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Refund and wallet funds policy

A. Purpose and Scope

This Refund Policy governs all charges, credits, deposits, and refunds associated with the Swift-E electronic recording platform (the “Platform”) operated by Swift-E Recording Services LLC (“Swift-E,” “we,” “us”). It applies to every account holder who deposits funds, submits documents, or is charged any amount through the Platform. This Policy is incorporated into and forms part of the Swift-E Terms of Service. Where this Policy conflicts with the Terms of Service on the subject of refunds, this Policy controls.
Swift-E is a submission service. We transmit documents electronically to participating Florida County Clerks and Recorders. We do not determine whether a document is accepted, we do not set statutory recording fees or documentary stamp taxes, and we do not review documents for legal sufficiency.

B. Categories of Funds and Charges

Refund treatment depends on which of the following four categories an amount falls into. These categories are distinct and are handled differently:
Category Description Refundable?
Wallet Deposit Funds you add to your Swift-E account balance by card or ACH. A deposit is not a purchase; the funds remain yours until debited for a specific charge.Yes — withdrawable at any time under Section G.
Swift-E Service FeeOur per-document fee, debited from your wallet at the time a document is transmitted to the County.Only as provided in Section D.

County 

Recording Fees & Documentary Stamps

Statutory amounts set by the County Clerk and the State of Florida. Collected by Swift-E and remitted in full to the County.See Section E. Not charged unless the document records.

Payment 

Processing Fee

Any card or ACH processing amount passed through on a wallet deposit.Generally non-refundable once the deposit settles.

C. Wallet Deposits

  • Depositing funds into your Swift-E wallet is not a purchase of goods or services. No service fee is earned at the time of deposit.
  • Wallet funds do not expire. Swift-E charges no dormancy, inactivity, or maintenance fee against wallet balances.
  • ACH deposits are subject to a settlement period and may be held as unavailable until settled. If an ACH deposit is returned unpaid by your bank, the corresponding wallet credit is reversed and a returned-payment fee of $[4.00] may be assessed.
  • If a wallet deposit is reversed after funds have already been spent on a submission, the resulting negative balance becomes immediately due and payable, and the account may be suspended until it is cured.

D. Swift-E Service Fees

The Swift-E service fee is charged when a document is transmitted to the County. The fee compensates Swift-E for preparing, formatting, and electronically delivering the submission — not for the County’s acceptance of it.

Service fees are refunded in full when:

  • A Platform error caused a document to be charged but never transmitted to the County.
  • A duplicate charge was applied to a single submission.
  • A duplicate transmission was caused by the Platform rather than by the submitter.
  • The fee was calculated or applied incorrectly, including application of an incorrect account rate
  • A submission was blocked or failed for reasons within Swift-E’s control (including outage, defect, or misconfiguration on our side).

Service fees are not refunded when:

  • The County rejects the document for any reason relating to the document itself — including defective legal description, missing or improper notarization, missing signatures, illegible pages, incorrect party names, incorrect fee or stamp calculation supplied by the submitter, or non-conforming margins or formatting.
  • The submitter uploads the wrong document, submits to the wrong County, or submits a document that was already recorded.
  • The submitter withdraws a document after it has been transmitted.
  • The County suspends, delays, or refuses processing for reasons outside Swift-E’s control.

D.3 No-fee resubmission of a rejected document

If the County rejects a document, Swift-E provides resubmission of that document at no additional service fee. The allowance covers the first, second, and third rejection of the same document. Beginning with the submission that follows a third rejection — that is, the fourth transmission of the document — the standard Swift-E service fee applies and the document is charged as a new submission. When a new service fee is charged under this paragraph, the allowance resets, and the first, second, and third rejections of that newly charged submission are again resubmitted at no additional service fee.

For clarity, the counting of the allowance operates as follows:

EventSwift-E Service Fee
Original transmissionCharged at your account rate.
Resubmission after 1st rejectionNo fee.
Resubmission after 2nd rejectionNo fee.
Resubmission after 3rd rejectionNo fee.
Resubmission after 4th rejectionCharged as a new submission; allowance resets.

E. County Recording Fees and Documentary Stamps

  • County recording fees and documentary stamp taxes are never retained by Swift-E. They are collected and remitted in full to the County Clerk.
  • Fees may be estimated at submission and reconciled against the County’s actual charge upon acceptance. If the actual amount is less than the amount collected, the difference is credited back to your wallet automatically. If the actual amount is greater, the difference is debited from your wallet.
  • If a document is rejected or withdrawn before recording, no County fees are charged, and any amount held or collected for County fees is released back to your wallet.
  • Once a document is recorded and the fees have been remitted to the County, Swift-E cannot refund those fees. Claims of overpayment, erroneous recording, or duplicate recording must be pursued directly with the County Clerk under that County’s refund procedures. Swift-E will provide submission records and reasonable assistance in support of such a claim.

F. Withdrawn, Voided, and Suspended Documents

Status Treatment
Withdrawn before County acceptance No County fees charged; any held amount is released to your wallet. Service fee treated under Section D.
Rejected by County  No County fees charged. Service fee treated under Section D.
Processing suspended by County Charges remain pending until the County issues a final disposition. Reconciliation occurs on final status.
Voided by County after  recording County fees are generally not recoverable by Swift-E and must be pursued with the Clerk. Service fee is not refunded.

G. Wallet Withdrawals

  • You may request withdrawal of your available wallet balance at any time from your account dashboard, or by written request to the address in Section L.
  • Funds committed to pending submissions are not available for withdrawal until those submissions reach a final status.
  • Withdrawals are returned to the original funding method where the payment processor permits. Where it does not — for example, where a card authorization has aged beyond the processor’s refund window — the withdrawal is issued by ACH to a verified bank account in the account holder’s name.
  • Withdrawals are processed within [2] business days of approval. Receipt of funds is subject to your financial institution’s posting times.
  • Minimum withdrawal amount: $[“none”]. Swift-E does not charge a withdrawal fee.
  • Swift-E may require identity or ownership verification before releasing funds, and may decline or delay a withdrawal where required by law or where fraud is reasonably suspected.

H. How to Request a Refund

Submit refund requests to [accountspayable@swifterecordingservices.com] with the following information:

  • Account name and account email address.
  • Submission or tracking number(s), and the County of submission.
  • Date and amount of the charge.
  • The reason for the request, and any supporting documentation (rejection notice, receipt, screenshot).

Refund requests must be submitted within [90] days of the charge. We acknowledge requests within [2] business days and issue a determination within [10] business days. Approved refunds are credited to your Swift-E wallet by default; you may instead request return to the original payment method, subject to Section G.

I. Errors Attributable to Swift-E

Where a charge results from a defect, outage, or error in the Platform, Swift-E will refund the affected service fee in full and will bear the cost of correcting any resulting duplicate submission to the extent recoverable. This Section does not extend to County fees already remitted, which remain subject to Section E, and does not create liability for consequential damages, including recording-priority or lien-deadline consequences. Limitation of liability is governed by the Terms of Service.

J. Chargebacks and Payment Disputes

  • If you believe a charge is incorrect, contact Swift-E before initiating a dispute with your bank or card issuer. Most issues are resolved faster directly.
  • Initiating a chargeback may result in suspension of the account and of any pending submissions until the dispute is resolved.
  • Where a chargeback is resolved in Swift-E’s favor, the account holder is responsible for the disputed amount plus any chargeback fee assessed by the payment processor.
  • Chargebacks against County fees already remitted to a Clerk do not relieve the account holder of responsibility for those fees.

K. Account Closure and Unclaimed Funds

  • On closure of an account, any remaining available wallet balance is returned to the account holder within [INSERT] business days, subject to Section G.
  • Balances that remain unclaimed after the statutory dormancy period are reported and remitted to the Florida Department of Financial Services as required by Chapter 717, Florida Statutes (Disposition of Unclaimed Property).

L. Changes to This Policy; Governing Law; Contact

Swift-E may update this Policy from time to time. The version in effect at the time of a charge governs that charge. Material changes will be posted on the Platform and, where practicable, communicated to account holders by email at least [15] days before taking effect. This Policy is governed by the laws of the State of Florida, without regard to conflict-of-law principles, with venue in St Lucie County, Florida.

Swift-E Recording Services LLC1391 NW Saint Lucie West Blvd 154, Port St Lucie FL 34986
Email Customersupport@swifterecordingservices.com
Telephone 561-764-3617
Web swifterecordingservices.com