Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and Swift — the operator of the Swift mobile application, websites and related services (together, the "Platform") — for Guyana and the other Caribbean markets where Swift operates ("Swift", "we", "us"). Our full registered business name and address are available on request through the contact channel in section 21. By creating an account, ticking the acceptance box at registration, or using the Platform, you accept these Terms and our Privacy Policy. Under Guyana's electronic-transactions law, your electronic acceptance is as binding as a signature. If you do not agree, do not use the Platform.

1. Definitions

"Business" — an independent restaurant, supermarket, shop or service provider selling through the Platform. "Mover" — an independent delivery rider, courier or taxi driver offering transport through the Platform. "Partner" — a Business or a Mover. "Order" — a purchase, delivery, parcel, booking or ride you request through the Platform. "Handover" — the moment goods, a parcel or a completed service or ride is delivered to you.

2. What Swift is — and is not

Swift is a technology platform: it publishes Partners' listings, transmits Orders, matches deliveries and rides, and provides tracking, messaging and safety tools. Every Partner is an independent operator. Swift is not the seller of any goods, the provider of any ride, delivery or service, the employer, agent or joint venturer of any Partner, or a party to the contract formed between you and a Partner when an Order is accepted. Each Order is a direct contract between you and the relevant Business (for goods and services) and, for its carriage, the relevant Mover. Where these Terms limit Swift's responsibility, they never limit the responsibility a Partner owes you under the contract you form with them or under law.

3. Eligibility and your account

You must be at least 18 years old and capable of forming a binding contract. An account requires a phone number verified by SMS code; higher-value Orders and all taxi rides additionally require identity verification with a government-issued ID, requested in the app when it becomes necessary. You agree to give accurate information, keep it current, use one account, and keep your sign-in ability to yourself. You are responsible for activity under your account until you tell us it has been compromised. One person may hold customer and Partner roles on the same account; the Partner roles carry additional obligations presented at Partner onboarding.

4. Payments are direct — Swift holds no money

Swift is software, not a payment service. Orders are paid in cash at Handover, or — where a Partner offers it — directly into that Partner's own MMG mobile-money account, in MMG's own flow and under MMG's terms. Swift never holds, collects, processes or transmits Order money, offers no wallet or stored value, and never asks for card numbers. Prices shown in the app are the Business's own prices; delivery fees and fares are calculated estimates confirmed at the moment shown in the app. The only money Swift itself charges is the flat weekly subscription Partners pay for the software, and advertising fees under the separate advertising terms.

5. Placing an Order

Submitting an Order is an offer to the Business; the contract forms when the Business accepts it in the app. A Business may decline an Order and must tell you why through the app. If an item turns out to be unavailable, the app asks you to approve a substitution or that line is removed and, where you already paid by MMG, refunded by the Business — never swapped silently. Service bookings reserve the time slot shown; express delivery, where offered, buys priority handling.

6. Paying at Handover

Payment is due before or at Handover. Refusing to pay for what you ordered, or repeatedly failing to accept deliveries you requested, results in recorded strikes on your account and can restrict or end your access to cash-on-delivery or to the Platform.

7. Cancellations and refunds

You can cancel within the window the app shows for your Order. Cash Orders cancel free within that window. If you already sent an MMG payment to a Business, cancelling stops fulfilment and the Business refunds you directly on its own MMG — because Swift never holds the money, every refund of Order money is made by, and is the obligation of, the Partner who received it. After a Business has started acting on your Order a cancellation fee may apply; the exact outcome, including any fee, is computed by our servers at the moment you cancel and shown to you before you confirm. If something goes wrong with a fulfilled Order, report it from the Order screen: claims are reviewed with GPS and photo evidence under Swift's published guarantee process, and any settlement of Order money is made by the responsible Partner.

8. Your conduct

You agree not to: (a) break the law through the Platform or order anything unlawful; (b) harass, threaten, discriminate against or endanger Partners, customers or staff; (c) place Orders you do not intend to honour, or manipulate ratings, promotions, referrals or the strike system; (d) trigger safety features falsely; (e) impersonate anyone or use another person's account or documents; (f) interfere with the Platform — no scraping, automated access, probing, reverse engineering, or circumventing technical or fee protections; (g) use Platform data for any purpose outside your own use of Swift. We may investigate violations and act under section 17.

9. Reviews, messages and other content

You may post ratings, reviews, reports and order-scoped chat messages. You keep ownership of what you write, and you grant Swift a non-exclusive, royalty-free, worldwide licence to host, display, moderate and share it as needed to operate the Platform (for example, showing your review on a storefront, or your first name and rating to a matched Partner). Content must be truthful, lawful and respectful; you are responsible for what you post, including under defamation law. We may remove content that breaks these rules and act on reports — every review and message carries a report action, and blocking a person stops their messages and stops Swift matching you with them. Our Child Safety Standards page states our zero-tolerance rules and reporting channel for child-safety concerns.

10. Safety features and their limits

Taxi rides include an in-app PIN handshake so you meet the right driver, live trip sharing, and an SOS button that alerts our operations team and your verified emergency contacts with your live location. These tools support your safety; they are not a substitute for the emergency services, and Swift cannot guarantee an outcome from their use. Misusing them — including false alarms — ends your access and may be reported to the authorities.

11. Partners

Partners subscribe to Swift for a flat weekly fee and keep 100% of what they earn — Swift charges Partners no commission on Orders. Partners are independent: they decide when to be open or online, are responsible for their goods, services, vehicles, licences, insurance and tax affairs, and are verified through document checks before operating. Partner accounts are subject to the additional terms presented at onboarding, to quality and safety standards, and to suspension for expired documents, non-payment of the subscription, or misconduct. Nothing in the Platform creates employment between Swift and any Partner.

12. Licence and intellectual property

We grant you a personal, revocable, non-transferable licence to use the Swift app and websites for their intended purpose. The Platform, its software, design, and the Swift name and marks belong to Swift or its licensors; Partner content belongs to Partners. No rights are granted except as stated. If you send us feedback or suggestions, we may use them without obligation.

13. Third-party services

Parts of the experience depend on third parties — for example MMG for direct payments between you and Partners, mapping providers, and SMS carriers. Their services are governed by their own terms, and Swift is not responsible for their acts, omissions or availability.

14. Availability and changes to the Platform

The Platform is provided on an "as available" basis: we work to keep it running, but we do not promise uninterrupted or error-free operation, that any Partner will be open or nearby, or that any feature will remain unchanged. We may modify, suspend or discontinue features with reasonable notice where the change is material.

15. Disclaimers

To the maximum extent permitted by law, Swift disclaims all warranties about the Platform not expressly stated in these Terms. The quality, safety, legality and fitness of goods, services, deliveries and rides are the responsibility of the Partner who provides them, and your statutory guarantees in respect of them — including under Guyana's consumer-protection law — operate against that Partner and are not affected by these Terms. Nothing in these Terms excludes or limits any right or remedy the law does not allow to be excluded or limited.

16. Limitation of liability

To the maximum extent permitted by law: (a) Swift is not liable for the acts or omissions of Partners or other users, or for loss arising from the transaction between you and a Partner; (b) Swift is not liable for indirect or consequential loss, loss of profit, business, or data; and (c) Swift's total aggregate liability to you for claims arising from the Platform's own role is limited to the total amounts you paid to Swift (not to Partners) in the twelve months before the event giving rise to the claim. None of this excludes or limits liability for death or personal injury caused by Swift's own negligence, for fraud, or for anything else that cannot lawfully be excluded or limited.

17. Suspension and termination

You may stop using Swift at any time and may delete your account in the app (Profile → Personal data → Delete my account). We may suspend or terminate your access, with notice where practicable, for breach of these Terms, fraud, safety risk, legal requirement, or — for Partners — expired verification documents or subscription non-payment. Sections that by their nature should survive (including 9, 12, 15, 16, 18 and 19) survive termination, and records we are legally required to keep are retained as the Privacy Policy describes.

18. Indemnity

To the extent permitted by law, you agree to compensate Swift for losses, claims and reasonable costs arising from your breach of these Terms, your unlawful use of the Platform, or content you post — except to the extent caused by Swift's own breach or negligence.

19. Governing law and disputes

These Terms are governed by the laws of the Co-operative Republic of Guyana, and the courts of Guyana have jurisdiction over disputes arising from them. Please contact us first — most issues are resolved through Help & Support, which creates a tracked ticket a human answers. Nothing in these Terms limits your right to complain to or seek relief from any authority the law provides, including Guyana's consumer-affairs authorities for consumer matters and the Data Protection Commissioner for personal-data matters.

20. General

These Terms, the Privacy Policy, and the policies and Partner or advertiser terms referenced in them are the entire agreement between you and Swift about the Platform. If any provision is found invalid, the rest remain in force. A failure to enforce a provision is not a waiver of it. You may not assign your rights under these Terms; Swift may assign to an affiliate or a successor to its business, and material corporate changes affecting your data are handled as the Privacy Policy describes. Swift is not responsible for delay or failure caused by events beyond its reasonable control. These Terms are concluded in English.

21. Changes to these Terms

We may update these Terms. Material changes are announced in the app before they take effect, and where the law requires fresh consent we will ask for it. Each version of these Terms is recorded with its date and an integrity hash, so the exact words you agreed to are always provable. Continued use after a change takes effect is acceptance of the updated Terms.

22. Contact

Questions and complaints: the in-app Help & Support section is the fastest channel and creates a tracked ticket. Privacy matters: privacy@swiftgy.com. Our registered business name and postal address are available on request through either channel.