Acceptable Use and Fair Referral Policy

The conduct rules that protect businesses, customers, referrers, staff, payout integrity, customer data, and platform trust.

Last updated: June 29, 2026

Terms

Privacy

Security

Acceptable Use

1. Honest referral activity

Users must not create fake customers, self-referral schemes, duplicate claims, fake receipts, inflated purchase amounts, hidden rejection reasons, or manipulated payout records.

A customer can only generate a referral commission when the configured eligibility rules are satisfied. Returning customers should contribute to loyalty and retention, not repeated referral commissions.

Rejected referrals must remain visible with clear reasons so referrers can understand the decision and admins can correct mistakes through logged overrides.

2. Prohibited conduct

Users must not attack the platform, scrape data, bypass rate limits, reverse engineer protected systems, access another business workspace, abuse API keys, upload malware, phish users, or attempt unauthorized access.

Users must not use SwiftBizness for illegal sales, deceptive marketing, harassment, discrimination, identity theft, unlawful surveillance, spam, sanctions evasion, or customer rights violations.

Businesses must not sell, rent, leak, or misuse customer lists collected through SwiftBizness.

3. Communications

WhatsApp, SMS, email, social, and broadcast messages must be lawful, relevant, respectful, and based on the right consent or legitimate basis.

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Businesses must clearly identify themselves in customer communications and must honor opt-out, unsubscribe, and stop requests where required.

Referral campaigns should not mislead customers or referrers about reward amounts, eligibility, payout timing, validity periods, or business responsibility.

4. Enforcement

SwiftBizness may throttle, block, suspend, or terminate activity that appears abusive, fraudulent, unlawful, risky, or harmful to customers, referrers, businesses, or platform integrity.

We may preserve evidence and cooperate with lawful requests where required.

Serious abuse may result in loss of access, blocked integrations, revoked API keys, preserved audit records, and refusal of future service.

Operating baseline

SwiftBizness principles

Businesses own their customer relationships and must use customer data lawfully.

Referral commissions must be handled honestly, with clear rules and audit trails.

AI and automation can assist, but humans must approve financial and high-impact decisions.

Staff access must be limited to the right people, branches, permissions, and work hours.

Security, privacy, and fair reward treatment are operating requirements, not optional extras.

Compliance direction

References considered

Nigeria Data Protection Act 2023 and NDPC guidance

African Union Convention on Cyber Security and Personal Data Protection

GDPR principles where EU/EEA data or users are involved

UK GDPR and Data Protection Act principles where applicable

Relevant consumer protection, marketing, payment, tax, and employment laws in each business location

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OWASP and NIST-aligned security practices for web application risk management

Important disclaimer

These pages are product operating requirements and general compliance direction. They are not legal, tax, accounting, employment, banking, or financial advice.