Terms & Conditions

1.1 General

This page explains the terms by which you may use our website and software provided on or in connection with our services. By accessing or using the Service, you agree to be bound by this Terms and Conditions agreement (“Agreement”), whether or not you are registered on our services. In the case of disagreement with all or part of these Terms and Conditions, you should abstain from using the Service.

By accepting the current Terms and Conditions, the User agrees to comply with the following service rules:

1. To have read and understood what is explained here.
2. To have assumed all of the obligations that are stated here.
3. To use the service solely for purposes permitted by law and which do not violate the rights of a third party.
4. To not use this website for any unlawful activity. You are prohibited from breaking any term and condition, generating content dedicated to creating SPAM, or providing instructions about how to engage in illegal activities.
5. To not gather, handle, or store personal information about other Users or third parties without complying with the current legislation regarding the protection of information.

If the regulations in the Terms and Conditions are in contradiction with the privacy policy, the Terms and Conditions will prevail.

Failure to comply with these obligations may result in the cancellation of the Contract, as established in Clause 10.

Please be nice. Don’t try to hack our servers, send spam, or break any other rules, regulations, or laws. We love working with you, but please don’t use our Brand to do anything malicious. These are the things you just can’t do.

1.2 Service Rules

Your use of the Service is subject to this Reasonable Use Policy, which has been established to ensure the fair and appropriate use of our service for both users and developers.

The following activities are strictly prohibited in connection with the Service:

• Using any automated or non-automated scraping process (including bots, scrapers, and spiders) in conjunction with the Service.
• Creating excessive workload on the website without legitimate reason (such as engaging in Distributed Denial of Service (DDoS) attacks).
• Tracking SWIFT payments for which you are not the legitimate sender or beneficiary of funds.

If the Service determines that you are in breach of this policy, we reserve the right to take appropriate actions, including but not limited to:

• Temporarily or permanently suspending or terminating your account or subscription to the Service.
• Removing any content or materials associated with the violation.
• Initiating legal proceedings or reporting the violation to relevant authorities, if deemed necessary.

By using the Service, you agree to comply with this Reasonable Use Policy and refrain from engaging in any activities that violate these rules. Failure to adhere to these rules may result in the termination of your access to the Service and may subject you to legal consequences.

1.3 Cookies

The service utilizes cookies, which are necessary for its operations and proper functionality. Additionally, a minimal number of non-essential cookies may be placed on your device, subject to your consent. If you do not accept, manage, or reject the use of cookies, consent will be presumed by your use of our software. However, you retain the ability to provide or withdraw consent at any time through our Cookie Policy page.

1.4 Disclaimers

SWIFT, UETR, and GPI are trademarks owned by S.W.I.F.T. SCRL, headquartered at Avenue Adele 1, 1310 La Hulpe, Belgium. We hereby declare that we are not affiliated with S.W.I.F.T. SCRL in any manner.

Users should be aware that any reference to SWIFT, UETR, or GPI is solely for descriptive purposes, and our services are not endorsed or sponsored by S.W.I.F.T. SCRL.

By using our services, users acknowledge and agree to the above disclaimers regarding our relationship with S.W.I.F.T. SCRL and the nature of the services provided.

We do not provide any financial services – we are not a bank or EMI or any other regulated financial institution. We do not transfer funds. We do not offer financial products.

2. Accounts

When a user attempts to track a payment or requests Standard Settlement Instructions (SSI) information, they are required to create an account using their email or phone number. By creating an account, users agree to provide accurate and up-to-date information.

Users have the right to request the deletion of their account at any time by contacting our support team through the contact page. Upon receiving a request for account deletion, we will promptly process the request and remove all associated user data from our systems.

We reserve the right to retain certain information for legal or administrative purposes, such as records of transactions or communications, even after an account has been deleted.

Users are responsible for maintaining the confidentiality of their account credentials and for any activities that occur under their account. They must promptly notify us of any unauthorized use of their account or any other breach of security.

We reserve the right to suspend or terminate a user’s account at our discretion if we believe they have violated these Terms and Conditions or engaged in fraudulent or illegal activities.

Upon termination of an account, the user will lose access to the Service and any associated data or information. We shall not be liable for any loss or damage resulting from the termination of a user’s account.

Users may appeal the suspension or termination of their account by contacting our support team through the contact page.

3. Tracking the Payment

The Service receives information from several large financial institutions and provides it as-is to the users.

The Service is not responsible for the results of the tracking. There could be situations when everything is fine with the payment, but we cannot track it. It doesn’t mean that your money has been stolen. Additionally, it is possible that the actual status of the payment differs from what we announce, as the status in GPI tracking may not be up to date.

We cannot confirm the sender and beneficiary of the transactions. Our service solely provides information received from financial institutions, and we do not have access to personal details of the parties involved in the transactions.

Users acknowledge and agree that the tracking information provided by the Service is for informational purposes only and may not accurately reflect the current status or details of the payment.

By using the Service, you agree to indemnify and hold harmless the Service and its affiliates from any claims, damages, or liabilities arising from or related to the tracking information provided by the Service.

4. Legal Guarantees

By using the Service provided by Ohmyfin Limited, you agree that any disputes or claims arising out of or relating to the Service shall be governed by the laws of the United Kingdom.

Ohmyfin Limited shall not be held responsible for any direct, indirect, incidental, special, or consequential damages resulting from the usage of the Service. Users acknowledge and agree that they use the Service at their own risk and discretion.

It is important to note that Ohmyfin Limited is not a financial organization and does not provide any financial services. Therefore, users should not consider the Service as a substitute for professional financial advice. Ohmyfin Limited shall not be liable for any financial decisions made based on the information provided through the Service.

Furthermore, Ohmyfin Limited disclaims all warranties, express or implied, including, but not limited to, the warranties of merchantability, fitness for a particular purpose, and non-infringement. Ohmyfin Limited does not guarantee the accuracy, completeness, or reliability of any information provided through the Service.

5. Pricing

Ohmyfin Limited offers various services, some of which may be provided free of charge while others may require payment, including subscription-based services. The pricing for paid services is subject to change at any time at the discretion of Ohmyfin Limited.

Users acknowledge and agree that by purchasing paid services, they are bound by the pricing terms specified by Ohmyfin Limited. Users are responsible for reviewing the current pricing information before making any purchase.

Refunds for paid services are governed by our refund policy. By making a payment for any service, users accept and agree to abide by the terms and conditions outlined in the refund policy.

It is important for users to read and understand the terms and conditions, including the privacy policy and refund policy, before using any services provided by Ohmyfin Limited. By accessing or using the services, users signify their acceptance of these terms and agree to comply with all applicable laws and regulations.

Ohmyfin Limited reserves the right to suspend or terminate access to services for any user who violates these terms or engages in fraudulent or unlawful activities.

For any inquiries regarding pricing, refunds, or other legal matters, please contact us using an official web form.

These terms and conditions are governed by the laws of the United Kingdom, and any disputes arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

Ohmyfin Limited partners with Stripe and/or other reliable payment providers to accept payments. Users agree to share their payment data with those payment providers and Ohmyfin Limited is responsible for their actions.

6. Collected Information

In order to provide our services effectively, Ohmyfin Limited collects the following information:

• E-mail or/and Phone Number for authentication services.
• Type of account: business/individual, etc. to tailor our services to user’s needs.
• UETR (Unique End-to-End Transaction Reference) and/or payment reference number.
• Value date of the transaction.
• Value amount of the transaction.
• Currency of the payment.
• IP address and CSRF (Cross-Site Request Forgery) token for security purposes.
• Date of the tracking request.
• Information about sending and receiving financial institutions for payment route analytics purposes.

We collect this information to facilitate the tracking of cross-border payments and to enhance the security and reliability of our services. We are committed to protecting the privacy and confidentiality of our users’ information in accordance with our privacy policy.

By using our services, users consent to the collection and processing of their information as described above. Users also acknowledge that providing accurate and up-to-date information is essential for the proper functioning of our services.

6. No Warranty

Your use of the Service is entirely at your own risk. We provide no warranty or guarantee regarding the Service, whether expressed or implied.

We make no representations or warranties of any kind, including but not limited to:

• The accuracy, completeness, or reliability of the Service.
• The availability, timeliness, or uninterrupted operation of the Service.
• The security or safety of the Service or any information transmitted through it.
• The suitability or compatibility of the Service for any particular purpose or use.

We expressly disclaim any warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Service will meet your requirements or expectations, or that any defects or errors in the Service will be corrected.

By using the Service, you acknowledge and agree that we shall not be liable for any damages, losses, or liabilities arising from or related to your use of the Service or any reliance on the information provided therein.

This disclaimer of warranty shall apply to the fullest extent permitted by applicable law.

If you are dissatisfied with the Service or any part thereof, your sole remedy is to discontinue use of the Service.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Service or its employees be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for use, data, or other intangible losses, arising from or relating to any breach of this agreement.

Under no circumstances will the Service be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the service or your account or the information contained therein.

We expressly disclaim liability for consequential damages resulting from using or misusing our services.

This limitation of liability shall apply to the fullest extent permitted by applicable law.

If you are dissatisfied with any aspect of the Service or this agreement, your sole and exclusive remedy is to discontinue using the Service.

By using the Service, you agree that any claim or cause of action arising out of or related to your use of the Service or this agreement must be filed within one year after such claim or cause of action arose or be forever barred.

8. License of Limited Use

We own all rights to the website and its associated services. We are the sole authorized party permitted to exploit our services.

By accessing or using the website and its services, you are granted a limited, non-exclusive, and non-transferable license to use the services for their intended purposes only, subject to the terms and conditions of this agreement.

This license does not confer any ownership rights or transfer any intellectual property rights to you. You may not sublicense, sell, rent, lease, distribute, or otherwise exploit the services for any commercial purpose without our prior written consent.

Any unauthorized use of the services or violation of this license may result in the immediate termination of your access to the services and may subject you to legal consequences.

9. Intellectual and Industrial Property Rights

The contents of this site, including but not limited to the contents, brands, logos, drawings, texts, images, databases, codes, and any other material, belong to the Service or to third parties who have authorized their use.

In general, the utilization of these materials for commercial purposes, their public communication or distribution, or any other form of exploitation by any means, such as transformation or alteration, is strictly prohibited.

We expressly disclaim liability for consequential damages resulting from using or misusing our services.

Any unauthorized use of the materials on this site may violate copyright, trademark, and other laws, and may result in legal consequences.

By accessing or using this site and its contents, you agree to respect the intellectual and industrial property rights of the Service and third-party rights holders, and to refrain from engaging in any unauthorized use or exploitation of these materials.

10. Termination

The Service reserves the unilateral right to terminate the current Contract under the following circumstances:

1. If the User breaches any obligations and guarantees established in this Agreement.
2. If intellectual property rights or any other third-party rights are infringed upon.
3. If the User fails to make timely payments of fees for the Software or the Services.
4. If compelled by law (for example, if providing software to a specific region becomes unlawful).
5. If the Service chooses to discontinue the Services or Software, in whole or in part (such as if it becomes impractical to provide Service or if our website becomes censored in a region).

The termination of the Contract shall not prejudice the Service’s right to claim corresponding damages and losses.

Users have the option to cancel their account at any time, either through their Account page or via the online contact form.

In certain scenarios, the Service reserves the right to cease offering its services to specific users.

The termination of the Contract shall not relieve either party from any obligations accrued prior to termination.

Termination of the Contract shall be effective immediately upon notice, or as of a specified future date.

Upon termination, the User agrees to cease all use of the Services and Software provided by the Service.

11. Claims

In the event of any claims, complaints, or inquiries arising from the current Contract, or to request information about the Service, the User shall have the right to contact our support team.

The User agrees to provide clear and detailed information regarding any claims or complaints to facilitate resolution by our support team.

Any claims or complaints shall be addressed promptly and in good faith by our support team, with the aim of achieving an amicable resolution.

The User acknowledges and agrees that any failure to notify the Service of claims or complaints in a timely manner may impact the resolution process and any potential remedies available.

The Service reserves the right to investigate any claims or complaints thoroughly and take appropriate actions deemed necessary to resolve the issue.

By contacting our support team, the User acknowledges that the Service may require additional information or documentation to assess and address the claim or complaint effectively.

The User agrees to cooperate fully with the Service during the investigation and resolution of any claims or complaints.

The Service shall not be liable for any damages or losses arising from claims or complaints that are not reported in accordance with the procedures outlined in this clause.