uetr.ai

Terms of Service

Last updated: 12 August 2026

1. Who we are and acceptance

uetr.ai is operated by Sempre Relevante - Unipessoal Lda, a private limited company (Portugal) trading as uetr.ai (the "Seller", "we", "us", "our"). By accessing or using the Service you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, do not use the Service. If you are using the Service on behalf of an organisation, you confirm you have authority to bind that organisation to these Terms.

2. What uetr.ai is

uetr.ai ("we", "us", "our", the "Service") is an independent information service that lets you look up available status information for supported international wires using their UETR (Unique End-to-end Transaction Reference) and, optionally, monitor supported sources and receive email notifications when available information changes.

Two separate contracts apply when you buy a paid plan: (a) a service contract between you and Sempre Relevante - Unipessoal Lda, governed by these Terms; and (b) a payment transaction processed through Stripe acting as merchant of record where Stripe Managed Payments applies, governed by Stripe's End User Terms. See our merchant-of-record disclosure.

2a. What you are buying

What you buy is the querying, monitoring and notification work, not a statement of fact about your payment. We undertake to attempt queries against the supported sources we list, on the target schedule described in your plan (see section 4e), and to show you and notify you of what those sources return. We do not undertake that a source will respond, that a source holds a record of your transfer, that what a source returns is correct, current or complete, or that your payment has any particular status. This is an obligation of means, not an obligation of result. Subject to the commitments expressly stated in your plan and to your rights under mandatory law, once we have run the queries and shown you what came back, we have performed this contract, whatever the sources said and whatever later turns out to be true.

3. What uetr.ai is not

The Service is not a bank, payment institution, money services business, money transmitter, e-money issuer, investment adviser, broker, or any other type of regulated financial institution. We do not hold, custody, move, send, receive, exchange or otherwise process funds. We do not provide regulated financial, legal, tax or investment advice.

We are not affiliated with, endorsed by, sponsored by, or partnered with any bank, clearing house, payment network or financial institution. All third-party names, marks and logos are property of their respective owners and are used solely for identification.

4. Information only, no reliance

Data displayed on the Service is sourced from supported publicly available tracker pages and other status sources that we can access. It is provided "as is" and "as available", for information purposes only. It may be delayed, incomplete, ambiguous or inaccurate. Nothing shown by the Service is confirmation of payment, settlement, receipt of funds, or any other financial fact, and none of it is a substitute for verifying the status of your transfer directly with your bank before you take any action. You use the Service at your own risk.

4a. You instruct us, and what you confirm when you do

We do not look up transfers on our own initiative. Every query we run is run because you asked for it, at your request and using details you supplied. Each time you submit a UETR or ask us to monitor one, you confirm that: (a) you are the sender, the beneficiary, or another party to the transfer, or you are acting for one of them with their authority; (b) you obtained the UETR and the other details lawfully; (c) you are permitted to obtain status information about that transfer and to give those details to us for that purpose; and (d) your use of the result is lawful where you are and where the other parties to the transfer are. We rely on that confirmation. We do not verify it and we are not able to verify it. If it turns out to be untrue, the query was outside what we authorised, you were in breach of these Terms when you made it, and sections 11 and 11a apply.

uetr.ai does not bypass technical access controls, does not sign in to any bank-customer area, and does not present itself as you to any bank. We do not request, access, store or transmit your bank credentials. If a source is unavailable, restricted, delayed, or returns no match, the Service may return no result.

4b. Aggregated and anonymised information

We may compile aggregated and anonymised information from activity on the Service, including from the tracking requests you submit, the status information returned by the sources we query, and general use of the Service. We may use and publish that information for any lawful purpose, in any medium, without time limit, and including forms of analysis we have not yet developed. Examples include research, reports, marketing and product material, and information supplied to third parties. Aggregated and anonymised information describes groups. It never identifies you and never describes an individual transfer. All rights in it belong to us. The safeguards we apply when producing it are set out in our Privacy Policy.

4c. What our records are, and what they are not

Every status shown by the Service is a record of what a source displayed to us, at the time we retrieved it. It is not a record of your payment. At most it shows that a named source published that wording at that moment. It does not independently establish or verify that funds were sent, received, credited, cleared, settled, returned, rejected or held, or any date, amount, party, route or fee.

We hold the lookup inputs, query records, retrieved source responses and tracking events described in our Privacy Policy. We do not hold the payment institutions' underlying account, ledger or settlement records, and we cannot independently verify a payment's status. If you need to prove what happened to a payment, ask your bank for the status message it holds, a gpi confirmation, or a certified statement. Do not use the Service for that purpose.

4d. Sources, delay and error

Sources publish on their own schedule, in their own words, and with their own errors. Information can be out of date at the moment it is published, can stay unchanged long after the underlying payment has moved on, can be corrected or withdrawn later, and can differ between two sources for the same transfer. We do not control any source, we have no agreement with any source, we cannot audit a source, and we cannot correct a source. Where a source misstates the position, the Service may reproduce or reflect that misstatement, because showing you what the source says is what the Service does. We accept no responsibility for the content of any source. If a source and your bank disagree, your bank is the one to follow.

4e. No service level

Except for commitments expressly stated in your plan or in a separate written agreement signed by us, the Service carries no service level agreement. Plan frequencies are target query schedules: they describe how often we attempt the queries described in section 2a, not a guarantee that a source will be available, will respond, or will return a result. Beyond that, we do not commit to any level of availability, any notification latency, any continued connection to a given source, or any coverage of any particular institution. We may add, change or remove supported sources for valid technical, security, legal or operational reasons, and we will provide any notice and remedies that applicable law requires when we do. Nothing in our marketing, documentation, dashboards, published statistics or support messages creates a service level commitment or amends these Terms; only a separate written agreement signed by us can do that.

5. Acceptable use

  • You may only look up UETRs for transfers you are a legitimate party to or have authorisation to monitor.
  • You may not use the Service for any unlawful purpose, including fraud, money laundering, sanctions evasion, or surveillance of payments you have no right to access.
  • You may not scrape, resell, or otherwise commercially redistribute data obtained from the Service without our written permission.
  • You may not interfere with the security of the Service, probe for vulnerabilities, upload malware, or attempt to gain unauthorised access to accounts, systems or data.
  • You may not infringe the intellectual property rights of the Seller or any third party while using the Service.

6. Intellectual property

The Service, including its software, design, branding, content and documentation, is owned by Sempre Relevante - Unipessoal Lda (trading as uetr.ai) and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purpose, subject to these Terms. No other rights are granted. You may not copy, modify, reverse engineer, create derivative works of, or commercially exploit the Service without our prior written permission.

7. Subscriptions and payments

Service plans are provided by Sempre Relevante - Unipessoal Lda (Portugal), trading as uetr.ai. The payment transaction is processed through Stripe acting as merchant of record where Stripe Managed Payments applies: Stripe issues invoices and receipts, calculates, collects and remits applicable VAT, GST and sales tax in supported jurisdictions, and handles fraud screening and chargeback / dispute resolution for the transaction. Card statements and receipts may identify Stripe, Link, or uetr.ai depending on payment method and issuing bank. The payment is governed by Stripe's End User Terms in addition to these Terms. Subscriptions renew automatically until cancelled. You may cancel at any time from your account; cancellation stops future renewals and does not generate a pro-rata refund except where required by law or by our refund policy.

7a. Right of withdrawal (EU consumers)

If you are a consumer resident in the EU/EEA you have, in principle, a 14-day right of withdrawal under Decreto-Lei n.º 24/2014 (which transposes Directive 2011/83/EU). Because uetr.ai begins the requested digital service immediately, checkout asks for your express request for immediate performance and your acknowledgement that statutory withdrawal rights may be limited or lost as permitted by law, including where the paid service has been fully performed during the withdrawal period. Our 30-day money-back guarantee, see Refund Policy, applies on top of any non-waivable statutory rights.

7b. Complaints and dispute resolution

If you have a complaint, tell us through our contact form. You can also use the Portuguese Livro de Reclamações Eletrónico, or contact CNIACC (Centro Nacional de Informação e Arbitragem de Conflitos de Consumo, www.cniacc.pt), where applicable under Lei n.º 144/2015. The former EU ODR platform stopped accepting complaints on 20 March 2025 and was discontinued on 20 July 2025.

8. Suspension and termination

We may suspend or terminate your access to the Service, in whole or in part, without liability, if: (a) you materially breach these Terms or our Acceptable Use rules; (b) your payment fails or is reversed; (c) we reasonably suspect fraud, abuse, or a security risk to the Service or other users; or (d) we are required to do so by law or by a competent authority. We may also discontinue the Service, or any part of it, with reasonable notice where practicable. On termination, your right to use the Service ends immediately; sections that by their nature should survive (e.g. IP, disclaimers, liability, governing law) will survive termination.

9. Disclaimer of warranties

To the maximum extent permitted by law, the Service is provided without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, completeness, timeliness, non-infringement or uninterrupted availability.

10. Limitation of liability

To the maximum extent permitted by law, in no event shall uetr.ai be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, or for any loss of profits, revenue, funds, goodwill, data or business opportunity, arising out of or in connection with your use of, or inability to use, the Service, including any losses arising from action you take (or fail to take) based on information shown by the Service. Our aggregate liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim, or USD 50, whichever is greater.

Nothing in these Terms excludes or limits our liability for death or personal injury, for damage to physical or moral integrity, for intent or gross negligence, or for anything else that applicable law does not allow us to exclude or limit. Where you contract with us as a consumer, your statutory rights in relation to the conformity of digital services, including under Decreto-Lei n.º 84/2021, apply in full and are not affected by these Terms.

11. Legal process, records requests and costs

We comply with lawful orders from competent authorities. This section explains how we handle requests and who bears the cost.

Notice to you. Where we receive a request, order, summons or subpoena about your account, your queries, or the records we hold about them, we may, where legally permitted and operationally appropriate, tell you and give you an opportunity to object to the issuing court before we disclose. We do not promise advance notice. Nothing in these Terms requires us to contest a request, to delay compliance, to give advance notice, to incur costs on your behalf, or to provide information that we do not hold. We may challenge, narrow or comply with a request at our discretion, subject to applicable law.

How we respond. We do not provide voluntary litigation, certification, expert or witness services. We respond to legal process that is binding on us after review under applicable law, and we reserve all rights and objections. We do not create affidavits, certifications, analyses, opinions, expert reports or testimony unless legally required, and nothing we produce verifies the truth of any information a third-party source displayed. Nothing in these Terms limits any lawful power to require documents or testimony.

Requests from outside the European Union. We are established in Portugal and process personal data as described in our Privacy Policy. A request or order from an authority outside the EEA does not automatically bind us and is not, by itself, a lawful basis for us to disclose personal data (Article 48 of the GDPR, as explained by the European Data Protection Board in Guidelines 02/2024). We assess each request under applicable Portuguese and European Union law, including Article 6 and Chapter V of the GDPR. Where an applicable treaty or cooperation procedure governs the request, such as a mutual legal assistance treaty or the Hague Evidence Convention addressed to the competent Portuguese authority, we may require the requesting party or authority to use that procedure. We disclose personal data only where a valid legal basis and, where required, a transfer ground exist, and only to the extent we determine is legally required or otherwise lawful, necessary and proportionate.

Costs. Where a request, order or proceeding reaches us because of your use of the Service, we recover our reasonable costs of responding, including staff time, external legal fees, and the cost of producing and certifying records, where applicable law, the issuing authority or a court permits that recovery, and from the party the law places those costs on. This paragraph does not apply where a court orders otherwise or where we are ourselves the subject of the investigation, and it does not reduce any protection you have as a consumer.

11a. Business use indemnity

This section applies only if you use the Service for business or professional purposes. It does not apply to consumers.

You will defend, indemnify and hold harmless uetr.ai, its operator, and their affiliates, successors, officers, directors, employees, agents and contractors from third-party claims, investigations, compulsory process, orders, losses, liabilities, penalties, damages and reasonable, documented internal technical and staff costs and external professional, legal and compliance costs (advanced or reimbursed as incurred, where enforceable) arising from or relating to: (a) your unlawful or unauthorised submission, monitoring, disclosure or use of a UETR or transfer information; (b) your breach of these Terms, including the confirmations in section 4a; (c) your infringement of another person's rights; or (d) content, instructions or representations you provide.

We will notify you of a claim promptly where practicable. We control the defence and any settlement; you will cooperate at your cost; you may not settle, admit liability or impose an obligation on any indemnified party without our prior written consent; and we will not accept a settlement that imposes an admission or a non-monetary obligation on you without your consent. This indemnity does not apply to the extent a final judgment determines that the loss resulted from our fraud, wilful misconduct or gross negligence, or from another liability that applicable law does not permit us to exclude or transfer. This section survives termination of these Terms.

12. We are not an expert witness service

We provide information about what sources report. We do not provide opinions on whether a payment was made, whether a transfer was delayed, who is responsible for a delay, what a status code means for your dispute, or what any party should have done. We do not voluntarily provide statements, letters, declarations, reports or testimony for use in proceedings. If binding law or process requires records or testimony, section 11 governs.

Any guide, glossary, status-code explanation, statistic or report we publish is general information about payment messaging. It is not evidence about your transfer, not an opinion on your case, and not a representation made to any court or tribunal. Where a court or a party needs an opinion, they should instruct an independent expert.

13. Published statistics and reports

Where we publish statistics or reports about transfers observed through the Service, they describe groups of transfers over a stated period. They are descriptive. They are not a survey of the payments industry, not a measurement of any named institution's performance, and not a basis for asserting anything about any individual transfer, customer or institution. Cite them for what they are: observations from one information service, over one period, on one sample, with the methodology stated alongside. Beyond the published methodology note, we do not confirm, interpret or defend those figures in any proceeding.

14. Changes

We may update these Terms from time to time. Material changes will be notified by email or via the Service. Continued use after changes take effect constitutes acceptance.

15. Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter are governed by, and construed in accordance with, the laws of Portugal. The courts of Lisbon, Portugal shall have exclusive jurisdiction to settle any such dispute, without prejudice to any mandatory consumer-protection rights you have under the law of your country of residence.

16. Severability and entire agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and the Seller regarding the Service and supersede any prior agreements.

These Terms create rights between you and us only. No other person has any right to enforce them. Nothing in them limits the powers of any court or competent authority, or the rights of any person who is not a party to them.

17. Contact

Questions about these Terms: Sempre Relevante - Unipessoal Lda, trading as uetr.ai. Use our contact form. Our email address and registered postal address are on the legal notice.