Terms of Service

The terms for using SwapEazi, transaction cost analysis for cross-border payments. SwapEazi moves no money.

1. These terms

These terms are an agreement between SwapEazi (Pty) Ltd ("SwapEazi", "we", "us") and the business using swapeazi.io, our API or our MCP server ("you"). By using any of them you accept these terms. If you use SwapEazi for an organisation, you confirm you may bind it.

SwapEazi is for businesses and the people and software acting for them. It is not offered to consumers. A signed order or engagement letter for an audit, where there is one, takes precedence over these terms where the two differ.

2. What SwapEazi is, and is not

SwapEazi is transaction cost analysis for cross-border payments. It measures what a payment costs against an independent market reference, estimates what it should cost at your size, shows which providers serve a route, and produces signed records of those verifies.

• SwapEazi does not move, hold, exchange or transmit money, and does not execute, route or arrange payments. You make every payment through your own bank or provider.
• SwapEazi is not a bank, payment service provider, foreign exchange dealer or financial services provider, and nothing it produces is financial, investment, hedging, tax or legal advice, or an instruction to choose any provider.
• SwapEazi takes no fees or commissions from the providers it measures.

3. How to read the figures

• Measured figures are calculated against a published reference rate and carry a stated margin of error. A difference inside that margin is not a cost or a saving.
• Some figures are estimates, from published prices, class-typical ranges or open-market order books, and are labelled as such. An estimate is not a quote, and no provider is bound by it.
• Prices, limits and which provider publishes the lower all-in change from day to day. A figure describes the moment it was produced.
• You decide whether and how to pay, and remain responsible for that decision and for your own compliance obligations.

4. Keys, free use and acceptable use

• Free measurements are limited to 10 a day for each person. A key lifts the limit on the terms of the plan it was issued under.
• Keep your API keys secret. You are responsible for use made with them. Tell us at once if one is exposed and we will revoke it.
• Do not try to get around limits, scrape or bulk-copy the service, resell or republish its outputs as a data product, use it to build a competing benchmark, probe or disrupt its security, or use it for anything unlawful.
• We may suspend a key or access that breaks these rules or puts the service or others at risk, and will tell you why unless the law prevents it.

5. Your data

You keep all rights in the payment data you give us. You confirm you are entitled to give it to us for the purpose you give it.

For personal information in files you give us for an audit, you are the responsible party (controller) and we are your operator (processor) under POPIA and, where it applies, the GDPR. We will: process it only to deliver what you asked for; keep it confidential and secure; use only the sub-processors named in our Privacy Policy and tell you before adding one; tell you without undue delay of any suspected compromise; delete the files within 30 days of delivering the report unless you ask in writing for longer; and help you respond to requests from the people concerned.

If you consent on the free assessment to contribute anonymised economics (currency pair, month, size band and measured cost), you give us a permanent licence to use them in aggregate benchmarks. They identify neither you nor anyone else.

Our Privacy Policy describes the personal information we process for ourselves and your rights over it.

6. Fees and payment

Current prices are on swapeazi.io/pricing. Prices are in US dollars and exclude VAT and other taxes, which are added where they apply.

6.1 The FX cost audit

• The audit has two fees. The flat fee (USD 1,500 for one entity) is invoiced when you order and is not refundable once work has begun, whatever the audit finds.
• The performance fee (USD 5,000 for one entity) is payable only if the audit measures avoidable cost of at least USD 50,000. Group audits have their own fees on the pricing page.
• Avoidable cost is calculated only from measured cost: each payment's cost against the independent reference, less its margin of error, less the top of the negotiated range for companies of your annual volume. Estimated or advertised provider prices, the open-market floor, comparisons with any provider, rate moves between invoice and payment, and payments that could not be priced never count. The audit report shows the calculation.

6.2 Paying

Invoices are due within 14 days. We may suspend paid features while an invoice is overdue, after telling you. We will give at least 30 days' notice of a price change for anything you already pay for, and a change never applies to an audit already ordered.

7. Signed records

A signed record shows what SwapEazi computed at the time it was signed. Anyone can verify its signature. A valid signature proves the record has not been altered; it is not a guarantee that a payment was or will be made at any price.

8. Intellectual property

SwapEazi, its software, methods, benchmarks and data belong to us or our licensors. You may use the results you receive for your own business, and share them with your bank, auditors, board, regulators and advisers. If you publish a figure, say it came from SwapEazi and when. Nothing in these terms transfers ownership of anything to either of us.

9. Confidentiality

Each of us will keep the other's non-public information confidential and use it only for this agreement, except where it is already public, independently known, or must be disclosed by law. This lasts for five years after our relationship ends, and for as long as the law protects any personal information involved.

10. Warranties and liability

We will provide the service with reasonable care and skill. Beyond that, and as far as the law allows, it is provided as it is, and we do not promise it will be uninterrupted or error-free, or that any provider will offer a price we estimated.

As far as the law allows: neither of us is liable to the other for indirect or consequential loss, or loss of profit; we are not liable for payment decisions you make or for what any bank or provider does; and our total liability to you in any 12 months is limited to the fees you paid us in those 12 months, or USD 100 if you paid nothing. None of this limits liability for fraud, for gross negligence, or where the law does not allow it to be limited.

You will compensate us for losses caused by your unlawful use of the service or by data you gave us without the right to do so.

11. Ending the agreement

You may stop using SwapEazi at any time. We may end or suspend your access on reasonable notice, or at once for a serious breach of these terms. Fees already due stay due. Sections 5, 8, 9 and 10 survive the end of the agreement.

12. Changes to these terms

We may update these terms. For a material change we will give customers at least 30 days' notice by email before it applies to them. Continuing to use SwapEazi after that means you accept the change.

13. Law and disputes

These terms are governed by the law of South Africa. We will first try to settle any dispute in good faith; if that fails within 30 days, the courts of South Africa have jurisdiction. Rights you have under a law that cannot be excluded by agreement are not affected.

14. About us

SwapEazi (Pty) Ltd, a private company registered in South Africa with the Companies and Intellectual Property Commission, registration number 2026/299369/07. Director: Msingathi Majola. Email: hello@swapeazi.io. Full company details are on swapeazi.io/legal.

Contact

Questions or requests under this policy: hello@swapeazi.io