1. Prohibited businesses / activities
The Platform may not be used for, and we will not onboard, the following (non-exhaustive; Payment Partners and card networks may impose further restrictions):
- Adult content, escort services, pornography, sexually explicit goods or services
- Gambling, betting, lotteries, casinos, fantasy sports, real-money gaming of any kind (skill or chance), and any online gaming activity — not supported on the Platform
- Cryptocurrency / virtual digital asset exchanges, ICOs, crypto mining or trading services (unless expressly permitted in writing and lawful)
- Weapons, ammunition, explosives, fireworks, military goods
- Narcotics, controlled substances, drug paraphernalia, tobacco/e-cigarettes sold online in violation of law
- Counterfeit goods, IP-infringing products, unauthorised replicas, pirated content
- Illegal pharmaceuticals, unlicensed medical products, prescription drugs without licence
- Multi-level marketing / pyramid / Ponzi / chit-fund schemes, "get-rich-quick" or unregistered investment schemes
- Unlicensed financial services: lending, forex trading, binary options, unregistered securities, money-service businesses
- Hacking tools, malware, spyware, illegal surveillance, fake documents, diploma mills
- Hate speech, extremist content, terror financing, human trafficking, child exploitation
- Wildlife trafficking, endangered species products, hazardous materials
- Telemarketing/robocall services in violation of TRAI, unsolicited bulk messaging
- Fake reviews, click farms, social-media manipulation
- Sale of personal data, credit-card/identity data
- Any activity illegal under Indian law or the laws of the transaction's destination country
- Any business declined by our Payment Partners or card networks
2. Restricted (case-by-case, with enhanced due diligence):
Pharmacies, nutraceuticals, tobacco, alcohol delivery, dating, travel agencies, ticket resale, charities, precious metals/jewellery, forex remittance for permitted purposes, telecom resellers, marketplaces with sub-merchants.
3. Platform misuse
No scraping, reverse engineering, credential sharing, testing fraud on production, misrepresentation of business, transaction laundering (processing for undisclosed third parties), split transactions to evade limits, or use of verification APIs without lawful purpose and consent.
4. Consequences
Suspension, settlement holds, termination, reporting to authorities and Payment Partners, and recovery of losses.
Definitions used across our policies
Common definitions used across policies:
- "Company", "we", "us", "our" — Global eServe Technologies LLP, a limited liability partnership incorporated under the Limited Liability Partnership Act, 2008 (LLPIN to be published), having its registered office at Flat No. 201, 2nd Floor, Plot 577, Triveni Apartment, N M Joshi Marg, Byculla (West), Mumbai – 400027, Maharashtra, India, operating the brand and platform SwifTrail.
- "Platform" — the websites swiftrail.ai and swiftrail.in, dashboards, portals, mobile applications, APIs and related services.
- "Merchant" / "Partner" / "Agent" — a business or individual who has entered into an agreement with the Company to use the Platform.
- "End User" — a customer of a Merchant who makes a payment through the Platform.
- "Payment Partners" — RBI-licensed Payment Aggregators, banks (including escrow, sponsor and card-issuing banks), NBFCs, IRDAI-registered insurers, authorised government-scheme channels, card networks, NPCI and other regulated entities through which payment and financial services are facilitated.