Terms of Service

1. Company Information

Swipe Saving ("Swipe Saving," "we," "our," or "us") provides credit card processing, payment technology, and related merchant services.

Use of this website does not create a merchant account. Merchant services are subject to separate merchant processing agreements, underwriting approval, and third-party bank and processor requirements.

2. Eligibility

By using this website or our services, you represent that:

• You are at least 18 years old
• You have the authority to bind the business you represent
• All information you provide is true, accurate, and complete

3. Services Disclaimer

Swipe Saving acts as a sales, consulting, and referral entity for payment processing and related services. Actual processing services are provided by third-party acquiring banks, processors, and technology partners.

Swipe Saving does not guarantee:

• Approval for merchant services
• Specific pricing, rates, or terms
• Processing volume, acceptance, or profitability

All services are subject to underwriting, bank approval, and applicable card network rules.

4. User Responsibilities

You agree to:

• Provide accurate and current business and personal information
• Comply with all applicable laws and regulations
• Use services only for lawful business purposes
• Not submit false, misleading, or fraudulent information
• Promptly notify Swipe Saving of any unauthorized use or suspected fraud

5. Prohibited Activities

You may not use our website or services to:

• Engage in illegal, deceptive, or fraudulent activities
• Process prohibited or restricted transactions
• Violate card brand rules (Visa, Mastercard, Discover, American Express)
• Interfere with or disrupt website functionality
• Attempt unauthorized access to systems or data

6. Third-Party Services

Swipe Saving may integrate or refer you to third-party services including processors, banks, gateways, POS providers, and software platforms. Swipe Saving is not responsible for the performance, availability, or actions of these third parties.

Your use of third-party services is subject to their separate agreements and terms.

7. No Financial or Legal Advice

Information provided on this website is for general informational purposes only and does not constitute legal, tax, or financial advice. You should consult your own advisors before making business decisions.

8. Intellectual Property

All website content, trademarks, logos, and materials are owned by or licensed to Swipe Saving and are protected by intellectual property laws. You may not copy, reproduce, or distribute any content without prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Swipe Saving shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, business interruption, or loss of data, arising out of or related to your use of the website or services.

10. Indemnification

You agree to indemnify and hold harmless Swipe Saving, its officers, directors, employees, agents, and partners from any claims, damages, losses, liabilities, costs, and expenses arising from:

• Your use of the website or services
• Your violation of these Terms
• Your violation of any law or third-party rights
• Fraudulent, misleading, or unauthorized activities

11. Termination

Swipe Saving reserves the right to suspend or terminate your access to the website or services at any time, with or without notice, for any reason, including violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

13. Dispute Resolution

Any disputes arising out of or relating to these Terms or your use of the website or services shall be resolved through binding arbitration or in the state or federal courts located in Florida, at Swipe Saving's discretion, unless otherwise required by applicable law.

14. SMS / Text Messaging

By providing your mobile phone number to Swipe Saving, you consent to receive SMS text messages from us regarding your account, application status, service updates, and related communications. Message and data rates may apply. Message frequency varies depending on your account activity and service needs.

You may opt out of SMS messages at any time by replying STOP to any message you receive from us. For help or support, reply HELP to any message, or contact us at the information below. Carriers are not liable for delayed or undelivered SMS messages.

You acknowledge that SMS messaging is not a secure form of communication and that Swipe Saving is not responsible for any interception, delay, or failure of SMS delivery by your mobile carrier.

15. Modifications to Terms

Swipe Saving reserves the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of the website or services constitutes acceptance of the revised Terms.

15. Contact Information

If you have questions about these Terms, please contact us: