Terms of Service

Effective date: October 5, 2026

These Terms of Service ("Terms") govern your use of the Swift Eleven mobile app, the website at swifteleven.com and related services (together, the "Services"), provided by Swift Eleven, 453 S Spring St, Los Angeles, CA 90013, United States ("Swift Eleven", "we", "us").

By creating an account or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old, a resident of the United States, and able to enter into a binding contract to use the Services. You may use the Services only for yourself, not on behalf of another person, unless you are legally authorised to act for them.

2. What the Services are

The Services let you submit a request for a loan or funding, provide supporting information and documents, follow the status of your request, and communicate with our team.

• Not an offer: submitting a request is not an application approval, an offer of credit or a commitment to provide funding.
• No guarantee: each request is reviewed individually, and approval is not guaranteed.
• Separate agreement: any funding, including its amount, cost, fees and repayment terms, is described in a separate written agreement that you can review before accepting. That agreement governs the funding itself.
• Our decision: we may decline any request at our discretion, as permitted by law.

3. Your account

You are responsible for keeping your password confidential and for all activity under your account. Tell us immediately at support@swifteleven.com if you believe your account has been accessed without permission. We may suspend or close an account to protect you, us or others, for example in case of suspected fraud.

4. Accurate information

You agree that all information and documents you provide are true, accurate, complete and your own (or that you are authorised to provide them), and that you will keep them up to date. Providing false or misleading information, or documents that are not genuine, may lead to your request being declined, your account being closed, and, where applicable, reporting to the authorities.

5. Communications

By submitting a request, you agree that we may contact you about your account and requests in these ways:

• phone calls to the number you provide, at or near the time you selected;
• email;
• in-app chat;
• push notifications.

You can turn off push notifications in your phone settings and ask us to stop non-essential calls by contacting support. Service messages, such as password-reset codes and important account notices, are part of the Services.

6. Optional contacts sharing

If you choose to share your phone's contacts, you confirm that you are allowed to share that information with us for the purpose described in the app. You can stop sharing and delete the shared contacts at any time, as described in the Privacy Policy.

7. Acceptable use

You agree not to:

• use the Services for any unlawful, fraudulent or deceptive purpose;
• impersonate anyone or submit someone else's information without authorisation;
• upload malware or any file you do not have the right to share;
• try to access accounts, data or systems that are not yours, or test, scan or disrupt the Services;
• copy, modify, reverse engineer or resell the Services, except as allowed by law;
• harass or abuse our staff in chat or by phone.

8. Your content

You keep ownership of the documents, messages and other content you submit. You give us a limited licence to store, process, review and share that content only as needed to provide the Services and as described in the Privacy Policy.

9. The app

The Android app is distributed directly from swifteleven.com, not through an app store. Download it only from our official website. We may release updates, and some features may require the latest version. We grant you a personal, non-transferable, revocable licence to use the app for its intended purpose.

10. Our intellectual property

The Services, including the Swift Eleven name, logo, design, software and content (excluding your content), belong to Swift Eleven and are protected by law. These Terms do not give you any rights to them other than the right to use the Services.

11. Disclaimers

The Services are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not guarantee that the Services will be uninterrupted or error-free, or that any request will be approved or funded within any particular time.

12. Limitation of liability

To the fullest extent permitted by law, Swift Eleven will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or goodwill, arising from your use of the Services. Our total liability for any claim relating to the Services is limited to one hundred US dollars (US $100). Some jurisdictions do not allow these limitations, so they may not apply to you.

13. Indemnity

You agree to indemnify and hold Swift Eleven harmless from claims, losses and expenses (including reasonable attorneys' fees) arising from your misuse of the Services, your violation of these Terms, or information you provided that was false or not yours to provide.

14. Ending your use

You may stop using the Services at any time and ask us to close your account. We may suspend or end your access if you breach these Terms or if required by law. Sections that by their nature should survive (such as 8, 10–13 and 15) survive termination.

15. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Los Angeles County, California, and you and we consent to their jurisdiction. Before filing a claim, please contact us so we can try to resolve the issue informally.

16. Changes to these Terms

We may update these Terms from time to time. We will change the effective date above and, for material changes, notify you in the app or by email before the change takes effect. If you keep using the Services after the change, you accept the updated Terms.

17. Contact us

Swift Eleven
453 S Spring St, Los Angeles, CA 90013, United States
Email: support@swifteleven.com
Phone: +1-646-410-7737