Terms of Service

These terms govern your use of swiftarius.com, the SWIFTarius Telegram bot (@swiftarius_bot) and the SWIFTarius API, together “the Service”. The Service is provided by the operator of SWIFTarius (“we”, “us”). By using the Service you accept these terms and our Privacy Policy. Paid plans are confirmed in the bot before you pay.

The operator’s legal name and registered address will be published here before paid plans open.

SWIFTarius is an information service. It shows what the public payment trackers of banks report about a SWIFT payment identified by its UETR, explains the status codes and notifies you when the status changes.

• We are not a bank, a payment institution or SWIFT. We do not hold or move money and do not act on your behalf with banks.
• Statuses come from third parties. They can be incomplete, late or wrong. “Not found” does not mean that a payment does not exist, and a status is not proof that funds were credited. Only the beneficiary’s bank can confirm a credit.
• Payment passports and letters to banks are templates for your own use. We do not give legal, tax or financial advice, and decisions you make on the basis of the Service are yours.

Your account is linked to your Telegram account. You must be at least 18 and able to enter into a contract. If you use the Service for a company, you confirm that you may bind it to these terms.

Keep your API keys secret: anyone holding a key can use your credits. You are responsible for activity under your account and keys. If a key may have leaked, revoke it at once with /revoke in the bot.

Submit only payments that you are a party to or are authorised to handle, and only data you have the right to share with us. When you send a counterparty card, you decide who sees it: anyone holding the link can open it until it expires or you revoke it.

You keep all rights to your data. You allow us to process it as needed to provide the Service, as described in the Privacy Policy.

You must not use the Service:

• for any unlawful purpose, including evading sanctions, money laundering or financing terrorism;
• to deceive anyone, for example by presenting a status or a counterparty card as proof that a payment was made or credited;
• to resell or republish the Service or its data, or to collect it automatically, except through the API within your plan;
• to bypass limits, security measures or blocks, or to overload the Service or the bank trackers it uses.

We may suspend or block accounts that breach these terms or where the law requires us to.

• Bot subscription. Paid in Telegram Stars for a 30-day period that renews automatically until you cancel with /cancel_subscription. Cancelling stops the next renewal; the period you have paid for stays active. The limits included in a plan are shown in the bot before you pay.
• API credits. The API uses prepaid service credits. The price of a check is shown in GET /v1/account. A check is charged only when it returns an answer, including “not found”. Credits have no cash value, cannot be transferred and do not expire while your account is open.
• Prices. Prices are shown before you pay. A change of price applies from your next period or top-up, never to a period already paid for.

For any question about a payment, write to the SWIFTarius Telegram bot, @swiftarius_bot, command /paysupport, or by e-mail at our support address (enable JavaScript to see it). Support for purchases is provided by us, not by Telegram; refunds of Telegram Stars are made by us to your Telegram account.

Consumers in the EU and the UK may withdraw from a subscription within 14 days of buying it. Because you ask us to start the Service immediately, a refund after withdrawal is reduced in proportion to the time the subscription was active.

USDT top-ups. Unused credits bought with USDT can be refunded on request to the address the payment came from, less network fees. A payment that fails sanctions or risk screening may be refused. Where the law allows, we return it to the sending address; where the law requires us to freeze or report it, we do so.

We work to keep the Service available but do not guarantee uninterrupted operation. Bank trackers can be unavailable, change or stop at any time, and this is outside our control. We may change or discontinue features; material changes that affect a paid plan are announced in the bot in advance.

The software, design and texts of SWIFTarius belong to us or our licensors. SWIFT and gpi are trademarks of S.W.I.F.T. SC, and bank names belong to their owners. SWIFTarius is independent and is not affiliated with or endorsed by SWIFT or any bank.

The Service is provided as it is. To the extent the law allows, we are not liable for the actions or delays of banks, for decisions made on the basis of the Service, or for indirect or consequential losses such as lost profit. Our total liability for any claim is limited to the amount you paid us in the 12 months before it arose.

Nothing in these terms limits liability that cannot be limited by law, including liability for intent or gross negligence, or your rights under mandatory consumer protection law.

You can stop using the Service at any time and ask us to close your account. We may end the contract for a serious or repeated breach of these terms. If we close your account without a breach on your side, we refund the unused part of your subscription and your unused credits.

We may update these terms. We announce changes in the bot at least 14 days before they take effect. If you do not agree, you can cancel before then; continuing to use the Service afterwards means you accept the new terms.

Mandatory consumer protection law of the country where you live continues to apply. Before going to court, please contact us: most questions are solved quickly in the bot.

Write to the SWIFTarius Telegram bot, @swiftarius_bot, command /paysupport, or by e-mail at our support address (enable JavaScript to see it).