Legal & Compliance

This Funding Partner Agreement governs the relationship between SwiftFund and the individual or institutional capital provider ("Funding Partner"). By depositing funds into the SwiftFund escrow ecosystem or committing capital to any loan pool, you legally affirm your status as a sophisticated investor capable of evaluating the merits, liquidity constraints, and inherent risks of alternative private credit.

You expressly acknowledge that committing capital to the SwiftFund network involves substantial financial risk, up to and including the total loss of principal.

• No Guarantees: SwiftFund is not a chartered bank, and your deployed funds are not protected by sovereign deposit insurance schemes (such as the FSCS or FDIC).
• Target APY: Any reference to a "Target APY," "Estimated Annual Return," or "Projected Yield" represents mathematical projections based on historical platform performance and algorithmic modelling. These figures are strictly non-binding estimates and do not represent guaranteed returns. Borrowers may default on their obligations, and SwiftFund acts as no guarantor of your committed capital.

To comply with global Anti-Money Laundering (AML) directives, all Funding Partners must complete rigorous biometric verification and entity onboarding.

• Origin of Funds: You must explicitly declare and structurally prove the legal origin of all deployed capital.
• Enhanced Due Diligence (EDD): SwiftFund reserves the right to trigger EDD protocols for capital deployments exceeding specified thresholds, requiring audited financial statements and Ultimate Beneficial Ownership (UBO) declarations. SwiftFund will immediately freeze assets, terminate this Agreement, and file Suspicious Activity Reports (SARs) with relevant financial intelligence units if illicit activity is suspected.

Funding Partner capital is held in a secure, segregated escrow facility until algorithmically deployed. SwiftFund protects investor capital through fractional loan allocation. Your funds are automatically diversified across hundreds of micro-loans to minimise single-borrower default exposure. The Funding Partner delegates absolute authority to SwiftFund's automated underwriting engine to deploy, monitor, and adjust risk parameters without requiring manual approval for each underlying micro-loan tranche.

• 4.1 Annualised Servicing Margin: The Funding Partner expressly acknowledges and agrees that SwiftFund shall retain an annualised Platform Servicing Fee (the "Fee") of 1.50% against all actively deployed capital. This Fee is calculated daily and deducted proportionally from gross interest payments remitted by underlying borrowers prior to disbursement of the Target Net APY to the Funding Partner's escrow wallet.
• 4.2 Alignment of Servicing: The Fee constitutes full and final remuneration to SwiftFund for provision of Open Banking underwriting, algorithmic capital fractionalisation, payment processing, and standard debt recovery administration. SwiftFund assesses no upfront deposit fees, capital deployment charges, or standard withdrawal penalties.
• 4.3 Non-Performing Capital: In the strict event of borrower default, SwiftFund ceases to assess the Platform Servicing Fee on the specific fractionalised portion of non-performing capital. SwiftFund's commercial interests are therefore directly subordinated to the successful collection and remittance of the Funding Partner's principal and interest.

All rights, title, and interest in the SwiftFund platform—including the cash-flow analysis algorithms, source code, Borrower Ladder framework, and institutional capital deployment logic—remain the exclusive intellectual property of SwiftFund. Funding Partners are strictly prohibited from reverse-engineering, decompiling, or attempting to derive the source code of the underwriting engine. The use of automated systems, spiders, or web scrapers to extract platform data, default rates, or pricing structures constitutes a material breach of this Agreement, resulting in immediate termination and legal action.