Can it estimate my handicap if I don't have an official one?
No, Swilkin is not a handicap authority: it does not calculate an index and does not post scores to GHIN. Type your WHS or GHIN index on your profile and every net score, board, and bet uses it. Without one you play off scratch, and the app says so rather than guessing a number for you. You can keep your GHIN number on your profile; nothing is sent anywhere.
