Terms

Last updated: July 2026

By accessing or using the HouseSwapp website, mobile applications, or related services (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). HouseSwapp is operated by TipTap LTD, a company incorporated in Cyprus (“HouseSwapp”, “we”, “us”, or “our”). If you do not agree to these Terms, you must not access or use the Service.

1. About HouseSwapp

HouseSwapp is a members-only platform that facilitates temporary home exchanges between individuals. Eligible properties may include houses, apartments, rooms, cabins, holiday homes, and other residential accommodations worldwide.

HouseSwapp provides the online platform through which members may create listings, communicate with one another, arrange exchanges, and, where available, purchase optional guest damage protection. HouseSwapp does not own, manage, control, inspect, endorse, or guarantee any property listed on the platform.

Except where expressly stated, HouseSwapp is not a landlord, tenant, real estate agent, travel agency, accommodation provider, insurer, underwriter of Protection Payments, or party to any agreement entered into between members.

2. Eligibility and Accounts

To use the Service, you must:

You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account.

A complete profile, including your name, telephone number, and city of residence, is required before you may create listings, send swap requests, or use member chat features.

We reserve the right to suspend, restrict, or terminate accounts that violate these Terms, provide false information, engage in fraudulent conduct, harass other members, or otherwise misuse the Service.

3. Identity Verification

To promote trust and safety within the community, HouseSwapp may require identity verification before a member accepts a swap request, confirms an exchange, or purchases guest damage protection associated with a confirmed exchange.

Members may browse listings, create an account, publish a listing, communicate with other members, and express interest in exchanges without completing identity verification.

Where verification is required, members may be asked to provide a government-issued photo identification document and a selfie through the HouseSwapp platform.

Verification may involve automated review processes, including AI-assisted document analysis provided by third-party service providers, such as OpenAI, for the purpose of confirming identity, detecting fraudulent submissions, and identifying unreadable or invalid documents. Verification may also involve manual review by authorised personnel where necessary.

Documents submitted for verification are temporarily stored in encrypted cloud infrastructure, including Cloudflare R2, during the verification process. Such documents are not stored on HouseSwapp-operated servers and are deleted following completion of the verification process, subject to legal, regulatory, or fraud-prevention requirements.

HouseSwapp generally retains only:

We may require re-verification where required by law, where fraud indicators are detected, or where material changes are made to a member’s profile.

Further information regarding the processing of personal data is available in our Privacy Policy.

4. Listings and Availability

Members who publish listings (“Hosts”) must ensure that all information provided is accurate, complete, and not misleading, including:

A listing marked as “Available Now” indicates that the property is generally open to exchange proposals, subject to availability and any existing commitments.

Hosts are solely responsible for ensuring that they have all necessary rights, permissions, and legal authority to offer a property for temporary exchange and for complying with all applicable laws, regulations, lease obligations, co-ownership arrangements, and other restrictions.

5. Swap Requests, Communication, and Matching

HouseSwapp enables members to propose exchanges, communicate through platform tools, and evaluate potential swap opportunities.

Members are encouraged to conduct communications through the platform until an exchange has been agreed.

HouseSwapp may provide recommendations, matching scores, search rankings, maps, and other automated suggestions. Such tools are provided solely for convenience and informational purposes and do not constitute guarantees regarding compatibility, member conduct, property condition, availability, safety, or the likelihood of a successful exchange.

Direct Matching

HouseSwapp may suggest properties based on information provided by members, including preferred destinations, property types, travel dates, occupancy requirements, amenities, and other stated preferences.

A higher matching score indicates a closer alignment with the preferences provided by members but does not guarantee that an exchange will occur.

Three-Way Exchanges

Members who opt into three-way matching may receive suggestions involving circular exchanges among three participating households.

Automated matching systems may consider factors including:

HouseSwapp does not disclose proprietary matching algorithms, scoring methodologies, or source code.

Indicating interest in a proposed three-way exchange does not create a binding agreement. Members must separately agree on dates, house rules, and any applicable protection arrangements before an exchange is confirmed.

6. Member Exchange Agreement

By accepting a swap request or purchasing guest damage protection associated with an agreed exchange, each participating member represents and agrees that they will:

Each exchange constitutes a private agreement between participating members. HouseSwapp facilitates introductions and platform functionality but is not a party to any occupancy agreement, exchange agreement, or arrangement entered into between members.

7. Guest Damage Protection (Screen & Protect)

TipTap LTD (operating HouseSwapp) may offer optional guest damage protection for confirmed home exchanges through a third-party provider, currently Truvi, under Truvi’s Screen & Protect programme (the “Protection Service”).

The Protection Service is not regulated insurance. It is a contractual mediation and resolution programme. TipTap LTD / HouseSwapp is not an insurer, does not underwrite risk, and does not guarantee that any Protection Payment will be made.

Protection Payments are discretionary. Under Truvi’s Screen & Protect Terms & Conditions, Truvi decides whether a claim is eligible, what evidence is sufficient, whether and how much to pay, and in which currency. Truvi’s decision may be final under those terms. HouseSwapp does not decide Protection Payments.

Before purchase, members must review Truvi’s Screen & Protect Terms & Conditions and the checkout summary (including applicable limits, Approved versus Flagged booking status, pricing, and any additional services). In the event of any inconsistency between these Terms and Truvi’s Screen & Protect documentation on protection-specific matters, Truvi’s documentation prevails.

Screening and booking status (for example Approved versus Flagged) may affect the protection level available for a stay, as shown at checkout.

Evidence. Hosts seeking a Protection Payment should expect to provide supporting evidence as required by Truvi. This typically includes timestamped photographs of the property before and after the stay, receipts, and third-party invoices. In some cases a police report or similar official documentation may be required. Incomplete evidence may result in no payment.

Own home insurance. Truvi may require the Host to make a claim under their own home insurance (or equivalent) before a Protection Payment is considered. That process may involve an excess (deductible) and may affect the Host’s claims history with their insurer.

Valuation. Where a Protection Payment is considered, amounts are assessed using Truvi’s depreciation approach (not automatic new-for-old replacement), in accordance with Truvi’s Depreciation Table and Screen & Protect Terms.

Exclusions. Protection is subject to exclusions defined by Truvi. Without limiting those terms, members should expect that the following are typically not covered: normal wear and tear; cosmetic damage; loss of income or alternative accommodation costs; damage related to pets; pools, spas, and similar amenities where excluded; and natural disasters or comparable force majeure events as defined by Truvi.

Subrogation. If Truvi makes a Protection Payment, rights of recovery against the guest (or other responsible party) may transfer to Truvi. If a Host later recovers amounts from the guest that relate to the same loss, those amounts must be passed to Truvi as required under Truvi’s terms.

Claims handling. Incident investigation, communication, and decisions on Protection Payments are operated by Truvi under Truvi’s service timelines (for example first contact, evidence requests, and decision targets stated in Truvi’s terms). HouseSwapp may help members report an incident or route information to Truvi, but HouseSwapp does not investigate claims as insurer or guarantee outcomes.

The Protection Service supplements, and does not replace, member due diligence, personal insurance policies, security arrangements, or legal rights available under applicable law.

Unprotected bookings. Members may mutually confirm a home exchange without purchasing the Protection Service (a free tier). An unprotected confirmation means there is no Truvi Screen & Protect cover for that exchange. Participating members remain liable for damage they or their guests cause and should rely on their own insurance and applicable law. HouseSwapp does not underwrite or pay damage claims for unprotected bookings. Protected confirmation remains the default recommended path.

8. Fees and Payments

Certain features of the Service may be provided free of charge, while others may require payment.

Before completing any purchase, HouseSwapp will display the applicable fees, taxes, currency, and payment terms.

By submitting payment information and completing a transaction, you authorise HouseSwapp and its payment providers to charge the applicable amounts.

Unless otherwise required by law, fees are non-refundable once services have been provided.

9. Member Responsibilities and Prohibited Conduct

Members must use the Service responsibly, lawfully, and respectfully.

You agree not to:

Members should report safety concerns, damage, fraud, or suspected misuse promptly.

In emergencies, members should first contact the appropriate local emergency services.

10. User Content and Licence

Members retain ownership of photographs, descriptions, reviews, messages, and other content submitted to the Service (“User Content”).

By uploading User Content, you grant TipTap LTD a worldwide, non-exclusive, royalty-free licence to host, reproduce, display, distribute, modify for formatting purposes, and promote such content solely for the operation, maintenance, improvement, and marketing of the Service.

You represent that you possess all rights necessary to submit the User Content and grant the licence described above.

11. Disclaimers and Limitation of Liability

To the maximum extent permitted by applicable law, the Service is provided on an “as is” and “as available” basis.

HouseSwapp does not guarantee:

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Subject to the foregoing, TipTap LTD’s total aggregate liability arising out of or relating to the Service shall not exceed the greater of:

(a) the total amount paid by the affected member to HouseSwapp during the twelve (12) months preceding the event giving rise to the claim; or

(b) EUR 100.

This limitation applies regardless of the legal theory on which a claim is based and includes claims arising in contract, tort, negligence, statutory duty, or otherwise.

12. Disputes Between Members

Members are encouraged to attempt to resolve disputes directly through platform communications.

HouseSwapp may, at its discretion, provide assistance, guidance, or access to available Protection Service claims procedures operated by Truvi. However, HouseSwapp is not obligated to investigate, mediate, arbitrate, or resolve disputes between members, and does not decide Protection Payments.

Nothing in these Terms restricts a member’s right to pursue legal remedies available under applicable law.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Cyprus.

Where mandatory consumer protection laws in a member’s country of residence provide additional rights or protections, those rights shall remain unaffected.

Any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Cyprus, except where mandatory consumer protection laws provide otherwise.

14. Account Deletion and Data Retention

Members may delete their account through the account settings available within the Service or by using the account deletion tools provided by HouseSwapp, including Delete my data (when signed in) and Delete your account.

Questions relating to privacy, data protection, or GDPR rights may be directed to privacy@houseswapp.com.

Following account deletion, certain information may be retained where required by law, necessary for fraud prevention, Protection Service administration, dispute resolution, enforcement of these Terms, or protection of legal rights.

Where possible, retained information will be anonymised or minimised.

15. Changes to These Terms

HouseSwapp may modify these Terms from time to time.

Where required by law, we will provide notice of material changes before they take effect.

Your continued use of the Service following the effective date of updated Terms constitutes acceptance of those changes.

If you do not agree to any updated Terms, you must discontinue use of the Service.