Swapsy Terms of Use

Last updated 10 October 2026

For riders in England and Wales

Version 1.0. These terms take effect on 10 October 2026.

Swapsy is run by SteadyGen Ltd. These terms are the rules for using the Swapsy app. Please read them. If you don't agree with them, please don't create an account.

The short version

This summary helps you find your way around. The full terms below are what count.

• Swapsy introduces riders. Any swap or sale is between you and the other rider. We aren't part of it.
• You must be 18 or over, and a private rider. Motor traders and dealers can't use Swapsy. At launch, Swapsy is open in Hertfordshire and neighbouring counties.
• Only list your own bike, and describe it honestly. That includes the MOT, the V5C, any finance and any damage.
• Any cash top-up is paid in person at the handover. Swapsy doesn't take, hold or protect money. Never pay a deposit, or pay by bank transfer.
• Do your own checks. Swapsy doesn't run history, finance or MOT checks yet.
• Meet somewhere public. Check that the V5C and the rider's photo ID match. Only test ride with your own insurance, and count the cash before you swap keys.
• Swapsy is free during early access. We'll give you notice before any fee starts.

1. Who we are

Swapsy is an app made by SteadyGen Ltd, a company registered in England and Wales (company number 17441777).

• Registered office: 47 Norris Close, St. Albans, AL2 1UN
• Email: info@steadygen.co.uk
• Website: steadygen.co.uk
• Registration with the ICO: application C2055662 (registration number to follow)

"We", "us" and "Swapsy" mean SteadyGen Ltd. "You" means the person using the app.

2. What Swapsy is, and what it isn't

Swapsy helps riders find each other so they can swap bikes, with cash added where one bike is worth more than the other. You list your bike, browse other riders' bikes, send and answer offers, chat and arrange a meetup, all in the app.

Swapsy is not a party to any swap or sale. Any deal is between you and the other rider. In particular, we:

• don't own, see, inspect or test any bike;
• don't check who riders are, beyond asking them to verify their email address and confirm they're 18 or over;
• don't check ownership, finance, MOT, write-off or theft records;
• don't take, hold or pass on any money;
• don't guarantee that any rider, bike or listing is what it claims to be, or that a deal will go ahead.

What isn't in this version of the app. There are no in-app payments or payment protection, and no vehicle history checks. We plan to add in-app payment protection and an MOT history check later. When we do, we'll update these terms. Until then, nothing in the app should be read as offering any of them.

3. Who can use Swapsy

Anyone can browse bikes without an account. To list a bike, make offers or chat, you need an account, and:

• You must be 18 or over. You confirm this when you sign up. Swapsy is for adults only.
• You must be a private rider swapping your own bikes. Motor traders and dealers may not use Swapsy. If you buy, sell or swap bikes as a business, or on behalf of one, please don't create an account. We may close accounts that are used for trade.
• You may have one account. Don't create a second account, share an account, or open a new one after we've suspended you.
• You agree to these terms when you create an account. The sign-up screen links to them and to our Privacy Policy, and we keep a record of which version you accepted and when.
• Bikes must be in the launch region. At launch, Swapsy is open in Hertfordshire and neighbouring counties: Bedfordshire, Buckinghamshire, Cambridgeshire, Essex and North London. The app won't publish a listing for a bike located outside this area.

You must verify your email address and add a real profile photo before you can trade. Riders who use Sign in with Apple are verified through Apple.

4. Your account

• Give accurate details and keep them up to date.
• Keep your login safe. Don't share your password. You're responsible for what happens on your account unless someone else got in without it being your fault. If you think someone has, tell us straight away.
• Your username and profile (photo, name, bio, county, bikes, deals, rating and feedback) are public. Other riders never see your email address or your exact location. They see roughly how far away you are, for example "~7 mi away". See our Privacy Policy.
• Usernames can't pose as us. A username can't include "Swapsy" or "SteadyGen", or words such as admin, support, official, moderator or staff. Display names can't either.

5. Listing a bike

When you list a bike, you promise that:

• It's your bike. You're the owner, and you have the right to swap or sell it. If there's finance on it, you'll clear it before the swap.
• Your description is accurate and honest. It covers the make, model, year, mileage, condition, engine size or motor power, MOT, service history and V5C status. If you know about damage, faults, or an insurance write-off (and its category), say so. Don't leave things out to make the bike look better.
• "N/A" means N/A. The app asks you to fill in every field or mark it N/A. Only use N/A when a field really doesn't apply or you really don't know. Listings with N/A for the MOT, V5C or registration are flagged to other riders.
• The photos are of this bike, and they're yours. You need at least 4 photos (the whole bike, both sides and the odometer) and can add up to 12. Use photos you took yourself or have the right to use. Never use stock photos, dealer photos or other people's pictures.
• The estimated value is your own figure. The app can suggest a rough value. That suggestion is only a guide, not a professional valuation, and you decide the value you list.
• It isn't a prohibited item (see section 6).

Your full number plate is never shown to other riders. They see a masked version, such as "AB21 •••". While a bike is in a locked deal, its details are frozen. You can withdraw a listing at any time it isn't in a locked deal.

We can remove any listing that breaks these terms.

6. Prohibited items policy

This section is part of these terms, and also works as Swapsy's stand-alone Prohibited Items Policy.

What you can list: motorbikes, electric motorbikes and electric bikes that you own, located in Swapsy's launch region.

What you can't list or do on Swapsy:

1. Nothing stolen, and no parts you can't prove are yours. This includes bikes with tampered or missing frame or engine numbers, and bikes on cloned or false plates.
2. No illegal or unroadworthy vehicles sold as road legal. Non-runners and project bikes are fine if you list them as "For Parts & Repair" and describe them honestly. An electric bike that doesn't meet the UK rules for electrically assisted pedal cycles can't be ridden on the road unless it's registered, taxed and insured, so don't describe it as road legal.
3. Bikes only at launch: motorbikes and electric bikes. No other vehicles, loose parts or other items for now.
4. No bikes with outstanding finance, unless the finance is fully cleared before the swap.
5. No deals moved off Swapsy. Keep the chat in the app, and never ask for a deposit or a bank transfer.

What happens if these rules are broken: we remove the listing, and we may suspend the account. If we're told a bike is stolen, we remove the listing, flag it so it can't go live again, and may suspend the account. The flag is tied to that listing, not the plate, so it doesn't automatically stop the same plate being listed again. Where the law allows, we may share information with the police.

Seen something that breaks these rules? Tap Report on the listing, profile or deal. You don't need an account to report a bike: on any listing, tap Report this bike to email us with the listing's ID. If you think a bike is stolen, don't confront anyone. Call the police on 101, or 999 if a crime is happening now, and report it to us as well.

7. Offers, counter-offers and locked deals

• Making an offer. You offer one of your listed bikes for another rider's bike. If the values differ, you can add cash or ask for cash. A top-up can be up to £50,000.
• Counter-offers. The other rider can accept, decline or send a counter-offer. Every offer and counter-offer is saved in the deal, so you can both see exactly what was proposed.
• Accepting locks the deal. When an offer is accepted, its terms are locked: which bikes are swapped, how much cash is added, and who pays it. Locked terms can't be edited. Both bikes show as "under offer" and can't be locked into another deal.
• Changing your mind. Either of you can cancel a locked deal until one of you taps Deal complete. To change the terms, cancel and start a new offer. Please treat a locked deal as a promise. Backing out without good reason, or not turning up, can be reported.
• Quiet deals. If a locked deal has no activity (no messages, meetup or "Deal complete") for 3 days, the app may cancel it and free both bikes. A deal won't be cancelled this way until at least 48 hours after an agreed meetup time. If only one of you has tapped "Deal complete", the deal goes to Swapsy support to review instead.
• Deal complete. At the handover, each of you taps Deal complete once you have everything: the bike, the keys, the paperwork and any cash. When both of you have tapped it, the deal is finished and can't be undone in the app.

Swapsy keeps a record of the offers and locked terms, but the agreement itself is between you and the other rider.

8. Cash top-ups are paid in person

In this version of Swapsy:

• Any cash top-up is paid face to face, at the handover. Nothing is paid through the app.
• Swapsy doesn't take, hold, protect or refund money. We can't get cash back for you if something goes wrong.
• Never pay a deposit, pay in advance, or pay by bank transfer, PayPal, gift cards or crypto. Nobody on Swapsy needs a deposit. A request for one is a common scam sign, so please report it.
• Count the cash together before either of you hands over keys or taps "Deal complete".

9. Meeting up and handing over safely

You arrange the meetup in the app. To stay safe:

• Meet somewhere public and busy, in daylight. A supermarket car park or petrol station is ideal. Never meet at a home address.
• Check the V5C against photo ID. The name on the V5C logbook should match the rider's driving licence or passport. If it doesn't, don't swap.
• Check the bike. Make sure the bike, its number plate and its frame and engine numbers match the listing and the V5C.
• Test ride only with your own insurance in place. Don't let anyone ride your bike unless they're insured to.
• Count any cash before you swap keys.
• Bring someone with you if you can, and trust your instincts. If something feels wrong, walk away and report it.

If a listing offers delivery, you arrange it with the other rider. Swapsy doesn't arrange or insure delivery.

10. Your responsibilities as a buyer, seller and keeper

In a swap, each of you is both a seller and a buyer. You're responsible for your own side of the deal.

For the bike you're giving:

• Ownership: you must own it and have the right to swap it.
• Finance: you must clear any outstanding finance first. A bike on finance usually belongs to the finance company until it's paid off.
• Roadworthiness: it's an offence to sell an unroadworthy vehicle for use on the road. If the bike isn't roadworthy, say so clearly.
• DVLA: tell DVLA that you've transferred the bike to the new keeper. You can do this online on GOV.UK. Then give the new keeper the V5C/2 "new keeper" slip.

For the bike you're getting:

• Insurance: have insurance in place before you ride it away.
• Vehicle tax: tax doesn't transfer with the bike, so tax it in your name before you ride it on the road.
• MOT: check the bike has a valid MOT if it needs one.
• Your own checks: Swapsy doesn't run any checks for you. Before you meet, ask the other rider for the full number plate in the chat. Then:
  • use the free MOT history check and vehicle enquiry services on GOV.UK;
  • consider a paid vehicle history check (such as HPI) for outstanding finance, theft and write-off records.
• Inspect the bike: look it over properly, and don't tap "Deal complete" until you're happy.

Private sales come with fewer legal rights than buying from a dealer. A private seller must describe the bike accurately, but it usually doesn't have to come with any guarantee of quality. Check carefully before you commit.

11. Chat and how to behave

Deal chats are private between the two riders. Swapsy support can read a deal's chat if it's reported, if a problem is raised on it, or if the law requires it. The app automatically watches for common scam signs, such as requests for bank transfers or to move off the app, and shows a warning in the chat.

Swapsy has zero tolerance for objectionable content and abusive behaviour. We remove content that breaks these rules, and we may suspend or close the accounts involved (see section 14).

When you use Swapsy, don't:

• mislead, scam or pressure other riders;
• harass, threaten, abuse or discriminate against anyone;
• post anything illegal, sexual, hateful or violent, or anything that isn't about swapping bikes;
• share someone else's personal details;
• push other riders to move the chat or payment off Swapsy;
• spam, use bots or automated tools, or scrape data from the app;
• try to get into other people's accounts, or to break, overload or get round the app's security.

The app checks what you write for slurs and swearing. It won't accept slurs anywhere. It won't publish swearing in usernames, names, bios, listings or feedback, and in deal chats it replaces swear words with asterisks. The check is basic, so the rules above still apply to anything it misses.

12. Feedback

When a deal is complete, each rider can leave feedback for the other: 1 to 5 stars and an optional comment of up to 280 characters. Each rider can leave feedback once per deal. Feedback is public and appears on the rider's profile.

Feedback must be honest and about the real deal. Don't leave fake feedback. Don't offer, ask for or accept anything in return for feedback, and don't threaten bad feedback to get your way. Once you've posted feedback, you can't change it. We may remove feedback that breaks these terms.

13. Reporting, blocking and problems with a deal

• Report: you can report a listing, a profile or a deal. Reports go to the Swapsy team, not to the other rider, and we don't tell them who reported them. At this stage, real people at SteadyGen review every report. Don't make false reports.
• Block: you can block another rider. You'll be hidden from each other's bikes, profile and messages. They may be able to tell that they've been blocked. To unblock someone, go to Settings > Privacy & safety > Blocked riders and tap Unblock.
• Problem with a deal: tap Report a problem in the deal. The deal is paused while we take a look, and we'll post the outcome in the deal. We can review what happened and take action on listings and accounts. We can't return a bike or recover money, and we can't decide who owns a bike. For theft, fraud or violence, contact the police.

14. Suspension and removal

We may remove a listing, remove content, or suspend or close an account if:

• someone breaks these terms or the prohibited items policy;
• we reasonably suspect fraud, theft or a risk to other riders;
• we're required to by law.

What suspension means: your live bikes and bikes under offer are taken off Swapsy, and nobody can make offers on your bikes. You can't list, make offers, chat or leave feedback. You can still sign in and browse, and you can delete your account in the app at any time (see section 19), but deleting it doesn't end the suspension. If we lift the suspension, the bikes we took down go back on Swapsy, except one that was in a deal that hasn't been settled yet.

Where we can, we'll tell you which listing or account was affected and why. Removed listings show a reason. If you think we've got it wrong, email info@steadygen.co.uk from the address on your account and we'll take another look.

15. Fees

• Swapsy is free during early access. We don't charge for creating an account, listing, making offers, chatting or swapping.
• Founding members: riders who join during early access get a founding member badge on their profile.
• Future fees: if we ever introduce a fee or a paid feature, such as in-app payment protection, we'll tell you at least 30 days before it starts. You'll always see the price before you're charged anything.
• Your own costs: you pay your own costs, such as travel, history checks, insurance, tax and any delivery.

16. Your content and our rights

Your content stays yours. You own the photos, descriptions, messages and feedback you post. By posting them, you give SteadyGen Ltd a non-exclusive, royalty-free licence to store, copy, resize and display them, so that we can run Swapsy and show them to other riders. We won't use your photos or listings in Swapsy marketing or advertising outside the app without asking you first.

This licence ends when you delete the content or your account. The exceptions are copies we keep as described in section 19 and in our Privacy Policy, such as completed deal records and feedback.

You must have the right to post it. Only post content you own or have permission to use. If you believe something on Swapsy infringes your rights, email us.

Our content: the Swapsy name, logo, app design and software belong to SteadyGen Ltd. You may use the app for your own personal, non-commercial use. Don't copy, sell or reverse-engineer it, except where the law allows you to.

17. The app itself

• We'll use reasonable care and skill to run Swapsy. Because it's a new, early-access app, we can't promise it will always be available, error-free or have every feature.
• We may change the app. We may add, change or remove features. We'll tell you about changes that affect you significantly.
• Notifications. If you allow notifications, Swapsy sends deal updates to your phone, and everything also lands in the app's inbox. Notifications can be late or go missing, so open the app if you're expecting a reply.
• Distances and valuations are approximate. They're shown to help you, not as exact figures.
• Your phone: you need a compatible iPhone and an internet connection. Your mobile network may charge you for data.

18. Our responsibility to you

What we're responsible for. If we break these terms or don't use reasonable care and skill, we're responsible for loss or damage you suffer that was a foreseeable result. Loss is foreseeable if it was obvious it would happen, or if we both knew it might happen when you started using Swapsy.

What we're not responsible for. We're not part of your deals, so we're not responsible for:

• what other riders do or say;
• the condition, history, ownership or legality of any bike;
• cash handed over in person;
• anything that happens at a meetup, test ride or handover;
• a deal falling through.

This doesn't apply where the loss was caused by us breaking these terms or failing to use reasonable care and skill. We're also not responsible for delays or failures caused by events outside our reasonable control.

Personal use only. Swapsy is for personal use. We're not responsible for business losses, such as lost profit or lost business opportunities.

Limit. Swapsy is free, so where we are responsible, our total liability to you is limited to £100. This limit doesn't apply to the things listed in the next paragraph.

What we never exclude. Nothing in these terms limits or excludes our liability:

• for death or personal injury caused by our negligence;
• for fraud or fraudulent misrepresentation;
• for anything else the law doesn't allow us to limit or exclude.

Nothing in these terms affects your legal rights as a consumer. For advice about your rights, contact Citizens Advice.

19. Ending your account

You can delete your account at any time in the app's Settings, even while it's suspended (a suspended account also gets a Delete my account button when you sign in). For your security, you may be asked to sign in again first. If a handover is in progress or a problem report is open on one of your deals, finish or report that deal first. That doesn't apply to a suspended account, which can't finish or report a deal.

When you delete your account:

• your sign-in, profile, username, photos, bike alerts, saved bikes, notification settings and inbox are deleted;
• your live and draft listings are withdrawn;
• your open deals are cancelled.

If your account is suspended, your listings were already taken down, and your open deals stay as they are: the other rider can still close them, and we review any that are stuck. Your username stays reserved, and you can't set up a new account with the same email address or Apple ID: deleting a suspended account doesn't lift the suspension. Our Privacy Policy explains what we keep for this.

Some records shared with other riders are kept, usually for 6 years: your deals and their chat messages, feedback you've left and received, and your listings' details (without photos). Our Privacy Policy explains what we keep and for how long.

We can close your account as described in section 14. We may also close Swapsy altogether. If we do, we'll give you reasonable notice wherever we can.

20. Changes to these terms

We may update these terms, for example when we add in-app payments, history checks or new areas, or when the law changes.

• For changes that matter, we'll tell you in the app or by email at least 30 days before they take effect.
• Small changes, such as correcting a typo, or changes the law requires straight away, may take effect sooner.
• If you don't agree with a change, you can delete your account before it takes effect.
• The latest version is always at https://steadygen.co.uk/swapsy/terms, and there's a copy at https://swapsy-75a81.web.app/terms.

21. Getting Swapsy from the App Store

These terms are between you and SteadyGen Ltd, not Apple. Apple isn't responsible for Swapsy, its content or support, or for any claim about it. Apple's own terms also apply to how you download and use apps from the App Store. Apple and its subsidiaries can enforce these terms as they relate to your licence to use the app.

22. Complaints and the law

Complaints: if you're unhappy with Swapsy, or with a decision we've made about your content or account, email info@steadygen.co.uk. Tell us what happened, and we'll look into it and reply as soon as we can.

The law: these terms are governed by the law of England and Wales. Any dispute will be dealt with by the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts.

The rest of these terms: if a court decides that part of these terms can't be enforced, the rest still applies. If we don't enforce a term straight away, we can still enforce it later. You can't transfer your account or your rights under these terms to anyone else.

23. Contact us

SteadyGen Ltd (trading as Swapsy)
47 Norris Close, St. Albans, AL2 1UN
Company number 17441777, registered in England and Wales
Registration with the ICO: application C2055662 (registration number to follow)
Email: info@steadygen.co.uk
Website: steadygen.co.uk