Terms & Conditions
Last updated: 29 August 2026
1. Introduction
These Terms and Conditions (“T&Cs”) govern your use of our website and services and every order you place with SwipeMetal (“SwipeMetal”, “we”, “us”, “our”). By placing an order, requesting a quote, or using our design tools, you agree to be bound by these T&Cs. If you do not agree, please do not use our services.
Nothing in these T&Cs affects your statutory rights as a consumer under UK law, including the Consumer Rights Act 2015. Where any term conflicts with a right you have by law that cannot be excluded, the law prevails.
2. Our Products and Services
We offer the following (together, the “Services”):
- Custom metal cards — metal cards manufactured by us to your design, created either in our online card customiser (engraved or printed, front and/or back) or from artwork you supply.
- Pre-designed cards — cards from our existing range, personalised with details such as your name.
- NFC products — NFC-enabled metal cards and products, including quantity/bulk orders.
- Bank card customisation — customisation of an existing bank card that you send to us (see section 8, which applies in addition to the rest of these T&Cs).
- Design help — professional design assistance based on files and instructions you provide.
- Bespoke, bulk and business orders — quoted orders, including precious metal (e.g. solid gold) products arranged by consultation.
All of our products are made to order and personalised to you. This means every order is a personalised order from the moment you place it — see section 5.
3. Ordering and the Design Proofing Process
3.1 Your order
When you place an order (through our website, a payment link, or a quote we have issued), a contract is formed between you and SwipeMetal for the personalised goods described in that order. We may decline or cancel an order at our discretion — for example where a design appears to infringe someone else’s rights (section 4), where a pricing or listing error has occurred, or where we cannot fulfil the order — in which case we will refund any amount you have paid for that order.
3.2 Design proofs
For orders that go through our proofing process, we will prepare one or more design proofs and make them available to you, normally through our online proof approval portal. Access to the portal is via a unique secure link sent to the contact details on your order. You are responsible for keeping that link confidential; any approval submitted through your link is treated as made by you or with your authority.
3.3 Checking your proof
It is your responsibility to check every detail of the proof before approving it, including (without limitation): spelling, names, numbers, layout, positioning, orientation, image quality and resolution, and the design as a whole. Please also note:
- Proofs are digital representations. The final product may differ slightly from the on-screen proof in colour, contrast, texture and finish — metal engraving and printing on metal are physical processes and screens display colour differently. Reasonable variation between the proof and the finished product is not a defect.
- If artwork you supplied is low resolution or otherwise unsuitable, we may flag this, but the decision to approve it is yours.
3.4 Approval is final
Once you approve a proof, the design is locked and the order goes to production. Approval is final. After approval:
- No further changes can be made to the design.
- You accept full responsibility for any errors present in the approved proof (including spelling mistakes, wrong details, layout issues and image quality), and we are not liable for such errors or required to remake or refund the product because of them.
- We remain responsible for manufacturing the product to a proper standard and in accordance with the approved proof. If the finished product materially deviates from the proof you approved, or has a manufacturing defect, section 10 applies.
3.5 If you do not respond
Production and delivery timescales run from proof approval, not from the order date. If you do not respond to a proof, your order will be paused while we await your response, and we may contact you using the details on your order. Delays caused by late approval are not our responsibility.
4. Your Designs, Uploads and Our Design Tools
4.1 Your responsibility for content
Where you upload, submit or instruct us to use any content (logos, images, artwork, text, brand marks or otherwise), you confirm that:
- you own the content or have all rights and permissions needed to use it and to authorise us to reproduce it on your product; and
- the content does not infringe any third party’s intellectual property or other rights, and is not unlawful, deceptive or intended to facilitate fraud (for example, imitating another organisation’s card or credentials without authority).
You agree to compensate us in full for any losses, claims and costs we incur because content you supplied infringed someone else’s rights or broke the law. We may refuse, pause or cancel any order containing content we reasonably believe is infringing or unlawful.
4.2 Licence to us
You retain ownership of your content. You grant us a non-exclusive licence to store, process, adapt (e.g. converting colours for engraving) and reproduce your content as needed to prepare proofs and manufacture, deliver and support your order.
4.3 Portfolio and marketing use
We may photograph finished products and use those images in our portfolio, website and marketing. We will never show sensitive details in such images (such as card numbers or personal financial information), and we will not use images of customised bank cards in ways that expose your personal or account details. If you would prefer your product not to be used in our portfolio or marketing, tell us at or before the time of your order (or at any time by contacting us — see section 16 — and we will stop future use).
4.4 AI and image tools
Our customiser includes optional tools such as AI image generation and background removal. These are provided by third-party services, and images or prompts you submit to those tools may be processed by those providers. AI-generated images are produced automatically: you are responsible for reviewing them and for ensuring your use of them is appropriate, and we do not guarantee that any generated image is free of third-party rights. Section 4.1 applies to AI-generated content you choose to use.
5. Personalised Goods — Cancellation and Refunds
Because every product we make is personalised or made to your specification, your order is non-refundable from the point of purchase. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the 14-day cancellation (“cooling-off”) right does not apply to goods that are made to the consumer’s specification or are clearly personalised.
- We do not accept returns, exchanges or cancellations of personalised orders, except where the product is faulty or materially deviates from the approved proof (see section 10) or where the law requires otherwise.
- We may, entirely at our discretion and as a gesture of goodwill, agree to cancel or amend an order that has not yet entered design or production — but we are not obliged to.
- Nothing in this section removes your statutory rights in respect of faulty goods.
6. Refusing or Cancelling Orders
In addition to section 4.1, we may refuse or cancel an order (refunding sums paid for it) where we reasonably believe the order is fraudulent, abusive, unlawful, or impossible for us to fulfil, or where a manifest error in pricing or product description has occurred.
7. Delivery
- Timescales are estimates. Any production or delivery times we quote are genuine estimates but are not guaranteed, and time of delivery is not of the essence. We are not liable for delays caused by couriers or events outside our reasonable control.
- Risk passes on delivery. The goods are your responsibility from the time they are delivered to the address you gave us (or to a person you nominated to receive them).
- Your address. You are responsible for providing a complete and accurate delivery address. We are not responsible for items delivered to an incorrectly supplied address; re-shipping such orders may incur additional charges.
- International orders. For deliveries outside the UK, you are the importer and are responsible for any import duties, taxes, customs charges and customs-related delays. We have no control over these charges and cannot predict them.
8. Bank Card Customisation (Send-In Service)
This section applies where you send us your own bank card for customisation.
- Your card, your responsibility. You accept full responsibility for sending your bank card to us. Our customisation is carried out on the basis that you have all necessary rights, permissions and authority to submit the card, and it is your responsibility to ensure that modifying the card complies with your card issuer’s terms and conditions. We do not verify this independently and we are not liable for any breach of your agreement with your card issuer arising from the customisation.
- Freeze your card. We strongly recommend that you freeze or lock your card for the whole time it is out of your possession, to prevent unauthorised transactions in transit or during customisation.
- Inbound shipping risk. You bear the full risk of shipping your card to us. We are not responsible for damage, theft or loss in transit to us. Use a secure, trackable shipping service and consider insuring the card.
- Damage during customisation. Customising a bank card is inherently invasive and carried out at your risk. While we take all reasonable precautions, we are not liable for damage to the card, or loss of the card’s functionality (including the chip, magnetic strip, or contactless function), arising from the customisation process. In the rare event of damage, we may at our discretion redo or make good the customised portion, but we will not replace the underlying card or restore its banking functionality — replacement cards are a matter for your card issuer.
9. Prices and Payment
- Prices are in GBP (pounds sterling). We may amend our prices at any time; changes do not affect orders already placed and paid for.
- Payment is due in full at the time of order (or as set out in your quote or payment link for quoted orders). All transactions must be completed through our secure payment options as offered at checkout or on your payment page.
- For quoted, bespoke and business orders, the quote or payment link sets out the price and scope; work does not begin until payment (or any agreed deposit) is received.
- If a price is obviously wrong due to an error, we may cancel the affected order and refund you rather than supply at the erroneous price.
10. Faulty Products and Warranty
- Manufacturing defects. If your product has a manufacturing defect, or materially deviates from the proof you approved, contact us as soon as possible with photographs and your order details. Where we agree the product is defective, we will (at our choice) repair, remake or refund it, as required by law.
- 30-day workmanship warranty. In addition to (and without limiting) your statutory rights, our products are warranted to be free from defects in materials and workmanship for 30 days from delivery.
- What the warranty does not cover: normal wear and tear, misuse, accidental damage, modification by anyone other than us, cosmetic variation covered by section 3.3, and — for customised bank cards — the functional aspects of the original card (chip, magnetic strip, contactless), which remain the responsibility of your card issuer. For NFC products, the warranty covers our manufacture and the NFC component as supplied; it does not cover compatibility with every third-party device or service.
11. Marketing and Communications
- Service messages. We will contact you by email (and where appropriate by other means you have provided) about your order — for example proof notifications, payment links and delivery updates. These are not marketing messages and you will receive them for as long as your order requires.
- Marketing emails. Where you buy from us, or enquire about our products (for example by submitting an enquiry, consultation or design help form), we may send you email marketing about our similar products and services, in reliance on the “soft opt-in” under the Privacy and Electronic Communications Regulations. Every marketing email we send contains an unsubscribe link, and you can opt out at any time, at no cost, with immediate effect for future sends. You can also opt out at the point you give us your details.
- We do not sell your contact details to third parties. See our Privacy Policy for full details of how we use your data.
12. Your Data and Privacy
We collect and process personal data (such as your name, contact details, delivery address, order details, designs and payment information) as needed to provide the Services. We process personal data in accordance with the UK GDPR and the Data Protection Act 2018. For full details — including what we collect, why, how long we keep it, who we share it with (such as payment processors, couriers, email delivery services and the third-party design tool providers mentioned in section 4.4), and your rights — please see our Privacy Policy.
13. Our Intellectual Property
All intellectual property rights in our website, brand, product designs, templates, software (including the card customiser and proof approval portal) and content remain the property of SwipeMetal or our licensors. Except for the personal use of our tools to design and order your product, you may not copy, reproduce or use our content or trademarks without our written permission.
14. Limitation of Liability
- Nothing in these T&Cs excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for any other liability that cannot lawfully be excluded or limited.
- Subject to that, we are not liable for: loss of profits, revenue, business or goodwill; indirect or consequential loss; or losses arising from your card issuer’s actions (including declining, cancelling or replacing a customised card).
- Subject to the above, our total liability arising from or in connection with any order is limited to the price paid for that order (and, for bank card customisation, to the price paid for the customisation service — we are not liable for the value, replacement or functional operation of the underlying card).
- We are not liable for any failure or delay caused by events outside our reasonable control (including courier failures, supplier shortages, strikes, and utility or network outages); our obligations are suspended for the duration of such an event.
- If you are a business customer, all terms implied by statute or common law are excluded to the fullest extent permitted by law, and these T&Cs (together with your quote or order) are the entire agreement between us in respect of your order.
15. General
- Amendments. We may amend these T&Cs at any time. Changes will be posted on our website and apply to orders placed after the date of the amendment.
- Severability. If any part of these T&Cs is found to be unenforceable, the rest continues in force.
- Governing law. These T&Cs are governed by the laws of England and Wales, and disputes are subject to the exclusive jurisdiction of the courts of England and Wales (if you are a consumer resident elsewhere in the UK, you may also bring proceedings in your home nation’s courts, and you keep the benefit of any mandatory consumer protections of that nation).
16. Contact Us
