SwiftCab App Policy Documents
Company: SwiftCab Services Limited | RC No. 9263224
Effective Date: 15 June 2026
Version: 1.0
Prepared by: Legal and Compliance
Index of Policies
- SwiftCab Terms of Use
- SwiftCab Privacy Notice
- SwiftCab Cookie and Tracking Technologies Notice
- SwiftCab Fare, Payments, Cancellation and Refund Policy
- SwiftCab Community Guidelines
- SwiftCab Driver and Partner Terms
- SwiftCab Driver Onboarding and Vehicle Standards Policy
- SwiftCab Safety, Insurance and Incident Response Policy
- SwiftCab Complaints and Dispute Resolution Policy
- SwiftCab Acceptable Use, Anti-Fraud and Account Security Policy
- SwiftCab Marketing Communications Policy
- SwiftCab Law Enforcement and Regulatory Request Policy
1. SwiftCab Terms of Use
Effective Date: 15 June 2026 | Version: 1.0
Company: SwiftCab Services Limited, RC No. 9263224, with its principal office at 14, Ebara/Oroazi Road, Rumuepirikom, Port Harcourt, Rivers State, Nigeria.
These Terms of Use govern access to and use of the SwiftCab mobile application, website, driver and rider interfaces, booking tools, support channels, promotional channels and related technology services. By creating an account, booking a ride, accepting a ride, using the app, or continuing to use any SwiftCab service, you agree to these Terms and the policies referenced in them.
Nature of the Platform
SwiftCab provides a technology platform that connects riders seeking transportation with independent drivers, vehicle owners or transport partners willing to provide transportation services.
Unless expressly stated otherwise in a written agreement signed by SwiftCab, SwiftCab itself does not provide transportation services, does not own or operate the vehicles used for rides, and does not employ drivers who provide rides through the platform.
Drivers, vehicle owners and fleet partners operate as independent contractors or independent service providers. They are solely responsible for the transportation services they provide, including their vehicles, conduct, licences, permits, insurance, taxes and compliance with applicable laws.
SwiftCab may set platform rules, verify documents, monitor service quality, enforce safety standards, suspend or remove accounts, and cooperate with regulators, law enforcement agencies, insurers or other lawful authorities where necessary for safety, fraud prevention, platform integrity or compliance with law. Such actions do not create an employment, agency or transport-provider relationship between SwiftCab and any driver or partner.
Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement under Nigerian law to create a rider account or use the platform.
Drivers must meet all driver eligibility, vehicle eligibility, documentation, training and onboarding requirements set by SwiftCab from time to time, in addition to all applicable legal requirements.
Minors may not create accounts. A minor may only be transported where the ride is booked by an adult rider who remains responsible for the minor throughout the trip.
You must not use the platform if SwiftCab has previously suspended or permanently removed your account, unless SwiftCab expressly permits your return in writing.
Account Registration and Security
You must provide accurate, complete and current information during registration and whenever your information changes.
You are responsible for maintaining the confidentiality of your login details, PINs, passwords, one-time passwords and any device used to access your account.
You must promptly notify SwiftCab through contactswiftcab@gmail.com or in-app support if you suspect unauthorised access, a compromised password, fraudulent activity, loss of device or any other security incident.
SwiftCab may require identity verification, phone number verification, email verification, payment verification, selfie verification, document verification or other checks before allowing or continuing access to the platform.
SwiftCab may suspend, restrict or terminate an account where it reasonably suspects fraud, impersonation, inaccurate information, safety risk, misuse, unlawful activity, regulatory breach or breach of these Terms.
Booking and Ride Process
A rider's request for a ride is an offer to be matched with an available driver through the platform. A ride is confirmed when a driver accepts the request and the app indicates confirmation.
Estimated arrival times, route estimates, fares and completion times are estimates only and may be affected by traffic, weather, road conditions, security advisories, diversions, fuel queues, driver availability, technical errors or other factors beyond SwiftCab's reasonable control.
Riders must be available at the pickup location, verify the driver and vehicle details shown in the app, enter the correct vehicle, comply with reasonable safety instructions and treat the driver and vehicle respectfully.
Drivers must proceed to the pickup location promptly after accepting a ride, verify the rider where reasonably necessary, transport the rider safely and professionally, and complete the trip through the app.
Riders and drivers must not arrange off-platform trips, side payments, fare diversion arrangements or any other conduct intended to avoid platform rules, safety monitoring, fees, commissions, taxes or trip records.
Fares, Charges and Payment
Fares may include base fare, time, distance, surge/demand pricing, tolls, parking, waiting time, cancellation fees, booking fees, taxes, levies, government charges or other applicable charges displayed in the app or notified to you.
The fare shown before a ride may be an estimate. The final fare may vary where the route changes, the trip takes longer, waiting time applies, additional stops are added, tolls or levies arise, or circumstances change materially from the estimated trip.
Payment methods may include card, transfer, wallet, payment gateway, voucher, promotional credit or cash where enabled by SwiftCab.
Where a cash payment option is enabled, the rider must pay the full fare directly as instructed by the platform. Drivers must not demand unauthorised extra charges or bypass recorded fare rules.
You authorise SwiftCab and its payment partners to process charges, refunds, reversals, adjustments, failed payment recovery and other amounts properly due under these Terms.
Promotional credits, discounts, referrals and vouchers are non-transferable, have no cash value unless expressly stated otherwise, and may be withdrawn where used fraudulently or in breach of policy.
Cancellations, Refunds and Adjustments
Cancellations, refunds, fare adjustments, failed rides, duplicate billing and chargebacks are governed by the SwiftCab Fare, Payments, Cancellation and Refund Policy.
A completed ride is generally not refundable merely because the rider no longer wants the service. SwiftCab may, however, review complaints relating to non-performance, failed service, duplicate debits, fare error, app error, fraud, safety incidents or material service defects.
Any cancellation fee must be reasonable, transparent and proportionate to the circumstances.
User Conduct
You must not use the platform for any illegal, unsafe, fraudulent, abusive, discriminatory, harassing, violent, exploitative or harmful activity.
You must not carry or request transportation of illegal goods, dangerous items, stolen property, contraband, weapons, drugs, hazardous substances, live animals except where allowed by law and platform rules, or any item that may endanger the driver, rider, vehicle or public.
You must not damage vehicles, threaten users, assault anyone, harass drivers or riders, record or publish another person's image or data unlawfully, evade payment, create fake accounts, manipulate GPS, abuse promotions or interfere with the operation of the platform.
SwiftCab may take action including warning, fare adjustment, suspension, permanent removal, reporting to law enforcement or regulators, or pursuing legal remedies where appropriate.
Safety
Safety rules are further set out in the SwiftCab Community Guidelines and Safety, Insurance and Incident Response Policy.
Riders and drivers must comply with applicable road traffic laws, seatbelt requirements, speed limits, vehicle capacity limits, child safety requirements and lawful instructions of competent authorities.
In an emergency, users should first contact appropriate emergency services or other appropriate authorities, and then report the incident to SwiftCab as soon as practicable through in-app support or contactswiftcab@gmail.com.
Driver and Vehicle Standards
Drivers must maintain valid driver's licences, vehicle licences, roadworthiness documentation, insurance and any other permits or approvals required by law.
Vehicles must be safe, roadworthy, properly registered, sufficiently insured, clean and suitable for passenger transportation.
SwiftCab may inspect, verify, reject, suspend or remove a driver or vehicle where documentation expires, safety standards are not met, complaints are substantiated, fraud is suspected or laws change.
Data Protection and Privacy
SwiftCab processes personal data in accordance with its Privacy Notice and applicable data protection laws.
Personal data processed may include identity information, contact details, location data, trip history, payment information, device information, support communications, ratings and verification documents.
By using the platform, you acknowledge that location and trip data are necessary for ride matching, routing, fare calculation, support, fraud prevention, safety monitoring, dispute resolution and regulatory compliance.
Ratings, Reviews and Feedback
Riders and drivers may rate each other and provide feedback after rides.
Ratings and feedback must be honest, relevant and not abusive, discriminatory, defamatory, fraudulent or retaliatory.
SwiftCab may use ratings and feedback to improve service quality, determine account standing, investigate complaints, provide support and enforce platform standards.
Intellectual Property
The SwiftCab name, logos, app, platform design, software, content, trademarks, databases and technology are owned by or licensed to SwiftCab Services Limited.
You receive a limited, revocable, non-exclusive, non-transferable right to use the app for personal ride booking or authorised driver services, subject to these Terms.
You must not copy, modify, reverse engineer, scrape, sell, lease, sublicence, interfere with or misuse the app or any platform content.
Third-Party Services
The platform may integrate with maps, payment processors, identity verification providers, communications providers, analytics providers, insurance partners, emergency support tools or other third-party services.
SwiftCab is not responsible for third-party service outages, errors or terms, except to the extent required by applicable law.
Limitation of Liability
Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability for fraud, wilful misconduct, death or personal injury caused by negligence where applicable, or obligations that are mandatory under consumer protection, data protection or other applicable laws.
Subject to the above, SwiftCab shall not be liable for indirect, incidental, punitive, special or consequential losses, including loss of profit, business interruption, reputational loss, missed appointments, missed flights or losses arising from traffic, road conditions, driver conduct, rider conduct, third-party services, security events or other matters outside SwiftCab's reasonable control.
SwiftCab's role is limited to providing a technology platform. Drivers, vehicle owners and transport partners remain solely responsible for the transportation services they provide.
Where SwiftCab is found liable notwithstanding these Terms, its liability shall be limited to direct and reasonably foreseeable losses that are proven, up to the amount paid by the relevant user for the affected ride or such higher amount as may be required by applicable law.
Indemnity
You agree to indemnify SwiftCab, its directors, officers, employees, contractors and partners against claims, losses, penalties, damages, liabilities, costs and expenses arising from your breach of these Terms, unlawful conduct, fraud, misuse of the platform, damage to property, injury caused by your conduct or breach of applicable law.
Suspension and Termination
SwiftCab may suspend, restrict or terminate access immediately where there is a safety risk, suspected fraud, unlawful activity, regulatory concern, expired driver documentation, serious complaint, repeated poor ratings, chargeback abuse, non-payment or breach of these Terms.
Where appropriate and lawful, SwiftCab may give a user an opportunity to respond to allegations before final action is taken. Immediate action may be taken where required to protect users, the public, the platform or comply with law.
Regulatory Compliance and State Expansion
SwiftCab may operate subject to federal, state and local government laws, including transport, road safety, consumer protection, data protection, tax, insurance, payments, advertising, competition and corporate laws.
Where SwiftCab expands into a new state, riders and drivers may be subject to additional local requirements, permits, levies, vehicle standards, driver badges, training rules, data access obligations or operational restrictions.
SwiftCab may update these Terms, driver requirements or operational rules to reflect state-specific regulatory requirements.
Complaints and Dispute Resolution
Users should submit complaints through in-app support or contactswiftcab@gmail.com as soon as possible, preferably within 7 days of the relevant ride or incident.
SwiftCab will review complaints in line with its Complaints and Dispute Resolution Policy.
Where a dispute cannot be resolved amicably, the parties may first attempt mediation. Where the dispute is not resolved through mediation and arbitration is legally appropriate, the dispute may be referred to arbitration under the Arbitration and Mediation Act 2023, with the seat of arbitration in Port Harcourt, Rivers State, unless the parties agree otherwise in writing.
Updates to Terms
SwiftCab may update these Terms to reflect operational, legal, regulatory, safety, technological or business changes. Material changes will be notified through the app, website, email, SMS or another appropriate channel. Continued use after the effective date of the updated Terms constitutes acceptance of the updated Terms.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Nigeria, without regard to conflict of law provisions.
Contact
For support, complaints or legal notices, contact: contactswiftcab@gmail.com
Address: 14, Ebara/Oroazi Road, Rumuepirikom, Port Harcourt, Rivers State, Nigeria.
2. SwiftCab Privacy Notice
Effective Date: 15 June 2026 | Version: 1.0
Controller: SwiftCab Services Limited, RC No. 9263224, 14, Ebara/Oroazi Road, Rumuepirikom, Port Harcourt, Rivers State, Nigeria.
Privacy Contact: contactswiftcab@gmail.com
Data Protection Lead: Sodiq Oluwafemi Kareem
This Privacy Notice explains how SwiftCab collects, uses, stores, shares and protects personal data when riders, drivers, visitors, partners or other users access or use the SwiftCab app, website, support channels and related services. It is intended to comply with the Nigeria Data Protection Act 2023 and applicable guidance.
Personal Data We Collect
Account and Identity Data: Name, phone number, email address, profile photograph, date of birth or age confirmation, gender where voluntarily provided, emergency contact, login credentials, account identifiers and verification information.
Driver Verification Data: Driver's licence, vehicle licence, roadworthiness documents, vehicle registration details, insurance documents, permit information, profile photo, identity documents, next-of-kin or guarantor details where required, onboarding status, training records, ratings and compliance history.
Location and Trip Data: Pickup and destination information, GPS location, route, time stamps, driver arrival, trip start and end, waiting time, trip distance, fare information, cancelled rides, ride history and safety events.
Payment and Transaction Data: Payment method details, transaction references, fare details, refunds, wallet balance, credits, chargebacks, failed payments, bank or payment partner references and limited payment metadata. Full card details are processed by authorised payment processors and are not intended to be stored by SwiftCab unless legally permitted and operationally necessary.
Device, App and Technical Data: IP address, device type, operating system, app version, browser type, mobile network, device identifiers, crash logs, performance logs, cookies, pixels, fraud signals and usage data.
Communications and Support Data: Support messages, complaint details, call logs where calls are routed through the platform, chat records, emails, survey responses, feedback, ratings, safety reports and dispute records.
Safety, Fraud and Incident Data: Accident reports, incident descriptions, photographs or videos submitted by users, police or medical reports where voluntarily supplied, insurance claims information, blocked user records, fraud investigations and law enforcement/regulatory requests.
How We Collect Personal Data
We collect personal data directly from you, automatically through your use of the app or website, from riders or drivers you interact with, and from lawful third-party sources such as payment processors, identity verification providers, maps providers, support tools, insurers, public records, regulators or law enforcement agencies.
Purposes of Processing
SwiftCab processes personal data to: create and manage accounts; verify riders, drivers, vehicles and documents; match riders with drivers; provide pickup, routing, navigation and trip completion services; calculate fares, process payments, refunds, credits and chargebacks; provide customer support and resolve complaints; investigate safety issues and incidents; prevent fraud, platform abuse, account takeover and payment misuse; manage ratings, reviews, quality standards and driver performance; communicate service updates, safety alerts, policy changes and transactional notices; send marketing communications where permitted by law or based on consent; comply with legal and regulatory obligations; improve, test, secure and develop the app and services; and enforce our Terms, policies and legal rights.
Lawful Bases for Processing
Depending on the circumstances, SwiftCab relies on one or more lawful bases for processing, including: performance of a contract with you; compliance with legal obligations; legitimate interests, including safety, fraud prevention, service improvement and platform integrity; consent, particularly for optional marketing, certain cookies, optional profile information and permissions where required; and protection of vital interests in emergencies or serious safety incidents.
Location Data
Location data is central to SwiftCab's ride-hailing service and is used for ride matching, pickup, routing, fare calculation, support, fraud prevention, safety monitoring and dispute resolution. Riders may need to enable location permissions for effective use of the service. Drivers must enable location permissions while online or during rides. Disabling location permissions may limit or prevent use of important platform functions.
Sharing of Personal Data
SwiftCab may share personal data with: riders and drivers to enable ride matching, pickup, identification and trip completion; payment processors, banks and payment service providers; identity verification, document verification and fraud prevention providers; map, navigation, hosting, cloud, analytics, communications and customer support providers; insurance providers, claims handlers and loss adjusters; professional advisers, auditors, consultants and legal representatives; regulators, law enforcement agencies, courts, tax authorities, transport authorities and government bodies where required or lawful; affiliates, successors, investors or acquirers in connection with restructuring, investment, merger, acquisition or sale, subject to confidentiality and legal safeguards; and other parties where you consent or where disclosure is necessary to protect rights, safety and property.
SwiftCab does not sell personal data.
International Transfers
Some service providers may process personal data outside Nigeria. Where personal data is transferred outside Nigeria, SwiftCab will take steps required by applicable law, including using appropriate safeguards, transfer assessments, adequacy-based approaches, contractual protections or other lawful mechanisms.
Retention
SwiftCab retains personal data for as long as reasonably necessary for the purposes described in this Notice. Indicative periods: account data — account life plus up to 6 years; trip and transaction records — up to 6 years or longer if required for legal/tax reasons; driver verification records — driver account life plus up to 6 years; safety and incident records — up to 7 years or longer where a claim, investigation or litigation is pending; marketing consent records — until withdrawn plus reasonable audit period; technical logs — usually 6 to 24 months unless needed for security or investigation.
Data Security
SwiftCab uses reasonable technical and organisational measures to protect personal data, including access controls, authentication, encryption where appropriate, system logging, vendor due diligence, staff confidentiality measures, backups and incident response procedures. No system is completely secure. Users are responsible for protecting their devices, passwords and OTPs and must promptly report suspected compromise.
Your Rights
Subject to legal conditions and exemptions, you may request to: access your personal data; correct inaccurate or incomplete data; delete data where lawful; restrict or object to processing; withdraw consent where processing is based on consent; request data portability where applicable; object to direct marketing; and lodge a complaint with the Nigeria Data Protection Commission. To exercise your rights, contact contactswiftcab@gmail.com.
Children's Data
The SwiftCab platform is intended for users aged 18 and above. SwiftCab does not knowingly allow minors to create accounts. Where a minor is transported, the adult who booked the ride remains responsible for the minor and must comply with applicable safety requirements.
Automated Decisions and Profiling
SwiftCab may use automated tools to assist with fraud detection, ride matching, pricing, safety monitoring, account risk review, driver availability, route optimisation and promotional eligibility. Where legally required and where a decision materially affects you, you may contact support or contactswiftcab@gmail.com for review.
Marketing Communications
SwiftCab may send service messages, safety alerts and transactional communications where necessary for the service. Marketing messages will be sent in accordance with applicable law, and you may opt out through app settings, unsubscribe tools, message instructions or by contacting contactswiftcab@gmail.com.
Changes to this Notice
SwiftCab may update this Privacy Notice from time to time. Material changes will be communicated through the app, website, email, SMS or another appropriate channel.
Contact
contactswiftcab@gmail.com
14, Ebara/Oroazi Road, Rumuepirikom, Port Harcourt, Rivers State, Nigeria.
3. SwiftCab Cookie and Tracking Technologies Notice
Effective Date: 15 June 2026 | Version: 1.0
This Notice explains how SwiftCab uses cookies, software development kits, pixels, device identifiers, local storage, analytics tools and similar technologies on our app, website and digital services.
What Cookies and Tracking Technologies Do
Cookies and similar technologies help us recognise your device, keep you logged in, remember preferences, secure the platform, detect fraud, understand app performance, improve services and deliver relevant messages.
Types of Technologies We Use
Strictly Necessary Technologies: Required for login, security, payment routing, fraud prevention, session management, load balancing, service continuity and core app functions. The platform may not work properly without them.
Functional Technologies: Remember your preferences, language, saved locations, app settings and similar choices.
Analytics and Performance Technologies: Help us understand crashes, app speed, navigation flows, feature use and service quality. We may use aggregated or pseudonymised analytics where possible.
Advertising and Marketing Technologies: Where enabled and permitted, help us measure campaigns, prevent repeated ads, understand referral activity and deliver relevant offers. Consent may be requested where required.
Safety and Fraud Technologies: Help identify suspicious logins, device manipulation, GPS spoofing, promotion abuse, automated access, payment fraud and account takeover.
Information Collected
Information may include IP address, device type, operating system, app version, browser type, device identifiers, session data, referral source, approximate location, precise location where permission is granted, crash logs and interaction data.
Managing Preferences
You can manage cookies and tracking through your browser settings, device settings, app permissions or in-app preference tools where available. Disabling certain technologies may affect login, ride booking, driver matching, payment, safety, fraud prevention or app performance.
Third-Party Tools
We may use third-party service providers for analytics, maps, payments, notifications, customer support, fraud prevention and marketing. These providers may place or access cookies or SDKs subject to their own terms and privacy notices.
Updates
We may update this Notice as our technology, providers or legal obligations change. Questions may be sent to contactswiftcab@gmail.com.
4. SwiftCab Fare, Payments, Cancellation and Refund Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy explains how fares, payments, cancellations, refunds, wallet credits, failed payments and fare adjustments are handled on SwiftCab.
Fare Components
A ride fare may include: base fare; time and distance charges; booking or platform fee; demand, surge or peak-period adjustment; waiting time; tolls, parking, airport, estate or access charges; additional stop charges; cleaning, damage or lost-item handling fees where applicable; taxes, levies or government charges; and any other charge shown in the app before or during the ride.
Fare Estimates
Pre-trip fares may be estimates. Final fares may vary where the route changes, the rider changes destination, additional stops are added, waiting time applies, road conditions change, tolls apply, GPS data changes or the trip is affected by circumstances outside the original estimate. SwiftCab will use reasonable efforts to display material charges clearly before they apply.
Payment Methods
Accepted payment methods may include card, bank transfer, wallet, payment gateway, cash where enabled, voucher, promotional credit or any other approved method. Riders authorise SwiftCab and its payment partners to process charges, refunds, reversals, adjustments and failed payment recoveries. A ride may be denied, suspended or restricted where payment fails, suspected fraud occurs, a chargeback is raised, a wallet has insufficient balance or an account has outstanding unpaid amounts.
Cancellations by Riders
A rider may cancel a ride before driver acceptance without a cancellation fee. A cancellation fee may apply if a rider cancels after a driver has accepted and has begun travelling to the pickup location, or after the driver has arrived and waited beyond the free waiting period. No cancellation fee should apply where cancellation is caused by driver misconduct, wrong driver/vehicle information, excessive delay, safety concern, app error, or any other reason that SwiftCab determines makes a fee unfair.
Cancellations by Drivers
Drivers must not cancel accepted trips without reasonable cause. Repeated, discriminatory, retaliatory, manipulative or unjustified cancellations may lead to warning, reduced access, temporary suspension or permanent removal. Riders will not be charged for driver cancellations unless the rider caused the cancellation by failing to appear, refusing to proceed, carrying prohibited items, creating a safety risk or breaching platform rules.
No-Show and Waiting Time
Drivers may wait for a free waiting period displayed in the app. After the free waiting period, waiting charges or cancellation fees may apply. Riders should use in-app call or chat features to coordinate pickup where necessary.
Refunds
Refunds may be issued where: a rider is charged for a ride that did not occur; there is a duplicate debit; payment is taken because of an app or payment error; a driver cancels after accepting and the rider is charged incorrectly; a material service failure occurs; the fare is incorrectly calculated; fraud or unauthorised payment is confirmed; or applicable law requires a refund.
Non-Refundable Situations
A completed ride is generally not refundable solely because the rider changed their mind, did not like traffic conditions, was delayed by ordinary road congestion, selected the wrong pickup/destination, or failed to use a valid promotion code, unless SwiftCab determines that fairness, safety or law requires otherwise.
Refund Timeline
Approved refunds will usually be processed within 10 to 14 business days, depending on the payment method, bank, payment processor and transaction type. Wallet credits may reflect faster than bank/card reversals.
Chargebacks and Failed Payments
Riders should first contact SwiftCab support before initiating chargebacks so the issue can be reviewed promptly. Where a chargeback is raised fraudulently or without valid basis, SwiftCab may suspend the account, recover the amount due, reverse promotions or restrict payment options.
Cleaning, Damage and Lost Items
Riders may be charged reasonable cleaning or damage fees where they soil, damage or interfere with a driver's vehicle. Drivers must provide evidence, such as photos, receipts or repair estimates, before a fee is approved. SwiftCab may facilitate communication for lost items but is not responsible for items left in vehicles. Return charges may apply.
Promotions and Credits
Promotions are subject to their specific terms and may expire, be limited to certain users, locations, rides, payment methods or periods. SwiftCab may reverse or cancel promotions obtained through fraud, fake referrals, duplicate accounts, automated tools or breach of policy.
Complaints
Fare or payment complaints should be submitted through in-app support or contactswiftcab@gmail.com, preferably within 10 days of the ride or transaction.
5. SwiftCab Community Guidelines
Effective Date: 15 June 2026 | Version: 1.0
These Community Guidelines apply to all riders, drivers, vehicle owners, fleet partners, staff, support agents, vendors and anyone using or interacting with the SwiftCab platform. SwiftCab is built on safety, respect, reliability, fairness, non-discrimination and accountability.
Respectful Conduct
Users must treat each other with courtesy. The following are prohibited: harassment, intimidation, threats or abuse; discrimination based on ethnicity, religion, gender, disability, age, nationality, language, social status or any protected characteristic; sexual harassment or inappropriate conduct; insults, hate speech, humiliation or degrading comments; unwanted physical contact; stalking, repeated unwanted communication or misuse of personal data; recording, photographing or publishing another person without lawful basis; and retaliation against a user for reporting misconduct.
Safety Rules
Users must not: assault, threaten or endanger anyone; drive under the influence of alcohol, drugs or any impairing substance; request or provide rides for unlawful purposes; exceed legal seating capacity; ignore seatbelt and child safety requirements; tamper with the app, GPS, trip records or fare calculations; carry prohibited, illegal, dangerous or hazardous items; request unsafe routes or unlawful stops; force off-platform payments or trips; or create a public safety or security risk.
Driver-Specific Standards
Drivers must: hold valid licences, permits and insurance; keep vehicles clean, safe and roadworthy; drive carefully and comply with traffic laws; follow the route reasonably agreed with the rider or suggested by the app, subject to safety and road conditions; avoid unnecessary detours; not discriminate in accepting or completing rides; not request a rider to cancel and rebook off-platform; not demand unauthorised extra payments; maintain professional hygiene and appearance; and report accidents, security incidents, vehicle breakdowns or rider misconduct promptly.
Rider-Specific Standards
Riders must: enter the correct vehicle after confirming the driver and plate number; be ready at pickup and communicate respectfully; pay the fare and any applicable charges; avoid damaging or soiling the vehicle; not distract the driver or interfere with driving; not pressure drivers to speed, violate traffic laws or take unsafe routes; not bring prohibited items into the vehicle; supervise children and dependants; obtain driver consent before carrying pets, bulky items or unusual luggage; and report incidents through the app promptly.
Non-Discrimination
Drivers must not refuse service, cancel rides or provide inferior service based on protected characteristics or assumptions about a rider. Riders must not discriminate against drivers or request a driver based on discriminatory preferences.
Off-Platform Conduct
Conduct outside the app may affect platform access where it relates to a trip, user safety, fraud, harassment, misuse of personal data, intimidation, unlawful activity or reputational harm to the platform.
Reporting and Enforcement
Users should report safety concerns, harassment, discrimination, fraud, accident, fare abuse, lost items or misconduct through in-app support or contactswiftcab@gmail.com. Depending on severity, SwiftCab may issue a warning, require training, reverse charges, restrict features, suspend access, deactivate accounts, report to authorities, preserve evidence or take legal action. False, malicious or retaliatory reports may lead to account action.
6. SwiftCab Driver and Partner Terms
Effective Date: 15 June 2026 | Version: 1.0
These Driver and Partner Terms apply to drivers, vehicle owners, fleet partners and any person or entity that provides transport services through the SwiftCab platform.
Relationship with SwiftCab
Drivers and partners are independent contractors or independent transport providers, not employees, agents, joint venture partners or legal representatives of SwiftCab. Nothing in these Terms creates employment, pension, tax withholding, agency, exclusivity or guaranteed income obligations unless expressly agreed in writing. Drivers control when they log in, whether they accept ride requests and how they operate, subject to applicable law, safety obligations and platform standards.
Eligibility
To use the platform as a driver, you must: be at least 21 years old or such higher age required by applicable state regulation; hold a valid Nigerian driver's licence appropriate for the vehicle class; have lawful right to operate the vehicle; provide valid vehicle licence, roadworthiness certificate, insurance and other required documents; pass SwiftCab's onboarding, verification, training and quality checks; provide accurate identity, contact, bank and tax details where required; comply with federal, state and local transport regulations; and maintain good account standing.
Vehicle Requirements
Vehicles must be: properly registered and licensed; insured at least to the legally required minimum; roadworthy and safe; clean and suitable for passenger transport; fitted with functioning seatbelts, lights, brakes, tyres, mirrors, doors, windows and air-conditioning where required; consistent with the vehicle information uploaded to the app; and inspected or revalidated when requested by SwiftCab.
Documentation
Drivers must upload and maintain current documents. Expired, forged, altered or mismatched documents may lead to immediate suspension or permanent removal. Drivers must notify SwiftCab immediately of any licence suspension, insurance lapse, vehicle sale, accident, major repair, regulatory sanction, criminal allegation affecting passenger safety, or change in eligibility.
Service Standards
Drivers must: accept rides only when able and willing to complete them; proceed to pickup promptly; keep communication professional; complete trips through the app; use safe and reasonable routes; obey traffic laws; avoid reckless driving, speeding, phone use while driving and unsafe stops; not solicit off-platform trips; not demand unauthorised cash or extra payments; not discriminate against riders; not carry unauthorised persons during trips; protect rider privacy and trip information; and report incidents promptly.
Fares, Driver Earnings and Deductions
Driver earnings shall be calculated in accordance with the fare structure, commission rate, applicable deductions, incentives and payment cycle communicated by SwiftCab through the driver app, onboarding materials, partner dashboard or any other official driver communication channel. SwiftCab may deduct platform commission, refunds, chargebacks, penalties, promotional adjustments, statutory charges, fleet obligations, wallet deficits or amounts owed under these Terms. Drivers are responsible for their taxes, fuel, maintenance, data, vehicle finance, insurance and operating costs unless otherwise agreed.
Insurance and Accidents
Drivers must maintain legally required motor insurance at all times and provide evidence on request. Drivers must immediately report accidents, injuries, vehicle damage, police stops, security incidents or insurance claims involving a SwiftCab ride. Drivers must cooperate with SwiftCab, insurers, regulators and law enforcement in incident investigation and claims handling.
Ratings and Performance
SwiftCab may monitor ratings, cancellations, acceptance patterns, complaints, safety incidents, trip completion, document validity and fraud indicators. Poor performance, repeated cancellations, unsafe driving, excessive complaints or breach of standards may lead to training, warning, reduced access, suspension or deactivation.
Prohibited Conduct
Drivers must not: use fake, expired or third-party documents; allow another person to use their driver account; operate a vehicle different from the approved vehicle unless authorised; manipulate GPS, fare, routes or trip records; accept rides while impaired or unfit; harass, threaten, discriminate against or assault riders; misuse rider personal data; contact riders after a trip except for legitimate trip-related reasons; carry weapons, illegal items or prohibited substances; request off-platform payment where not permitted; or engage in conduct that exposes SwiftCab to regulatory, legal, safety or reputational risk.
Suspension, Deactivation and Termination
SwiftCab may suspend or deactivate a driver or partner for safety risk, expired documents, regulatory non-compliance, fraud, low quality, serious complaint, repeated breach, account sharing, insurance lapse, unlawful activity or any conduct inconsistent with platform trust and safety. A driver may stop using the platform at any time, subject to settlement of outstanding obligations.
Data, Confidentiality and Taxes
Drivers must keep rider information confidential and must not copy, publish, sell, misuse or retain rider data except as necessary to complete the ride or comply with law. Drivers and partners are responsible for their own tax filings, permits, levies and statutory obligations arising from their independent business, unless applicable law requires otherwise.
Contact
Driver Support: contactswiftcab@gmail.com
7. SwiftCab Driver Onboarding and Vehicle Standards Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy sets the minimum onboarding, vehicle and compliance standards for drivers and vehicles on SwiftCab, to ensure that only qualified drivers and safe, lawful, roadworthy vehicles operate on the platform.
Required Driver Documents
Drivers must provide and keep current: government-issued identification; valid driver's licence; profile photograph/selfie verification; phone number and email verification; residential or contact address; emergency contact/next of kin; bank/payment details; tax information where required; training completion evidence where applicable; and any state-specific driver badge, permit or certification required in the operating location.
Required Vehicle Documents
Drivers or vehicle owners must provide: vehicle registration/licence; proof of ownership or lawful authority to use the vehicle; roadworthiness certificate; insurance certificate; vehicle inspection report where required; vehicle photographs; plate number and chassis/VIN details where required; proof of state or local permits where applicable; and any other document required by SwiftCab or regulators.
Vehicle Condition Standards
Vehicles must have: functioning brakes, lights, tyres, wipers, horn, mirrors and doors; functioning seatbelts for all passengers; clean interior and exterior; no major body damage affecting safety or comfort; no fuel leakage, smoke hazard or unsafe mechanical defect; valid spare tyre or emergency kit where required; working air-conditioning where required by service category; no unauthorised modifications affecting safety; and capacity consistent with the service category.
Inspection, Revalidation and Training
SwiftCab may require physical or digital inspection before activation and periodically after activation. Vehicles may be suspended pending inspection if SwiftCab receives credible safety complaints, accident reports, regulatory notices or document expiry alerts. Drivers may be required to complete onboarding or refresher training on app use, safety, customer service, data protection, anti-discrimination, emergency reporting, fare rules and state-specific regulatory requirements.
State-Specific Requirements and Ongoing Monitoring
Because transport regulation may differ by state, SwiftCab may require additional documents, badges, levies, permits, inspections or training before allowing drivers to operate in a particular state. SwiftCab may monitor document expiry, complaints, ratings, trip data, safety incidents, fraud signals and compliance history to determine continued eligibility. Expired documents, failed inspection, forged documents, unsafe vehicle condition, repeated complaints or regulatory non-compliance may lead to restriction, suspension or deactivation.
8. SwiftCab Safety, Insurance and Incident Response Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy explains SwiftCab's safety expectations, insurance requirements and response process for accidents, emergencies, misconduct and other incidents.
Safety Commitment
SwiftCab aims to provide a safer platform by setting driver and vehicle standards, enabling trip records, supporting incident reporting, reviewing complaints, cooperating with lawful authorities and enforcing platform rules.
Emergency First
In an emergency, users should first contact relevant emergency services, police, medical responders, fire service or local security agencies. After immediate safety steps have been taken, the incident should be reported to SwiftCab through in-app support or contactswiftcab@gmail.com.
Insurance Requirements
Every driver must maintain valid motor insurance at least to the minimum required by Nigerian law. SwiftCab does not provide transportation services and does not assume responsibility for maintaining vehicle, passenger or driver insurance on behalf of drivers, vehicle owners or fleet partners, unless expressly agreed otherwise in writing. SwiftCab may require additional insurance standards, evidence of cover or policy endorsements depending on the operating state, vehicle category, fleet arrangement or regulatory requirement. Drivers, vehicle owners and fleet partners are solely responsible for ensuring that their insurance adequately covers their vehicle use and passenger transport activities as required by law and by their insurers.
Accidents
In the event of an accident, drivers must: stop where safe and lawful; check for injuries; contact emergency services where needed; cooperate with lawful authorities; exchange necessary information; take photographs where safe; notify SwiftCab as soon as practicable; notify their insurer where required; and not admit liability on behalf of SwiftCab. Riders should also report accidents to SwiftCab as soon as practicable.
Serious Incidents
Serious incidents include physical assault, sexual misconduct, threats, robbery, kidnapping risk, reckless driving, major accident, death, serious injury, fire, suspected criminal activity, harassment, discrimination, dangerous item, vehicle breakdown in unsafe area or any incident requiring police, medical, insurance or regulatory attention.
Platform Response
Depending on the incident, SwiftCab may: contact the affected user; temporarily restrict accounts; preserve trip records; request statements and evidence; contact emergency contacts where appropriate; cooperate with insurers; make lawful reports to authorities; remove users from the platform; issue refunds or adjustments where appropriate; and improve safety controls.
Vehicle Breakdown and Lost Items
Drivers must move the vehicle to a safe location where possible, notify the rider, end or cancel the trip appropriately, and report the breakdown to SwiftCab. Riders should not be charged unfairly for a trip that cannot be completed due to vehicle failure. SwiftCab may help riders and drivers communicate about lost items. Users are responsible for their belongings. Drivers must not withhold lost items to demand unreasonable payment. Return charges may apply where reasonable.
Limitation
SwiftCab is not an emergency service, insurer, police authority or medical provider. The platform's incident response support does not replace emergency response, insurance claims or legal processes.
9. SwiftCab Complaints and Dispute Resolution Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy covers fare disputes, refunds, cancellations, failed payments, safety reports, harassment, discrimination, driver conduct, rider conduct, lost items, app errors, account restrictions and other platform-related complaints.
How to Submit a Complaint
Complaints may be submitted through: in-app help or support; email to contactswiftcab@gmail.com; official customer support channels published by SwiftCab; or any dedicated emergency/safety channel provided in the app.
Information to Provide
To help us review complaints, users should provide: trip date and time; pickup and destination; driver or rider name where available; vehicle plate number where relevant; screenshots, receipts or payment reference; description of the issue; photos, police reports or medical reports where relevant; and preferred resolution.
Reporting Timeline and Review Process
Users should report issues as soon as possible, preferably within 7 days of the ride or transaction. Safety incidents should be reported immediately after urgent safety steps have been taken. SwiftCab may review trip records, GPS data, payment records, app logs, ratings, documents, statements from users, support records and other relevant evidence.
Response Timeline
SwiftCab will aim to acknowledge complaints within 2 business days and resolve ordinary complaints within 14 business days. Complex complaints, safety incidents, insurance matters, fraud reviews, regulatory issues or law enforcement matters may take longer.
Possible Outcomes
Depending on the case, SwiftCab may: explain the charge or decision; issue a refund, credit or fare adjustment; reverse a cancellation fee; warn, train, suspend or deactivate a user; preserve evidence; refer the matter to insurance or authorities; reject unsupported claims; or take any other fair and lawful step.
Appeals
A user who disagrees with a decision may request a review by providing new information or explaining why the decision is incorrect. Appeals should be made within 7 days of the decision.
Mediation and Arbitration
Where a dispute cannot be resolved through support channels, the parties may attempt amicable settlement or mediation. Where legally appropriate, unresolved disputes may be referred to arbitration under the Arbitration and Mediation Act 2023, subject to applicable consumer rights and court jurisdiction rules.
Regulatory Complaints and False Reports
Nothing in this Policy prevents a consumer or data subject from contacting a competent regulator. False, malicious, abusive or fraudulent complaints may lead to account restrictions, suspension or legal action.
10. SwiftCab Acceptable Use, Anti-Fraud and Account Security Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy protects the platform, riders, drivers and partners against fraud, misuse, unauthorised access and unsafe conduct.
Acceptable Use
Users may use SwiftCab only for lawful ride-hailing, driver services, account management, support, payments and related platform purposes.
Prohibited Uses
Users must not: create fake, duplicate or misleading accounts; impersonate another person; use stolen payment instruments; manipulate promotions, referrals, refunds or chargebacks; use bots, scripts, emulators or automated tools without permission; tamper with GPS, device identifiers, app code or trip data; scrape, copy or harvest platform data; interfere with app security; sell, rent or transfer accounts; allow unauthorised persons to use driver accounts; arrange off-platform rides to avoid platform rules; use the platform for unlawful transport of persons or items; or threaten, harass, extort or defraud another user.
Account Security
Users must protect passwords, PINs, OTPs, devices and payment credentials. SwiftCab will never ask for your password or OTP outside secure authentication processes.
Fraud Monitoring and Verification
SwiftCab may monitor device signals, location patterns, payment behaviour, ride activity, referral activity, account relationships, support requests and other indicators to detect fraud or abuse. SwiftCab may require additional verification before allowing account creation, driver activation, withdrawals, refunds, promotion use, payment method changes or continued platform access.
Enforcement
Where fraud, misuse or security risk is suspected, SwiftCab may delay payments, restrict withdrawals, suspend accounts, remove promotions, reverse credits, cancel rides, require re-verification, preserve records, report to authorities or take legal action.
Reporting Security Issues
Report suspected fraud, account compromise, unauthorised payment, fake driver/rider, phishing or platform vulnerability to contactswiftcab@gmail.com.
11. SwiftCab Marketing Communications Policy
Effective Date: 15 June 2026 | Version: 1.0
Service Communications
We may send non-marketing messages necessary for the service, including OTPs, booking confirmations, driver/rider updates, receipts, safety alerts, account notices, payment notices, policy updates and regulatory notices.
Marketing Communications
We may send offers, discounts, referral promotions, newsletters, surveys, campaigns and product updates by push notification, SMS, email, in-app message, phone call or other channels where permitted by law.
Consent and Opt-Out
Where required, we will seek consent before sending marketing messages. You may opt out through app settings, unsubscribe links, SMS instructions, device notification settings or by contacting contactswiftcab@gmail.com. Opting out of marketing does not stop essential service, security, payment, legal or safety messages.
Personalisation and Third-Party Marketing
We may personalise offers based on your location, ride history, app use, preferences, promotions and account activity, subject to our Privacy Notice. We will not sell your personal data to advertisers. We may work with service providers to deliver or measure campaigns under appropriate safeguards.
Contact
For marketing preferences, contact contactswiftcab@gmail.com or use app settings where available.
12. SwiftCab Law Enforcement and Regulatory Request Policy
Effective Date: 15 June 2026 | Version: 1.0
This Policy explains how SwiftCab handles lawful requests from regulators, law enforcement agencies, courts, tax authorities, transport authorities and other public bodies.
Purpose
SwiftCab may receive requests for user, trip, payment, driver, vehicle, safety or account information. We review such requests to protect user privacy, comply with law and support legitimate public safety or regulatory purposes.
Valid Requests
Requests should be made in writing on official letterhead or through an official government channel and should identify: the requesting authority; the legal basis for the request; the information requested; the relevant user, trip, vehicle, date or transaction; the urgency, if any; and contact details of the requesting officer.
Emergency Requests
Where there is an imminent risk to life, serious injury, kidnapping, violence, major accident or urgent public safety issue, SwiftCab may expedite review and disclose limited information necessary to address the emergency, where lawful and appropriate.
Data Minimisation and User Notice
SwiftCab will seek to disclose only information that is reasonably necessary and proportionate to the lawful request. Where lawful and appropriate, SwiftCab may notify affected users of a request. Notice may be delayed or withheld where prohibited by law, where it may compromise an investigation, or where safety requires confidentiality.
Preservation Requests
SwiftCab may preserve relevant records where a lawful preservation request is received or where preservation is necessary for legal, safety, fraud, insurance or regulatory purposes.
Challenge or Clarification
SwiftCab may reject, narrow, challenge or request clarification of requests that are informal, overly broad, unclear, unlawful, unverifiable or inconsistent with data protection obligations.
Contact for Authorities
Official requests should be sent to: contactswiftcab@gmail.com
14, Ebara/Oroazi Road, Rumuepirikom, Port Harcourt, Rivers State, Nigeria.