Terms of Service

Last updated: Apr 10, 2025

1. Introduction

Welcome to Exchange Rate Management ("we," "our," "us", or the "Company"). By accessing or using our website, services, applications, APIs, or widgets (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not access or use our Services.

2. Account Registration

To use certain features of our Services, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

3. Subscription and Payments

We offer both free and paid subscription plans. By subscribing to a paid plan, you agree to pay all fees in accordance with the billing terms in effect at the time. Subscription fees are non-refundable except as required by law or as explicitly stated in these Terms. We reserve the right to change our prices at any time, with notice provided at least 30 days in advance for existing subscribers.

We use Stripe for payment processing. Your payment information is subject to Stripe's privacy policy and terms of service. You agree to provide us with accurate and complete billing information, including full name, address, state, postal code, telephone number, and valid payment method information.

Auto-renewal: Subscriptions will automatically renew at the end of each billing period unless canceled by you at least 24 hours before the end of the current period. You may cancel your subscription at any time through your customer portal.

4. Use of Services

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Services in any way that violates applicable laws or regulations
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services
  • Use the Services to transmit or facilitate the transmission of unsolicited or unauthorized advertising or promotional material
  • Copy, modify, distribute, sell, or lease any part of our Services without our express permission
  • Reverse engineer, decompile, or attempt to extract the source code of our software
  • Use our Services in a manner that could disable, overburden, damage, or impair the Services
  • Use any robot, spider, or other automatic device to access or use the Services

5. Exchange Rate Data

Our Services provide exchange rate data and conversion tools. While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of exchange rate data. The exchange rates provided are for informational purposes only and should not be relied upon for financial transactions requiring precise accuracy.

You acknowledge that exchange rates fluctuate and that there may be differences between the rates displayed through our Services and rates offered by financial institutions or other services. We are not responsible for any discrepancies or financial losses resulting from the use of our exchange rate data.

6. Service Limitations and Modifications

We strive to provide uninterrupted Services, but we do not guarantee that our Services will be available at all times. We reserve the right to modify, suspend, or discontinue any part of our Services at any time, with or without notice to you.

Free tier users may be subject to usage limitations, including but not limited to the number of API calls, supported currencies, and update frequency. These limitations are described in our service documentation and may be modified at our discretion.

7. Embedded Widgets and API Usage

If you use our embeddable widgets or APIs, you agree not to:

  • Modify or obscure any attribution or branding within our widgets
  • Use our API or widgets in a manner that exceeds rate limits or constitutes excessive or abusive usage
  • Cache or store our exchange rate data for longer than 24 hours
  • Present our exchange rate data in a way that is misleading or inaccurate
  • Use our widgets or API on websites that contain illegal content, promote illegal activities, or violate third-party rights

We reserve the right to restrict or revoke your access to our API or widgets at any time for any reason, including but not limited to violation of these Terms.

8. Data Usage and Privacy

Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and disclose information about you. By using our Services, you consent to our collection, use, and disclosure of information as described in our Privacy Policy.

You retain all rights to any data you input into our Service. You grant us a non-exclusive, worldwide, royalty-free license to use, copy, transmit, store, and back-up your data for the purpose of providing the Services to you and for improving our Services.

9. Intellectual Property Rights

The Services and their contents, features, and functionality are owned by us, our licensors, or other providers and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services without our express prior written consent.

10. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Disclaimer of Warranties

THE SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, AND EXCHANGE RATE DATA ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AND FREEDOM FROM ERRORS.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12. Limitation of Liability

IN NO EVENT WILL WE, OUR AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, OR LOSS OF USE.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES IS LIMITED TO THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR $100 USD, WHICHEVER IS GREATER.

YOU SPECIFICALLY ACKNOWLEDGE THAT WE SHALL NOT BE LIABLE FOR ANY FINANCIAL DECISIONS OR ACTIONS TAKEN BY YOU BASED ON THE EXCHANGE RATE DATA PROVIDED THROUGH OUR SERVICES.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.

14. Dispute Resolution

Any dispute arising from or relating to these Terms or the Services will first be resolved through good-faith negotiations between the parties. If such negotiations fail, any controversy or claim shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place online or in the jurisdiction specified in the Governing Law section.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS AGAINST US.

15. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes to these Terms, we will notify you by email or by posting a notice on our website at least 14 days before the changes become effective. Your continued use of the Services after the effective date of such changes constitutes your acceptance of the modified Terms.

16. Governing Law

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of Delaware, United States, without regard to its conflict of law principles. You agree to submit to the personal and exclusive jurisdiction of the courts located within Delaware for the resolution of any disputes.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be struck from these Terms and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, our Privacy Policy, and any additional terms or policies referenced herein constitute the entire agreement between you and us regarding your use of the Services and supersede all prior agreements and understandings, whether written or oral.

19. Contact Information

If you have any questions about these Terms, please contact us at info@exchangerate.management.