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Last Modified: March 16, 2026
These Terms of Service (“Terms”) govern your access to and use of the Swivl platform, including all websites, mobile applications, software, APIs, artificial intelligence–enabled features, payment services, and related tools (collectively, the “Service”), operated by Work Order Management, LLC d/b/a Swivl (“Swivl,” “we,” “our,” or “us”).
By accessing or using the Service, you agree to be bound by these Terms and the Swivl Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
You must be at least eighteen (18) years old and legally able to enter into binding contracts to use the Service.
If you use the Service on behalf of a business or other entity, you represent and warrant that you have the authority to bind such entity to these Terms.
Swivl may update these Terms at any time by posting a revised version at swivl.tech/terms or by providing notice through the Service. Continued use constitutes acceptance of the revised Terms.
Swivl offers subscription-based plans and optional add-on services. Fees are billed in advance and automatically renew unless canceled before the renewal date.
ALL FEES ARE NON-REFUNDABLE, except where expressly stated in writing.
Swivl reserves the right to change pricing at any time. Updated pricing applies at renewal or when adding services.
You authorize Swivl to retry failed payments and recover past-due amounts. Late payments may accrue interest at the lesser of 1.5% per month or the maximum allowed by law.
Subject to compliance with these Terms, Swivl grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for lawful business purposes.
Swivl does not guarantee uptime, uninterrupted access, or availability of any feature.
The Service may include artificial intelligence, machine learning, automation, predictive analytics, or algorithmic features (“AI Services”), including but not limited to:
AI Services:
ALL AI OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
You are solely responsible for:
Swivl disclaims all liability for damages, losses, disputes, or claims arising from AI-generated content.
You may not use the Service to:
Swivl may suspend or terminate access immediately, without notice, for suspected violations.
Swivl disclaims all liability arising from unlawful or unauthorized use of the Service by Users.
You retain ownership of data you submit to the Service (“User Data”).
You grant Swivl a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license, with the right to sublicense, to:
You acknowledge:
Swivl exclusively owns all anonymized and aggregated data derived from the Service.
Swivl processes personal information in accordance with its Privacy Policy.
Pursuant to the California Consumer Privacy Act (CCPA), California residents have rights to access, delete, and receive information regarding personal data.
Swivl does not sell personal information.
Use of data for analytics, security, and AI training constitutes a business purpose, not a sale.
Swivl may offer payment processing services (“Swivl Payments”) through third-party financial partners (“Third-Party Financial Partners”).
Swivl does not itself process, transmit, or hold funds. Swivl currently uses Stripe, Inc. and its affiliates (“Stripe”) for payment processing and treasury services.
By using Swivl Payments, you agree to be bound by:
These agreements are incorporated by reference.
All Users are subject to underwriting, verification, and ongoing review by Swivl and/or its Third-Party Financial Partners. Approval is discretionary and may be revoked at any time.
Unless expressly stated otherwise, all transactions are card-not-present transactions, which carry increased fraud and chargeback risk. You bear full responsibility for disputes and reversals.
Swivl and its Third-Party Financial Partners may monitor transactions for fraud, compliance, and risk management. Reviews may result in delayed payouts, held funds, account limitations, or termination.
Funds are available only after receipt by Stripe and are subject to fees, reserves, holds, and legal or regulatory requirements. Payout timing is not guaranteed.
Swivl or its partners may establish a reserve to secure your obligations. Reserves may be adjusted or held indefinitely as permitted by law. You grant a security interest in all reserve funds.
Transactions may be reversed or charged back if disputed, unauthorized, unlawful, or in violation of card network rules.
Each chargeback incurs a non-refundable $25 fee, regardless of outcome. If insufficient funds exist, Swivl may debit your connected bank account or offset amounts owed.
Excessive chargebacks may result in increased reserves, additional fees, delayed payouts, or termination of payment access.
You are responsible for all applicable taxes. If required, Swivl or its partners may report transactions to tax authorities, including issuance of IRS Form 1099-K.
Swivl Vault is a financial account provided through Stripe Treasury or other Third-Party Financial Partners. If your Vault account incurs a negative balance, you authorize Swivl to redirect incoming funds, debit linked bank accounts, or offset amounts owed.
Swivl does not provide banking, lending, investment, or financial advisory services.
You agree to indemnify, defend, and hold harmless Swivl from any claims, damages, losses, liabilities, and expenses arising from:
To the maximum extent permitted by law:
All disputes shall be resolved by binding arbitration on an individual basis. You waive the right to jury trials and class actions.
Swivl may suspend or terminate access at any time for violations or suspected misuse. Upon termination, all licenses cease immediately.
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.
Work Order Management, LLC d/b/a Swivl
2302 Parklake Drive NE, Suite 550
Atlanta, GA 30345
Telephone: (404) 383-6112
Email: account-services@swivl.tech