Terms of service

Acceptance of These Terms

These Terms of Service (the “Terms”) form a binding agreement between Swift-E Recording Services LLC, a Florida limited liability company (“Swift-E,” “we,” “us”), and the person or entity that registers for or uses the Swift-E platform (“you,” “Client,” “Submitter”). By creating an account, checking the acceptance box at registration, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you accept these Terms on behalf of a company or other entity, you represent that you have authority to bind that entity, and “you” refers to that entity.

These Terms incorporate by reference the Swift-E Privacy Policy and the Swift-E Refund and Wallet Funds Policy, each as published at swifterecordingservices.com. Where these Terms conflict with the Refund Policy on the subject of refunds, the Refund Policy controls. Where they conflict with the Privacy Policy on the handling of personal information, the Privacy Policy controls.

Definitions

Term	Meaning
Service	The Swift-E electronic recording platform, website, and related services.
Document	An instrument you upload for submission, together with its index data.
County	A Florida Clerk of the Circuit Court, County Recorder, or comparable recording office participating with Swift-E.
Official Records	The permanent public record maintained by a County under Chapter 28, Florida Statutes.
Submission	The transmission of a Document by Swift-E to a County at your direction.
Recording Fees	Statutory fees and documentary stamp or intangible taxes set by a County or the State of Florida.
Service Fee	Swift-E’s per-Document fee for transmitting a Submission.
Wallet	The prepaid account balance from which Service Fees and Recording Fees are debited.

Eligibility and Account Registration

You must be at least 18 years old and capable of forming a binding contract. The Service is offered for business and professional use.
You must provide accurate, current, and complete registration information and keep it updated. Account classification and industry type determine your applicable rate.
You are responsible for maintaining the confidentiality of your credentials and for all activity under your account, whether or not authorized by you. We strongly recommend enabling two-factor authentication.
If you authorize additional users under your account, you are responsible for their acts and omissions as if they were your own, and you must ensure they comply with these Terms.
Notify us immediately at the address in Section 23 of any suspected unauthorized access.

What the Service Is — and What It Is Not

Swift-E is a document transmission service. We format and electronically deliver Documents you provide to Counties you select, return County responses and recorded Documents to you, and administer the associated fees

SWIFT-E IS NOT A LAW FIRM, TITLE COMPANY, ABSTRACTOR, ESCROW AGENT, OR LICENSED PROFESSIONAL. WE DO NOT PROVIDE LEGAL ADVICE. NO ATTORNEY-CLIENT RELATIONSHIP IS CREATED BY YOUR USE OF THE SERVICE. WE DO NOT REVIEW DOCUMENTS FOR LEGAL SUFFICIENCY, ACCURACY, VALIDITY, ENFORCEABILITY, OR FITNESS FOR ANY PURPOSE, AND WE DO NOT ADVISE ON WHETHER A DOCUMENT SHOULD BE RECORDED, WHEN, OR IN WHICH COUNTY.

Any validation, formatting check, fee estimate, or extraction the platform performs is a convenience feature only. It is not a legal review and must not be relied on as one. Questions about the content, effect, or timing of a Document should be directed to your own attorney.

We do not guarantee that any County will accept or record a Document. Acceptance is the County’s decision, made under its own rules and Florida law. A County’s rejection of a Document is not a failure of the Service.

Your Responsibilities as Submitter

You represent and warrant, for each Document you submit, that:

You have the legal right and authority to submit it for recording, and the authority of any party on whose behalf you act.
It is genuine, is not forged or fraudulently altered, and the signatures and notarial acts appearing on it are authentic.
It is complete, legible, and accurate, and its index data — including party names, legal description, and parcel identifiers — is correct.
It is appropriate for recording in the County you have selected, and is an eligible document type in that County.
It complies with the applicable County's formatting requirements, including page size, margins, resolution, and legibility standards.
You have calculated or verified any consideration amount, documentary stamp tax, or intangible tax reported with it.
Its recording does not violate any law, court order, or the rights of any person.

You are solely responsible for the content of every Document you submit and for the consequences of its recording. You must review every Document, and every field associated with it, before authorizing Submission.

County Rules, Cutoffs, and Processing Times

Each County sets its own business rules, eligible document types, formatting standards, fee schedules, submission cutoff times, batch and file size limits, and processing windows. Those rules govern your Submissions and may change without notice to us.
The Service may accept uploads at any time, but a Submission transmitted after a County's daily cutoff, or on a weekend, County holiday, or day the County's systems are unavailable, will not be processed until the County's next business day.
Counties may take time to process a received Submission, and processing times vary by County and by volume. We report County status as the County provides it to us.
A County may reject, suspend, withdraw, or void a Submission at its discretion. We will pass through the County's stated reason where one is provided.
We may add, suspend, or discontinue support for any County at any time.

Time-Sensitive and Statutory Deadlines

MANY RECORDED INSTRUMENTS ARE SUBJECT TO STATUTORY DEADLINES AND PRIORITY RULES. A NOTICE OF COMMENCEMENT UNDER SECTION 713.13, FLORIDA STATUTES, A CLAIM OF LIEN, A NOTICE TO OWNER, AND OTHER INSTRUMENTS MAY LOSE LEGAL EFFECT, PRIORITY, OR ENFORCEABILITY IF NOT RECORDED BY A REQUIRED DATE OR IN A REQUIRED SEQUENCE. YOU ARE SOLELY RESPONSIBLE FOR KNOWING AND MEETING EVERY DEADLINE THAT APPLIES TO YOUR DOCUMENTS. SWIFT-E DOES NOT TRACK, CALCULATE, MONITOR, WARN OF, OR GUARANTEE COMPLIANCE WITH ANY DEADLINE.

Because Submission and recording depend on County systems, County business hours, and factors outside our control, you must not rely on the Service to record a Document on any particular day. Submit well in advance of any deadline and confirm recording before relying on it. If a Document is time-critical, consider recording it in person or by another method that does not depend on our systems or a County’s electronic queue.

Optional Automated Extraction

The Service offers an optional feature that uses optical character recognition and artificial intelligence to read a Document and propose index field values. This feature is provided for convenience only.

Extracted values are proposals, not verified data. They may be incomplete, wrong, or misattributed.
You must review and correct every extracted field before authorizing Submission. No extraction output is transmitted to a County without your review.
Swift-E makes no warranty as to the accuracy of extraction and is not liable for any error in an extracted value that you approve.
You may decline extraction and enter all fields manually.

Section 14 and the Privacy Policy describe how Document content is processed by our service providers when you use this feature.

Fees, Wallet, and Payment

There is no charge to create an account. There is no subscription, annual fee, or minimum volume requirement. You pay per Document recorded through the Service.
You fund your Wallet in advance by card or ACH. Service Fees are debited at Submission; Recording Fees are charged as described in the Refund Policy.
Recording Fees are set by the County and the State, are collected by us and remitted in full to the County, and may be estimated at Submission and reconciled on acceptance.
Your Service Fee rate is the rate applicable to your account classification, or any negotiated rate we have assigned to your account. We may change published rates prospectively on notice.
You are responsible for maintaining a sufficient Wallet balance. Submissions may be blocked if your balance is insufficient.
If your Wallet becomes negative — including after a reversed or returned payment — the amount is immediately due, and we may suspend the account until it is cured.
Refunds, withdrawals, chargebacks, and account-closure balances are governed by the Refund and Wallet Funds Policy.

Prohibited Uses

You may not, and may not permit anyone else to:

Submit any forged, fraudulent, altered, or unauthorized Document, or any Document you lack authority to record.
Submit any Document intended to cloud title, harass, defraud, or intimidate, including any fraudulent lien or false claim against property or against a public official.
Misrepresent your identity, your authority, your account classification, or the nature of your business, or use another person's account.
Share, sell, or resell account credentials, or provide access to the Service to any third party except authorized users under your account.
Circumvent or attempt to circumvent fees, rate classifications, usage limits, or access controls.
Reverse engineer, decompile, scrape, probe, or attempt to gain unauthorized access to the Service or its underlying systems, or test its security without our prior written consent.
Introduce malware, interfere with the operation of the Service, or impose an unreasonable load on our infrastructure or a County's systems.
Use the Service in violation of any law, County rule, or our agreements with any County.

We may report suspected fraudulent or unlawful Submissions to the affected County and to law enforcement, and may preserve and disclose records as required by law.

Your Content and Our Platform

You retain all rights in the Documents you submit. You grant Swift-E a limited, non-exclusive, royalty-free license to host, store, reproduce, convert, format, transmit, and display those Documents and their index data solely to provide the Service, to comply with law, and to maintain records. We do not use your Documents to train artificial intelligence models and do not sell or license them to third parties.

Swift-E owns all rights in the Service, including its software, interfaces, designs, documentation, trademarks, and the Swift-E name and marks. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes. No other rights are granted. Any feedback you provide may be used by us without obligation to you.

Third-Party Services

The Service depends on third parties, including cloud infrastructure and artificial intelligence services provided by Microsoft, payment processing provided by Stripe, email delivery, and the electronic recording systems operated by or for each County. Your use of the Service may be subject to those providers’ terms. We are not responsible for the acts, omissions, availability, errors, or security of any third party, including any County.

Electronic Records and Signatures

You consent to transact with us electronically. You agree that your electronic acceptance of these Terms, your electronic authorization of Submissions and payments, and the electronic records we maintain have the same legal effect as writings and signatures on paper, under the federal E-SIGN Act, the Uniform Electronic Transaction Act as adopted in Chapter 668, Part I, Florida Statutes, and Section 695.27, Florida Statutes. You may request paper copies of records by contacting us. You may withdraw consent to electronic transactions only by closing your account, because the Service cannot be provided otherwise.

Confidentiality and Privacy

Our handling of personal information is governed by the Privacy Policy. You acknowledge and agree that:

Documents you submit routinely contain personal information about third parties. You represent that you have the authority to provide that information to us for the purpose of recording.
Once a Document is recorded, it becomes a public record under Chapter 119, Florida Statutes, published by the County and permanently outside our control. We cannot retract, redact, or remove a recorded Document. Redaction requests must be made to the County.
Where you are subject to the Gramm-Leach-Bliley Act or comparable obligations, we act as your service provider with respect to information you provide, and will execute a reasonable written service provider agreement on request.

Disclaimers of Warranty

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SWIFT-E DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY SUBMISSION WILL BE TRANSMITTED, ACCEPTED, OR RECORDED BY ANY DEADLINE OR AT ALL; THAT FEE ESTIMATES OR EXTRACTED VALUES WILL BE ACCURATE; OR THAT COUNTY STATUS INFORMATION WILL BE COMPLETE OR CURRENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SWIFT-E WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, OR LOSS OF DATA, EVEN IF ADVISED OF THE POSSIBILITY. WITHOUT LIMITING THE FOREGOING, SWIFT-E WILL NOT BE LIABLE FOR ANY LOSS OF LIEN RIGHTS, LOSS OF RECORDING PRIORITY, MISSED STATUTORY OR CONTRACTUAL DEADLINE, DEFECT IN TITLE, FAILED OR DELAYED CLOSING, REJECTED OR DELAYED SUBMISSION, OR ANY CONSEQUENCE OF A COUNTY’S ACT, OMISSION, DELAY, ERROR, OR SYSTEM UNAVAILABILITY.

Aggregate cap. Swift-E’s total cumulative liability arising out of or relating to the Service and these Terms, on any theory of liability, will not exceed the greater of (a) the total Service Fees you paid to Swift-E in the [12] months immediately preceding the event giving rise to the claim, or (b) [$500]. Recording Fees remitted to a County are not “Service Fees” for this purpose.

These limitations apply even if a remedy fails of its essential purpose, and form an essential basis of the bargain. Some jurisdictions do not allow certain exclusions, in which case they apply to the fullest extent permitted.

Indemnification

You will defend, indemnify, and hold harmless Swift-E, its members, officers, employees, and contractors from and against any claim, demand, proceeding, loss, liability, damage, fine, penalty, cost, or expense (including reasonable attorneys’ fees) arising out of or relating to: (a) any Document you submit, including its content, accuracy, authenticity, authority, or the consequences of its recording or non-recording; (b) your breach of these Terms or any representation in Section 5; (c) your violation of law or of any County’s rules; (d) any claim by a third party named in a Document you submitted; or (e) use of your account, whether or not authorized by you. We will notify you of any claim and may participate in its defense with counsel of our choosing at our expense. You may not settle any claim in a manner that imposes obligation or admits fault on our part without our written consent.

Suspension and Termination

You may close your account at any time. Remaining Wallet funds are returned under the Refund Policy.
We may suspend or terminate your account, immediately and without prior notice, if we reasonably believe you have breached these Terms, submitted a fraudulent or unlawful Document, created risk to us or to a County, or failed to cure a negative balance.
We may also terminate for convenience on [30] days' notice, in which case we will return your available Wallet balance.
On termination, your right to use the Service ends. Documents already submitted continue to their County disposition. Sections 5, 11, 14, 15, 16, 17, 20, and 22 survive termination.
We will make your submission history available for export for [30] days following termination, after which it is subject to our retention schedule.

Force Majeure

Swift-E is not liable for any delay or failure in performance caused by circumstances beyond our reasonable control, including County system outages, County closures, changes in County rules or fees, acts of government, natural disasters, hurricanes and severe weather, power or telecommunications failures, cloud provider or payment processor outages, labor disruption, cyberattack, or war.

Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Informal resolution first. Before filing any claim, you agree to contact us at the address in Section 23 and attempt in good faith to resolve the dispute for at least 30 days.

Limitations period. Any claim arising out of these Terms or the Service must be brought within [one] year after the claim accrues, or it is permanently barred, except where a shorter or longer period is required by law.

Changes to These Terms

We may modify these Terms. We will post the revised version with an updated effective date and, for material changes, provide notice to account holders by email or in-platform notice at least [15] days before they take effect. Continued use of the Service after the effective date constitutes acceptance. The version in effect at the time of a Submission governs that Submission. We maintain prior versions on request.

General Provisions

Entire agreement. These Terms, together with the Privacy Policy and the Refund Policy, are the entire agreement between us regarding the Service and supersede all prior understandings.
Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the remainder stays in effect.
No waiver. Our failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
No third-party beneficiaries. Nothing in these Terms confers rights on any person other than you and Swift-E. Counties are not third-party beneficiaries.
Relationship. The parties are independent contractors. Nothing creates a partnership, joint venture, agency, or employment relationship.
Notices. We may give notice by email to your account address or by in-platform notice. You must give notice in writing to the address in Section 23.
Headings. Headings are for convenience and do not affect interpretation.

Contact

Swift-E Recording Services LLC	[INSERT MAILING ADDRESS]
Email	customersupport@swifterecordingservices.com [CONFIRM]
Telephone	561-764-3617 [CONFIRM]
Web	swifterecordingservices.com

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