Terms of Service

These Terms of Service are a binding agreement between you and Tyla Marie Booker and Marlon Ray Swazy Jr., doing business as Swazy (collectively, "Swazy," "we," "us," or "our"). They govern access to and use of swazyy.com, Swazy creator accounts, public storefronts, hosted challenges, interactive guides, workbooks, customer access areas, AI-assisted creation tools, payment-related features, and any related applications or services that link to these Terms (collectively, the "Service").

By creating an account, starting a trial, purchasing a subscription, connecting a payment account, publishing content, buying a creator product, or otherwise using the Service, you agree to these Terms and the Swazy Privacy Policy. If you use Swazy on behalf of a company or organization, you represent that you have authority to bind that organization. If you do not agree, do not use the Service.

Additional terms shown during checkout, creator onboarding, a product purchase, an AI generation, a promotion, or the use of a particular feature form part of this agreement. If additional terms conflict with these Terms, the additional terms control only for that specific feature or transaction.

Creator accounts are intended only for individuals who are at least 18 years old, are legally capable of entering a contract, and are located in the United States. A creator acting for a business must have authority to act for that business. Swazy may require identity, age, tax, business, banking, or other verification before enabling sales or payouts.

The Service is not directed to children under 13. A buyer under the age of majority may use the Service only with the involvement and permission of a parent or legal guardian. Creators may not knowingly market restricted or age-inappropriate products to minors through Swazy.

Swazy is initially offered as a United States service. We do not represent that every feature, product, payment method, payout method, or legal framework is available or appropriate in other locations. You are responsible for complying with the laws that apply to you.

"Creator" means a person or business using Swazy to create, publish, promote, sell, license, or deliver products or services. "Buyer" means a person who views, registers for, purchases, or accesses a Creator Product. "Creator Product" means any challenge, interactive guide, workbook, downloadable file, digital resource, service, booking, membership, or other offering made available by a Creator through Swazy.

"Creator Content" means prompts, text, images, recordings, branding, files, data, product materials, testimonials, links, and other content submitted or published by a Creator. "AI Output" means content or recommendations produced through an AI-assisted feature. "Platform Fee" means the percentage or fixed amount Swazy deducts or collects from a Creator transaction. "Payment Processor" means Stripe or another authorized third-party payment provider.

Swazy provides technology that helps Creators build and host products, operate link-in-bio storefronts, accept payments through connected payment accounts, and deliver products to Buyers. Unless Swazy expressly states otherwise, each Creator is the seller, service provider, and licensor responsible for that Creator's products and customer relationships. The settlement merchant and statement descriptor for a payment are determined by the applicable Stripe Connect configuration. Swazy is not the author, publisher, instructor, health professional, financial adviser, employer, agent, partner, joint venturer, or guarantor of any Creator.

Buyer payments for Creator Products are processed using Stripe Connect direct charges. Stripe processes each payment directly on the Creator's connected Stripe account, with the Creator as the merchant, and Swazy collects its Platform Fee from each payment as an application fee. The Creator's business name or statement descriptor ordinarily appears on the Buyer's card or bank statement. The Creator is the seller or service provider for the underlying Creator Product and is responsible for its description, price, promises, refund policy, legal compliance, and fitness, subject to these Terms and Swazy's platform rules.

Swazy may assist with customer support, delivery, disputes, moderation, or refunds, but doing so does not make Swazy the seller of a Creator Product or create an agency, employment, fiduciary, or partnership relationship.

You must provide accurate, complete, and current information and keep it updated. You may maintain only the number of accounts Swazy permits. You may not impersonate another person, misrepresent ownership of a brand, conceal the true operator of a storefront, or transfer an account without Swazy's written approval.

You are responsible for account credentials, passkeys, multifactor authentication, authorized team members, and activity occurring through your account. Notify security@swazyy.com promptly if you suspect unauthorized access. Swazy may treat instructions from an authenticated account as authorized, but may require additional verification before sensitive changes, payouts, exports, or account recovery.

Team access, if offered, must be assigned to identifiable individuals. Creators are responsible for acts and omissions of collaborators, contractors, employees, and agents given access to their account.

To accept live payments, a Creator must establish and maintain an eligible connected account with Stripe. Stripe may collect legal name, date of birth, tax identification, business, ownership, banking, identity, and other information required for know-your-customer, anti-money-laundering, sanctions, fraud, and payment-network obligations. Stripe's agreements and privacy policy apply separately to the Creator's use of Stripe.

Swazy does not control Stripe's underwriting, verification, reserve, payout, account restriction, or termination decisions. A Creator must promptly complete requests from Stripe or Swazy. Payment acceptance may remain disabled until verification is complete. Swazy is not responsible for delays or losses caused by inaccurate information, failed verification, a processor restriction, or the Creator's violation of processor rules.

Creators authorize Swazy and Stripe to create charges on the Creator's connected account, collect Platform Fees as application fees, issue or facilitate refunds, receive transaction and account-status information, and take other actions reasonably necessary to operate Swazy's payment features. A Creator may not bypass Swazy's fee collection or manipulate transaction routing to avoid fees.

Paid creator plans renew automatically at the monthly or annual interval selected during checkout until cancelled. By starting a paid plan or trial requiring a payment method, you authorize Swazy and its Payment Processor to charge the applicable subscription price, taxes, and disclosed fees to your saved payment method when due without obtaining separate permission for each recurring charge.

You may cancel through the billing settings in your account. Cancellation takes effect at the end of the current paid period unless applicable law or the checkout terms require otherwise. You remain responsible for charges incurred before cancellation. Deleting an application, removing a link, disconnecting Stripe, or ceasing use does not by itself cancel a subscription.

Annual plans are billed in advance. Except where required by law or expressly stated in a written refund policy, subscription charges, annual charges, AI credit purchases, and Platform Fees are non-refundable. Swazy may offer a discretionary credit or refund without creating an obligation to do so in other cases.

Swazy may offer a 14-day free trial. Trial length, included AI Credits, feature access, and card requirements are displayed before enrollment. Unless cancelled before the stated deadline, the trial converts automatically to the selected paid plan and the payment method is charged.

During a trial, a Creator may build and preview a storefront or Creator Product, but paid checkout remains closed until the Creator selects the clearly disclosed "Go Live" control. Selecting Go Live may end the trial immediately, charge the first subscription period, and enable live payment processing. Previewing, editing, or sharing an internal preview does not by itself activate paid checkout.

Trial Credits are limited, non-transferable, non-refundable, and may not be replenished during the trial. Swazy may restrict multiple trials, duplicate accounts, automated signups, or other conduct intended to obtain repeated free use. Swazy will disclose the trial conversion date and amount at enrollment, send a reminder by email (through its Payment Processor) about 7 days before a 14-day trial converts, and provide cancellation access through account settings.

Swazy's current standard monthly plans are summarized below. The pricing page and checkout display the controlling price, billing interval, included features, AI allowances, and Platform Fee before purchase.

Annual pricing, included credits, feature limits, promotional pricing, and any additional transaction-related charges are displayed at checkout or on the Swazy pricing page and may change as permitted by these Terms.

Stripe processing charges, currency-conversion charges, chargeback fees, payout fees, taxes, and other third-party costs are separate from Swazy's Platform Fee unless expressly stated otherwise. A Creator must not represent that Swazy or Stripe processing is free when fees apply.

Swazy may change prices, included usage, or Platform Fees prospectively. For an existing paid subscription, material subscription-price changes ordinarily take effect at the next renewal after reasonable advance notice. Changes required by law, payment networks, fraud conditions, or third-party costs may take effect sooner where permitted. Continuing to use paid features after a change takes effect constitutes acceptance.

AI Credits are usage units for eligible AI-assisted actions. Different actions may consume different amounts based on length, model, media type, complexity, or processing cost. Current credit costs are listed on the Swazy pricing and billing pages. Because the cost of a generation depends on the size of what is actually built, Swazy may hold the largest applicable amount when a generation starts and returns any unused Credits when it finishes. Manual editing, rearranging content, uploading Creator Content, viewing analytics, ordinary storefront visits, and Buyer access do not consume AI Credits unless clearly disclosed.

Monthly subscription Credits reset at the end of the applicable billing cycle and do not roll over unless the plan expressly says otherwise. Purchased top-up Credits do not expire while the account remains open, but an active paid subscription is required to use them. If the subscription ends, unused top-up Credits remain associated with the open account but are unavailable until an eligible paid plan is reactivated. Credits have no cash value, are not legal tender, and cannot be transferred. Permanently closing the account forfeits unused Credits except where the purchase terms or applicable law require otherwise.

Credits held for a generation that fails are returned automatically, and Swazy may restore Credits consumed by another verified technical failure. Dissatisfaction with a completed generation does not automatically entitle a user to a Credit refund, although Swazy may provide regeneration tools or discretionary restoration. Swazy may impose usage limits, concurrency limits, abuse controls, or temporary rate limits to protect availability and cost integrity.

Creators may create and publish link-in-bio storefronts and Creator Products using Swazy's editors, templates, hosting, media, AI features, and delivery tools. Creators must review all product content before publication, accurately describe what Buyers will receive, disclose material limitations, and keep links and delivery materials functional.

Swazy may host interactive browser experiences and generate or deliver optional PDF companions. A PDF, preview, template, or AI-generated draft may not perfectly reproduce every interactive effect. Creators must test the public experience and mobile presentation before marketing it.

Creators must honor advertised access periods, start dates, capacity limits, live-session commitments, bonuses, and support promises. A Creator may not materially reduce a paid Buyer's access after purchase without the Buyer's consent or a lawful refund. Swazy may preserve Buyer access to previously purchased hosted content following Creator cancellation or suspension when technically and legally feasible.

A Creator may place a product in waitlist mode, optionally with an opening time. While a product is on a waitlist, Swazy does not accept orders for it and visitors may only leave an email address; the product opens automatically when the opening time passes or when the Creator turns the waitlist off. A countdown shown on a storefront is informational and set by the Creator. Swazy sends email to waitlist and subscriber lists only when the Creator uses Swazy's email tools (see Email marketing below).

Email marketing. Creators on an active plan can email their own contacts through Swazy: one-off emails, scheduled emails, and automations they turn on (such as a welcome email, waitlist and launch emails, post-purchase check-ins, daily challenge reminders and call reminders). Contacts come from people who subscribed, joined a waitlist, bought, or joined a challenge on the Creator's page, and from lists the Creator imports. The Creator is the sender and is responsible for the content and for complying with anti-spam and privacy laws (including CAN-SPAM, CASL and GDPR where they apply): the Creator may email only people who agreed to hear from them, may not import purchased, rented or scraped lists, and must provide a valid postal address, which Swazy adds to every marketing email. Swazy adds an unsubscribe link and one-click unsubscribe to every marketing email and stops sending to anyone who unsubscribes. Each plan includes a monthly number of marketing emails shown in the app. Swazy may limit, pause or end a Creator's sending for high bounce or complaint rates, misleading content, or other abuse that harms deliverability for others.

Storefronts may include music players (audio snippets the Creator uploads, or official embeds from services such as Spotify, Apple Music and SoundCloud) and stock photos from Pexels. Creators may upload only audio they own or are licensed to share. Embedded players are provided by those services under their own terms, and stock photos remain subject to the Pexels license.

A Buyer's purchase is a transaction with the applicable Creator. Before purchasing, Buyers should review the Creator's identity, description, price, delivery method, recurring-payment terms, refund policy, and any age, geographic, or professional limitations. Swazy may display checkout information and facilitate delivery, but does not independently verify every claim made by a Creator.

Buyers must provide accurate contact and payment information and may not use stolen payment credentials, initiate abusive disputes, obtain content through deception, share access credentials, circumvent access controls, or reproduce or redistribute Creator Products beyond the license provided.

Creators may offer sale prices, pay-what-you-want pricing (never below the Creator's minimum), discount codes, an optional add-on before payment (an "order bump"), bundles that unlock several products, and a one-time offer right after a purchase. When a Creator offers an after-purchase offer, Stripe keeps the Buyer's payment method on the Creator's connected account so the Buyer can accept that offer with one tap; it is charged only if the Buyer taps to accept, within two hours of the original payment, for the price shown. Otherwise the Buyer can pay through a separate checkout or decline. Each accepted add-on or offer is a separate order under these Terms and the Creator's refund policy.

Some Creator Products are memberships that renew automatically every week, month, or year at the price shown at checkout, until cancelled, and may begin with a free trial after which the first payment is charged unless cancelled first. A Buyer can cancel a membership at any time from the product's purchase page on Swazy (or by contacting the Creator); cancellation takes effect at the end of the period already paid for, and access ends then. A Creator may also offer a payment plan, in which the price is split into a set number of monthly payments charged automatically to the same payment method; access begins at purchase and continues after the final payment, and may end if a payment fails and is not recovered. Creators must describe what members receive and must not change a membership's price for existing members without notice required by law.

Digital access may begin immediately after successful payment. By requesting or receiving immediate delivery, a Buyer acknowledges that the product may be consumed before any statutory cancellation period expires, to the extent such acknowledgment is permitted by applicable law.

Each Creator must maintain a clear and lawful refund policy. Unless a separate Creator policy provides more favorable terms, Buyers should first contact the Creator through the contact method shown on the receipt or product page. Swazy may provide communication tools or help route a request but does not guarantee a particular outcome.

Because payments are direct charges on the Creator's connected account, Stripe debits refunds, disputes, chargebacks, and related amounts from the Creator's Stripe balance. The Creator is responsible for refunds, reversals, disputes, chargebacks, penalties, and delivery failures attributable to the Creator's transactions, subject to the Stripe arrangement and applicable law. Swazy may deduct amounts owed to Swazy from amounts payable to the Creator, suspend sales or payouts, require reimbursement, or take other lawful collection action.

Creators must respond promptly to information requests and preserve evidence of product descriptions, Buyer consent, delivery, access, communications, and refund decisions. Excessive disputes, misleading products, non-delivery, or failure to respond may result in restrictions or termination. Payment-processing fees from an original transaction may not be returned when a refund is issued.

Creators can issue a full refund of a Buyer's order from the Payments page in Swazy. The refund is created on the Creator's connected Stripe account and paid from the Creator's Stripe balance; the Platform Fee and Stripe's processing fee for the original payment are not returned. A fully refunded order no longer grants access to the product, including refunds a Creator issues directly in Stripe. Swazy emails the Buyer a refund confirmation on the Creator's behalf.

Payout timing, availability, and method depend on the Creator's connected account, available balance, country, bank, card eligibility, transaction history, risk level, weekends, holidays, and Stripe rules. Standard payouts carry no Swazy payout fee, although Stripe, a bank, or another provider may impose a separately disclosed charge. Any reference to a standard or estimated payout time is not a guarantee.

If Swazy offers Instant Payouts, only eligible Creators and eligible available balances may use them. Swazy's current Instant Payout fee is 2.5 percent of the payout amount on every plan, with a minimum fee of $0.50 per Instant Payout. The confirmation screen displays the controlling fee before submission. An Instant Payout does not eliminate the possibility of later refunds, disputes, reversals, negative balances, reserves, or collection obligations.

Swazy or Stripe may delay, hold, reserve, offset, or restrict amounts when reasonably necessary for legal compliance, suspected fraud, anticipated refunds or disputes, negative balances, processor requirements, sanctions screening, or protection of users and the Service. Swazy does not provide credit, lending, escrow, deposit accounts, or guaranteed liquidity through these features.

Creators are responsible for determining and satisfying all income, sales, use, gross-receipts, value-added, digital-goods, and other tax obligations arising from their business and Creator Products. Swazy does not provide tax, accounting, or legal advice.

Swazy or Stripe may collect tax information, issue tax forms, withhold amounts, calculate taxes, or provide tax-related tools where legally required or enabled. These services do not relieve a Creator of responsibility for classifying products, identifying nexus, registering, filing returns, remitting tax, and maintaining records. Buyers are responsible for taxes imposed directly on them unless collected at checkout.

Swazy uses artificial intelligence to help structure, draft, transform, summarize, style, and refine content. AI Output is probabilistic and may be incomplete, inaccurate, repetitive, biased, inappropriate, non-unique, or similar to output provided to others. Swazy does not guarantee factual accuracy, originality, copyrightability, legal compliance, commercial performance, or fitness for a particular purpose.

Creators must review, edit, fact-check, test, and approve every AI Output before publishing or selling it. A Creator may not describe AI Output as professional medical, legal, financial, mental-health, safety, or other regulated advice unless the Creator is properly qualified and the content complies with applicable law and professional standards.

Products built or changed with AI-assisted features are saved as unpublished drafts, each with its own version. Nothing an AI feature produces is shown to Buyers until the Creator publishes it, and a Creator can restore an earlier published version at any time.

Creators must have rights to all material supplied to an AI feature and must not submit confidential third-party information, protected health information, payment-card data, government identifiers, trade secrets, or content they are not authorized to process. Inputs — including any files a Creator attaches to an AI request — and related context may be transmitted to Swazy's infrastructure, Lovable's AI Gateway, and underlying AI service providers to generate output and secure the Service.

As between Swazy and the Creator, the Creator retains rights in Creator-provided inputs and, to the extent permitted by law, owns the AI Output generated specifically for that Creator, subject to Swazy's rights in its platform, templates, components, prompts, styles, and preexisting materials. Swazy does not promise that AI Output is exclusive or protectable.

Creators retain ownership of Creator Content. By submitting Creator Content, a Creator grants Swazy a worldwide, non-exclusive, royalty-free license to host, copy, process, reproduce, format, modify for technical compatibility, display, distribute, transmit, create delivery formats from, and otherwise use that content as reasonably necessary to operate, secure, support, improve, and provide the Service.

For public storefronts and public Creator Products, the license includes using names, handles, logos, product titles, thumbnails, previews, screenshots, and short excerpts to display the storefront, generate link previews, identify the Creator, provide search or recommendations, and market or demonstrate Swazy. Swazy will not use private unpublished Creator Content in public marketing without permission.

The Creator represents that the Creator Content and Swazy's authorized use of it do not infringe intellectual-property, privacy, publicity, confidentiality, contractual, or other rights. The Creator must obtain releases and permissions for people, brands, music, footage, testimonials, photographs, and other protected material included in a Creator Product.

Unless a Creator clearly states different lawful license terms, a completed purchase grants the Buyer a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Creator Product for the Buyer's own non-commercial purposes. The Buyer does not acquire ownership of the Creator's intellectual property.

A Buyer may not resell, sublicense, publicly display, publish, distribute, scrape, reproduce, share login access to, remove ownership notices from, train a competing system on, or create a substantially similar commercial product from a Creator Product except with the Creator's written permission or as permitted by law. Access may be restricted for infringement, fraud, chargebacks, credential sharing, or material breach.

Swazy and its licensors own the Service, software, source and object code, workflows, product-generation systems, templates, components, interfaces, designs, animations, branding, documentation, databases, compilations, and all related intellectual-property rights, excluding Creator Content.

Subject to these Terms, Swazy grants each user a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose. No right is granted to copy, reverse engineer, decompile, scrape, benchmark for publication, extract models or prompts, circumvent technical protections, create a competing service from Swazy's confidential elements, or use Swazy marks without permission.

"Swazy," its logo, and related names and designs are Swazy marks. Creator use of approved badge, embed, or referral materials must follow Swazy's brand guidelines and ends when authorization or the account ends.

You may use the Service only lawfully and in accordance with these Terms. You may not interfere with the Service; probe or defeat security; introduce malware; overload infrastructure; automate access beyond documented interfaces; scrape personal data; falsify engagement, sales, proof, reviews, testimonials, or analytics; evade usage or fee limits; or assist another person in doing so.

You may not harass, threaten, exploit, discriminate against, defame, stalk, dox, impersonate, or invade the privacy of another person. You may not use Swazy to coordinate illegal activity, manipulate Buyers, conceal material terms, make false scarcity claims, use fabricated credentials, or promise guaranteed health, income, investment, legal, or personal outcomes.

Creators must maintain reasonable customer support and must not use purchased customer information for unrelated marketing without lawful notice and consent.

The following are prohibited unless Swazy gives written approval and all legal and processor requirements are satisfied: illegal goods or services; fraud or deceptive business opportunities; pyramid or Ponzi schemes; counterfeit or infringing products; stolen data; malware; weapons; controlled substances; unlicensed gambling; explicit sexual services; hate or violent-extremist content; harassment services; fake documents; evasion tools; unauthorized financial services; unlicensed medical treatment; and products prohibited by Stripe or applicable card-network rules.

Swazy may prohibit additional categories based on safety, fraud, reputation, processor requirements, or legal risk. A product's omission from this list does not mean it is allowed. Creators must review then-current acceptable-use and payment-processor restrictions before selling.

Content concerning health, nutrition, fitness, mental health, finance, credit, investing, taxes, law, employment, housing, education, children, or other sensitive matters must be framed as general educational information unless provided by a properly licensed professional acting within scope. Appropriate qualifications, limitations, risks, and emergency guidance must be disclosed.

Swazy is not designed to store protected health information on behalf of covered entities and does not enter into a HIPAA business associate relationship unless expressly agreed in writing. Creators may not use Swazy for diagnosis, emergency services, prescriptions, individualized treatment, custody decisions, credit decisions, employment screening, or other high-impact decisions without prior written approval and all legally required safeguards.

No Creator may guarantee earnings, cures, weight loss, investment returns, legal outcomes, or other results. Testimonials must be genuine, authorized, and accompanied by disclosures required by law.

Swazy may use automated and manual systems to review account, content, transaction, device, and usage signals for security, fraud, abuse, legal compliance, and policy enforcement. Swazy may request records, credentials, licenses, identity information, source materials, or customer-support evidence.

Swazy may remove or restrict content, place a product in review, delay publication, suspend checkout, limit AI use, preserve evidence, contact affected users, or terminate accounts when Swazy reasonably believes action is needed. Swazy is not obligated to monitor every product and does not endorse content merely because it remains available.

Where appropriate, a user may appeal a moderation decision by contacting legal@swazyy.com with the account email, affected content, and supporting information. Swazy may decline repetitive, abusive, fraudulent, or legally prohibited appeals.

Swazy respects intellectual-property rights. A copyright owner or authorized agent may send a notice to legal@swazyy.com identifying the copyrighted work, the allegedly infringing material and its location, contact information, a good-faith statement, an accuracy and authority statement under penalty of perjury, and a physical or electronic signature.

A user whose material is removed may submit a legally sufficient counter-notice. Swazy may forward notices and counter-notices to the affected parties and restore content as permitted by law. Swazy may terminate repeat infringers in appropriate circumstances.

To seek the safe-harbor protections of the Digital Millennium Copyright Act, Swazy must separately register and maintain a designated agent with the United States Copyright Office. The contact above does not itself complete that registration.

If you provide suggestions, ideas, requests, or feedback, you grant Swazy a perpetual, worldwide, royalty-free right to use them without restriction or compensation, provided Swazy does not publicly identify you as the source without permission.

Swazy may create aggregated or de-identified statistics from use of the Service, such as generation patterns, product structures, feature adoption, conversion ranges, performance benchmarks, error rates, and fraud signals. Swazy may use and disclose that information to operate, analyze, secure, improve, and develop the Service, provided it is not used to identify an individual and Swazy does not attempt to re-identify it.

Private unpublished Creator Content will not be used in public marketing without consent. Swazy will not intentionally authorize third-party providers to train public general-purpose models on private Creator Content when contractual or technical controls are available to prevent that use.

The Swazy Privacy Policy explains how Swazy collects, uses, shares, retains, and protects personal information. By using the Service, you acknowledge those practices. Creators who collect Buyer information through their storefronts are independently responsible for providing legally required privacy notices and honoring applicable privacy rights.

A Creator may use Buyer data only to deliver and support the purchased product, administer the customer relationship, comply with law, and conduct marketing for which the Creator has a lawful basis and any required consent. Creators may not sell Buyer data, scrape it, enrich it with unlawfully obtained information, or use it for discriminatory or unrelated purposes.

The Service relies on third parties, including Stripe for payments and connected accounts, Lovable and related infrastructure for application and AI functionality, cloud and database providers, underlying AI-model providers, email and communications vendors, analytics, fraud prevention, and support tools. Third-party terms and privacy practices may apply.

Swazy is not responsible for third-party services, websites, integrations, outages, security failures, policy changes, or content outside Swazy's reasonable control. Links do not imply endorsement. You authorize Swazy to exchange information with a connected service as necessary to enable the integration you request.

Swazy may add, remove, redesign, limit, or discontinue features and may perform maintenance without liability. We aim to provide a reliable Service but do not guarantee uninterrupted availability, error-free operation, permanent storage, a particular AI model, a particular layout, or continued compatibility with every browser, in-app browser, device, integration, or payment method.

Beta, preview, experimental, and early-access features may be incomplete, changed without notice, subject to lower limits, or discontinued. Unless expressly stated otherwise, they are provided without service-level commitments.

You may cancel a subscription through account settings. Swazy may suspend or terminate access immediately for fraud, illegal conduct, safety risk, processor restriction, nonpayment, infringement, repeated disputes, serious breach, or conduct that threatens users or the Service. For other material breaches, Swazy may provide notice and a reasonable opportunity to cure when appropriate.

When a subscription ends, new orders and AI generation pause, and custom publishing or other paid functionality may be disabled. Existing Buyers retain access to previously purchased content to the extent technically and legally feasible. Creators remain responsible for unresolved transactions, refunds, disputes, taxes, and amounts owed.

Sections that by their nature should survive termination survive, including payment obligations, intellectual-property provisions, licenses needed to preserve Buyer access, disclaimers, liability limits, indemnification, dispute resolution, and general provisions.

Before cancellation, Creators should export available customer and product records. Swazy may provide a limited period to retrieve account information after termination, but does not guarantee indefinite storage. Swazy may retain records as required for transactions, Buyer access, fraud prevention, dispute handling, backups, legal compliance, and legitimate business purposes.

Account deletion does not require Swazy to delete information that must be retained by law, is needed to complete a transaction, protects legal rights, exists in secure backups pending ordinary deletion, or has been lawfully de-identified. Buyer licenses and delivery records may remain available after a Creator account ends.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE, AI FEATURES, TEMPLATES, HOSTING, PAYMENT-RELATED TOOLS, CREATOR PRODUCTS, AND ALL RELATED CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." SWAZY DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, SECURITY, AVAILABILITY, AND RESULTS.

SWAZY DOES NOT WARRANT THAT A CREATOR WILL EARN MONEY, ATTRACT CUSTOMERS, ACHIEVE A PARTICULAR CONVERSION RATE, RETAIN BUYERS, OR OBTAIN ANY BUSINESS RESULT. SWAZY DOES NOT WARRANT THE ACCURACY, ORIGINALITY, SAFETY, LEGALITY, OR QUALITY OF AI OUTPUT OR CREATOR PRODUCTS. YOU USE AND RELY ON THEM AT YOUR OWN RISK.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS. IN THAT EVENT, THE DISCLAIMERS APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SWAZY AND ITS OPERATORS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY; COST OF SUBSTITUTE SERVICES; OR LOSSES ARISING FROM CREATOR PRODUCTS, AI OUTPUT, PAYMENT-PROCESSOR ACTIONS, ACCOUNT SUSPENSION, UNAUTHORIZED ACCESS, OR SERVICE INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SWAZY'S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF ONE HUNDRED UNITED STATES DOLLARS OR THE AMOUNT THE CLAIMANT PAID DIRECTLY TO SWAZY DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. AMOUNTS PAID TO A CREATOR FOR A CREATOR PRODUCT ARE NOT AMOUNTS PAID TO SWAZY FOR PURPOSES OF THIS LIMIT.

These limitations do not exclude liability that cannot lawfully be excluded, including liability for intentional misconduct where applicable. The allocation of risk in this section is an essential basis of the agreement.

You will defend, indemnify, and hold harmless Swazy and its operators, affiliates, service providers, licensors, and representatives from claims, proceedings, losses, liabilities, penalties, damages, judgments, and reasonable legal fees arising from your Creator Products, Creator Content, business, customer relationships, taxes, refunds, disputes, violation of law, violation of third-party rights, misuse of the Service, or breach of these Terms.

Swazy may control the defense of an indemnified matter with counsel of its choice. You may not settle a matter in a way that admits fault by or imposes obligations on Swazy without written consent. This section does not require a consumer to indemnify Swazy to the extent prohibited by applicable law.

Please contact legal@swazyy.com before filing a formal claim. The notice must describe the issue, relevant account and transaction information, requested relief, and supporting documents. The parties will attempt in good faith to resolve the dispute for 30 days after receipt.

Except for eligible small-claims matters and requests for temporary or injunctive relief involving intellectual property, security, fraud, or unauthorized access, any dispute arising from these Terms or the Service will be resolved by binding individual arbitration under the Federal Arbitration Act. Consumer disputes will be administered under the American Arbitration Association Consumer Arbitration Rules; other disputes will be administered under the applicable AAA Commercial Arbitration Rules. Arbitration may occur by video, telephone, documents, or at a reasonably convenient location as determined under the applicable rules.

YOU AND SWAZY WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR ARBITRATION. THE ARBITRATOR MAY AWARD RELIEF ONLY TO THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO RESOLVE THAT PARTY'S CLAIM.

You may opt out of this arbitration agreement by emailing legal@swazyy.com within 30 days after first accepting these Terms. The message must include your full name, account email, mailing address, and an unambiguous statement that you opt out of arbitration. Opting out does not affect any other provision.

If the class-action waiver or a material portion of this arbitration section is found unenforceable for a particular claim, that claim will proceed in a court of competent jurisdiction and the remaining claims will be arbitrated. Nothing prevents either party from reporting conduct to a government agency.

These Terms and any non-arbitrable dispute are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration provisions. Subject to the arbitration section, the parties consent to exclusive jurisdiction in the state and federal courts located in Florida, unless consumer law requires another forum.

You consent to receive agreements, disclosures, receipts, trial and renewal notices, policy updates, security alerts, and other communications electronically. Swazy may deliver them through email, account notifications, the Service, or the contact information associated with your account. You are responsible for maintaining a valid email address and reviewing notices.

Marketing communications are optional where required by law. Transactional, security, legal, billing, and service messages are necessary to operate an account and may continue even if you unsubscribe from marketing.

You may not use the Service in violation of United States export-control, sanctions, anti-boycott, anti-money-laundering, or anti-bribery laws. You represent that you are not located in, ordinarily resident in, organized under the laws of, or acting for a prohibited jurisdiction or sanctioned party, and are not using Swazy for prohibited transactions.

Swazy may update these Terms to reflect new features, pricing, legal requirements, risk controls, or business practices. The "Effective date" will be updated. When a change materially affects existing users, Swazy will provide reasonable notice through email or the Service before it takes effect, unless immediate change is required for legal, security, or fraud reasons.

Continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the affected Service and cancel before the change takes effect. Changes do not retroactively alter completed Buyer transactions unless required by law or agreed by the affected parties.

These Terms, the Privacy Policy, applicable checkout terms, and referenced policies are the entire agreement concerning the Service. Failure to enforce a provision is not a waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary and the remainder remains effective.

You may not assign these Terms without Swazy's written consent. Swazy may assign them in connection with a merger, acquisition, financing, reorganization, sale of assets, or transfer of the Service. Headings are for convenience. "Including" means "including without limitation." Electronic copies and acceptances have the same effect as originals.

No person other than the parties has a right to enforce these Terms, except Swazy's operators, affiliates, licensors, service providers, and representatives may rely on provisions expressly benefiting them.

Questions about these Terms or legal notices may be sent to legal@swazyy.com. Privacy requests should be sent to privacy@swazyy.com. Security reports should be sent to security@swazyy.com.

Swazy is operated by Tyla Marie Booker and Marlon Ray Swazy Jr., doing business as Swazy, in Florida, United States. Before publishing these Terms, Swazy should ensure that each listed email address is active and monitored.