Terms & Conditions

General

1.1 Swiftcred is owned and managed by GoldFort OÜ (Registration Number: 14748334) with its registered office located at Harju maakond, Tallinn, Kesklinna linnaosa, Narva mnt 7b, 10117, Estonia. These Terms of Use govern all interactions with the Swiftcred Platform. The legal relationship between Swiftcred and the User is defined by these Terms of Use. Terms that are capitalized carry the meanings provided in the Definitions section, Article 2 of these Terms of Use.

1.2 Swiftcred's Platform is a website where Swiftcred offers its Products for sale, allowing Users to make purchases.

1.3 The user must accept the Terms of Use, including the Privacy Policy, upon completing the Registration Form on Swiftcred's website. Once this is done, the Account will be activated and verified, allowing the User to begin using the Platform. The user is required to adhere to the guidelines set forth in these Terms of Use.

1.4 Swiftcred reserves the right to amend the Terms of Use or any of its components at any time. Swiftcred will provide reasonable notice of any changes prior to their commencement date. The changes will become effective once they are posted on the Platform's website. Before accessing the Platform, the User should review the Terms of Use to verify if any updates have been made.

1.5 Any deviations from the Terms of Use are only permitted if explicitly agreed upon in writing by Swiftcred. If any provision of the Terms of Use is deemed invalid by a court, it shall not affect the validity of the remaining provisions.

1.6 In the event of any discrepancies between the original English version of these Terms of Use and any translations, the original English version will take precedence.

Definitions

2.1 Account: the Account that the User establishes to gain access to all services the Platform provides.

2.2 User: any individual who visits the Platform.

2.3 Terms of Use: these Terms of Use that apply to all engagements with the Platform.

2.4 Intellectual Property Rights (IP Rights): The rights which encompass but are not limited to trademark rights, service trademarks, logos, trade names, model rights, patents, copyrights, database rights, personality rights, and rights to know-how and other forms of intellectual property, whether registered or not, along with all rights or protections similar to or effective as the aforementioned, recognized globally.

2.5 Registration Form: the form located on the Platform that a User must complete to accept the Terms of Use, register an Account, purchase Swiftcred Products from the Platform, and thereby enter into Purchase Agreements with Swiftcred. The Registration Form can be accessed at swiftcred.com/auth/sign-up.

2.6 Buyer: the User who establishes an Account and acquires Products from the Platform.

2.7 Purchase Agreement: the agreement between Swiftcred and the Buyer for the acquisition of Products from the Platform.

2.8 Platform: Swiftcred’s transactional platform that enables Users to purchase Swiftcred Products, resulting in a Purchase Agreement between Swiftcred and the Buyer.

2.9 Product(s): Swiftcred's digital product(s) available on the Platform.

2.10 Code: a Code associated with a specific prepaid card that enables the Buyer to redeem that card.

Account to Operate Through the Platform

3.1 Before Users can purchase Products from the Platform, all individuals intending to act through the Platform must first create an Account. Once the Account is created and activated, the intended User is permitted to buy Products from the Platform in accordance with the Terms of Use.

3.2 The holder of an Account is always fully responsible for the usage of that Account and for who has access to it. Swiftcred must ensure that only authorized individuals conduct transactions through the Account and the Platform.

3.3 Swiftcred also reserves the right to restrict the availability of certain Platform features to a User at any time.

3.4 If a User fails to fulfill their payment obligations to Swiftcred, the company has the authority to suspend access to the Account in question until these payment obligations are satisfied.

3.5 If an Account is blocked for any reason, it becomes deactivated, and the User is no longer allowed to access the Platform.

3.6 Users cannot seek compensation from Swiftcred for the discontinuation or termination of their Account, and they waive any right to damages or other forms of compensation.

3.7 Passwords used to access an Account are kept strictly confidential. The User must maintain the confidentiality of such passwords at all times.

The Purchase Agreement

4.1 A Buyer who is logged into the Platform can acquire a Swiftcred product by clicking the digital 'Purchase' button. By selecting the 'Purchase' button, the User accepts the Product from Swiftcred, thereby completing the Purchase Agreement between Swiftcred and the Buyer. The User assumes the risk associated with their decision. Products purchased are non-refundable.

4.2 Swiftcred is not held liable for any obvious mistakes or inaccuracies in the Product information presented on the Platform.

4.3 Both parties relinquish the right to terminate the Purchase Agreement due to a lack of mutual understanding as part of the Purchase Agreement.

4.4 As part of the Purchase Agreement, the parties waive the right to rescind the Purchase Agreement owing to a lack of mutual understanding.

Execution of the Purchase Agreement

5.1 Both Buyer and Seller are obligated to fulfill their respective responsibilities under the Purchase Agreement, which are outlined in this Article.

5.2 The Buyer is required to pay the full purchase price to Swiftcred.

5.3 Prior to the purchase, the Buyer must ensure that there are sufficient funds available.

5.4 The Buyer must remit payment to Swiftcred before the Products can be delivered or downloaded. Swiftcred will not distribute the Products, nor can they be accessed, until payment has been received.

5.5 Upon receipt of payment, delivery will occur by sending an email containing the card code to the email address associated with the Buyer's Account. The code may also be downloaded via the orders section of the Buyer’s personal account. Delivery of the code typically takes less than 5 minutes, with most codes being delivered within a minute. Please note that the Buyer assumes the risk associated with the Product as soon as the codes are received.

5.6 The User is not permitted to suspend or offset any payments.

DURATION AND TERMINATION

6.1 An Account is granted to the User for a period of 12 months, after which it will be automatically renewed unless terminated in accordance with the provisions set forth herein.

6.2 The User has the right to request the deletion of their Account and all associated personal information by sending a written notification via email to Swiftcred.

6.3 Notice of cancellation must be sent via email to ensure proper processing of the request.

7.1 The minimum one-time purchase amount is set at €5, while the maximum one-time purchase amount is capped at €1000.

7.2 There is a limit on the maximum number of transactions that can be made from a single card each day. To mitigate fraudulent activities and in compliance with anti-money laundering policies, a user is not permitted to exceed this limit and may not conduct more than 10 transactions in one day.

7.3 If a user’s cumulative transactions exceed €5,000, they will be required to complete the Know Your Customer (KYC) verification process. SwiftCred will contact the user via the email address provided to request additional personal information and necessary documents.

7.4 Users may utilize a variety of external payment services. SwiftCred is not responsible for the proper functioning of any payment systems; these activities are expressly excluded from SwiftCred’s services or from Purchase Agreements executed through the Platform. SwiftCred does not engage in resolving issues related to payment services.

7.5 Users shall bear all expenses incurred by payment providers and banks, including transaction fees.

TRANSFER OF RIGHTS AND OBLIGATIONS

8.1 The rights and obligations arising from these Terms of Use shall not be sold, transferred, or pledged to any third party by the User.

8.2 SwiftCred reserves the right to sell, pledge, or transfer its claims and associated rights and obligations to a third party at its discretion.

FORCE MAJEURE

9.1 SwiftCred shall not be obligated to meet any responsibilities to the User if it is obstructed from doing so by circumstances outside its control, for which it cannot be held liable under the law, due to legal proceedings, or based on prevailing opinion. In the context of these Terms of Use, force majeure includes all external conditions, both foreseeable and unforeseen, that lie beyond SwiftCred's management and impede its ability to fulfill obligations. This encompasses force majeure incidents impacting SwiftCred's vendors, non-compliance by suppliers chosen by the User—such as payment processing systems—regulatory actions, power interruptions, internet outages, data network breakdowns, failure of telecommunications facilities, warfare, fire, riots, malfunctioning of corporate infrastructure, and general transport disruptions.

9.2 SwiftCred reserves the right to postpone its obligations during the occurrence of force majeure.

LIABILITY

10.1 SwiftCred is explicitly exempt from any liability for indirect or consequential damages, lost profits, lost savings, diminished goodwill, business interruption losses, damages arising from claims from the User's customers, and damages resulting from the use of third-party items, materials, or software selected by the User. SwiftCred is also not liable for any mutilation, destruction, or loss of data or documents.

10.2 SwiftCred is not responsible for any harm caused by defects in services rendered or products supplied by third parties.

10.3 SwiftCred will not be held liable for any damages arising from Products that are not available (or are no longer available) in inventory.

10.4 SwiftCred is also not liable for any damages resulting from outages on the Platform, including those caused by updates or other improvements to the Platform's functionality, or from faults and failures within SwiftCred's IT infrastructure.

10.5 SwiftCred assumes no responsibility for any damages resulting from hacking incidents related to accounts.

10.6 SwiftCred is not accountable for any losses suffered due to customer claims arising from the right of withdrawal. The User shall indemnify SwiftCred against all consumer disputes emerging from the right of withdrawal.

10.7 SwiftCred is not liable for any damages caused by a defective or expired Product code.

10.8 The exclusions and limitations of liability outlined in the preceding paragraphs are without prejudice to any other exclusions and limitations specified in these Terms of Use.

10.9 The exclusions and limitations set forth in the previous sections do not apply if the loss is caused by the intentional misconduct or gross negligence of SwiftCred’s management.

10.10 Unless it is entirely impossible for SwiftCred to comply, SwiftCred's liability for attributable non-compliance with the agreement exists only if the User promptly informs SwiftCred of the error, allowing a reasonable period to rectify the non-compliance, and SwiftCred has failed to meet its obligations despite the expiration of that period.

10.11 To enable SwiftCred to respond adequately, the notice of non-compliance must include a detailed and accurate description of the failure.

10.12 Until the User demonstrates that the damage was caused by that particular Product or code, the User indemnifies SwiftCred against all third-party claims related to product liability arising from a defect in a Product or code supplied to a third party that originated from SwiftCred.

10.13 The provisions of this section, along with other liability limitations and exclusions cited in these Terms of Use, apply to all individuals and legal entities engaged by SwiftCred to carry out the Terms of Use.

10.14 The provisions of this section, along with other liability limitations and exclusions referenced in these Terms of Use, also apply to Purchase Agreements.

INTELLECTUAL PROPERTY RIGHTS

11.1 SwiftCred retains all intellectual property rights pertaining to (all aspects of) the Platform, its underlying technology, and the content. The User's right to use is non-exclusive, non-transferable, non-pledgeable, and non-sublicensable.

11.2 Any utilization of intellectual property rights registered in the name of 'SwiftCred' necessitates prior written consent from SwiftCred.

11.3 SwiftCred, its licensors, or its providers hold all intellectual property rights to the Products, databases, scripts, designs, and other materials made available to the User under these Terms of Use and/or a Purchase Agreement. SwiftCred, its licensors, or its suppliers shall not confer any additional rights to the User beyond those that are explicitly granted.

CONFIDENTIALITY

12.1 All data that the User and SwifCred have obtained or will obtain as a result of this legal relationship is considered private and must not be disclosed to third parties. Privacy of such information is not necessary if:

• The data is widely known;
• If disclosure of the information in question is required by law or other regulatory standards;
• If all parties to this Purchase Agreement have given their prior approval to breach the confidentiality of the information in question.

12.2 Breach of confidentiality may lead to litigation and potentially monetary penalties under applicable law and jurisdiction.

12.3 This confidentiality requirement will be in effect until five years after the Account is canceled.

APPLICABLE LAW AND DISPUTES

13.1 These Terms of Use and any separate agreements under which we provide services to you will be governed by and interpreted in accordance with the laws of Estonia.

13.2 Any disputes between the parties must be resolved exclusively through the competent judge of the Estonian district court.

Contact information

If you have any questions regarding the Terms of Service, feel free to contact us at info@goldfort.eu.