Terms and Conditions

Effective date: 4 October 2026

These Terms and Conditions (“Terms”) govern the use of the Swipe platform by craftsmen and service providers on the one hand and by clients on the other hand. Swipe is a digital intermediary platform through which clients can publish service requests and providers can submit matching offers.

Where these Terms refer to “Swipe”, “we”, “us” or “our”, this means the platform operator identified in the imprint or legal notice of the active Swipe domain, unless a different invoicing entity or payment provider is expressly identified in a specific payment or billing flow.

Swipe is not itself a party to the service contracts concluded between clients and providers unless expressly stated otherwise in a specific case. As a rule, Swipe therefore does not owe the service promised by the provider and does not owe the remuneration owed by the client under the underlying service contract.

Depending on the active market, domain or country context, features, verification requirements, currencies, taxes, fees, payment and billing processes, contact details or available content may differ. The information shown in the relevant market and in the relevant usage context shall prevail.

A. Terms for Craftsmen and Service Providers

1. Scope and platform use

These provisions apply to users who use Swipe in the course of their commercial or self-employed professional activity in order to offer services, receive request opportunities or initiate and handle jobs through the platform.

By registering, you enter into a user agreement with Swipe for the use of the provider functions of the platform. The user agreement is personal or business-related and may not be transferred to third parties without our consent.

Swipe may make access to specific functions, markets or product areas subject to the successful completion of registration, verification, approval or billing processes.

By registering, or by accepting these Terms before your next offer, you confirm that you act as a business (in the course of your commercial or self-employed professional activity) and not as a consumer. Swipe tells clients that every provider has made this declaration.

2. Registration, provider details and verification

You must provide accurate, complete and up-to-date information during registration and throughout the term of use, including your identity, your business, your contact details, your address, your services, your market affiliation and, where necessary, your tax or billing data.

Swipe may request proof relating to identity, business registration, professional authorization, company status, tax data, payout data or other regulatory information. This may include identity checks, document uploads, manual admin review as well as requests for additional documents or resubmissions.

Swipe may restrict provider accounts in whole or in part, decline activation, request revisions or reject accounts in the event of material inconsistencies until such checks have been completed successfully.

Multiple accounts, sham profiles, misleading information or the use of third-party or inaccurate company data are prohibited.

3. Credentials and account security

You must keep your login credentials confidential and protect them against unauthorized use. Passing them on to unauthorized third parties is prohibited.

If you have indications that your account or credentials have been compromised, you must inform Swipe without undue delay. Swipe may temporarily suspend access or take protective measures where security concerns exist.

4. Market restrictions, visibility and availability

Swipe may sort, filter or limit offers, requests, profiles and other content depending on the active market, the domain used, the category, the service area, the language, relevance, verification, profile completeness and other objective quality or safety criteria.

Where Swipe ranks or highlights content, this is generally based on objective platform criteria. Paid preferential placement is not currently offered unless expressly labeled as such.

Swipe does not owe any particular number of requests, reach, placement or economic success.

Swipe aims to provide the platform with as little interruption as possible. However, temporary restrictions, maintenance windows, technical failures, security measures or market-specific limitations may occur.

5. Provider profile, profile picture, portfolio and content

You may present your business on Swipe using the functions provided by the platform, including company information, service descriptions, categories, service areas, a profile picture, portfolio files, reference images and other content.

If you upload content for your public provider profile, in particular a profile picture or portfolio files, such content may be displayed in the public provider profile or in other intended views of the platform and may be technically accessible to the public.

You retain ownership of your content. However, you grant Swipe a non-exclusive, worldwide right, limited to the duration of use, to store, reproduce, technically process, transmit, display on the platform and, where required by the platform function, make such content publicly available.

You may only upload content for which you hold the necessary rights and whose use does not infringe third-party rights, applicable law or regulatory requirements.

6. Offers, pricing and contract conclusion with clients

Requests published by clients are generally invitations for providers to submit offers. By submitting an offer, you declare your willingness to perform the described job on the terms stated by you.

You must state your offered price fully and accurately. Where legally required, taxes, surcharges, ancillary costs, prerequisites or limitations must be transparent in the offer or its explanation.

Swipe may impose market-specific minimum or maximum amounts as well as technical or regulatory price limits and may reject offers outside those limits.

Your offer is a non-binding proposal. When a client chooses your offer, no contract is concluded: once you have paid the platform fee (section 7), Swipe releases the contact details, and you agree on the job with the client directly. A service contract is concluded only between you and the client, outside the choice on the platform. Swipe is not a party to it.

Until a client chooses an offer, offers may only be withdrawn, deleted or replaced within the functions provided on the platform. If a client chooses an offer, other open offers for the same request may automatically be marked as rejected.

You are solely responsible for ensuring that the services you offer and perform are lawful and that you possess all required permits, insurance, registrations, authorizations and qualifications.

Clients see offers in the order in which they arrived. Swipe does not rank offers and offers no paid placement.

If the client is a consumer, the statutory rules for consumer contracts apply to your contract with the client, in particular the information duties under Art. 246a EGBGB and, where it applies, the right of withdrawal (§ 312g BGB). You give the client this information yourself before the client makes a binding declaration, including your name, address, telephone number and email address and the withdrawal notice. The official model withdrawal notice is Annex 1 to Art. 246a § 1(2) sentence 2 EGBGB.

7. Platform fees, payments, invoices and refunds

Swipe may charge market- and product-specific platform fees, success fees, commissions or other usage-based charges to providers. Whether, when and in what amount such a charge arises depends on the product logic, pricing, payment flow or billing overview shown in the active market.

The platform fee is the price for a client’s contact details. It becomes due when you unlock the contact details of a client who chose your offer; the amount is shown before you pay.

The currency, taxes, fee rates, pricing tiers and billing parameters shown in the active market shall prevail. Information shown in one market or on one domain does not automatically apply to other markets or domains.

Swipe may use external payment providers. To the extent required for payment processing, payouts, invoicing, credit notes, tax documentation or compliance checks, you must provide complete and accurate billing and payout details. Without such data, Swipe may refuse or delay payments, invoices, credit notes, activations or payouts.

Invoices, credit notes and comparable documents may be provided or transmitted electronically. You are required to review such documents in a timely manner and raise any objections without undue delay.

You may not circumvent platform fees by using Swipe to initiate a business relationship and then intentionally completing the engagement outside the intended Swipe functions or encouraging clients to do so. In particular, you may not share or ask for contact details or other ways of reaching each other in offers, profiles, reviews or other content before the contact details are unlocked.

Refunds, partial refunds, cancellations or corrections depend on the specific case, the active market, the payment services used, any published refund rules and mandatory legal requirements. Refunds are not limited exclusively to account credit unless expressly stated in the specific case.

In the event of payment default, Swipe may restrict access to payment-related or additional functions until open claims are clarified or settled, to the extent proportionate.

8. Communication, contact release and lawful use

Swipe may link messaging functions, chat functions, contact sharing and similar interactions to certain workflow stages, such as the client’s choice of an offer, payment status or project status. There is no entitlement to earlier release.

You may use personal data or contact details of clients solely for communication and execution of the specific project and for any legally permitted follow-up. Use for unsolicited advertising, address trading or other unrelated purposes is prohibited.

Using Swipe to initiate or carry out unlawful activities, in particular undeclared work, sham services, fraudulent offers, improper circumvention arrangements or other legal violations, is prohibited.

Swipe offers functions that use an AI language model, in particular “Suggest price & note” (a suggestion for your offer based on the client’s request), the translation of chat messages and summaries of reviews. These functions are part of the services under the user agreement. Suggestions can be wrong or incomplete, so check them before you use them; you are responsible for the offers and messages you send. When another user asks for a translation, the chat messages you send are processed for this purpose. Details are in the Privacy Policy.

9. Communication standards, moderation and sanctions

Only lawful, factual and respectful content may be published or communicated on Swipe. Prohibited content includes, in particular, insulting, discriminatory, misleading, false, rights-infringing, threatening, pornographic, violent, spam-like or technically harmful content as well as prohibited scripts, links or circumvention attempts.

Swipe may review, remove or hide content, process reports, temporarily restrict access or functions and suspend or terminate accounts in whole or in part where this is necessary to enforce these Terms, for security reasons, to protect other users or to comply with legal obligations.

Where legally or factually possible, Swipe will inform affected users of significant moderation or suspension measures. In urgent cases or where required by law, a measure may also be taken without prior notice.

If you have questions about measures taken against your account or content, you may contact the support channel specified on the platform.

Before saving, Swipe checks requests, offers, profile texts and reviews for contact details and the author’s name and refuses texts that contain them, stating why. Swipe also checks these texts and the photos of requests and provider profiles automatically with the help of an AI model for possible violations of these Terms. The check only produces a note for our team; a member of our team reviews it and decides whether to restrict content. Swipe informs affected users of every restriction with a statement of reasons, including whether the content was detected by automated means, and of the ways to contest it.

You can contest a moderation decision by replying to the statement of reasons or by writing to the support address in the imprint. We review the decision again and reply, as a rule, within 14 days. Your right to go to court remains unaffected.

10. Reviews

After project completion or completion confirmation, Swipe may provide review, rating or feedback functions. Reviews must be factual, truthful and related to the project in question.

Swipe may moderate, hide or remove reviews where there are concrete indications of breaches of these Terms, third-party rights or applicable law.

11. Data protection

The processing of personal data is additionally governed by Swipe’s current Privacy Policy.

12. Liability

Swipe has unlimited liability for intent and gross negligence, for injury to life, body or health and in all cases of mandatory statutory liability.

In the event of a slightly negligent breach of essential contractual obligations, Swipe’s liability is limited to the foreseeable damage typical for this type of agreement. Essential contractual obligations are obligations whose fulfillment is necessary for the proper performance of the user agreement and on whose compliance you may regularly rely.

Otherwise, Swipe’s liability is excluded to the extent permitted by law.

In particular, Swipe is not liable for the legality, accuracy, completeness or quality of user information, offers, references, reviews or project outcomes, nor for the solvency, performance or contractual reliability of clients or providers. Any identity or document check does not constitute a guarantee regarding the quality or legality of a service.

13. Term, termination and amendments

The user agreement runs for an indefinite period. You may terminate your user agreement at any time with effect for the future, provided that no open legal, tax or billing obligations prevent this.

Swipe may terminate, suspend or restrict the user agreement or individual functions in whole or in part for good cause, in particular in the event of breaches of these Terms, security risks, legal violations, failure to cooperate in verification procedures or unresolved payment disputes.

Any payment claims, billing claims, documentation duties, retention duties and continuing effects of these Terms that have already arisen shall remain unaffected by termination.

Swipe may amend these Terms with effect for the future where there is an objective reason to do so, in particular in the event of changes in law, markets, security requirements, functions or billing models. We notify you of every change by email at least 15 days before it takes effect; you may terminate the user agreement before then.

14. Final provisions for providers

These Terms and the user agreement between Swipe and providers are governed by German law, excluding the UN Convention on Contracts for the International Sale of Goods, unless mandatory legal provisions provide otherwise.

If the provider is a merchant, a public-law entity or a special fund under public law, Frankfurt am Main shall be the exclusive place of jurisdiction for all disputes arising out of or in connection with the user agreement, to the extent permitted by law.

B. Terms for Clients

1. Scope and registration

These provisions apply to users who use Swipe as clients to publish service requests, receive offers from providers and select providers for projects.

Certain functions require a user account. During registration and when using the platform, you must provide accurate, complete and up-to-date information about your identity, your contact details and, where necessary for the relevant process, your address or project address.

Multiple accounts, misleading identities or the use of third-party data are prohibited.

Swipe may restrict or vary functions and content depending on the active market, domain or project context.

2. Credentials and account security

You must keep your login credentials confidential and protect them against unauthorized use. If you have indications that your account is being misused, you must inform Swipe without undue delay.

3. Your requests and content

You may publish requests, descriptions, images, documents and other project-related content on Swipe where the platform provides such functionality. Your information must be accurate, lawful and necessary for the requested job.

You may only upload or publish content for which you hold the necessary rights. You retain ownership of your content. However, you grant Swipe the rights required to store, technically process, transmit, display to matching providers, moderate and otherwise process such content for the operation of the platform.

Your request content may in particular be shown to matching providers, support and moderation teams and, where technically provided, to other authorized recipients within the platform. Please do not publish sensitive or unnecessary personal data unless required for the request.

4. Offers, selecting a provider and service contract

Requests published on Swipe are generally invitations for providers to submit offers. Offers submitted by providers do not constitute a promise or guarantee by Swipe.

Choosing an offer is not binding and does not conclude a contract. Once the provider you chose has paid Swipe’s fee, you both see each other’s contact details and agree on the job directly. A service contract is concluded only between you and the provider.

Swipe is not itself a party to the service contract and therefore does not owe performance of the service nor payment or enforcement of the remuneration under that contract.

Once you choose an offer, other open offers may be technically closed, marked as rejected or removed from the active selection process.

Unless expressly stated otherwise, the use of the platform as a client is free of charge. Any payments for the actual service are agreed directly with the selected provider.

Offers appear in the order in which they arrived. Swipe does not rank offers and offers no paid placement.

Every provider declares to Swipe, when registering or before their next offer, that they act as a business (in the course of their commercial or self-employed professional activity). The statutory provisions for consumer contracts therefore apply to your contract with the provider if you are a consumer.

The provider uses Swipe only to send offers and messages. You do not acquire any contractual claims against Swipe from a contract with the provider.

If you are a consumer, the statutory rules for consumer contracts apply to your contract with the provider, including a right of withdrawal where the law grants one. The provider informs you about it before you agree on the job.

5. Communication and platform availability

Swipe aims to provide the platform as reliably as possible. However, temporary limitations, maintenance, security measures, third-party outages or market-specific restrictions may occur.

Swipe may connect communication channels, chat functions or contact sharing to specific process stages. There is no entitlement to a specific communication channel or immediate visibility of contact details.

Swipe offers functions that use an AI language model, in particular “Auto-fill” (suggestions for your request based on your description), the translation of chat messages and summaries of reviews. These functions are part of the services under the user agreement. Suggestions can be wrong or incomplete, so check them before you publish a request. When a provider uses “Suggest price & note” for your request or asks for a translation, the content of your request or your chat messages is processed for this purpose. Details are in the Privacy Policy.

6. Communication standards, prohibited content and sanctions

You may only use Swipe lawfully and respectfully. Prohibited conduct includes, in particular, insulting, discriminatory, misleading, false, rights-infringing, threatening, spam-like or technically harmful content as well as using the platform for unlawful or abusive purposes.

Swipe may moderate, remove or hide content, process reports, restrict functions or temporarily or permanently suspend user accounts where this is necessary to enforce these Terms, for security reasons, to protect other users or to comply with legal obligations.

Where legally or factually possible, Swipe will inform affected users about significant measures. In urgent cases or where required by law, a measure may also be taken without prior notice.

Before saving, Swipe checks requests, offers, profile texts and reviews for contact details and the author’s name and refuses texts that contain them, stating why. Swipe also checks these texts and the photos of requests and provider profiles automatically with the help of an AI model for possible violations of these Terms. The check only produces a note for our team; a member of our team reviews it and decides whether to restrict content. Swipe informs you of every restriction with a statement of reasons, including whether the content was detected by automated means, and of the ways to contest it.

You can contest a moderation decision by replying to the statement of reasons or by writing to the support address in the imprint. We review the decision again and reply, as a rule, within 14 days. Your right to go to court remains unaffected.

7. Reviews

After project completion or completion confirmation, Swipe may provide review or feedback functions. Reviews must be factual, truthful and project-related.

Swipe may moderate, hide or remove reviews where there are concrete indications of breaches of these Terms, third-party rights or applicable law.

8. Data protection

The processing of personal data is additionally governed by Swipe’s current Privacy Policy.

You may use personal data or contact details of providers solely for communication and execution of the specific project and for any legally permitted follow-up. Unrelated disclosure or unsolicited marketing is prohibited.

9. Liability

Swipe has unlimited liability for intent and gross negligence, for injury to life, body or health and in all cases of mandatory statutory liability.

In the event of a slightly negligent breach of essential contractual obligations, Swipe’s liability is limited to the foreseeable damage typical for this type of agreement.

Otherwise, Swipe’s liability is excluded to the extent permitted by law.

In particular, Swipe is not liable for the accuracy, completeness or quality of user information, offers, references, reviews, project descriptions or work results, nor for the solvency, performance or contractual reliability of providers or clients. Any identity or document check of a provider does not constitute a guarantee regarding the quality or defect-free nature of the commissioned service.

10. Term, termination and amendments

The user agreement runs for an indefinite period. You may terminate your user account and the user agreement at any time with effect for the future, provided that no open legal or billing-related reasons prevent this.

Swipe may terminate, suspend or restrict the user agreement or individual functions in whole or in part for good cause, in particular in the event of breaches of these Terms, security risks or legal violations.

Swipe may amend these Terms with effect for the future where there is an objective reason to do so. We will inform you of material changes in an appropriate manner before they take effect.

11. Final provisions for clients

These Terms and the user agreement between Swipe and clients are governed by German law, unless mandatory consumer protection provisions of the country in which the client has their habitual residence provide otherwise.

If the client is a merchant, a public-law entity or a special fund under public law, Frankfurt am Main shall be the exclusive place of jurisdiction for all disputes arising out of or in connection with the user agreement, to the extent permitted by law.

12. Right of withdrawal for consumers

If you are a consumer, you have a statutory right of withdrawal from the user agreement with Swipe. This is a translation; the German withdrawal notice (Widerrufsbelehrung) in the German version of these Terms applies.

Withdrawal notice

Right of withdrawal

You have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period is fourteen days from the day the contract is concluded.

To exercise your right of withdrawal, you must inform us (Swipe UG (haftungsbeschränkt), Karl-Scheele-Straße 2, 60320 Frankfurt am Main, Germany, phone: +49 176 24020421, email: info@swipe-service.de) of your decision to withdraw from this contract by means of a clear statement (for example, a letter sent by post or an email). You may use the attached model withdrawal form, but this is not mandatory. You can also exercise your right of withdrawal online at www.swipe-service.de/de/withdrawal. If you use this online function, we will send you without delay, on a durable medium (for example by email), a confirmation of receipt with information on the content of your declaration of withdrawal and the date and time of its receipt.

To meet the withdrawal deadline, it is sufficient for you to send your notice of the exercise of the right of withdrawal before the withdrawal period expires.

Consequences of withdrawal

If you withdraw from this contract, we shall reimburse all payments received from you, including the costs of delivery (with the exception of the supplementary costs resulting from your choice of a type of delivery other than the least expensive type of standard delivery offered by us), without undue delay and in any event not later than fourteen days from the day on which we are informed about your decision to withdraw from this contract. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

If you requested to begin the performance of services during the withdrawal period, you shall pay us an amount which is in proportion to what has been provided until you have communicated to us your withdrawal from this contract, in comparison with the full coverage of the contract.

Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract.)

• To Swipe UG (haftungsbeschränkt), Karl-Scheele-Straße 2, 60320 Frankfurt am Main, Germany, email: info@swipe-service.de:
• I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service (*): user agreement for the Swipe platform
• Ordered on (*)
• Name of consumer(s)
• Address of consumer(s)
• Signature of consumer(s) (only if this form is notified on paper)
• Date

(*) Delete as appropriate.

C. Severability

If individual provisions of these Terms are or become wholly or partially invalid, the validity of the remaining provisions shall remain unaffected. The statutory provision shall replace the invalid provision. The same applies in the event of any gap in these Terms.