Last updated: 16/03/2026

1. Rider Terms

These Terms of Service (“Terms” or “Agreement”) constitute a legally binding agreement between you (“User”, “Rider”, or “You”) and Move with Swift Limited (“Swift”, “We”, "Us”, or “Our”). When you use our services (even if it’s just browsing), you’re acknowledging that you’ve read and understood this agreement and our Privacy Policy. If you don't agree with these terms, you must not access or use our services.

Swift may restrict or deactivate your account if you violate this agreement or if we deem it necessary to protect the platform, users, or merchants.

We may also amend this agreement from time to time. Your continued use of Swift after the posting of our updated terms means you continue to accept them. We may also issue additional terms for certain activities or services such as promotions. These should be considered part of this agreement except where a conflict exists, in which case the supplementary terms take precedence over these terms.

Use of our services

Swift is a technology service provider, not a transportation company. We enable users to purchase tickets and request transportation services offered by independent providers. We don’t run these transportation services ourselves. We’re only responsible for our booking service, to the extent laid out in this agreement. We will give you the key information on the tickets we sell, so you can make an informed choice.

Through our website www.swifttransport.app and iOS and Android mobile applications, you can check timetables and ticket prices for a journey, and book tickets directly (we will call this our “booking service”). You must download the apps from the Apple App Store or Google Play Store. You must be aged 18 or over to use our booking service.

You’ll have to pay for any costs involved with accessing our booking service (for example, internet access fees and mobile data costs). We’ve tried to cover a wide range of devices, but our services won’t work on all of them. The list of devices our app will work with is available to you in the relevant app store before downloading our mobile apps.

Although we take the greatest care to give you booking options that are accurate in both price and description, we can’t guarantee that all the information presented will be correct. This is because some of it has to be kept up to date by the merchants. All merchants also have access to our different pricing systems, which means that prices may change between the time we show them to you as a search result and your final page before payment. But, we’ll do our best to let you know before you pay, if the price has changed. We may also apply price reductions automatically on your behalf via our booking service.

How to contact us 💬

The fastest way to reach us is at [email protected].

How we'll contact you 💬

Using the Swift platform, email, or phone, we'll contact you in British English. 🇬🇧 If any of your contact details change, you must update your profile information as soon as possible.

Definitions

"Application" or "App" means the software platform developed by Swift to access the Services.

“Data” means all information created, collected, or processed through our apps in connection with listing services, booking and ticketing, payments, payouts, and support.

“Merchant” means a transport provider that lists routes and transportation services on the Swift platform.

“Driver” means an employee, contractor, or representative of a Merchant who operates a vehicle providing the transportation service.

“Transportation Service” means the transportation provided by a Merchant to a Rider through a booking made on the Swift platform.

“Vehicle” means the transport vehicle used by the Merchant to provide the Transportation Service.

“Fare” means the price paid by the Rider for a service booked through the Swift platform.

“Rider” or “User” means the registered user of the Swift platform who may request a the Transportation Service which the Swift platform may assign to the Merchant to provide the Transportation Service.

"Route” or "Vehicle Route" means the route that the Vehicle takes from a common pick up location to a common drop-off location with a number of stops pre-approved by Swift in between.

Creating an account

You must create an account to book tickets with us. We can refuse the creation of your account, or access to our booking service, for any legitimate reason.

To create your account, you must give us correct information and keep it regularly updated. You’ll need a password to create your account. We know you must have a few but it’s important you keep it safe and confidential, as you’re responsible for anything that happens in your account using this password. Let us know as soon as possible if your password’s lost or stolen. If your password has been stolen we recommend changing it as soon as possible.

You might be given the option to create an account using information from your Google or Apple account. If you go for this option, just be aware that Google or Apple will fill in your details automatically, so you’ll need to double check it’s been completed correctly. Please note that signing in via these platforms automatically triggers the creation of a Swift Transport account and to access this account you will need to keep your Google or Apple account active.

While using the website or apps, you accept that you’ll only use our booking service for personal use and you’ll only book tickets on behalf of yourself or someone who has given you their permission. You’re also agreeing that the payment method you pay with is yours (e.g. you are the card holder for a bank card), or that you have the right to use the payment method if you don’t own it.

Tickets

General information

When you book a ticket with us, the merchant's terms and conditions of travel will also apply to you (in addition to these Terms). If the merchant does not have their own terms and conditions clearly linked, our generic merchant terms will apply.

Getting your ticket

All our tickets are 'etickets'. We generate a unique QR code for each ticket which is available on the app. We will also email you as a PDF attachement. A ticket can only be used by one customer for one valid journey. If two or more passengers fraudulently show the same ticket for travel, those tickets could both be treated as invalid and the passengers would then be refused travel. You’re responsible for any fraudulent use of your ticket. Tickets are non-transferable, unless we or the merchants’ terms and conditions state clearly that they are.

Payments

Payment methods

We currently only accept payments in any of the following ways:

Ghanaian Cedis

Mobile Money wallets from MTN and Airtel.

Card payments (Visa, Mastercard).

Changes, refunds and cancellations

Fees

All fares for services exchanged on Swift shall be collected and processed by Swift or its payment processors on behalf of the merchants. We may charge you a processing or booking fee on top of the base service fare / price, but we’ll highlight these to you during the booking process. Some of these fees may also come straight from the merchants. By saving a payment method securely through our payment processors, you authorise Swift to automatically deduct the applicable fare from your linked payment method at the time of payment.

General information

Depending on your merchant and ticket type, you may be able to either cancel and get a refund for your ticket or change your ticket. We’ll tell you the key conditions before you select the tickets, but it’s important you also check the merchant’s terms and conditions directly.

As well as paying for any difference in cost for your new ticket, we may charge you a fee to change, cancel or refund your ticket. These fees are sometimes determined by the merchants and will be detailed in our booking service as well as their terms and conditions.

Refunds exclude booking fees. This means if you paid a booking fee when you booked your ticket, if you request a refund of your ticket, you will not also receive a refund of the booking fee.

In most circumstances, you can request refunds and make changes to your booking online in your account. However some merchants request that you manage your booking directly with them. Some merchants may also have different processes for delays, cancellations and partial refunds. Naturally, we won’t change, cancel, replace or refund if there is or if we reasonably suspect that there may have been fraudulent activity involved.

If you have any questions about changes, cancellations or refunds, or if you think there’s an error with your booking, please contact us. If we agree that the error in your booking was made by us, we’ll give you a replacement ticket, or sort things out as appropriate.

Additional Swift services

Referral scheme

When you refer an eligible friend to book a trip (at a cost threshold set by us) on Swift's app for the first time, both you and your friend will get an eligible voucher. Note that this minimum spend amount may be varied from time to time.

In order to qualify for the scheme, each friend you refer (as a Referrer) must be a new Swift customer, be over the age of 16 and live in Ghana.

Please see any additional terms and conditions stated in the comms for the Referral scheme. Swift reserves the right to refuse the issue of any reward to any Referred Friend or Referrer at any time and to vary any and all elements of this scheme at any time without notice.

Promo codes

From time to time, Swift may offer you a discount code (we’ll call each of these a “Promo Code”). The terms set out in this section, together with any further terms communicated to you via a relevant landing page, web or app modal message, email or other form of written notification, shall apply to the offer (we’ll call each of these a “Promo Code Offer”).

A Swift Promo Code is a unique discount of a specified amount, which you can redeem provided that certain conditions are met. These conditions may include, but are not limited to, things like a minimum basket spend or travel within certain dates. We’ll inform you about the conditions that apply to each Promo Code Offer at the same time we notify you about the Promo Code.

If you make an eligible purchase on our service using a Promo Code and subsequently obtain a refund: you will lose your Promo Code, and you will only be refunded the amount paid for the purchase (the Promo Code value will not be refunded or reinstated to you).

Promo codes cannot be duplicated, sold, transferred or made available on a public forum unless permitted by Swift.

We reserve the right to refuse the use of any Promo Code at any time and to vary any and all elements of each offer at any time without notice.

Intellectual Property

All rights, title and interest in the Swift platform, including the website, mobile applications, software, trademarks, logos and content, remain the property of Swift.

You may not copy, modify, distribute, reverse engineer, scrape, or otherwise exploit any part of the platform except as expressly permitted by Swift.

Nothing in these Terms grants you ownership of any intellectual property belonging to Swift.

You agree not to:
• Reverse engineer, decompile, or attempt to extract source code from the platform
• Use automated systems to scrape or collect data from the platform
• Interfere with the operation or security of the platform
• Access the platform using unauthorized methods
• Resell or commercially exploit the Services without Swift’s permission

Damage to Merchant Property

If you cause damage to a Merchant’s vehicle or property beyond normal wear and tear, Swift may charge you the reasonable cost of repairs or cleaning on behalf of the Merchant.

Lost Property

As a Rider, you are responsible for ensuring you remove your belongings when leaving a vehicle. Swift is not responsible for lost items left in a Merchant’s vehicle. If an item is recovered and returned to Swift, we may store it for a limited period. Unclaimed items may be disposed of after a reasonable period.

Indemnification

You agree to indemnify and hold Swift, its directors, employees and partners harmless from any claims, damages, losses, liabilities or expenses arising from:
• your use of the platform
• your violation of these Terms
• your violation of any law or the rights of a third party

Liability & Disclaimer

Swift is a booking platform only. We do not own, operate, or manage any transport services listed on our platform — these are provided by independent merchants.

By using Swift, you acknowledge and agree that:

Merchants are solely responsible for their transport services, including legal compliance, safety, punctuality, and service delivery. Our responsibility to our Riders and Merchants is to enforce these Terms only as they apply to the use of our platform and booking service.

Any issues with a journey (such as delays, cancellations, or incidents) must be raised directly with the merchant. While we may help facilitate communication, we are not responsible for resolving such disputes.

Our liability is limited to the booking service we provide—not to the actual transport or the actions of merchants.

You are financially responsible for all bookings made through your account, including those resulting from misuse or breaches of our Terms.

We are not liable for any loss or damage that is unforeseeable or unrelated to our booking service.

Our services are provided “as is,” with no guarantees, and limited liability as permitted by law. Swift’s total liability to you for any claim arising out of or related to the Services shall not exceed the total amount paid by you for bookings through the platform in the six (6) months preceding the claim.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and Swift regarding the use of the Services and supersede any prior agreements or understandings.

2. Merchant Terms

These terms of service (the "Terms" or "Agreement") constitute a legal and binding agreement between Move with Swift Company Limited (hereinafter referred to as "Swift") and you, (hereinafter referred to as "You" or the "Merchant" or the "Merchant Company") and takes effect from the date you agreed to the Terms.

Introduction

Swift is a technology service provider, not a transportation company. Our platform simply enables users—whether through the mobile app, web application or any other channel—to purchase tickets and request transportation services offered by independent providers.

You are an independent contractor in the business of providing transportation services for which you have the requisite licenses, insurance and all proper car-related documentation required to provide the Transportation Service. As used in this Agreement, 'You' or 'Your' shall include references to your employees, agents, subcontractors and representatives, who you hereby agree to procure to comply with the terms of this Agreement.

In order to provide services on this platform, you must agree to these terms and conditions and by electronically agreeing to these terms and conditions you and Swift have agreed to be bound by the terms of this Agreement.

Key Definitions

• "App" means the software application developed, owned, controlled, managed, maintained, hosted, licensed and/or designed by Swift to run on smartphones, tablet computers and/or other devices.
• "Driver" means the person who is a member, employee, contractor or business affiliate of, or otherwise retained by the Merchant and who shall render the Transportation Service.
• "Transportation Service" means the transportation service as provided by the Merchant Company upon request of the User through the App.
• "Vehicle" means any motorized vehicle that is in safe and clean condition and fit for passenger transportation as required by applicable laws and regulations.
• "Rider" or "User" means the registered user of the Swift platform who may request Transportation Service.

Merchant Obligations

Legal Compliance and Licensing

The Merchant Company undertakes that it will ensure that its Drivers are fully licensed and eligible to provide the Transportation Services in accordance with all Ghanaian regulations and laws. You must hold, comply and shall continue to hold and comply with all permits, licenses and other governmental authorizations necessary for conducting your transportation business.

Insurance Requirements

Merchant Company undertakes that it shall ensure that its Vehicles are comprehensively insured and that such insurance is in compliance with all the laws and regulations of the Republic of Ghana. You must maintain appropriate and up-to-date liability insurance coverage. The Merchant Company shall add Swift to its liability insurance policy as an additional insured.

Vehicle Standards

Your vehicles must be:

• DVLA-compliant and road-worthy
• Fit for the purpose of safely and securely transporting persons
• Kept in clean condition at all times
• In good operating condition meeting global industry safety standards

Direct Relationship with Users

By using Swift Services to list routes and sell tickets to Users, you accept that a direct legal relationship exists solely between you and the User. Swift is not a party to this relationship and shall not be responsible for the actions, omissions, or conduct of the User.

Confidentiality

You must safeguard, protect and maintain the confidentiality of User Information received from Swift and shall not disclose it to any person, store the information inappropriately, or use the information except as required by law and for providing the Transportation Service.

Service Standards

Professional Standards

Swift desires to provide Riders with the opportunity to connect with Merchant Companies that maintain the highest standards of professionalism. You agree that your Drivers will maintain high standards of professionalism and service, including professional attire and maintaining a high standard of general Rider satisfaction.

Performance Monitoring

You understand that Drivers must maintain a level of Rider Satisfaction to continue receiving access to the Service. If a Driver falls below the applicable minimum Rider Satisfaction, Swift will notify you and may terminate the Driver's access to the platform.

Transportation Requirements

You shall transport the Rider from the Departure or Pick-up point to the Common Final Drop-Off Point or Swift Pre-Approved stop over points as specified in the booking.

Fees and Payment Structure

Standard Fee Structure

The Merchant shall pay Swift a Fee per Trip, which shall be determined by Swift at its sole discretion based on local market conditions and may be revised from time to time.

Base Fee: The standard Fee is 7% of each Trip. This percentage is subject to change by Swift in its sole discretion.

Brand Partnership Incentive: If you agree to display Swift's official sticker on each participating vehicle (provided free of charge by Swift), the Fee shall be reduced to 5% of each Trip. Stickers must be prominently displayed as directed by Swift.

Payment Processing

• All Fares shall be collected and processed by Swift on your behalf
• You authorize Swift to deduct the applicable Fee from all Fares earned
• Swift will remit the remaining balance to you at 12AM the next day
• Swift operates a system under which receipts are issued by Swift on your behalf to the Rider

Cancellations and Refunds

General Policy

In general, if a Rider cancels a trip, the amount paid to you is determined by the cancellation policy that applies to that Reservation. In most cases (when the booking is cancelled hours before the trip), the general policy of the rider getting back the full amount paid (minus the booking fee) will apply.

Merchant Cancellations

You should not cancel on a Rider without a valid reason. If you cancel on a Rider without a valid reason, Swift may impose a cancellation fee and other consequences.

Refund Processing

If a Rider experiences a booking issue or extenuating circumstances arise, the amount you are paid will be reduced by the amount Swift refunds to the Rider. If a refund exceeds your payout, Swift may recover that amount from you, including by deducting against your future payouts.

Location-Based Services

You explicitly agree that geolocation information regarding Drivers who are available for or performing the Transportation Service shall be monitored and traced through the Software via GPS tracking. Driver and ride details may be disclosed to Riders on the App.

Taxes and Financial Responsibilities

You are responsible for determining and fulfilling your obligations under applicable laws to report, collect, remit or include in your price any applicable VAT or other indirect taxes, occupancy taxes, tourist, income or other taxes. Swift does not offer a tax reporting or collection service.

Liability and Indemnification

Merchant Responsibility

You shall have sole responsibility for any obligations or liabilities to Drivers, Users or third parties that arise from your provision of the Transportation Service. You are solely responsible for ensuring compliance with all applicable laws and regulations governing your relationship with Drivers.

Indemnification

You agree to indemnify, defend and hold Swift harmless from and against any and all claims, demands, expenses (including legal fees), damages, penalties, fines, social contributions and taxes by any third party (including Riders, regulators and governmental authorities) directly or indirectly related to this Agreement.

Limitation of Swift's Liability

Swift's total liability to you shall not exceed the immediate preceding six months of Fees charged by Swift before any claim is made. Swift shall not be liable for any indirect, punitive, special, exemplary, incidental, consequential or other damages of any type.

Relationship Between Parties

The relationship between the parties is solely that of independent contracting parties. This Agreement is not an employment agreement, and no employment contract is created between Swift and Drivers. No joint venture, partnership, employment, or agency relationship exists between you and Swift.

You acknowledge that you have no authority to bind Swift and undertake not to hold yourself out as an employee, agent or authorized representative of Swift.

Confidentiality and Data

Both parties understand that in performance of this Agreement, each may have access to confidential information. All confidential information shall remain the exclusive property of the disclosing party and shall be used only in furtherance of this Agreement. You must maintain confidentiality and return or destroy all confidential information upon written request.

Term and Termination

Duration

This Agreement shall commence on the date accepted and shall continue indefinitely, unless terminated as provided herein.

Termination Rights

Either party may terminate this Agreement for any reason by giving at least seven (7) calendar days' written notice.

Swift may terminate immediately without prior notice if you:

• No longer meet applicable legal requirements
• Fail to comply with Swift's quality standards or policies
• Engage in fraudulent or abusive practices
• Otherwise breach the terms of this Agreement

Material Breach

Each party may terminate immediately in case of:

• Material breach by the other party
• Insolvency or bankruptcy of the other party

Upon termination, you shall promptly return all devices and data provided by Swift.

Amendments and General Provisions

Modifications

Swift reserves the right to modify these terms at any time, effective upon publishing an updated version or sending a copy to you. Continued use of Swift Services after changes constitutes consent to such changes.

Governing Law

This Agreement shall be governed by the law of the Republic of Ghana, and any disputes shall be subject to the exclusive jurisdiction of the courts located in Accra, Greater Accra Region.

Dispute Resolution

Parties shall first attempt to resolve disputes through good faith negotiations for thirty (30) days. If unsuccessful, disputes shall proceed to mediation before court proceedings.

Assignment

You may not assign this Agreement without Swift's prior written consent. Swift may assign this Agreement to affiliated companies or in the event of merger or sale of assets.

Acceptance

By signing up to Swift, you expressly acknowledge and agree to be bound by these terms and conditions, and acknowledge that you are legally competent to enter into this Agreement with Swift.