Terms of Service

Swift Tax is a software tool that helps businesses prepare, manage, and submit invoices and related tax data toward Pakistan's Federal Board of Revenue (FBR) Digital Invoicing System. Swift Tax is an independent third-party tool. It is not affiliated with, endorsed by, or operated on behalf of FBR or any government body. Any reference to FBR is solely to describe compatibility.

When you use the Service to validate or post invoices to FBR, you do so using a security token that you obtain from your own IRIS profile and that is bound to your seller NTN/CNIC. You authorize Swift Tax to store that token (in encrypted form) and to present it to FBR's Digital Invoicing gateway on your instruction. Transmission is through the gateway operated by Pakistan Revenue Automation Limited (PRAL), which FBR has designated as a licensed integrator for digital invoicing.

• Swift Tax is invoicing software. It is not a licensed integrator under the Sales Tax Rules 2006 (as amended), and it does not sell, grant, or broker access to FBR.
• You remain the person integrating with FBR through PRAL using your own IRIS-issued token. You are responsible for obtaining that token, keeping it valid, and for all submissions made with it.
• You must not share your IRIS token with anyone other than through the Service's token entry flow. You may revoke or replace the token in IRIS and in the Service at any time.
• FBR and PRAL set the technical and regulatory requirements for digital invoicing. Swift Tax does not control those requirements and does not guarantee that your use of the Service satisfies every obligation that may apply to your business.

• You must be at least 18 years old and legally able to enter into a binding contract to use the Service.
• You are solely responsible for the accuracy of the information you provide, including your NTN, CNIC, phone number, email, and business details, and for keeping it current.
• You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you.
• We may refuse, suspend, or terminate any account at our sole discretion, at any time, with or without notice or cause.

• Paid plans are billed in advance on a monthly or annual basis, as selected at checkout.
• Annual plans are billed upfront and are non-refundable, in whole or in part, regardless of usage or cancellation.
• Monthly plans renew automatically at the end of each billing cycle unless cancelled before the renewal date; no refund is issued for the current billing cycle upon cancellation.
• We may change our prices or plan features at any time. Changes take effect on your next renewal and continued use of the Service after a price change constitutes acceptance.
• You are responsible for all applicable taxes, duties, and charges associated with your subscription.

See our Refund & Cancellation Policy for further detail.

You retain ownership of the invoices, buyer records, item records, and other business data you submit to the Service ("Your Content"). You grant Swift Tax a worldwide, royalty-free license to host, process, transmit, and display Your Content solely to operate and provide the Service, including transmitting invoice data to FBR on your instruction.

You represent and warrant that Your Content is accurate, that you have the right to submit it, and that it does not violate any law or third-party right. You are solely responsible for Your Content and for the tax and legal consequences of submitting it.

You agree not to:

• Use the Service to submit false, fraudulent, or misleading invoice or tax data;
• Attempt to reverse engineer, decompile, probe, scan, or breach the security of the Service;
• Interfere with or disrupt the integrity or performance of the Service;
• Use the Service in violation of any applicable law, including Pakistani tax and revenue law;
• Resell, sublicense, or provide the Service to third parties without our written consent.

Violation of this section is grounds for immediate suspension or termination without refund.

Swift Tax is a software tool only. It is not a tax advisor, accountant, lawyer, or FBR representative, and nothing in the Service constitutes tax, legal, financial, or professional advice.

• You are solely and entirely responsible for the accuracy, completeness, and legality of all data you enter, all invoices you issue, and all returns you file — including HS codes, tax rates, buyer information, and timing of submission.
• You are solely responsible for your compliance with FBR requirements and all applicable tax law. We do not verify, audit, or guarantee compliance on your behalf.
• We do not guarantee that the Service will be free of errors, that calculations will be correct, that invoices will be accepted by FBR, or that the Service will be available at any particular time, including during FBR system outages beyond our control.
• We are not liable for any penalty, fine, surcharge, audit, rejected filing, missed deadline, or other consequence arising from your use of the Service or your tax filings.
• You should independently verify all tax-relevant output before relying on it, and consult a qualified tax professional for advice specific to your business.

The Service integrates with third parties, including FBR's systems (via PRAL's Digital Invoicing gateway) and Google (for sign-in). We do not control and are not responsible for the availability, accuracy, security, or acts or omissions of these third parties. Any downtime, rejection, delay, or error originating from a third-party system is outside our control and outside our liability.

The service is provided "as is" and "as available", without warranty of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the service will be uninterrupted, timely, secure, or error-free. We disclaim all warranties to the fullest extent permitted by applicable law.

To the fullest extent permitted by applicable law, Swift Tax and its team, contributors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, business, goodwill, or tax penalties, arising out of or relating to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

In no event will our aggregate liability arising out of or relating to these Terms or the Service exceed the total fees you paid to us in the three (3) months immediately preceding the event giving rise to the claim, or PKR 5,000 if you are on a free plan.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you; in that case our liability is limited to the greatest extent permitted by law.

You agree to defend, indemnify, and hold harmless Swift Tax and its team, contributors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with: (a) your access to or use of the Service; (b) Your Content and the accuracy of your tax filings; (c) your violation of these Terms; or (d) your violation of any applicable law or third-party right.

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for suspected violation of these Terms, non-payment, or risk to the Service or other users. Upon termination, your right to use the Service ceases immediately; sections of these Terms that by their nature should survive termination (including Sections 2, 7, 9, 10, 11, and 13) will survive.

• These Terms are governed by the laws of Pakistan, without regard to conflict-of-law principles.
• Any dispute arising out of or relating to these Terms or the Service will first be attempted to be resolved informally by contacting us. If not resolved within thirty (30) days, the dispute will be referred to and finally resolved by binding arbitration conducted in Lahore, Pakistan, in English, by a single arbitrator, under the Arbitration Act 1940 (or its successor legislation), and the arbitrator's decision will be final and binding.
• You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action against Swift Tax.
• Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction in Pakistan for infringement or misuse of intellectual property or confidential information.

We may modify these Terms at any time by posting the updated Terms with a new "Last updated" date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, your only remedy is to stop using the Service.

We are not liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, internet or power outages, FBR system failures, government action, labor disputes, or other events outside our control.

These Terms, together with our Privacy Policy, Refund & Cancellation Policy, and Cookie Policy, constitute the entire agreement between you and Swift Tax regarding the Service. If any provision is held unenforceable, the remaining provisions remain in full force. Our failure to enforce any right or provision is not a waiver of that right. You may not assign these Terms without our written consent; we may assign these Terms freely.

Questions about these Terms can be sent to [email protected].