Welcome to Ohmyfin (hereinafter referred to as "the Service"). The Service provides users with access to a web application that displays information related to the status code of their international money transfers, the date of the last status update, and the status of transfers in specific banks and/or licensed fintech companies. We also collect and present publicly available information about licensed financial institutions and other entities assigned a BIC code, including their correspondent banking relationships (Standard Settlement Instructions). From time to time, we may offer informational content, such as webinars or masterclasses (live or pre-recorded), which are intended solely for general informational purposes and do not constitute professional, financial, or educational certification or training.
The current Terms and Conditions stipulate the legally binding conditions between Yourself (the "User") and the websites, services, and applications of Ohmyfin.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE, FROM TIME TO TIME IN OUR SOLE DISCRETION. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.
Ohmyfin brand is a property of Ohmyfin Organisation, company registered by laws of the Republic of Panama with the company number 687928532 with registered address: Panama City, Republic of Panama.
This page explains the terms by which you may use our website and web applications 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:
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 11.
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.
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:
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:
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.
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.
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. We do not have any direct connection with their network and their services.
Our Service provides a catalog of banks, financial institutions, and other organizations that are assigned Bank Identifier Codes (BICs) or provide financial services. The inclusion of these organizations in our Service is for informational purposes only and does not imply any affiliation, endorsement, or partnership between us and those organizations. The names, logos, trademarks, and other identifying elements of the listed organizations may be protected under trademark or copyright laws. We acknowledge the rights of the respective owners of these intellectual properties. The display of such information on our platform is solely intended to provide factual and publicly accessible data about the financial industry. We do not have any agreements, sponsorships, or endorsements with the organizations listed in our Service. The information we provide is not intended to suggest any form of association, authorization, or approval by these organizations.
While we strive to keep the information on our platform accurate and up-to-date, we cannot guarantee the completeness or accuracy of the data provided. Users are advised to independently verify any information before making financial decisions. We disclaim any liability for errors, omissions, or inaccuracies in the information provided. Your bank is the best source of information in regards payments instructions and status of the payment.
When we show the results of the payments tracking, we may show the information in one or several banks and/or financial institutions. It doesn't mean we have any contract relations with them. Our services are not endorsed or sponsored by those organizations. The status may be not up-to-date by technical reasons.
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 or investment products.
Visa, Mastercard, Stripe - are trademarks owned by respective well-known companies. We do not have any direct relations with Visa or Mastercard, their logos on our website are being used solely to inform about acceptable payment options. We have an agreement with Stripe to accept card payments for our services.
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 using Delete Account feature.
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.
The Service receives information from several large banks / financial institutions and provides it as-is to the users. By usage of the Service and providing the necessary tracking data (uetr, reference, amount, currency, sender's date), you authorize the Service to request the information about your payment on your behalf from banks and financial institutions.
By asking to contact those banks and/or financial institutions you agree to the terms of services of those banks and financial institutions, including, but not limited to: 1, 2, 3, 4, 5 and 6.
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 display: the payment can went out of traceable network to local payment scheme, bank employees sometimes make mistakes or there could be other technical and organizational reasons.
We cannot confirm the sender or 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.
We always recommend contacting your bank directly to get up-to-date information about the payment. The typical timeframe for requesting a payment investigation is 2–3 weeks after the payment has been sent.
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.
The Service may provide API to the regulated financial institutions. The parties will sign an additional agreement in relations to that. Until the agreement is signed, the parties are bounded by these Terms.
By using the Service provided by Ohmyfin Organisation, you agree that any disputes or claims arising out of or relating to the Service shall be governed by the laws of the Republic of Panama.
Ohmyfin Organisation 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 Organisation 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 Organisation shall not be liable for any financial decisions made based on the information provided through the Service.
Furthermore, Ohmyfin Organisation disclaims all warranties, express or implied, including, but not limited to, the warranties of merchantability, fitness for a particular purpose, and non-infringement. Ohmyfin Organisation does not guarantee the accuracy, completeness, or reliability of any information provided through the Service.
Ohmyfin Organisation offers various services through two primary payment models:
Some services may be provided free of charge, while others require payment through either subscription or credits. The pricing for paid services is subject to change at any time at the discretion of Ohmyfin Organisation.
Our credit-based payment system operates as follows:
Users acknowledge and agree that by purchasing paid services or credits, they are bound by the pricing terms specified by Ohmyfin Organisation. Users are responsible for reviewing the current pricing information before making any purchase.
Refunds for paid services and credits 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 Organisation. By accessing or using the services, users signify their acceptance of these terms and agree to comply with all applicable laws and regulations.
Ohmyfin Organisation 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.
Ohmyfin Organisation partners with Stripe and/or other reliable payment providers to accept payments. Users agree to share their payment/billing data with those payment providers and Ohmyfin Organisation is not responsible for their actions.
In order to provide our services effectively, Ohmyfin Organisation collects the following information:
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.
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:
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.
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.
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.
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.
The Service reserves the unilateral right to terminate the current Contract under the following circumstances:
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.
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.
You may not access or use our services if you are located in, incorporated in, or a resident of any jurisdiction that is subject to comprehensive sanctions, embargoes, or other legal restrictions imposed by the United Kingdom, the European Union, or the United States. This includes, but is not limited to, the following countries or regions as of the effective date of these Terms:
The list of restricted jurisdictions may be updated from time to time in accordance with applicable laws and sanctions regimes. For the most current information, users should consult:
By using our services, you confirm that you are not located in, or otherwise subject to the laws of a restricted jurisdiction and are not on any government list of prohibited or restricted parties.