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Effective Date: December 2019

Version 1.1

This Website ("Website") is operated under the guidance of BlocX LLC, a Delaware Corp. These Terms and Conditions explain how we conduct our business with you and govern your use of the Website. Please read them carefully. By using the Website, you are bound by these Terms and Conditions. If you do not agree, please immediately discontinue using the Website.


Whenever we say "you" or "your," that means you as a visitor to the Website. By saying "Swift", "we", "us" or "our", we mean BlocX LLC.

1. Using the Website

While on the Website, you may be asked for certain financial and other information about you and your business. This information is used as part of the criteria for evaluating business eligibility for credit. Please note that we are not a bank, broker, investment advisor or financial planner. We have a bank partner relationship to support some of our funding services. Before making any financial decision or implementing a financial strategy for your business, you should consider seeking advice from your lawyer, accountant, tax or other relevant professional advisor.

You may not use this Website if you are under 18 years of age. By using the Website you represent and covenant to us that: (a) you are authorized to act on behalf of your business and to bind such entity; (b) all information you provide is accurate and complete; (c) you are not misrepresenting your identity or any information related to your current financial accounts; (d) you are a citizen or permanent resident of the United States or its territories; and (e) any funds that you receive from or arranged by Swift shall be used solely for the business and not for personal purposes.

You should not share your login credentials for the Website with anyone, if applicable. To the extent permitted by law, products and services described on the Website may be discontinued or changed. In our sole discretion, we may restrict your use of the Website.

You shall obey all applicable federal, state, and local laws, regulations and rules when using the Website. We reserve the right to terminate any account with respect to the Website and to prevent your use of the Website if such account is used to engage in illegal activity or in violation of these Terms of Use.

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2. Privacy

Protection of your personal information is important to us. For information about our privacy and data protection policies, please read our Privacy Policy here. The Privacy Policy is incorporated into these Terms and Conditions by reference.

3. Website Content

Although we try to provide accurate and timely information on the Website, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons, we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links or other items on the Website.

The Website's content, including but not limited to all images, icons, text, software, logos, expressions and ideas are protected by copyright, trademark and other intellectual property laws. You shall not post on or transmit to or from the Website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral, or profane material, or any other content that could give rise to any civil or criminal liability. The Website content is provided "as is" and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability and fitness for a specific purpose.

4. Accessing the Website via a Mobile Device

If you access the Website via a mobile device (such as a smartphone or tablet), in addition to all other requirements, you shall ensure that you have software on your mobile device that allows you to print and save any disclosures presented to you. If you do not have these capabilities on your mobile device, please access the Website through a device that provides such capabilities.

5. Limitation of Liability and Indemnity

We shall not be liable for any direct or indirect, special, incidental, or consequential damages, losses or expenses that may arise in connection with: (a) your use of the Website, or from your use of, or inability to use, this Website or any information provided on the Website; (b) any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure; or (c) the disclosure of information when replying to you by email or other electronic means or receiving emails from you. This limitation shall apply even if we have been advised of the possibility of such damages, losses, or expenses.

You shall indemnify, defend and hold us harmless from and against all claims, losses, expenses, demands, or liabilities, including reasonable attorneys' fees and costs, incurred by us about any claim by a third party (including any intellectual property claim) arising out of your use of the Website in violation of these Terms and Conditions or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

6. Contacting You: Mobile Phone and Text Messages

You authorize us and our affiliates, agents, assigns and service providers (collectively, the "Messaging Parties") to contact you at any mobile phone number you provide to the Messaging Parties using autodialed or prerecorded calls or text messages in order to service your account, investigate or prevent fraud, or collect a balance due. You acknowledge that we will not contact you for marketing purposes using autodialed or prerecorded calls or texts unless we receive your prior express written consent. You understand we may share your mobile phone number with service providers with whom we contract to assist with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You understand that you do not have to agree to receive autodialed or prerecorded calls or texts to your mobile phone number as a condition of entering into an Agreement. You know that you may decline or withdraw such consent. However, you understand we may still call you directly using other means if we need to speak with you. To stop text messages from a Messaging Party, you understand you can simply reply "STOP" to any text message from that Messaging Party. You understand that anyone with access to your mobile telephone account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call or text message, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties; however, the Messaging Parties are not required to monitor and/or record such calls.

7. Miscellaneous

These Terms and Conditions shall be governed by the laws of the United States and the State of Delaware without giving effect to otherwise applicable principles of conflict of laws. If any portion of these Terms and Conditions changes due to applicable law or is declared invalid by order of a court, the remaining portions shall not be affected, and these Terms and Conditions will be interpreted as to best effectuate their intent. No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right we may possess.

You acknowledge that we may from time to time amend all or any part of these Terms and Conditions and/or change the features or functionality of the Website. We will post notification of such changes to the Terms and Conditions on the Website by updating our "Effective Date" or the "Version Number". Your use of the Website after the effective date of any such changes shall constitute your agreement to be bound by the terms of such changes. We encourage you to review these Terms and Conditions periodically for any changes.


BlocX, LLC

311 West 43d Street New York NY 10036

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