Swappie Damage Policy

At Swappie, we understand that sharing your home requires trust. While damage during a stay is rare, this Damage Policy explains how Swappie facilitates resolution between Members if damage occurs during a Swappie stay.

Swappie is operated by Majerszki Nikolett E.V., a sole proprietor registered in Hungary (“Swappie,” “we,” “us,” or “our”).

This Damage Policy is part of and incorporated into the Swappie Terms of Service.

1. Overview

Swappie provides a platform that enables Members to exchange homes. Swappie is not an insurer and does not provide insurance coverage, guarantees, or automatic reimbursement for damage.

At this stage of the platform, Swappie:

• does not provide insurance coverage;
• does not guarantee reimbursement for damage;
• does not assume liability for damage caused by Members or third parties.

However, Swappie will make reasonable efforts to assist Members in resolving damage-related issues fairly, including facilitating communication, gathering information, and supporting dispute resolution where appropriate.

Hosts and Guests remain fully responsible for their own conduct, property, and insurance coverage.

2. Reporting Damage

If damage occurs during a stay, the Host must report the issue promptly through the Swappie platform.

Reports should be submitted as soon as reasonably possible, and no later than seven (7) days after the Guest’s departure, unless exceptional circumstances prevent timely reporting.

The report should include:

• A clear description of the damage;
• Photos or videos showing the damage;
• Supporting documentation where available (such as receipts, repair estimates, or proof of ownership);
• Any relevant communication with the Guest.

If the Host is unable to submit the report within the timeframe due to travel or exceptional circumstances, Swappie may allow a reasonable extension upon request.

Failure to report damage within a reasonable timeframe may limit Swappie’s ability to assist.

3. Guest Responsibilities

Guests are expected to treat the Host’s home, belongings, and property with care and respect.

If a Guest becomes aware of damage, the Guest is expected to:

• notify the Host promptly;
• notify Swappie through the platform;
• cooperate in good faith to resolve the issue.

Guests are responsible for damage caused by:

• themselves;
• their travel companions;
• pets they bring with Host approval;
• any person they invite into the Host’s home.

Guests may be responsible for reasonable repair or replacement costs, depending on the circumstances.

4. Swappie’s Role in Damage Resolution

Swappie acts as a neutral platform and facilitator.

Swappie may, at its discretion:

• review submitted evidence;
• contact Hosts, Guests, or service providers;
• request additional documentation;
• facilitate communication between Members;
• suggest reasonable resolution options.

Swappie does not determine legal liability and does not act as an insurer, adjuster, or guarantor.

Any agreement regarding repair, reimbursement, or replacement is made directly between the Members involved.

Swappie may take platform-level action (including warnings, suspension, or account termination) if a Member violates Swappie policies.

5. Repair and Replacement Principles

Where Members agree that damage occurred during a stay, resolution may include:

• repair of the damaged item; or
• replacement with a comparable item; or
• reimbursement based on fair market value.

Fair market value may consider:

• age of the item;
• condition prior to damage;
• depreciation;
• availability of comparable replacements.

Swappie may recommend repair before replacement where reasonable.

Swappie does not guarantee reimbursement or payment.

6. Member Responsibility for Insurance

Swappie strongly recommends that Members obtain and maintain appropriate insurance coverage, including:

• homeowner insurance;
• renter insurance;
• liability insurance;
• personal property coverage.

Members are solely responsible for ensuring they have adequate protection.

Swappie does not provide insurance coverage at this time.

7. Exclusions and Non-Qualifying Damage

Swappie generally will not assist with claims involving:

• normal wear and tear;
• pre-existing damage;
• maintenance issues unrelated to a stay;
• cosmetic or minor deterioration;
• damage caused by the Host;
• damage unrelated to Guest activity;
• items without reasonable proof of ownership or existence;
• items that were unsecured and highly valuable without reasonable precautions.

Members are encouraged to secure or remove valuable or irreplaceable items prior to hosting.

8. Fraud and False Claims

Submitting false, misleading, or fraudulent damage reports is strictly prohibited.

If Swappie determines that a Member has submitted a fraudulent claim, Swappie may:

• suspend or terminate the Member’s account;
• restrict access to the platform;
• reverse any payments facilitated through the platform where applicable;
• report the conduct to appropriate authorities where required by law.

Members are expected to act honestly and in good faith.

9. Cooperation Requirement

Members agree to cooperate reasonably during any damage investigation or resolution process.

Failure to cooperate may result in:

• closure of the claim;
• limitation of Swappie’s assistance;
• suspension or termination of platform access.

10. Platform Enforcement Actions

If damage results from violations of Swappie’s Terms, Code of Conduct, or policies, Swappie may take enforcement action including:

• warnings;
• temporary suspension;
• permanent removal from the platform;
• restrictions on future bookings or hosting.

Swappie may also restrict access where necessary to protect Members or the integrity of the platform.

11. No Insurance, No Guarantee, and Limitation of Responsibility

Swappie does not provide insurance, guarantees, or automatic reimbursement for damage.

Swappie does not accept liability for:

• damage to property;
• loss of personal belongings;
• disputes between Members;
• failure of Members to reimburse or compensate each other.

Swappie provides platform tools and reasonable facilitation only.

Members use the platform at their own risk, subject to applicable consumer protection laws.

Nothing in this policy limits rights that cannot be limited under applicable law.

12. Resolution Timeline

Swappie aims to assist Members promptly, but resolution timelines depend on:

• Member responsiveness;
• availability of documentation;
• complexity of the situation.

Swappie does not guarantee resolution outcomes or timelines.

13. Policy Updates

Swappie may update this Damage Policy from time to time.

Updated versions will be posted on the Swappie platform.

Continued use of the Services constitutes acceptance of the updated policy.

14. Contact and Support

Members may contact Swappie through the support or concierge features available within the Swappie platform.