Terms of Service

1. About SW Global Pay

SW Global Pay is a technology platform operated by SAMWELL NM GLOBAL NETWORK that provides tools for independent professionals, freelancers, agencies, service businesses and their clients to create and manage invoices, payment links, customer records, payment workflows, receipts, transaction records and related business operations.

Certain payment-processing services made available through SW Global Pay are provided using third-party payment-service providers. Where Flutterwave is enabled, Flutterwave provides underlying payment-processing infrastructure.

SW Global Pay is not represented by these Terms as a bank, deposit-taking institution, card network, issuing bank or licensed payment-service provider unless expressly stated otherwise in writing.

2. Acceptance

By creating an account, accessing SW Global Pay, sending or receiving a payment through the platform, creating an invoice or payment link, using a Protected Payment workflow, or otherwise using the Services, you agree to these Terms and all policies incorporated into them.

If you use SW Global Pay on behalf of a company or another legal entity, you represent that you have authority to bind that entity.

You must be at least 18 years old and legally capable of entering into a binding agreement.

3. Accounts

You must provide accurate, complete and current information.

You are responsible for maintaining the confidentiality of your account credentials and for activity conducted through your account, except to the extent that activity results from a security failure for which SW Global Pay is legally responsible.

You may not share accounts in a way that defeats security, verification, audit or access-control requirements.

We may require email verification, phone verification, identity verification, business information or additional information before particular features become available.

4. Platform services

Depending on availability and account eligibility, SW Global Pay may provide invoicing, payment links, customer management, transaction records, receipts, Protected Payments, dispute management, reporting, balances, payout-management tools and other services.

Not every feature displayed in the interface is necessarily enabled for every account. Features involving payments, payouts, Protected Payments, settlement, verification or other regulated activities may be disabled, limited or subject to additional approval.

5. Third-party payment processing

Payment transactions may be processed by Flutterwave or another approved payment processor.

Payment processors, acquiring banks, issuing banks and payment networks may apply their own rules, processing times, exchange rates, settlement periods, transaction limits, restrictions, refunds and chargeback procedures.

SW Global Pay cannot override decisions made by an issuing bank, card network, acquiring institution or payment processor where those institutions have final authority.

Payment-processor terms may provide for chargebacks, recovery of chargeback amounts and related costs, including deductions from settlements or other recovery mechanisms.

6. Standard payments

Where a buyer selects a standard payment method, a successfully verified payment may become attributable to the merchant according to SW Global Pay’s balance and settlement rules.

A successful payment does not necessarily mean that funds are immediately available for withdrawal. Amounts may remain pending while SW Global Pay waits for settlement information, risk checks, dispute information or other required confirmation.

7. Pending and available balances

SW Global Pay may display different internal balance categories, including Pending and Available.

A Pending balance represents an amount that has been attributed to a merchant internally but is not yet eligible for withdrawal.

An Available balance represents an amount that SW Global Pay has determined is eligible for withdrawal, subject to account restrictions, reserves, disputes, chargebacks, reversals and applicable provider requirements.

A dashboard balance is an accounting record within SW Global Pay and does not represent a bank deposit account.

8. Fees

Applicable platform, transaction, payment-processor, payout, refund or other fees will be disclosed before they are charged where reasonably practicable. Payment processors may separately charge processing or network fees.

Users are responsible for applicable taxes arising from their business activities unless the law requires SW Global Pay to collect or remit a tax.

9. Chargebacks

A buyer may retain chargeback or card-dispute rights provided by their card issuer, bank, payment network or applicable law. A SW Global Pay dispute decision does not eliminate those rights.

Where a chargeback, reversal, refund or similar claim affects a merchant transaction, SW Global Pay may place holds on balances, restrict withdrawals, establish a reserve, reverse internal credits, offset future proceeds or otherwise protect the platform against the corresponding liability where permitted by law and these Terms.

A merchant must provide requested evidence promptly.

10. Reserves and risk controls

SW Global Pay may establish reasonable reserves, payout restrictions or account limitations where necessary to address material refund, fraud, chargeback, dispute or financial exposure.

Any reserve will be applied under a documented risk policy and applicable law. We will not intentionally represent reserved funds as Available.

11. Payouts

Payout eligibility depends on Available balance, account status, applicable verification, risk controls, provider capability and any other conditions disclosed by SW Global Pay.

A payout request is not a guarantee that funds have been transferred.

SW Global Pay may delay, decline, cancel or reverse a payout where necessary to address insufficient balance, suspected fraud, account restriction, a chargeback, a refund, regulatory requirements, provider restrictions or an operational failure.

12. Account restrictions

SW Global Pay may restrict, suspend or close an account where reasonably necessary because of fraud, suspected unlawful activity, repeated chargebacks, unacceptable business activity, security compromise, false information, material breach of these Terms, provider requirements or applicable law.

Where legally and operationally appropriate, we will provide notice. Certain restrictions may need to take effect immediately to prevent loss or misuse.

13. User responsibilities

Users must accurately describe goods or services, deliver agreed services, maintain appropriate records, respond to disputes, comply with applicable laws and avoid misleading buyers.

Users may not use SW Global Pay to conceal the true nature of transactions, process payments on behalf of unrelated undisclosed businesses or circumvent payment-provider restrictions.

14. No guarantee of customer performance

SW Global Pay provides workflow and payment-management technology. Unless expressly agreed otherwise, SW Global Pay does not guarantee the quality, legality or completion of services supplied by a merchant or freelancer, or the honesty, solvency or conduct of a buyer.

Protected Payment provides additional workflow controls but cannot eliminate every form of fraud, chargeback or contractual dispute.

15. Intellectual property

SW Global Pay and its licensors retain rights in the platform, software, design, brand, code and documentation.

Users retain ownership of content they upload, subject to the limited rights required for us to host, process, transmit and display that content for purposes of providing the Services. Users must have the rights necessary to upload any content they provide.

16. Suspension and termination

You may stop using SW Global Pay subject to unresolved balances, disputes, refunds, chargebacks and other outstanding obligations.

SW Global Pay may suspend or terminate access for material breaches, fraud, security risks, unlawful use, provider requirements or applicable law.

Termination does not extinguish obligations that arose before termination.

17. Disclaimers

Services are provided subject to applicable law and reasonable operational availability.

We do not guarantee uninterrupted service, uninterrupted third-party payment networks or uninterrupted availability of banks, email providers, hosting providers or payment processors.

Nothing in these Terms excludes rights that cannot lawfully be excluded.

18. Limitation of liability

To the maximum extent permitted by applicable law, SW Global Pay will not be liable for indirect, incidental, consequential, punitive or special losses merely because such losses were foreseeable.

Nothing in this clause limits liability that cannot legally be limited, including liability arising from fraud, wilful misconduct or other non-excludable obligations.

19. Indemnity

Business users agree to indemnify SW Global Pay against losses reasonably arising from their unlawful activities, fraudulent transactions, infringement of third-party rights, material breach of these Terms or violation of payment-network or provider rules, to the extent permitted by law.

20. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria, subject to mandatory consumer rights and any applicable regulatory or payment-network rules.

Before commencing formal proceedings, the parties should first attempt in good faith to resolve the matter through SW Global Pay’s complaints process.