Legal

Terms of Service.

These terms are strict, non-negotiable, and enforced. By opening a ticket, sending funds, or interacting with the Ninja Swap service in any capacity, you agree to everything below. If you disagree with any clause, do not use the service.

Last updated: 2026-06-01

Chargeback rule. Zero tolerance.

If you initiate, encourage, or facilitate a chargeback, dispute, or reversal against any exchanger on any payment method (PayPal, Cash App, Zelle, Venmo, bank wire, card, or any other), you are permanently banned from the service. This applies to all current and future trades, on this and any successor Ninja Swap service.

There is no warning, no first-strike, no appeal. The ban is final. Your Discord ID is added to a public blacklist that is shared with allied exchange services so you cannot trade elsewhere either.

If you cannot accept this, do not open a ticket.

01 Eligibility

  • You must be old enough to enter into a contract in your jurisdiction.
  • You must not be located in a jurisdiction that prohibits P2P fiat/crypto exchange or the use of the underlying payment methods.
  • You must not be a sanctioned person or entity under any applicable list (OFAC, EU, UK, UN).
  • You must not be using a stolen identity, stolen payment instrument, or funds that originate from criminal activity. If we have reasonable grounds to suspect any of these, your trade is voided, funds are held, and the matter is logged.

02 What Ninja Swap is (and is not)

  • Ninja Swap is a coordination platform that connects clients with verified independent exchangers. We are not a counterparty to your trade.
  • We do not custody fiat. We do not custody your crypto outside of bot-generated payout wallets, which are time-limited and 2FA-gated.
  • We do not provide investment advice, tax advice, or legal advice. Any output of fee calculators or rate quotes is informational only.
  • The relationship between you and your exchanger is direct. Disputes are mediated by Ninja Swap staff using ticket transcripts and audit logs as the source of truth. There is no court, no arbitrator, no third-party escrow.

03 Conduct in tickets

  • All trade-related communication must happen inside the ticket channel. If it didn't happen in the ticket, it didn't happen. We will not honor screenshots, DMs, or off-platform claims.
  • Real exchangers never DM you first. If someone DMs you claiming to be an exchanger, they are an impersonator. Report and block.
  • Do not move conversation off-platform under any circumstance. Off-platform settlement attempts are an immediate ban for both parties.
  • Do not transmit child sexual abuse material, terror content, weapons financing, or any other illegal content. Such content is reported to law enforcement and your ticket is closed.

04 Payments and chargebacks

  • You must use payment methods you legally control. You may not pay using funds you do not own, including a partner's account, a family member's account, or a borrowed account.
  • You must disclose the source of funds when an exchanger asks. Lying about the source of funds is grounds for permanent ban and forfeiture of locked funds.
  • Chargebacks, payment reversals, and disputes are absolutely prohibited. See the red box above. This rule has no exceptions, no warnings, and no appeal.
  • If your bank or payment provider initiates a reversal without your consent, you must notify Ninja Swap immediately and cooperate fully in returning the funds to the exchanger. Failure to cooperate is treated as an intentional chargeback.
  • If a chargeback occurs after a crypto payout has been sent, the cost is recovered from your locked balance, your future activity, or by referral to the relevant authorities for theft.

05 Privacy and transparency

  • Your Discord ID, username, avatar, trade amounts, and methods are public information on the landing site, leaderboard, and history page. Transparency is the trust signal here. By opening a ticket, you consent to this disclosure.
  • Your wallet address, payment-method details (PayPal email, Cash App tag, bank info, card number), and ticket-channel contents remain private. These are never published, sold, or shared with third parties absent a lawful order.
  • If you do not consent to your participation being publicly visible, do not open a ticket.

06 Fees

  • Fees are deducted from the trade itself. You do not pay them separately.
  • The fee schedule on the landing page is the live source of truth. PayPal Card is 20% because the chargeback risk on that method is real and the exchanger absorbs it.
  • If our cost structure changes (network fees, payment-processor changes, regulatory changes), fees may be updated. The update applies to new tickets only. Open tickets quote at the original rate.

07 Refunds and disputes

  • All trades are final once the exchanger has broadcast the crypto payout or transmitted the fiat. There are no refunds after delivery.
  • If you have not received what was promised, press the Not Received / Dispute button in the ticket immediately. A staff member will review the transcript, audit log, and on-chain evidence.
  • Disputes are resolved using the ticket transcript and audit log as the source of truth. Off-ticket claims are not considered.
  • Frivolous disputes (raised in bad faith after delivery to delay payment to the exchanger, or to extort a discount) result in a permanent ban.

08 Bans, blacklist, and forfeiture

  • We may ban any user, at any time, for any reason consistent with these terms. Bans are recorded by Discord ID and are propagated to allied services.
  • Banned users forfeit any locked balance held for open tickets. Forfeited funds cover the exchanger's losses first, and the remainder is retained by the service to offset moderation costs.
  • Ban evasion (alt accounts, new Discord IDs used to access the service after a ban) is itself a banning offense and may be referred to law enforcement as unauthorized access.

09 Disclaimers and liability

  • The service is provided "as is". We make no warranty that it will be available at any particular time, complete any particular trade, or be free of bugs.
  • To the maximum extent permitted by law, Ninja Swap's liability to you for any claim arising from your use of the service is capped at the fees we collected on that trade.
  • We are not liable for losses arising from your own mistakes: wrong wallet address, sending to a self-custody wallet you do not control, sending the wrong method, or sharing your account credentials.
  • We are not liable for losses arising from third parties: your bank, your payment processor, your wallet provider, or Discord itself.

10 Changes to these terms

  • We may update these terms at any time. The "Last updated" date at the top of this page reflects the current version.
  • Continued use of the service after an update constitutes acceptance of the updated terms.
  • Material changes that affect existing tickets will be announced in the Discord server. If you have an open ticket at the time of a material change, the original terms apply to that ticket through completion.

11 Contact

  • All formal communication runs through the Discord server: discord.gg/ninjaswaps.
  • Announcements and channel updates also post to our Telegram: t.me/dirtysewer.
  • Real staff never DM you first about an open ticket. Verify any DM by asking publicly in the Discord.