Terms & Conditions

About SigSwift

SigSwift is an online platform that provides customisable contract templates and electronic signature functionality to individuals and businesses in Ireland. Certain templates may be prepared, reviewed, or updated with input from qualified Irish legal professionals.

SigSwift is operated by SigSwift

Contact us at: hello@sigswift.com

Nature of the Service

SigSwift provides access to contract templates designed to provide a legally structured starting point for common contractual arrangements. The platform is not a substitute for bespoke legal advice.

SigSwift is not a law firm and does not provide legal, tax, accounting, regulatory, or other professional advice. No solicitor-client, fiduciary, or other professional advisory relationship is created through use of the platform.

Unless expressly stated otherwise, SigSwift is not a party to any contract created, shared, or signed using the platform and does not act as the agent, broker, escrow provider, guarantor, solicitor, or representative of any contracting party. The rights and obligations created by a user-generated contract are between the parties to that contract.

User Responsibilities

You are solely responsible for:

• Ensuring the accuracy, completeness, and lawfulness of information entered into contracts
• Reviewing the entire generated contract carefully before payment, sharing, or signing
• Ensuring signing parties have legal authority and capacity to sign
• Determining whether a template and the selected options are suitable for your circumstances
• Determining whether the level of electronic signature offered by SigSwift is legally appropriate for your intended use
• Obtaining any witnessing, notarisation, registration, filing, tax, regulatory, or other formalities required for the transaction
• Maintaining independent copies of signed contracts and important records
• Ensuring your use of SigSwift complies with applicable law and third-party rights

Certain document types may require additional formalities including witnessing, notarisation, wet-ink signatures, or advanced electronic signatures. Users are responsible for determining whether SigSwift's signing method is appropriate for their intended use case.

Eligibility

To use SigSwift you must:

• Be at least 18 years of age
• Have the legal capacity to enter into contracts
• Be acting in compliance with applicable Irish and EU law

Account Registration

Certain features of SigSwift require account registration. You are responsible for maintaining the confidentiality of your login credentials and for all activity occurring under your account.

You must notify us immediately at hello@sigswift.com if you suspect unauthorised use of your account.

Fees and Payment

Per-Contract Fee

A fee is charged each time a contract is created on the platform. Charges apply regardless of whether all parties subsequently sign the contract. The creation of the contract — not the completion of signing — triggers the charge.

Bundle Credits

Bundle credits are non-transferable, tied to your account, and expire 12 months from the date of purchase unless otherwise stated. You will receive an email reminder before credits expire.

VAT

Prices and checkout pages will state whether VAT is included or added. Where VAT is chargeable, it will be applied at the legally applicable rate. The total amount payable will be shown before the User confirms the purchase. Where available, a receipt or VAT invoice may be provided through the platform or by email.

Price Changes

SigSwift reserves the right to change pricing at any time. Existing purchased credits will not be affected by future pricing changes.

Consumer Cancellation Rights and Refunds

Nothing in these Terms removes or restricts any cancellation, refund, price-reduction, repeat-performance, or other remedy that a Consumer is entitled to under the Consumer Rights Act 2022 or other mandatory law.

Immediate Performance

SigSwift is designed to begin performing paid contract-generation services immediately. Where applicable law provides a cancellation period, SigSwift may ask a Consumer to expressly request that performance begin during that period and to acknowledge the legal consequences of full performance. The specific request and acknowledgement presented at checkout form part of the transaction record.

Where the law permits a right to cancel to be lost following full performance, that right is lost only when the applicable statutory conditions have been satisfied. Where a Consumer validly cancels before full performance, any amount payable for services already supplied will be determined in accordance with applicable law.

User-Entered Errors

Users must review all information before requesting generation. Once a contract has been generated and locked, SigSwift is not obliged to provide a free replacement solely because the User supplied incorrect information or selected the wrong options. This does not affect any remedy arising from a failure by SigSwift to supply the service in conformity with the contract or any other mandatory Consumer right.

Bundle Credits

Any cancellation or refund right relating to a bundle purchase will be determined by applicable consumer law and the extent to which the relevant service or credits have been supplied or used. Any refund offered outside a statutory entitlement is discretionary and does not create an obligation to offer the same outcome in another case.

Contract Editing and Locking

Drafts may be edited while the relevant workflow permits editing. Before a paid contract proceeds to generation and signing, the User is responsible for reviewing the document and confirming that the information and terms are correct. Once a contract is locked for generation or signing, it may no longer be editable through the ordinary workflow because preserving a stable document is necessary for payment, signing, and audit integrity.

If different terms are required after a contract has been locked or generated, a new or revised contract may need to be created and may attract a separate charge.

Draft Sharing

Shared drafts are provided for review and discussion only and are not signed contracts. A User who publishes or distributes a draft is responsible for deciding what information is appropriate to make available to recipients of the link.

A shareable link should be treated as capable of being forwarded by its recipient. Users should not place sensitive or unnecessary personal information in a draft intended for public or broad distribution. SigSwift may preserve immutable versions of published drafts so that earlier versions can be distinguished from later revisions.

Photographs and Supporting Evidence

Optional Evidence Feature

Where a SigSwift contract permits photographs or other supporting images to be included, this functionality is an optional evidential feature intended to help the parties record matters such as the condition, appearance or identification of property, goods, vehicles, equipment or other relevant subject matter. The primary service supplied by SigSwift remains the generation and electronic signing of the contract document.

Image Processing and Document Layout

Photographs uploaded to SigSwift are prepared for inclusion within a contract document. SigSwift may resize, recompress, reformat or otherwise process an uploaded image so that it can be incorporated into the contract and displayed within the available document layout.

SigSwift does not provide an original-quality photographic storage, reproduction or archival service. The version of a photograph appearing in a generated contract may therefore have a lower resolution, smaller dimensions, reduced file size or less fine detail than the image originally uploaded.

A reduction in image quality, resolution, dimensions or fine detail that results from this normal processing or from fitting a photograph within the contract document shall not, by itself, mean that the SigSwift service has been supplied incorrectly, provided that the photograph remains reasonably usable for its intended purpose as supporting evidence within the contract.

User Review and Source Image Quality

Users are responsible for uploading photographs of sufficient quality for their intended evidential purpose and for reviewing the photographs as displayed in the contract before the document is locked, purchased or signed. SigSwift cannot improve detail that was not present in the image originally supplied by the User.

If a photograph is particularly important to a transaction, Users should also retain the original photographic file independently of SigSwift.

Nothing in this section excludes or restricts any mandatory right or remedy available to a Consumer where the SigSwift service has not been supplied in conformity with the applicable service contract or with applicable law.

Draft and Contract Expiry

Private drafts and shared drafts are subject to different availability periods. An unpaid draft that has never been shared may be deleted once it is more than 30 days old. A shared draft will remain available through its share link for 90 days from the date on which it is first published. Publishing the draft again or publishing a revised version does not restart or extend that 90-day period. The platform may display the applicable expiry date.

Where payment is required for a contract, the paid contract will remain available for completion and signing for 90 days from the date payment is completed. If the contract has not been fully signed within that period, SigSwift may mark it as expired and disable further signing. A new contract may then be required if the parties still wish to proceed.

Individual signing invitation links may expire earlier for security reasons. Where the underlying paid contract remains within its 90-day completion period, replacement signing links may be issued through the platform or support process where available.

SigSwift may provide reminders before a shared draft or paid contract expires. Users remain responsible for reviewing and completing the contract within the applicable period. Expiry of a shared draft or an incomplete paid contract does not require SigSwift to delete payment, security, fraud-prevention, legal, regulatory, audit, or other records that SigSwift is entitled or required to retain.

Electronic Signatures and Signing Evidence

SigSwift facilitates electronic signatures within the meaning of Regulation (EU) No 910/2014 (eIDAS), as amended. Unless expressly stated otherwise for a particular product, SigSwift's ordinary signing process is not represented as an advanced electronic signature or a qualified electronic signature.

SigSwift may record invitation events, timestamps, electronic-signature consent, signing actions, document hashes, IP addresses, user-agent information, and other audit data. This evidence is intended to support the integrity and evidential record of the electronic transaction; it is not a guarantee that a signature or contract cannot be challenged.

Signing links are security credentials intended for their recipients. Users and signers must not knowingly disclose signing links to unauthorised persons. SigSwift is not responsible for a party's refusal or failure to sign, or for a User sending an invitation to an incorrect email address or telephone number.

Certain documents or transactions may require a different form of signature, witnessing, notarisation, registration, or other formalities. Users are responsible for determining whether the SigSwift signing method is suitable for their intended use.

Document Integrity, Audit Records and Verification

SigSwift may create hashes, audit records, certificates, and cryptographic integrity information associated with a generated or signed document. These features are intended to provide evidence of the document and signing process recorded by SigSwift.

Verification features confirm only the matters expressly stated on the relevant verification page or audit certificate. They do not constitute a legal opinion on enforceability, capacity, authority, the truth of information supplied by the parties, or regulatory compliance of the underlying transaction.

Document Storage

Nature of Storage

SigSwift is primarily a contract template and electronic signature platform. Document storage is provided as a convenience feature and does not constitute a regulated compliance archive, legal records vault, or long-term document management service. Users should not rely solely on SigSwift for the preservation of legally significant records.

Retention Period

SigSwift reserves the right, but not the obligation, to retain signed contracts for a maximum period of seven (7) years from the date of execution. SigSwift may delete documents that exceed this period, or documents associated with terminated or inactive accounts, without further notice. It is the User’s responsibility to ensure they have exported all necessary data prior to the expiry of this period or the closing of their account.

User Responsibility

Users are solely responsible for maintaining their own copies of executed contracts. SigSwift accepts no liability for any loss arising from the deletion, unavailability, or corruption of stored documents. Users are strongly encouraged to download and retain their own copies of all signed contracts.

No Warranty of Availability

SigSwift does not warrant that stored documents will be available at all times or for any particular period beyond the retention period set out above.

Data Protection and GDPR

Roles

Data-protection roles depend on the particular processing activity. In general, the account holder is responsible for having a lawful basis to provide personal data about contracting parties and other individuals to SigSwift. SigSwift may act as a processor for some contract-related processing and as an independent controller for other processing, such as account administration, security, fraud prevention, legal compliance, and service operation, as further described in the Privacy Policy and any applicable data-processing terms.

Account Holder Obligations

As data controller, the account holder is responsible for:

• Ensuring they have a lawful basis for processing the personal data of signing parties
• Responding to Data Subject Access Requests (DSARs) received from signing parties
• Honouring rights of erasure, rectification, and portability in respect of personal data they control
• Ensuring their use of SigSwift complies with applicable data protection law

SigSwift's Processing

SigSwift processes personal data in accordance with GDPR and the Data Protection Acts 1988–2018 solely for the purpose of operating the platform. Please refer to our Privacy Policy for full details of how SigSwift processes personal data in its capacity as a data controller in its own right (for example, account data and platform usage data).

Prohibited Use Cases

SigSwift must not be used for:

• Unlawful agreements or activities
• Wills or testamentary documents
• Property transfers requiring formal registration procedures
• Family law matters requiring court approval
• Regulated financial securities documentation
• Any document category prohibited by applicable law

Template Accuracy and Legal Updates

SigSwift aims to maintain templates appropriate to their stated purpose and may obtain input from qualified legal professionals. Laws, official guidance, and market practice can change, and there may be a period between a legal development and a corresponding template update. SigSwift does not warrant that a template addresses every issue relevant to a User's circumstances or remains suitable after the date on which it was generated. If a transaction is unusual or a recent legal development may affect it, independent legal advice should be obtained.

Platform Availability

SigSwift aims to maintain reliable access but does not guarantee uninterrupted or error-free availability. The platform may be unavailable or degraded because of maintenance, security work, capacity constraints, software defects, internet or telecommunications failures, cloud-service failures, payment-provider failures, force majeure, or other events. Any mandatory rights relating to a paid service remain unaffected.

Limitation of Liability

Rights That Are Not Limited

Nothing in these Terms excludes or restricts liability where exclusion or restriction is prohibited by law. In particular, nothing excludes or limits liability for death or personal injury caused by an act or omission for which such liability cannot lawfully be limited, fraud or fraudulent misrepresentation, or any liability, right, or remedy that cannot lawfully be excluded or restricted under the Consumer Rights Act 2022 or other mandatory law.

Consumer Users

If you are a Consumer, the limitations in this section apply only to the fullest extent permitted by law and do not reduce any mandatory right or remedy. SigSwift remains responsible for losses for which applicable law provides that liability cannot be excluded or restricted.

Contract-Specific Liability Cap

Subject to the paragraphs above, SigSwift's total aggregate liability arising out of or in connection with a particular contract-generation transaction, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the standard selling price charged by SigSwift for that specific contract at the time the transaction was initiated, before applying any voucher, promotional discount, or account credit.

Where a claim does not arise from a specific contract-generation transaction, SigSwift's total aggregate liability in respect of that claim shall, to the fullest extent permitted by law, not exceed the amount paid to SigSwift for the specific service or purchase giving rise to the claim.

Excluded Losses

Subject to mandatory law, SigSwift shall not be liable for indirect or consequential losses, or for loss of profit, revenue, business, opportunity, anticipated savings, goodwill, or reputation. For Consumers, this exclusion does not apply to a loss that applicable consumer law requires SigSwift to compensate.

Matters Outside SigSwift's Responsibility

Subject to mandatory law, SigSwift is not responsible for loss caused by:

• Incorrect, incomplete, or misleading information supplied by a User or contracting party
• A User choosing a template, option, or signing method that is unsuitable for the transaction
• A contracting party refusing, failing, or lacking authority or capacity to sign or perform a contract
• A dispute between the parties to a contract, including non-payment or non-performance by a contracting party
• The underlying contract being unlawful, invalid, or unenforceable for reasons not caused by SigSwift's failure to supply the SigSwift service in accordance with applicable law
• A User failing to review the generated document before locking, paying, sharing, or signing
• A User or signer disclosing credentials, links, or access information to an unauthorised person
• Third-party or communications failures outside SigSwift's reasonable control
• A change in law, official interpretation, or factual circumstances occurring after the relevant document was generated

Mitigation

A party claiming loss must take reasonable steps to avoid or reduce loss where the law imposes such a duty. Nothing in this clause changes the legal burden of proof that would otherwise apply.

Additional Terms for Business Users

This section applies only to Business Users and does not apply to Consumers.

To the fullest extent permitted by law, a Business User shall indemnify SigSwift against third-party claims, losses, liabilities, penalties, and reasonable costs arising directly from that Business User's unlawful use of the platform, infringement of third-party rights, lack of authority to provide content or personal data, or deliberate misuse of signing or verification functionality. This indemnity does not apply to the extent that the relevant loss was caused by SigSwift's own breach, negligence, or unlawful act.

Except where expressly incorporated into these Terms, a Business User confirms that it has not relied on any statement or representation as a contractual guarantee that a template will achieve a particular legal, commercial, tax, or regulatory outcome.

Intellectual Property

All platform content including templates, branding, design, code, and copy remains the intellectual property of SigSwift or its licensors. Users retain ownership of content and information they enter into the platform. By using SigSwift, users grant SigSwift a limited licence to host, process, store, and transmit content solely for operation of the platform.

Acceptable Use

You agree not to:

• Create contracts for unlawful purposes
• Impersonate another person or entity
• Attempt to reverse-engineer, scrape, or disrupt the platform
• Introduce malicious code or attempt unauthorised access
• Resell or sublicense access without written permission

Suspension and Termination

SigSwift reserves the right to suspend or terminate access where these Terms are breached, fraud or unlawful activity is suspected, security risks arise, or where required by law or regulatory obligation. Termination does not affect accrued legal rights or obligations.

Communications and Delivery

SigSwift may use email, SMS, and other communications to send invitations, receipts, security messages, verification links, and completion notices. Delivery can depend on third-party providers, recipient devices, spam filters, telecommunications networks, and information supplied by the User.

A provider's acceptance of a message for delivery does not guarantee that the message has reached the intended recipient. Users remain responsible for supplying accurate contact details and, where a communication is important, taking reasonable steps to confirm receipt.

Third-Party Services

SigSwift uses third-party providers for functions including payment processing, cloud infrastructure, communications, and analytics. Those providers may have their own terms and privacy practices.

Subject to mandatory law, SigSwift is not responsible for an independent third party's acts or omissions where those matters are outside SigSwift's reasonable control. This does not exclude any responsibility that applicable law places on SigSwift for the proper supply of the SigSwift service.

Force Majeure

SigSwift shall not be liable for delays or failures caused by events outside its reasonable control, including cyberattacks, internet outages, infrastructure failures, governmental actions, or failures of third-party providers.

Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, any checkout disclosures, and any additional terms expressly incorporated into a particular purchase, constitute the agreement governing use of the platform. Nothing in this clause excludes liability for fraud or limits mandatory Consumer rights.

Changes to These Terms

SigSwift may update these Terms from time to time. The current version and effective date will be published on this page. Where a change is material and affects registered Users on an ongoing basis, SigSwift will take reasonable steps to provide notice where required by law.

Unless applicable law requires otherwise, the terms recorded as applying to a completed purchase continue to govern that transaction. A later amendment to these Terms will not retrospectively rewrite the recorded terms of a completed transaction.

Governing Law and Jurisdiction

These Terms are governed by the laws of Ireland.

For Business Users, the Irish courts shall have exclusive jurisdiction over disputes arising from these Terms or use of SigSwift, unless SigSwift agrees otherwise in writing.

If you are a Consumer, this clause does not deprive you of any mandatory protection or right to bring proceedings in a court that is available to you under applicable consumer or private-international-law rules.

General

No Waiver

A delay or failure by SigSwift to enforce a right does not waive that right. A waiver is effective only in relation to the particular matter for which it is given.

Assignment

A User may not transfer rights or obligations under these Terms where doing so would materially affect SigSwift without SigSwift's prior written consent. SigSwift may transfer its rights or obligations as part of a genuine business reorganisation, financing, merger, or transfer of the service, provided that any mandatory Consumer rights are not reduced.

Contact

If you have questions about these Terms, please contact: hello@sigswift.com