Terms & conditions

1. Acceptance of these terms

By accessing or using FxRateFlow (the "Service"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the Service.

2. Nature of the Service

FxRateFlow is a free informational tool that displays currency exchange rates and performs conversions based on publicly available mid-market rate data. The Service does not sell, buy, or exchange currency, does not process payments or money transfers, and is not a financial institution, broker, or advisor.

3. Accuracy of information

Exchange rates shown on the Service are mid-market reference rates sourced from third-party data providers and refreshed periodically. While we work to keep the data accurate and current, rates may be delayed, cached, or occasionally incorrect.

Rates offered by banks, card networks, and money transfer services include margins and fees and will differ from the rates shown here. Always confirm the final rate with your provider before making any transaction.

4. No financial advice

Nothing on the Service constitutes financial, investment, legal, or tax advice. Information is provided for general reference only. You are solely responsible for any decision you make based on information from the Service, and you should consult a qualified professional before making significant financial decisions.

5. Acceptable use

You agree not to misuse the Service, including but not limited to: attempting to disrupt or overload the Service, scraping data at abusive volumes, misrepresenting the Service's data as your own commercial product, or using the Service for any unlawful purpose.

6. Intellectual property

The design, text, and code of FxRateFlow are the property of the Service operator. Exchange rate data is derived from open data sources. You may reference and link to our pages freely; automated bulk reproduction of the site's content is not permitted without permission.

7. Limitation of liability

To the maximum extent permitted by law, FxRateFlow and its operator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Service, including losses resulting from decisions made based on displayed exchange rates, service interruptions, or data inaccuracies.

8. Privacy

The Service does not require registration to perform conversions. Theme preferences are stored locally in your browser. For full details on data collection, cookies, and your rights, see our dedicated Privacy Policy at /privacy.

9. Third-party links and data

The Service relies on third-party data sources and may link to external websites. We are not responsible for the content, availability, or accuracy of third-party services.

10. Changes to the Service and these terms

We may modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms & Conditions from time to time; the 'last updated' date at the top of this page reflects the latest revision. Continued use of the Service after changes constitutes acceptance of the revised terms.