Terms of Service

Welcome to Swipe Smart. These Terms of Service ("Terms") govern your access to and use of our website, services, and applications (collectively, the "Service"). Please read these Terms carefully before using our Service.

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these Terms, you may not access the Service.

These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Swipe Smart ("we", "us", or "our"). Your use of the Service is also subject to our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

By accessing and using Swipe Smart, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, please do not use our Service.

These Terms apply to all visitors, users, and others who access or use the Service. By using our website, you represent and warrant that:

• You are at least 18 years of age and have the legal capacity to enter into this agreement
• You will use the Service in compliance with these Terms and all applicable laws and regulations
• All information you provide is accurate, current, and complete
• You have the authority to bind any business or entity on whose behalf you are acting

If you are using the Service on behalf of a business or entity, you represent that you have the authority to bind that business or entity to these Terms, and your acceptance of these Terms will be treated as acceptance by that business or entity.

Swipe Smart is a comparison service that helps UK businesses find suitable payment processing solutions. We provide information about card terminals, EPOS systems, and payment processing services from various providers across the United Kingdom.

Our Service includes:

• Comparison tools for payment processing solutions and card terminals
• Information about pricing, features, and terms from various providers
• Quote request services connecting you with payment service providers
• Educational content about payment processing and related topics
• Referral programmes for existing users
• Customer support and guidance

We are an independent comparison service and act as an intermediary between you and payment service providers. We do not provide payment processing services directly. Final agreements, contracts, and terms are between you and your chosen provider.

The information provided on our website is for general guidance only. Whilst we make reasonable efforts to ensure accuracy, we do not guarantee that all information is complete, accurate, or up to date at all times. Prices, features, and availability are subject to change without notice.

We reserve the right to modify, suspend, or discontinue any aspect of our Service at any time without prior notice. We may also impose limits on certain features or restrict access to parts or all of the Service without notice or liability.

Certain features of our Service may require you to create an account or provide information about your business. When creating an account or submitting information, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate and complete
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorised use or security breach

We reserve the right to suspend or terminate your account if any information provided proves to be inaccurate, false, or misleading, or if you breach these Terms.

You are responsible for safeguarding your account credentials and must not disclose them to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorised use of your account.

You agree to provide accurate, current, and complete information when using our Service. Providing false or misleading information may result in termination of your access to our Service.

You must use the Service for lawful purposes only and comply with all applicable UK laws and regulations. You agree not to use our Service in any way that could damage, disable, or impair our website or interfere with any other party's use of the Service.

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You must notify us immediately of any unauthorised use of your account.

You agree not to reproduce, duplicate, copy, sell, or exploit any portion of the Service without our express written permission.

You agree not to use the Service for any unlawful purpose or in any way that violates these Terms. Specifically, you agree not to:

• Violate any applicable local, national, or international law or regulation
• Infringe upon or violate our intellectual property rights or the rights of others
• Submit false, inaccurate, or misleading information
• Engage in any fraudulent, deceptive, or manipulative practices
• Transmit any viruses, malware, or other malicious code
• Attempt to gain unauthorised access to our systems or networks
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use any automated system, including robots, spiders, or scrapers, to access the Service
• Collect or harvest any personally identifiable information from the Service
• Use the Service for any commercial purpose without our express written consent
• Impersonate any person or entity or falsely state or misrepresent your affiliation
• Harass, abuse, or harm another person or entity
• Use the Service to send spam or unsolicited communications
• Reverse engineer, decompile, or disassemble any aspect of the Service

We reserve the right to investigate and take appropriate legal action against anyone who violates these prohibitions, including removing content, suspending or terminating accounts, and reporting to law enforcement authorities.

Whilst we strive to provide accurate and up-to-date information about payment processing providers, we cannot guarantee that all details are completely current at all times. Prices, features, terms, and availability may change without notice.

The comparison results and recommendations provided are based on the information available to us and the details you provide. They should be used as a guide only and not as financial or business advice. We do not endorse or recommend any particular provider.

Always verify details, pricing, contract terms, and conditions directly with providers before making any decisions or entering into agreements. We recommend reading all provider terms and conditions carefully and seeking independent professional advice where appropriate.

We make no representations or warranties regarding the accuracy, completeness, or reliability of any information provided through the Service. You acknowledge that any reliance on such information is at your own risk.

Our Service may contain links to third-party websites, services, or applications that are not owned or controlled by Swipe Smart. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

When you access third-party services through our Service or click on third-party links, you do so at your own risk. You should review the terms and conditions and privacy policies of any third-party services before using them.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Any disputes with third-party providers must be resolved directly with them.

The inclusion of any link does not imply endorsement by Swipe Smart. We do not warrant the offerings of any third parties or their websites.

Our comparison service is currently provided free of charge to users. However, we may introduce fees for certain premium features or services in the future. If we do so, we will provide clear notice and obtain your consent before charging any fees.

We may receive commissions or referral fees from payment service providers when you use our Service to request quotes or enter into agreements with them. These commercial relationships do not affect the objectivity of our comparison service or the information we provide.

Any fees charged by payment service providers are separate from our Service and are governed by their terms and conditions. We are not responsible for any charges, fees, or costs imposed by third-party providers.

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, software, and the compilation thereof (collectively, "Content"), is the property of Swipe Smart or its content suppliers and is protected by UK and international copyright, trademark, and other intellectual property laws.

The Service and its original content, features, and functionality are owned by Swipe Smart and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content from our Service, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages for your own personal, non-commercial use

You must not modify copies of any materials from this site, use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text, or delete or alter any copyright, trademark, or other proprietary rights notices.

If you wish to make any use of Content other than as set out in these Terms, please contact us for permission.

Our Service is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not guarantee uninterrupted, timely, secure, or error-free service.

To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make no warranty that:

• The Service will meet your requirements or expectations
• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• The quality of any products, services, information, or other material obtained through the Service will meet your expectations
• Any errors in the Service will be corrected

We are not liable for any decisions you make based on information provided through our Service. We do not guarantee any particular results from using our comparison service.

To the fullest extent permitted by law, we exclude all liability for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of our Service, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption
• Loss of anticipated savings
• Loss of goodwill or reputation
• Any indirect or consequential loss or damage

We are not responsible for the actions, content, or services of third-party providers featured on our website. Any disputes with providers must be resolved directly with them.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by UK law.

If you are dissatisfied with any portion of the Service or with these Terms, your sole and exclusive remedy is to discontinue use of the Service.

You agree to defend, indemnify, and hold harmless Swipe Smart, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

• Your violation of these Terms
• Your use or misuse of the Service
• Your violation of any law or the rights of a third party
• Any information or content you submit or transmit through the Service
• Your breach of any representation or warranty contained in these Terms

We reserve the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defences.

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Grounds for termination or suspension include, but are not limited to:

• Breach of these Terms or any applicable law
• Fraudulent, abusive, or illegal activity
• Providing false or misleading information
• Engaging in conduct that harms or could harm Swipe Smart or other users
• At our sole discretion for any other reason

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by the courts of England and Wales, and you consent to the exclusive jurisdiction and venue of such courts.

If you have a complaint or dispute, we encourage you to contact us first to seek a resolution. We will make reasonable efforts to resolve disputes amicably.

If we are unable to resolve a dispute through informal means, you may have the right to refer the matter to alternative dispute resolution or to the relevant ombudsman service.

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

No waiver by Swipe Smart of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Swipe Smart regarding the use of the Service and supersede all prior and contemporaneous written or oral agreements.

We may assign our rights and obligations under these Terms without your consent. You may not assign these Terms or any of your rights or obligations hereunder without our prior written consent.

We may update these Terms from time to time to reflect changes in our practices, technology, legal requirements, or for legal, regulatory, or operational reasons. We will post the updated Terms on this page with a revised "Last updated" date.

If we make material changes to these Terms, we will provide notice through the Service or by other means, such as email. Material changes will take effect 30 days after we provide such notice, except for changes addressing new functions or made for legal reasons, which will be effective immediately.

Continued use of our Service after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically. If you do not agree to the modified Terms, you must stop using the Service.

If you have any questions, concerns, or feedback about these Terms, please contact us through our website contact form. We will make reasonable efforts to respond to your enquiry promptly.