Swift Connect Travel — Refund & Cancellation Policy

Last Updated: September 2025

At Swift Connect Travel (“Swift Connect,” “we,” “us,” or “our”), we value the trust you place in us to facilitate your travel to Ghana, West Africa. This Refund & Cancellation Policy explains when and how refunds may be issued, the responsibilities of both travelers and Swift Connect, and the role of travel insurance in protecting your trip.

This Policy applies to all payments, deposits, and bookings made directly with Swift Connect Travel. By booking with us, you agree to these terms.

1. Client-Initiated Cancellations

• 60+ Days Before Departure

  • Eligible for a partial refund, subject to deduction of non-refundable supplier costs (e.g., airline deposits, hotel contracts, excursion bookings).

• 30–59 Days Before Departure

  • Eligible for a limited refund, typically covering only recoverable supplier costs. Administrative or processing fees may apply.

• Less Than 30 Days Before Departure

  • No refund will be issued unless otherwise required by law or a supplier’s policy. At this stage, most costs are fully committed to airlines, hotels, and vendors.

Note: All refunds are reduced by any non-recoverable amounts from third-party suppliers, plus a Swift Connect administrative fee.

2. Cancellations by Swift Connect Travel

• If Swift Connect cancels a trip (for reasons within our control), you may choose:

  • A full refund of prepaid, unused services; or

  • A replacement service or rescheduled trip of equal or greater value (subject to availability).

• For cancellations due to circumstances outside our control (see Force Majeure), refunds will be handled according to Section 6.

3. Changes to Bookings

• Traveler-requested changes (such as date changes, substitutions, or itinerary modifications) may incur additional supplier fees or fare differences, which are the responsibility of the traveler.

• Swift Connect will make reasonable efforts to accommodate changes but cannot guarantee availability or pricing.

4. Non-Refundable Items

Certain payments are always non-refundable, including but not limited to:

• Initial booking deposits (unless Swift Connect cancels the trip).

• Visa, passport, and processing fees.

• Service fees charged by payment processors.

• Travel insurance premiums.

5. Travel Insurance

Swift Connect strongly recommends that travelers purchase comprehensive travel insurance to cover:

• Trip cancellation, delay, or interruption.

• Medical emergencies abroad.

• Lost luggage or personal effects.

• Force majeure or other unforeseeable events.

Travel insurance must be purchased separately and is subject to the provider’s terms.

6. Force Majeure & Special Circumstances

Neither Swift Connect nor the traveler will be held liable for failure to perform obligations due to extraordinary events beyond our reasonable control (“force majeure”), including:

• Natural disasters, extreme weather, or pandemics.

• War, terrorism, or civil unrest.

• Strikes, labor disputes, or government restrictions.

In such cases:

• Refunds will be processed in accordance with supplier policies (e.g., airline or hotel rules).

• Swift Connect will advocate on your behalf to recover maximum possible amounts.

• Refunds may be issued as future travel credits if cash refunds are not available.

7. Refund Request Process

• All refund requests must be submitted in writing (email to swiftconnecttravelsgh@gmail.com).

• Requests must include booking reference, traveler names, and cancellation reason.

• Refunds are typically processed back to the original form of payment within 15–30 business days, depending on supplier timelines and banking systems.

• Processing times may be longer for international transactions.

8. Governing Law & Dispute Resolution

• This Refund Policy is governed by the laws of Ghana (Data Protection Act, 2012 (Act 843) applies to personal data; general contract law applies to payments).

• For U.S. travelers, certain state consumer protections may apply in addition.

• Disputes should first be raised in writing to Swift Connect Customer Service. If unresolved, disputes may be escalated to mediation or arbitration where legally permitted.

9. Contact Information

Swift Connect Travel
📧 Email: swiftconnecttravelsgh@gmail.com
📞 U.S. Phone: +1 (757) 606-7901
📞 Ghana Phone: +233 54 655 1421