Terms of Use

Company: Swift Borrow Capital LLC

Effective Date: October 12, 2025

1) Loan Terms (APR, Repayment, and Fees)

1.1 APR Range

The Annual Percentage Rate (“APR”) reflects the yearly cost of credit expressed as a percentage that includes both interest and eligible fees.
APRs for financial products accessible through the Swift Borrow mobile application (the “App”) may be as high as 35%.
The specific APR you receive will depend on factors such as your credit profile, requested loan amount, repayment duration, state regulations,
and the underwriting policies of the lender offering the product. You will always see the final APR before you accept any offer.
Swift Borrow requires that all lending partners disclose cost information in compliance with federal and state consumer-protection laws.

1.2 Repayment Periods

Repayment timelines vary by product and typically range from 3 months (approximately 90 days) up to 24 months (2 years).
Some products may have shorter or longer repayment terms as permitted by applicable law. You will receive an individualized repayment schedule
before finalizing any agreement, including the number of installments, the amount of each payment, and the due dates.

1.3 Payment Frequency and Method

Payments are generally made in fixed, scheduled installments on predetermined due dates, which may be weekly, biweekly, semi-monthly, or monthly.
The repayment method is typically an electronic transfer (ACH debit) from your verified bank account, though other methods may be available.
Each lender will outline the acceptable forms of payment in your final agreement. You are responsible for ensuring sufficient funds are available
in your designated account on each due date to avoid late or returned payment fees.

1.4 Fees and Charges

Any potential fees—including origination fees, late payment fees, returned payment charges, or expedited transfer fees (if applicable)—will be
clearly disclosed before you accept an offer. Swift Borrow and its partners comply with all state and federal laws limiting or regulating fees.
There are no hidden or undisclosed charges. You will always have an opportunity to review the total cost of credit, including all fees and repayment
obligations, prior to committing to any loan or cash advance agreement.

1.5 Early Payoff

Many financial products available through Swift Borrow allow early repayment without any penalty. Paying off early can reduce the total amount of
interest you owe. You are encouraged to check your specific agreement for details about prepayment policies, as terms may vary depending on the lender
and applicable state regulations.

1.6 Illustrative Cost Disclosures

Before accepting any loan or cash advance, you will receive a Truth-in-Lending-style disclosure (or equivalent summary) that clearly
outlines your APR, finance charges, total repayment amount, number of payments, and due dates. Review this disclosure carefully before you proceed,
as it represents the legally binding cost and repayment structure of your chosen product.

2) Agreement to Terms

These Terms of Use (“Terms”) form a binding contract between you (“you,” “your,” or “User”) and
Swift Borrow Capital LLC (“Swift Borrow,” “we,” “us,” or “our”) and govern your access to and use of
the Swift Borrow mobile application, website, and related services (collectively, the “App”).

By downloading, installing, registering for, or using the App, you confirm that you are at least 18 years old, a lawful resident of the United States,
and capable of entering into legally binding agreements under applicable state and federal law. You acknowledge that you have read, understood, and
agree to these Terms and our Privacy Policy. If you do not agree, please discontinue use of the App immediately. Your continued use
after updates to these Terms signifies your acceptance of any modifications.

3) Purpose of the App and General Description

The Swift Borrow App provides a secure and convenient platform that allows users to explore, compare, and connect with financial offers that may fit
their needs. You can submit a short application containing personal, employment, and banking information, and the App will match you with potential
financial institutions that can present offers tailored to your profile.

The App is designed to simplify the borrowing process by collecting your data once and sharing it securely with participating financial institutions
that operate under applicable laws and licensing requirements. You can review your potential loan or cash advance terms before making a decision.
Any loan agreement, funding, or repayment arrangement is executed directly between you and the issuing institution.

Swift Borrow provides the digital environment, customer support, and secure data transmission features that enable this process.
The App does not interfere with the lender’s decision-making process, repayment schedules, or customer service policies related to individual financial products.

4) Eligibility and User Responsibilities

To create and maintain an account, you must meet all eligibility requirements listed below:

You are at least 18 years old (or the legal age of majority in your state of residence).
You are a U.S. citizen or permanent resident with a valid Social Security number or other identification as required by law.
You have an active checking account in your name and a verifiable source of income.
You provide accurate, complete, and current information when registering or applying for an offer.
You agree to use the App only for lawful, personal, non-commercial purposes.

You are responsible for maintaining the confidentiality of your login credentials and for all actions taken through your account.
If you suspect any unauthorized activity or believe your account security has been compromised, notify us immediately at
info@swiftborrowcapital.pro. We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

5) Electronic Communications and Consent

By using the App, you consent to receive all notices, disclosures, and communications electronically. This includes messages sent by email,
text message (SMS), or displayed within the App interface. You acknowledge that electronic records and signatures carry the same legal weight
as paper documents and handwritten signatures.

You can withdraw consent to receive electronic communications by contacting us at info@swiftborrowcapital.pro.
Withdrawal of consent may prevent you from using certain features or completing transactions. We may still send legally required communications
such as updates to these Terms or your account status.

6) Account Creation, Access, and Maintenance

You may be required to register an account to use certain features of the App. During registration, you must provide truthful and verifiable
information, including your name, contact details, and banking information. You agree to keep this information accurate and up to date at all times.

Your login credentials must remain confidential. Sharing your account, using false identities, or misrepresenting your information
is strictly prohibited. We reserve the right to verify your identity at any time and may suspend your access if fraudulent or
unauthorized use is suspected.

7) Data Accuracy and Authorization

You authorize Swift Borrow to collect, process, and transmit the information you provide through the App for the purpose of matching you
with financial offers. You represent that all information you submit is truthful, current, and complete. Submitting false or misleading information
may result in disqualification, legal action, or permanent suspension of access.

By submitting data, you also authorize verification of your identity, income, and account ownership through secure third-party providers as
necessary to perform eligibility checks and prevent fraud.

8) Fees, Payments, and Compensation

Swift Borrow does not charge you directly for using the App. The service is free for consumers.
However, Swift Borrow may receive a referral or marketing fee from a financial partner when you obtain or accept an offer.
This arrangement does not impact your loan terms or the cost of any financial product you select.
All partners must comply with applicable lending and consumer-protection laws, and compensation received by Swift Borrow
does not influence which offers are displayed or recommended.

9) Permitted Use and Restrictions

You agree to use the App solely for lawful purposes consistent with these Terms. You may not:

Access or use the App in any manner that violates any federal, state, or local law.
Attempt to gain unauthorized access to data, networks, or systems connected to the App.
Use automated tools, bots, or scripts to scrape or collect data from the App.
Transmit viruses, malware, or any other harmful code.
Reverse-engineer, copy, or modify any part of the App’s source code or content.
Use the App for purposes of advertising, solicitation, or distribution of unsolicited messages.

Violation of these restrictions may result in termination of your account and potential legal action.

10) Service Modifications and Availability

Swift Borrow continually improves its Services and may modify, suspend, or discontinue parts of the App at any time without prior notice.
Certain features may be temporarily unavailable during system updates or maintenance. We are not liable for any loss, interruption, or
inconvenience caused by such modifications or outages.

11) Intellectual Property Rights

All content, software, and design elements in the App, including logos, text, graphics, data compilations, and underlying technology,
are owned by Swift Borrow Capital LLC or its licensors. Unauthorized reproduction, distribution, or modification of the App or its content
is strictly prohibited. You may access and use the App only for personal, lawful purposes and in accordance with these Terms.

12) Disclaimers

The App and all related information, tools, and features are provided “as is” and “as available,” without any warranties of any kind,
express or implied. Swift Borrow makes no representations or warranties regarding accuracy, reliability, or uninterrupted availability.
We disclaim all warranties of merchantability, fitness for a particular purpose, non-infringement, and any implied guarantees arising from course
of dealing or trade practice. You use the App at your own risk.

13) Limitation of Liability

To the maximum extent permitted by law, Swift Borrow Capital LLC, its affiliates, directors, employees, and agents shall not be liable for
any indirect, incidental, special, consequential, or punitive damages (including loss of data, profits, revenue, or goodwill) arising out of
or related to your use of or inability to use the App, even if advised of the possibility of such damages.
In any case, the total liability of Swift Borrow to you for all claims shall not exceed USD $100.

14) Indemnification

You agree to defend, indemnify, and hold harmless Swift Borrow Capital LLC and its officers, employees, and partners from any claims,
liabilities, damages, and expenses (including attorneys’ fees) arising from your violation of these Terms or misuse of the App.

15) Governing Law and Dispute Resolution

These Terms shall be governed by and construed under the laws of the State of Delaware, without regard to its conflict-of-law principles.
Any dispute arising out of or related to these Terms shall be resolved through individual binding arbitration conducted under the Federal Arbitration Act.
Class actions and representative proceedings are not permitted. If arbitration is unavailable, disputes may be brought exclusively in the courts of Delaware.

16) Termination

We may terminate or suspend your access to the App at any time, without notice, if we believe you have violated these Terms or applicable law.
You may stop using the App at any time by deleting your account. Sections that logically survive termination (including limitation of liability,
indemnity, and dispute resolution) will remain in effect after your access ends.

17) Changes to These Terms

Swift Borrow may modify these Terms periodically. When changes occur, the “Effective Date” at the top will be updated.
We may also notify you through the App or by email if the modifications are material. Your continued use of the App following any changes
constitutes acceptance of the revised Terms.

18) Contact Information

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:
Swift Borrow Capital LLC
Email: info@swiftborrowcapital.pro
We strive to respond to all inquiries within a reasonable time frame.