SwiftBillSwiftBill

Terms of Service

Last updated: March 28, 2026

1. Acceptance of Terms

By downloading, installing, accessing, or using SwiftBill ("the App," "the Service"), you ("User," "you," "your") agree to be legally bound by these Terms of Service ("Terms"). These Terms constitute a binding legal agreement between you and Sheboftek ("we," "us," "our," "the Company"), a sole proprietor developer operating SwiftBill.

If you do not agree to all of these Terms, you must immediately stop using the App and delete it from your device. Your continued use of SwiftBill after any modification to these Terms constitutes your acceptance of the modified Terms.

You represent and warrant that you are at least 16 years of age (or the age of digital consent in your jurisdiction, whichever is higher) and have the legal capacity to enter into these Terms. If you are using SwiftBill on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

2. Description of Service

SwiftBill is a mobile invoicing and business document management application designed for freelancers, sole proprietors, and small businesses. The Service provides the following features and capabilities:

  • Invoices — Create, edit, and send professional invoices with customizable line items, taxes, discounts, and payment terms
  • Estimates — Generate detailed estimates and quotes for clients with optional conversion to invoices
  • Contracts — Draft and manage business contracts with AI-assisted generation and signature fields
  • Receipts — Create payment receipts and scan paper receipts using device camera and AI OCR
  • Credit Notes — Issue credit notes linked to existing invoices for returns, adjustments, or refunds
  • Expense Tracking — Log, categorize, and manage business expenses with receipt attachment
  • AI-Powered Document Generation — Text-to-document creation, receipt OCR scanning, contract Q&A wizard, and smart autofill powered by artificial intelligence
  • Professional PDF Templates — Up to 15 professionally designed templates (Classic, Minimal, Modern, Bold, Elegant, Corporate, Freelancer, Commercial, Executive, Navy, Fresh, Refined, Contractor, Studio, Hourly)
  • Multi-Currency Support — Support for 22+ currencies with localized formatting
  • Tax Compliance Tools — VAT calculations, ZATCA QR code generation, and UAE FTA compliance features
  • Recurring Documents — Set up recurring invoices on daily, weekly, monthly, or custom schedules
  • Reports and Analytics — Revenue summaries, expense reports, client analytics, and financial insights
  • Cloud Sync — Secure cloud synchronization of documents and business data via encrypted connection
  • Client Management — Store and manage client information, contact details, and document history
  • Document Sharing — Share documents via email, SMS, WhatsApp, shareable links, and PDF export
  • Digital Signatures — Per-document business and client signature support with date stamps
  • Payment Links — Embed payment gateway links (Stripe, PayPal, or custom) with QR codes in documents
  • CSV Export — Export financial data in CSV format for use with external accounting software

We reserve the right to modify, suspend, or discontinue any feature of the Service at any time, with or without notice. We will make reasonable efforts to notify users of significant changes that materially affect the Service.

3. Account Registration and Security

To access certain features of SwiftBill, including cloud sync and AI-powered features, you may be required to create an account. You may register using your email address and password or through Apple Sign-In.

When creating an account, you agree to:

  • Provide accurate, current, and complete registration information
  • Maintain and promptly update your account information to keep it accurate and current
  • Create a password of at least 8 characters that is not easily guessable
  • Maintain the confidentiality and security of your login credentials
  • Immediately notify us at support@getswiftbill.app if you suspect unauthorized access to your account
  • Not share your account credentials with any third party
  • Not create multiple accounts for deceptive or abusive purposes

You are solely responsible for all activity that occurs under your account, whether or not authorized by you. We are not liable for any loss or damage resulting from unauthorized use of your account due to your failure to safeguard your credentials. We implement login rate limiting and password reset cooldowns to protect against brute-force attacks, but these measures do not eliminate your obligation to maintain account security.

4. Subscription and Payment Terms

SwiftBill offers a free tier and a paid Pro subscription. Pro subscriptions are available as auto-renewable subscriptions processed exclusively through the Apple App Store:

  • Monthly Plan — $5.99 USD per month with a 3-day free trial
  • Yearly Plan — $39.99 USD per year with a 7-day free trial

Prices are in United States Dollars and may vary by region based on Apple's local pricing tiers and applicable taxes. Current pricing is always displayed on the in-app purchase screen before you confirm.

Apple App Store Subscription Terms

Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Subscriptions may be managed and auto-renewal may be turned off by going to Account Settings in the App Store after purchase. Any unused portion of a free trial period will be forfeited when you purchase a subscription.

All payments are processed by Apple. We do not collect, store, or have access to your payment card information. Refund requests must be directed to Apple through the App Store or at reportaproblem.apple.com. We cannot process refunds directly.

We reserve the right to change subscription pricing at any time. If we increase prices, existing subscribers will be notified in advance through Apple's price increase consent mechanism. You will have the opportunity to accept or decline the new pricing before it takes effect.

5. Free and Pro Plans

Free Tier

The free tier provides limited access to SwiftBill with the following restrictions:

  • 1 invoice per calendar month
  • 1 receipt per calendar month
  • Classic template only (no access to other 14 templates)
  • Basic reports only
  • Cloud sync included
  • No access to estimates, contracts, or credit notes
  • No AI-powered features (document generation, OCR, smart autofill)
  • No recurring document scheduling
  • No expense tracking
  • No CSV export
  • No multi-currency support
  • PDF watermark ("Created with SwiftBill — Upgrade to remove") on all generated documents

Pro Tier

The Pro subscription unlocks the full SwiftBill experience:

  • Unlimited invoices, estimates, contracts, receipts, and credit notes
  • All 15 professional PDF templates
  • AI-powered document generation, OCR scanning, contract wizard, and smart autofill
  • Full expense tracking and management
  • Recurring document scheduling
  • Multi-currency support (22+ currencies)
  • CSV data export
  • Advanced reports and analytics
  • Clean PDFs with no watermark

We reserve the right to modify the features included in each tier. If we reduce Pro features in a way that materially affects your use, you may cancel your subscription at any time through your Apple ID settings.

6. User Content and Responsibilities

Ownership of Your Content

You retain full ownership of all documents, business data, client information, and content you create, upload, or generate using SwiftBill ("User Content"). We do not claim any intellectual property rights over your invoices, estimates, contracts, receipts, credit notes, expense records, client data, or any other business documents you create.

Limited License Grant

By using SwiftBill's cloud sync features, you grant us a limited, non-exclusive, non-transferable license to store, transmit, and process your User Content solely for the purpose of providing, maintaining, and improving the Service. This license exists only for the duration of your use of the cloud sync feature and terminates when you delete your account or your data. We will not use your User Content for any other purpose, including marketing, advertising, or training AI models.

Your Responsibilities

You are solely responsible for the accuracy, legality, and appropriateness of all User Content. This includes, without limitation:

  • Ensuring all invoices, receipts, and financial documents accurately reflect actual transactions
  • Verifying that all tax calculations, rates, and compliance information are correct for your jurisdiction
  • Complying with all applicable laws, regulations, and industry standards governing your business documentation
  • Obtaining any necessary consents before storing or processing client personal data through SwiftBill
  • Maintaining your own backups of critical business documents

Prohibited Uses of User Content

You must not use SwiftBill to create, store, or distribute:

  • Fraudulent, forged, or misleading invoices, receipts, or financial documents
  • Documents intended to facilitate tax evasion, money laundering, or any other financial crime
  • Content that is defamatory, obscene, threatening, or otherwise unlawful
  • Documents that infringe upon the intellectual property rights of any third party
  • Deceptive documents designed to mislead recipients about the nature, origin, or terms of a transaction
7. AI-Generated Content Disclaimer

SwiftBill incorporates artificial intelligence features including text-to-document generation, receipt OCR scanning, contract Q&A wizard, and smart autofill ("AI Features"). By using AI Features, you acknowledge and agree to the following:

  • Draft Content Only. All AI-generated content is provided as a preliminary draft and starting point. AI output must be thoroughly reviewed, verified, and edited by you before use in any business transaction, legal proceeding, or official record.
  • No Guarantee of Accuracy. We do not guarantee the accuracy, completeness, correctness, or legal compliance of any AI-generated content. AI systems can produce errors, hallucinations, outdated information, or content that does not reflect your specific business requirements or jurisdiction.
  • AI Content Labeling. Content generated or significantly assisted by AI is identified as AI-assisted within the application. You are responsible for disclosing the use of AI-generated content to third parties where required by law or professional standards.
  • No Professional Advice. AI-generated contracts, invoices, and other documents do not constitute legal, financial, tax, or professional advice. AI-generated content should not be relied upon as a substitute for professional consultation.
  • User Responsibility. You are solely and entirely responsible for the final content of all documents you create, send, or share using SwiftBill, regardless of whether AI was used in their creation. Any consequences arising from the use of AI-generated content are your responsibility.
  • AI Availability. AI Features may be unavailable, degraded, or changed at any time due to third-party service dependencies, model updates, or operational decisions. We do not guarantee uninterrupted access to AI Features.
8. Tax Compliance Tool Disclaimer

IMPORTANT — PLEASE READ CAREFULLY:

SwiftBill provides certain tax-related tools and features, including but not limited to VAT calculations, ZATCA (Saudi Arabia's Zakat, Tax and Customs Authority) QR code generation, and UAE FTA (Federal Tax Authority) compliance formatting. By using these features, you expressly acknowledge and agree to the following:

  • Not a Tax Advisor. Sheboftek and SwiftBill are NOT licensed tax advisors, certified public accountants, chartered accountants, tax consultants, or certified tax compliance providers in any jurisdiction. We do not hold any professional certifications, licenses, or registrations required to provide tax advice or tax compliance services.
  • No Tax, Legal, or Financial Advice. Nothing in SwiftBill — including any calculations, QR codes, formatting, templates, reports, or AI-generated content — constitutes tax advice, legal advice, financial advice, or professional compliance guidance. No information provided through the Service should be interpreted as such.
  • Tools, Not Certification. ZATCA compliance features, UAE FTA formatting, VAT calculation tools, and all other tax-related features are provided solely as convenience tools to assist you in preparing documents. They are not certified, validated, endorsed, or approved by ZATCA, the UAE FTA, or any other tax authority anywhere in the world.
  • No Validation Guarantee. We do not guarantee that any invoice, receipt, or other document generated by SwiftBill will pass validation, audit, or inspection by any tax authority, regulatory body, or government agency. Compliance requirements vary by jurisdiction and change frequently.
  • User Verification Required. You are solely and entirely responsible for verifying that all documents created using SwiftBill comply with the tax laws, regulations, and requirements applicable in your jurisdiction. This includes verifying tax identification numbers, tax rates, QR code content, invoice formatting requirements, and all other compliance elements.
  • No Liability for Tax Consequences. Sheboftek and SwiftBill accept no liability whatsoever for any tax penalties, fines, interest charges, assessments, audits, sanctions, or any other adverse consequences arising from your use of or reliance on the tax compliance tools in SwiftBill. You use these features entirely at your own risk.
  • Regulatory Changes. Tax laws and regulations are subject to frequent changes, reinterpretations, and updates by tax authorities. SwiftBill may not reflect the latest regulatory changes, amendments, or requirements at any given time. It is your obligation to stay informed of applicable tax law changes and to verify that your documents comply with current requirements.
  • Professional Consultation Required. We strongly recommend that you consult with a qualified tax professional, licensed accountant, or legal advisor for all tax compliance matters. Do not rely on SwiftBill as your sole source of tax compliance.
9. Intellectual Property

Our Intellectual Property. SwiftBill, including its source code, object code, design, user interface, graphics, icons, logos, trademarks, service marks, trade names, PDF templates, animations, documentation, and all other elements of the application, is the exclusive property of Sheboftek and is protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted to you in these Terms are reserved.

Your Documents. As stated in Section 6, you retain full ownership of the documents and business data you create using SwiftBill. The content of your invoices, estimates, contracts, and other documents belongs to you.

Template Intellectual Property. The 15 PDF templates provided in SwiftBill (Classic, Minimal, Modern, Bold, Elegant, Corporate, Freelancer, Commercial, Executive, Navy, Fresh, Refined, Contractor, Studio, Hourly) remain the intellectual property of Sheboftek. Your subscription grants you a non-exclusive, non-transferable, revocable license to use these templates for generating your business documents. You may not extract, reproduce, distribute, sell, or sublicense the template designs themselves, whether in whole or in part.

Feedback. If you provide us with feedback, suggestions, or ideas regarding SwiftBill, you grant us an irrevocable, perpetual, worldwide, royalty-free license to use, modify, and incorporate such feedback into the Service without any obligation to you.

10. Prohibited Uses

In addition to the content-related prohibitions in Section 6, you agree not to:

  • Use SwiftBill to create fraudulent, forged, or fictitious invoices, receipts, or financial documents for any purpose including but not limited to tax fraud, insurance fraud, or expense reimbursement fraud
  • Use the Service to facilitate money laundering, terrorist financing, sanctions evasion, or any other financial crime
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of SwiftBill
  • Use automated scripts, bots, scrapers, or other automated means to access, collect data from, or interact with SwiftBill
  • Attempt to gain unauthorized access to SwiftBill's servers, databases, systems, or other users' accounts
  • Circumvent, disable, or interfere with any security features, access controls, or usage limitations of the Service, including subscription tier restrictions
  • Reproduce, distribute, publicly display, or create derivative works based on SwiftBill or any of its components without our express written permission
  • Use the Service to transmit viruses, malware, or other harmful code
  • Sublicense, rent, lease, sell, or otherwise transfer your access to SwiftBill to any third party
  • Use SwiftBill in any manner that violates applicable local, state, national, or international law or regulation
  • Interfere with or disrupt the integrity or performance of the Service or the servers and networks used to make SwiftBill available

Violation of these prohibitions may result in immediate termination of your account and access to SwiftBill, and may expose you to civil and criminal liability.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SHEBOFTEK EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, SHEBOFTEK DOES NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE; (D) ANY DOCUMENTS GENERATED BY THE SERVICE WILL COMPLY WITH THE LAWS OR REGULATIONS OF ANY JURISDICTION; (E) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; (F) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; OR (G) THE AI-POWERED FEATURES WILL PRODUCE ACCURATE, COMPLETE, OR LEGALLY COMPLIANT OUTPUT.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF SWIFTBILL IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED, GENERATED, OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA THAT RESULTS FROM THE USE OF ANY SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SHEBOFTEK OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. In such jurisdictions, our warranties are limited to the fullest extent permitted by applicable law.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SHEBOFTEK, ITS OWNER, AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OR CONTRACTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE SWIFTBILL, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF SHEBOFTEK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, SHEBOFTEK SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM: (A) TAX PENALTIES, FINES, INTEREST, OR ASSESSMENTS RESULTING FROM YOUR USE OF TAX COMPLIANCE TOOLS; (B) ERRORS OR INACCURACIES IN AI-GENERATED CONTENT; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; (D) LOSS OF BUSINESS OPPORTUNITIES OR CLIENT RELATIONSHIPS; (E) RELIANCE ON ANY INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICE; OR (F) ANY THIRD-PARTY CONDUCT OR CONTENT.

IN NO EVENT SHALL SHEBOFTEK'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF SWIFTBILL EXCEED THE TOTAL AMOUNT YOU HAVE ACTUALLY PAID TO SHEBOFTEK FOR THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR FIFTY UNITED STATES DOLLARS ($50.00 USD), WHICHEVER IS GREATER.

THE LIMITATIONS SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, AND EVEN IF SHEBOFTEK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the fullest extent permitted by applicable law.

13. Indemnification

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

  • Your use of the Service or any activity under your account
  • Your User Content, including any documents, invoices, or other materials you create, send, share, or distribute using SwiftBill
  • Your violation of these Terms of Service
  • Your violation of any applicable law, regulation, or third-party rights
  • Your non-compliance with tax laws or regulations, including any penalties, fines, or assessments imposed by any tax authority as a result of documents created using SwiftBill
  • Any claim that your User Content caused damage to a third party
  • Your failure to maintain accurate financial records or comply with reporting obligations in your jurisdiction
  • Your reliance on AI-generated content without proper review and verification

This indemnification obligation will survive the termination or expiration of these Terms and your use of SwiftBill.

14. Termination

Termination by Us. We may suspend or terminate your access to SwiftBill, in whole or in part, at any time, with or without cause, and with or without notice, if we reasonably believe that: (a) you have violated these Terms; (b) you are using the Service for fraudulent or illegal purposes; (c) your continued use poses a security risk to us or other users; or (d) we are required to do so by law, regulation, or legal process. We will make reasonable efforts to notify you of termination where practicable.

Termination by You. You may stop using SwiftBill at any time. You may delete your account through the app settings or by contacting us at support@getswiftbill.app. To stop subscription billing, you must cancel your subscription through your Apple ID settings at least 24 hours before the next renewal date. Deleting the app or your account does not automatically cancel your subscription.

Effect of Termination. Upon termination of your account: (a) your right to use SwiftBill immediately ceases; (b) your cloud-synced data will be scheduled for deletion from our servers in accordance with our Privacy Policy, typically within 30 days; (c) any data stored locally on your device will remain until you delete the app; (d) provisions of these Terms that by their nature should survive termination will continue to apply, including Sections 6, 7, 8, 9, 11, 12, 13, 15, and 16.

Data Export. We recommend exporting your documents and data before account deletion. Once your data is deleted from our servers, it cannot be recovered.

15. Governing Law

These Terms of Service and any disputes arising out of or relating to them or your use of SwiftBill shall be governed by and construed in accordance with the laws of the Arab Republic of Egypt, without regard to its conflict of law provisions. Any legal proceedings arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Cairo, Egypt.

If you are a consumer in the European Union, European Economic Area, or the United Kingdom, nothing in these Terms affects your rights under mandatory consumer protection laws of your country of residence.

16. Dispute Resolution

Informal Resolution. Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us at support@getswiftbill.app. We will attempt to resolve the dispute through good-faith negotiation within 30 days of receiving your written notice of dispute.

Formal Proceedings. If the dispute cannot be resolved informally within 30 days, either party may pursue the dispute through the courts specified in Section 15 (Governing Law). You agree that any claim or cause of action arising out of or related to your use of SwiftBill or these Terms must be filed within one (1) year after the cause of action accrues, or be permanently barred.

Individual Basis. All disputes shall be resolved on an individual basis. You agree not to participate in any class action, collective action, or representative proceeding against Sheboftek, whether as a plaintiff, class member, or otherwise.

17. Severability

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, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

18. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Sheboftek regarding your use of SwiftBill. These Terms supersede all prior or contemporaneous agreements, communications, proposals, and representations, whether electronic, oral, or written, between you and Sheboftek with respect to the Service. Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

19. Changes to Terms

We reserve the right to modify, amend, or replace these Terms of Service at any time at our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page.

For material changes that significantly affect your rights or obligations, we will provide notice through one or more of the following methods: (a) an in-app notification; (b) a prominent notice on our website; or (c) an email to the address associated with your account, if available.

Your continued use of SwiftBill after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service and delete your account. It is your responsibility to review these Terms periodically for changes.

20. Contact Information

If you have any questions, concerns, or complaints about these Terms of Service, or if you wish to report a violation, please contact us:

We aim to respond to all inquiries within 5 business days.