for merchants.
• Confidential Information: Proprietary, non-public information shared between parties.

2. User Registration & Account Management

• Eligibility: Users must be business owners or authorized employees, 18+ years old, and legally able to contract.
• Account Creation: Provide accurate, up-to-date information. Verification may include email, phone, or third-party checks.
• Account Security: Keep credentials confidential. Notify us immediately of any unauthorized use.
• Suspension & Termination: We may suspend or terminate accounts for violations, inactivity, or non-payment.

3. Content Submission & User-Generated Content

• Users can submit reviews, testimonials, and other materials.
• Users retain ownership but grant Swipe Savvy a non-exclusive, worldwide license to use submitted content.
• We may remove content that is illegal, harmful, or violates rights.

4. Intellectual Property Rights

• All website and Platform materials are owned by Swipe Savvy, LLC.
• Users are granted a limited, non-transferable license for business use only.
• Restrictions: No copying, reverse engineering, or unauthorized distribution.

5. Program Participation & Rewards

• Earn points via transactions, referrals, and promotions.
• Points can be redeemed for rewards; terms and expiration apply.
• We may adjust or forfeit points for errors, fraud, or violations.

6. Fees & Payment Terms

• Multiple pricing plans: Flat Rate, Interchange Plus, Cash Discount, Pay-As-You-Go, Scalable, Enterprise.
• Fees are billed monthly; late payments may incur additional charges.
• Refund and cancellation policies are detailed on our website.

7. Privacy & Data Security

• Data is collected and used according to our Privacy Policy.
• We comply with PCI-DSS standards for payment security.
• Users must also maintain PCI-DSS compliance if handling payment data.

8. Acceptable Use Policy

• Use the website and services only for lawful purposes.
• Prohibited activities include spamming, fraud, unauthorized access, and content violations.
• Violations may result in suspension or termination.

9. Dispute Resolution

• Use our self-service dispute portal for chargebacks or service disputes.
• Good faith negotiation is required before arbitration.
• Binding arbitration is conducted in Orlando, FL.
• Small claims and injunctive relief options apply.

10. Limitation of Liability & Disclaimers

• Services are provided “as is” without warranties.
• We are not liable for indirect, incidental, or consequential damages.
• See full terms for indemnification and third-party disclaimers.

11. Modification of Terms

• We may update these Terms at any time.
• Notice will be provided via the website or email.
• Continued use after changes constitutes acceptance.

12. Third-Party Services & Integrations

• Our website may integrate with third-party apps and services.
• Users are responsible for reviewing third-party terms.
• We are not liable for third-party actions or content.

13. Communications & Notifications

• Official support: 800-409-5908
• We may contact you electronically (email, SMS, in-app).
• Keep your contact information up to date.

14. Termination & Suspension

• We may terminate access for violations, inactivity, or security risks.
• Users may terminate by written notice.
• Upon termination, access and rewards are forfeited.

15. General Provisions

• Governed by the laws of New Jersey, USA.
• Severability, assignment, force majeure, and other standard legal terms apply.

16. Contact Information

For questions or support, contact us at 800-409-5908 or visit our Contact Page.