Terms of Service

1. Acceptance of Terms

By accessing and using CurrencyFX Online ("the Service", "our platform", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and CurrencyFX Online, a financial technology company providing currency exchange rate information and related services.

We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms of Service.

2. Description of Service

CurrencyFX Online provides real-time currency exchange rate information, currency conversion calculators, historical exchange rate data, and related financial information services. Our platform aggregates data from multiple authoritative sources to provide accurate and timely currency information.

The Service includes but is not limited to:

• Real-time currency exchange rates for major and minor currency pairs
• Interactive currency conversion calculators
• Historical exchange rate data and charts
• Market analysis and currency trend information
• API access for developers and businesses
• Educational content about foreign exchange markets

We do not provide actual currency exchange services, money transfer services, or act as a financial intermediary. Our service is informational in nature and designed to assist users in making informed decisions about currency-related matters.

3. User Eligibility and Registration

To use certain features of our Service, you may be required to register for an account. You must be at least 18 years of age to register for an account or use our services. By registering, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• All information you provide is accurate, current, and complete
• You will maintain the accuracy of such information
• You are not prohibited from using our services under applicable law

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Acceptable Use Policy

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

• In any way that violates any applicable federal, state, local, or international law or regulation
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service
• To attempt to gain unauthorized access to any portion of the Service or any other systems or networks
• To use any automated system, including robots, spiders, or scrapers, to access the Service
• To transmit any viruses, worms, defects, Trojan horses, or other malicious code
• To interfere with or disrupt the Service or servers or networks connected to the Service
• To impersonate any person or entity or falsely state or misrepresent your affiliation
• For any commercial purpose without our express written consent

5. Data Accuracy and Disclaimers

While we strive to provide accurate and up-to-date currency exchange rate information, we cannot guarantee the accuracy, completeness, or timeliness of the data provided through our Service. Exchange rates are subject to constant fluctuation and may vary between different sources.

The information provided on our platform is for informational purposes only and should not be considered as financial advice, investment advice, or a recommendation to engage in any particular transaction. Users should verify exchange rates with their financial institutions before making any financial decisions.

We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of CurrencyExchange Pro and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

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 Service, except as permitted by applicable law or as expressly authorized by these Terms.

Any feedback, comments, or suggestions you provide regarding our Service may be used by us without any obligation to compensate you for such use.

7. API Usage Terms

If you access our API services, additional terms apply:

• API access is subject to rate limits and usage quotas as specified in your service plan
• You must include proper attribution when displaying data obtained through our API
• You may not resell or redistribute API data without explicit written permission
• API keys must be kept confidential and not shared with unauthorized parties
• We reserve the right to suspend or terminate API access for violations of these terms

8. Payment Terms and Refunds

Certain features of our Service may require payment of fees. All fees are non-refundable unless otherwise specified or required by applicable law. We reserve the right to change our pricing at any time, with notice provided to existing subscribers.

If you fail to pay any fees when due, we may suspend or terminate your access to paid features of the Service. You remain responsible for any unpaid fees.

All payments are processed through secure third-party payment processors. We do not store your payment information on our servers.

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

10. Limitation of Liability

To the fullest extent permitted by applicable law, CurrencyFX Online shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

In no event shall our total liability to you for all damages exceed the amount you paid us in the twelve (12) months preceding the event giving rise to the liability, or one hundred dollars ($100), whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless CurrencyFX Online, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Service.

12. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to a breach of the Terms.

You may terminate your account at any time by contacting us or by ceasing to use the Service. Upon termination, your right to use the Service will cease immediately.

All provisions of the Terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms shall be interpreted and governed by the laws of the State of New York, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in New York, New York.

You hereby consent to the personal jurisdiction and venue of such courts and waive any objection to such jurisdiction or venue.

14. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be subject to good faith negotiations between the parties. If such negotiations fail to resolve the dispute within thirty (30) days, the dispute shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

The arbitration shall be conducted in New York, New York, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.

16. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.

17. Contact Information

If you have any questions about these Terms of Service, please contact us at: