Terms & Conditions

Last Updated: 10th Nov. 2025

Welcome to SWIFTPE Micro Finance Foundation (“SWIFTPE,” “we,” “our,” or “us”). By accessing or using www.swiftpe.org (the “Website”) or participating in our programs, services, or initiatives, you agree to comply with and be bound by the following Terms & Conditions.

Please read these Terms carefully. If you do not agree with any part, you should discontinue use of our Website and services.

1. About Us

SWIFTPE Micro Finance Foundation is a Section 8 not-for-profit company registered under the Companies Act, 2013.
Since 2020, we have provided microfinance support, skill development, and digital inclusion programs to empower women, reduce poverty, and help build sustainable livelihoods.

2. Use of the Website

By using this Website, you agree to the following:
You will use the Website only for lawful purposes.
You will not attempt to harm, disrupt, or misuse the Website or its services.
You will not upload false, misleading, or harmful information.
You will not use this Website to conduct unauthorized financial activities.
We reserve the right to restrict or terminate your access if any misuse is detected.

3. Eligibility

Our programs and services may have specific eligibility criteria, such as:
Age requirements
Income level
KYC compliance
Geographic location
Program-specific conditions
We reserve the right to approve or reject applications at our discretion.

4. Microfinance Services

Where applicable, microfinance services provided by SWIFTPE may involve:
Loan applications
Group lending
Repayments and schedules
Interest rates and charges
Documentation and verification
All financial services are subject to:
Regulatory requirements
Internal policies
KYC/AML compliance
Program guidelines
Borrowers are expected to provide accurate information and adhere to repayment commitments.

5. Donations

Donations made through the Website or offline channels:
Are voluntary and non-refundable unless stated otherwise
May be eligible for tax exemption (if applicable and if the organization holds valid certifications)
Will be used strictly for charitable purposes and program development
Donors are responsible for providing correct information.

6. User Accounts (If Applicable)

If the Website offers user accounts or login-based services:
You are responsible for maintaining confidentiality of your credentials
You must notify us immediately of unauthorized use
We may suspend or terminate accounts for misuse or violation of these Terms

7. Accuracy of Information

We strive to keep information accurate and up-to-date; however:
We do not guarantee that all content is error-free
We are not liable for inaccuracies, system delays, or technical issues
Users should independently verify important details before relying on them

8. Third-Party Links

The Website may contain links to third-party sites.
We are not responsible for:
Content on external websites
Their privacy practices
Any losses arising from their use
Users follow external links at their own discretion.

9. Intellectual Property

All content on the Website—text, graphics, logos, photos, documents, software—is the property of SWIFTPE or licensed to us.
You agree not to:
Copy, reproduce, or distribute any content without permission
Modify or misuse intellectual property
Use SWIFTPE branding without authorization
Limited personal, non-commercial use of the Website is permitted.

10. Data Protection & Privacy

Your use of the Website is also governed by our Privacy Policy, which explains:
What information we collect
How we use and protect it
Your rights regarding your data
By using the Website, you consent to the practices described in our Privacy Policy.

11. Limitation of Liability

To the maximum extent permitted by law:
SWIFTPE is not responsible for any direct, indirect, incidental, or consequential losses resulting from your use of the Website or participation in our programs.
We do not guarantee uninterrupted access, virus-free systems, or error-free operation.
Your use of the Website is at your own risk.

12. Indemnification

You agree to indemnify and hold SWIFTPE, its employees, trustees, partners, and affiliates harmless from any claims, damages, losses, or expenses arising out of:
Your misuse of the Website
Violation of these Terms
Inaccurate or fraudulent information submitted by you

13. Changes to Terms

We reserve the right to update or modify these Terms at any time.
Revised versions will be posted on this page with the updated date.
Continued use of the Website implies acceptance of the updated Terms.

14. Governing Law

These Terms & Conditions are governed by the laws of India.
Any disputes shall be subject to the jurisdiction of courts located in Murishidabad,West Bengal.

15. Contact Information

For queries or concerns regarding these Terms, please contact:
SWIFTPE Micro Finance Foundation
Website: www.swiftpe.org
Email: contact@swiftpe.org
Phone: +91 9333351770
Address: 17/2 Mahesh Sarkar Lane, Khagra, Murshidabad – 742103, West Bengal