Terms & Conditions

1. About these terms

These terms are an agreement between you and Swiftmec Tech Solutions Limited (RC 9059283), the company that operates Swift Check. By creating an account or using Swift Check, you agree to them. If you do not agree, please do not use the service.

Our privacy policy explains how we handle your personal data.

2. Our services

Swift Check lets you buy and manage:

• Travel eSIM data plans and top-ups
• IMEI and device checks
• Airtime, data, electricity, cable TV and other bill payments in Nigeria
• Other digital services shown in the app where available, such as virtual numbers, gift cards and vehicle history reports
• A wallet that holds your balance for all of the above

Each service is delivered with the help of a third-party provider, and its page in the app describes what you get. We may add, change or withdraw services over time.

3. Your account

You must be 18 or older to open an account. Give us accurate details and keep them up to date. You are responsible for keeping your password safe and for activity on your account. Tell us straight away at contact@swifttcheck.com if you think someone else has used it.

You must not use Swift Check for fraud, money laundering, to buy services with stolen payment details, to resell services in breach of these terms, or for anything illegal. We may limit, suspend or close an account we reasonably believe is being misused, and we may set spending limits on some services to prevent fraud.

4. Prices and payment

Prices are shown before you pay, usually in Nigerian naira. Prices for services that come from providers abroad can change with exchange rates and provider costs, so the price you see at checkout is the one that applies.

Wallet top-ups are processed by our payment partners, Flutterwave and Paystack. We never see or store your full card details. Purchases are paid from your wallet balance.

5. Refunds

5.1 Failed purchases

If a purchase fails and the service is not delivered, we return the amount to your wallet. If you think a failed purchase was charged and not returned, contact us with the order reference.

5.2 eSIMs

You can ask for a refund of an eSIM plan within 24 hours of purchase if it has not been installed, activated or used. Activated or used plans, and requests after 24 hours, are not refundable.

5.3 Device checks, gift cards and vehicle reports

These are delivered as soon as you pay: the check result, the gift card code or the report. Once delivered they are not refundable. Results come from third-party data sources, so we cannot guarantee they are complete, and vehicle history reports mainly cover vehicles from the United States and Canada.

5.4 Virtual numbers

Virtual numbers are rented for a fixed period, and rental fees are not refundable. If you cancel early, you keep the number and its inbox until the period ends. Numbers that are not renewed are released and may be given to someone else after a holding period.

5.5 Bill payments

Airtime, data and bill payments are sent to the number or account you enter, so please check it before you pay. Payments sent to a wrong number or account you entered usually cannot be reversed.

5.6 Wallet balance

Wallet top-ups are generally not refundable, but we will look at duplicate payments, technical errors and unauthorised payments case by case. Approved refunds of a top-up go back to the original payment method, which usually takes 5 to 10 business days depending on your bank. Refunds of purchases paid from your wallet go back to your wallet.

5.7 How to ask for a refund

Email contact@swifttcheck.com or open a support ticket in your account, with your order reference and the reason.

5.8 Chargebacks

Please contact us before disputing a payment with your bank, as most problems can be solved quickly. If a chargeback is raised for a service that was delivered, we may suspend the account while we investigate.

6. eSIM services

eSIM plans also follow the terms of the network provider. Each plan works only in the coverage area and for the validity period shown, on a device that supports eSIM and is not network-locked. Network speed and availability depend on the local operator.

7. Liability

We provide Swift Check with reasonable care, but services that rely on third-party networks and data sources may sometimes be unavailable or inaccurate. To the extent the law allows, we are not liable for indirect or consequential losses, and our total liability for any claim is limited to the amount you paid for the service the claim relates to. Nothing in these terms limits rights you have under Nigerian consumer protection law.

8. Changes to these terms

We may update these terms. We will change the "Last updated" date above and, for material changes, tell you by email or in the app. If you keep using Swift Check after a change takes effect, the new terms apply.

9. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria. If we cannot resolve a dispute together, it will be handled by the courts of Lagos State, Nigeria.

10. Contact us