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The rules of using Swapitway

Terms & Conditions

Please read these terms carefully. They are a binding agreement between you and Nairance Limited and apply whenever you use the Swapitway website or mobile app.

Last updated: November 3, 2026

1. Acceptance of these terms

These Terms & Conditions (“Terms”) govern your access to and use of Swapitway (the “Platform”), operated by Nairance Limited (“we”, “us”, “our”). By creating an account, ticking the agreement box or using the Platform, you agree to these Terms, our Privacy Policy, Cookie Policy, AML & KYC Policy and Risk Disclosure. If you do not agree, do not use the Platform.

2. Eligibility

  • You must be at least 18 years old and able to enter a legally binding contract.
  • You must not be located in, or a resident of, a country or region where using the Platform would be unlawful, or be on any sanctions list.
  • You may hold only one account. Creating several accounts, or using someone else's account, is not allowed.
  • You must give accurate, complete and current information and keep it up to date.

3. Your account and security

You are responsible for everything that happens under your account. Keep your password, transaction PIN and any device used for fingerprint / PIN quick login private and secure. Tell us immediately at swapitway@gmail.com or through a support ticket if you suspect unauthorised access. We are not liable for losses caused by you sharing your credentials or by a device you left unlocked or unprotected.

We may require extra verification before some actions (such as large withdrawals) and may lock an account that shows signs of unauthorised access.

4. Identity verification

To comply with the law and protect the Platform, we may require you to verify your identity (KYC) before you can use some features or reach certain limits. We may refuse, limit or close an account if verification fails, if documents appear altered or belong to someone else, or if we cannot satisfy ourselves about the source of funds. See our AML & KYC Policy.

5. What the Platform offers

Depending on your region, verification level and what we have enabled, the Platform may let you: hold a fiat wallet; sell gift cards; buy, sell and hold cryptocurrency; stake or vault crypto; sell digital funds (such as PayPal, Chime or Revolut balances); pay bills and buy airtime or data; send money to other users; apply for short-term loans; earn points and referral rewards; and use virtual cards. We may add, change, limit or withdraw any feature or provider at any time, including for maintenance, compliance or risk reasons.

6. Rates, fees and quotes

Rates, limits and fees are shown in the Platform before you confirm a transaction. Rates change often and a displayed figure is an estimate until we approve the transaction; the final amount is calculated using the rate shown when you submitted it, adjusted for any difference between what you said you sent and what we actually received. We may correct obvious errors in a rate or amount (for example a typo in a rate) and will tell you if that affects your transaction.

7. Gift cards

  • You may only sell gift cards that you own lawfully, that are valid, unused and not already redeemed, reported or blocked.
  • The card type, region, value, and any code or image you submit must be accurate. Wrong category, wrong amount, a used card, or a duplicate submission can lead to a lower payout or a decline.
  • We review every submission. We may approve, adjust or decline it, and may reverse a payout if a card is later found to be invalid, recalled, fraudulent or charged back.
  • Never submit a card obtained through fraud, scams, theft, or a purchase made with stolen or unauthorised payment details.

8. Cryptocurrency, staking and vaults

  • Crypto transactions are generally irreversible. Check the asset, network and wallet address carefully before sending; funds sent to a wrong or unsupported address may be lost permanently.
  • Prices are volatile and quotes may expire. Network fees and confirmation times are outside our control.
  • Staking or vault products lock your assets for the term you choose. Early withdrawal may be restricted or penalised as shown at the time you start.
  • We do not give investment, tax or legal advice. See the Risk Disclosure.

9. Digital funds

  • When you sell digital funds you send money to the payment details we show you, then submit the amount, sender details and screenshot(s) as proof.
  • You must send exactly the amount you declare, from an account in your own name, using the payment method and instructions shown (for example “Friends & Family”, no note). Payments sent from third-party, stolen, or unauthorised accounts, or in a different way than instructed, may be declined, held or reversed.
  • We pay your wallet only after we confirm the funds have arrived. If a different amount arrives we may correct your submission and pay on the amount actually received.
  • If a payment is later recalled, disputed or charged back by the sender's provider, we may reverse the payout, deduct the amount from your balance, and recover it by other lawful means.
  • You can edit or cancel a submission only while it is pending. Once approved it cannot be cancelled.

10. Loans

  • Loans are subject to eligibility checks, product limits and our approval. Applying does not guarantee approval.
  • You may only have one pending or unpaid loan at a time. A new application is allowed once the previous loan has been repaid or declined.
  • The principal, fee, total repayable and due date are shown before you apply. If you do not repay by the due date, a late fee and other consequences set out for that loan product can apply.
  • You authorise us to collect amounts you owe from your wallet balance and, where you chose an automatic repayment plan, from future payouts or on a daily basis.
  • An unpaid loan may be marked as defaulted, can reduce or remove your borrowing eligibility, and we may take steps to recover what you owe, including restricting your account.

11. Bills, airtime and transfers

Bill payments and airtime or data purchases are fulfilled by third-party providers. Check the meter, phone or account number before paying; a payment delivered to the number or account you entered cannot normally be reversed. Transfers to another user are final once completed. We are not responsible for delays or failures by third-party providers, but we will help you pursue a refund where one is due.

12. Wallet, deposits and withdrawals

Balances shown in your wallet are subject to our confirmation of the underlying transactions. Withdrawals are paid to the bank account or wallet details you supply, which must be in your own name. Minimum amounts, limits, fees and processing times apply and are shown in the Platform. We may delay, hold or refuse a withdrawal for security, verification, compliance or fraud-prevention reasons, or where required by law. We are not liable for payouts sent to details you entered incorrectly.

13. Points, referrals and promotions

Points, bonuses and referral rewards have no cash value unless we say so, may be changed or ended at any time, and may be withdrawn if earned through abuse, self-referral, fake accounts or any breach of these Terms.

14. Acceptable use

You must not:

  • use the Platform for fraud, money laundering, terrorist financing, sanctions evasion or any other unlawful activity;
  • submit forged, altered, stolen or misleading cards, screenshots, documents or payment details;
  • open multiple accounts, sell or share your account, or let someone else use it;
  • interfere with or attack the Platform, attempt to bypass security or rate limits, scrape data, or reverse-engineer the app;
  • harass or abuse our staff or other users, or use the support system to send spam or threats;
  • use bots, scripts or automated tools to submit transactions.

15. Suspension and termination

We may suspend, restrict or close your account, withhold or reverse funds, and report to the relevant authorities if we reasonably believe you have breached these Terms, that your account is being used unlawfully or fraudulently, or if we are required to by law. Where permitted, we will tell you why. You may close your account at any time by contacting support once you have no pending transactions or unpaid balances. Sections that by their nature should continue (such as repayment, liability and dispute terms) survive closure.

16. Support and complaints

If something goes wrong, open a support ticket from your account so we can look into it with a record of what happened. We aim to respond quickly and to resolve complaints fairly. If you are unhappy with the outcome you can escalate within the ticket or write to swapitway@gmail.com.

17. Intellectual property

The Platform, including its name, logo, design, text and software, belongs to Nairance Limited or its licensors and is protected by law. We give you a limited, personal, non-transferable, revocable licence to use the Platform as permitted by these Terms. Third-party brand names and logos shown (for example gift card brands) belong to their owners and are used only to identify the products concerned; we are not affiliated with or endorsed by them.

18. Disclaimers

The Platform is provided “as is” and “as available”. To the fullest extent the law allows, we do not promise that it will be uninterrupted, error-free or free of harmful components, or that rates, payment times or third-party services will always be available or accurate. Estimated payment times are targets, not guarantees.

19. Limitation of liability

To the fullest extent permitted by law, Nairance Limited, its directors, employees and partners are not liable for indirect, incidental, special or consequential loss, loss of profit, or loss of data, or for losses caused by events outside our reasonable control (including network congestion, blockchain failures, provider outages, or changes in law). Our total liability for any claim relating to a transaction is limited to the amount of that transaction. Nothing in these Terms limits liability that cannot lawfully be limited, such as for fraud or for death or personal injury caused by negligence.

20. Indemnity

You agree to compensate us for losses, claims and costs (including reasonable legal fees) arising from your breach of these Terms, your unlawful use of the Platform, or any content or payment you submit that you were not entitled to use.

21. Governing law and disputes

These Terms are governed by the laws of the country in which Nairance Limited is registered. We encourage you to contact us first to resolve any dispute informally. If it cannot be resolved, the courts of that jurisdiction have exclusive authority, except where mandatory consumer law in your country gives you the right to bring a claim locally.

22. Changes to these Terms

We may update these Terms from time to time. We will post the new version here with a new date and, for material changes, notify you in the app or by email. If you keep using the Platform after the change takes effect, you accept the updated Terms. If you do not agree, stop using the Platform and close your account.

23. General

These Terms, together with the policies linked above, are the entire agreement between you and us about the Platform. If any part is found unenforceable, the rest remains in force. Our failure to enforce a right is not a waiver of it. You may not transfer your rights under these Terms; we may transfer ours to a successor of the business.

24. Contact

Nairance Limited
Rue du Bienne 187 Ottergem East Flanders 9420, Belgium
Email: swapitway@gmail.com
Phone: +32466906443