Terms of Use

1. What Transfereta is, and who runs it

Transfereta (transfereta.com) is a free informational tool that estimates payment arrival times based on published payment-network rules: cutoff times, settlement windows, weekend and holiday calendars. This site is operated by Justas Jarmalavičius (sole proprietor / individuali veikla). Address: Jogailos g. 4B, Vilnius, LT-01116, Lithuania. VAT ID: LT100020563416. Contact: hello@plainforge.com. By using the site you accept these terms.

2. Estimates are informational only

Estimates are informed approximations, not guarantees, promises or advice. Actual arrival times depend on factors outside anyone's visibility: bank-specific processing, compliance reviews, intermediary institutions, technical incidents. Do not make financial commitments (contract deadlines, closing dates, debt payments) that depend on an estimate being exact. When timing is critical, confirm with the banks involved; only they can see your actual payment.

3. Not financial advice

Nothing on this site is financial, legal, or tax advice, and Transfereta is not a financial institution, payment service or money transmitter. We describe how payment systems behave; we don't recommend financial decisions.

4. Accuracy and updates

We work to keep network rules current (see the methodology), but payment schemes change limits, schedules and regulations. The site is provided "as is" without warranties of any kind, express or implied, including accuracy, availability or fitness for a particular purpose. If you spot an outdated rule, please report it.

5. Limitation of liability

To the maximum extent permitted by law, Transfereta and its operator are not liable for any loss or damage, whether direct, indirect, incidental or consequential, arising from use of the site or reliance on its estimates, including losses from payment timing, missed deadlines, fees or exchange-rate movements. Your sole remedy for dissatisfaction is to stop using the site (it's free, and we'll part as friends).

6. Acceptable use

Don't misrepresent Transfereta's estimates as bank confirmations or use the site in any unlawful scheme. You may link to any page and share estimate links freely. The site's code and content are © Transfereta; personal and educational use is welcome, wholesale republication is not.

7. Third-party links and partners

This site carries a paid partner link to a money-transfer service, Remitly, in five of our payment guides: SWIFT, wire transfers, SEPA, instant payments worldwide and transfer delays. If you use one and go on to send money, we may earn a commission at no additional cost to you. Each is marked "Partner link" at the point of use and carries rel="sponsored nofollow".

We name one transfer service and tell you to compare it against your own bank rather than treating it as the default. We are not paid to place it, and we do not accept payment to add another.

Partner links never appear inside the calculator, never influence an estimate, and never change which rail or service a guide describes. Free and neutral guidance is always presented above them. Our other outbound links (official scheme documentation, and our own tools holdeta.com and nodcc.com) are unpaid. We're not responsible for third-party content or services.

8. Your data

The site processes no personal data at the application level: no accounts, no cookies, no analytics, and your calculator inputs never leave your browser. The only processing connected to your visit is the hosting provider's standard server log. Details in the privacy policy.

9. Changes and contact

We may update these terms; the date above reflects the current version, and continued use means acceptance. Questions: hello@plainforge.com.