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SwiftBiznessReferral & CRM for business growth

SwiftBizness legal

Terms and Conditions

The rules for owners, managers, staff, referrers, and connected businesses using SwiftBizness to manage referrals, customer relationships, loyalty, and growth operations.

Last updated: June 29, 2026

1. Agreement

SwiftBizness provides software for referral management, customer relationship management, loyalty, staff manual capture, branch operations, API ingestion, order draft review, fraud review, wallet records, and payout tracking.

By creating an account, joining a workspace, using a staff portal, registering as a referrer, or connecting an integration, you agree to these Terms and the related Privacy, Security, and Acceptable Use policies.

If you use SwiftBizness for a business or organization, you confirm that you are authorized to accept these terms for that business.

2. Business responsibility

Each business is responsible for the accuracy of its customer records, referral campaigns, reward promises, staff permissions, branch settings, order records, payout timing, and communications.

SwiftBizness provides workflows, controls, logs, and evidence trails. It does not become a party to offline sales, cash disputes, employment decisions, customer promises, bank transfers, refunds, tax filings, or third-party messaging obligations.

Businesses must configure reward rules clearly before launching campaigns, including minimum qualifying spend, commission amount, campaign validity, payout method, and eligibility rules.

SwiftBiznessReferral & CRM for business growth

Referral CRM, loyalty, customer retention, and business growth software.

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3. Referral fairness and payout duty

Business owners and managers must treat referrers faithfully and fairly. A business must not deliberately hide qualified referrals, manipulate order values, delay valid wallet credits, change rules after qualification, or use technical tricks to avoid paying a commission that was honestly earned under the published campaign rules.

Referral rewards are not automatic entitlements. A referral must pass the configured business rules, new-customer eligibility checks, minimum purchase threshold, duplicate checks, self-referral checks, receipt checks, payment verification, and staff or admin approval before commission is credited.

If a mistake is found later, authorized admins may reopen, approve, reject, or correct a referral only through logged override flows. Every override should record who acted, when, why, and what changed.

4. Staff and branch access

Owners and managers are responsible for inviting only authorized staff, assigning the correct branch access, setting work hours, reviewing staff actions, and removing access when authorization ends.

Staff must use only their own registered SwiftBizness account. Staff must not share credentials, approve false records, bypass work-hour controls, alter receipts dishonestly, or approve financial actions outside their permission level.

Staff manual capture is for lightweight customer and referral records. It should not be used to create fake customers, inflate sales, or manipulate referral commissions.

5. AI and automation

AI order capture, receipt intelligence, duplicate detection, and growth suggestions are assistive features. AI may extract, classify, flag, or suggest, but humans remain responsible for approval.

SwiftBizness AI must not be treated as final authority for payments, refunds, customer deletion, referral approval, commission modification, disciplinary action, or payout decisions.

Businesses that connect WhatsApp, website forms, QR flows, payment services, or other integrations remain responsible for provider terms, consent, templates, opt-outs, fees, and lawful communication.

6. Plans, billing, and integrations

Some features may depend on plan level, usage limits, branch limits, staff limits, referral volume, API access, AI capture, WhatsApp capture, storage, or third-party services.

Third-party services such as Paystack, WhatsApp Cloud API, hosting, messaging, email, SMS, bank transfer, and analytics providers may have their own terms, fees, restrictions, and availability.

A business must keep its payment, billing, integration, and webhook settings accurate and must not attempt to bypass plan limits, rate limits, or API restrictions.

7. Disclaimers

SwiftBizness is provided as business software. It is not legal, tax, accounting, banking, insurance, employment, investment, or financial advice.

No software can guarantee uninterrupted availability, perfect AI extraction, complete fraud prevention, mistake-free staff use, or error-free third-party integrations.

To the fullest extent permitted by law, SwiftBizness is not responsible for dishonest payout decisions by a business, inaccurate data entered by users, shared credentials, offline cash disputes, third-party provider failure, or losses caused by a business ignoring required controls.

8. Suspension and enforcement

SwiftBizness may restrict, suspend, or terminate access where there is credible evidence of fraud, platform attack, abuse, illegal use, data misuse, sanctions risk, spam, unauthorized access, or serious policy violation.

We may preserve logs, fraud signals, referral records, payout records, and audit trails where needed for security, dispute review, legal compliance, or abuse prevention.

We may update these terms and related policies as the product, law, infrastructure, security controls, or business model changes.

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.