Terms of Service

1. Acceptance of Terms

Welcome to Live Exchange Rates ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website located at live-exchange-rates.com (the "Service") operated by Live Exchange Rates.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

Live Exchange Rates provides a free online currency conversion service that allows users to:

• Convert between different world currencies
• View daily updated exchange rates
• Access historical currency information
• Use currency conversion tools for personal reference

Our service is provided free of charge and is supported by advertising revenue.

3. User Responsibilities and Acceptable Use

Permitted Uses

You may use our Service for:

• Personal currency conversion calculations
• Educational and informational purposes
• Travel planning and budgeting
• General reference for exchange rates

Prohibited Uses

You agree NOT to use the Service for:

• Any unlawful purpose or to solicit others to perform unlawful acts
• Commercial trading or financial transactions without verification
• Violating any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Transmitting or procuring the sending of any advertising or promotional material not solicited
• Impersonating or attempting to impersonate the company, another user, or any other person or entity
• Using the Service in any manner that could disable, overburden, damage, or impair the site
• Attempting to gain unauthorized access to any portion of the Service
• Harvesting or collecting data from the Service through automated means

4. Exchange Rate Information and Disclaimers

Rate Accuracy and Updates

• Update Frequency: Exchange rates are updated up to 4 times daily
• Data Sources: Rates are obtained from third-party financial data providers
• Accuracy: While we strive for accuracy, rates may differ from actual bank or market rates
• Delays: Rates may not reflect real-time market conditions

Important Rate Disclaimers

• Exchange rates are provided for reference purposes only
• Actual rates offered by banks and financial institutions may vary significantly
• Rates do not include fees, commissions, or spreads that may be charged by financial institutions
• We do not guarantee the accuracy, completeness, or timeliness of exchange rate information
• Currency conversion calculations are estimates and should be verified before making financial decisions

5. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Live Exchange Rates 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.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes, subject to these Terms.

6. Advertising and Third-Party Content

Our Service may contain advertisements and links to third-party websites or services that are not owned or controlled by Live Exchange Rates.

Google AdSense

• We use Google AdSense to display advertisements
• Ad content is controlled by Google and advertisers, not by us
• We do not endorse or assume responsibility for advertised products or services
• Clicking on ads may redirect you to third-party websites

Third-Party Links

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such content, goods, or services.

7. Privacy and Data Collection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Key points regarding data:

• We collect usage data and analytics information
• We use cookies for functionality and advertising
• Third-party services may collect additional data
• You can control cookie preferences through our consent management tool

8. Disclaimers and Limitation of Liability

Service Availability

• We do not guarantee that the Service will be available at all times
• We may suspend or terminate the Service temporarily for maintenance
• We reserve the right to modify or discontinue the Service at any time

Limitation of Liability

To the fullest extent permitted by applicable law, Live Exchange Rates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Financial Losses

We specifically disclaim any liability for financial losses that may result from:

• Reliance on exchange rate information provided
• Inaccurate or delayed rate updates
• Currency conversion calculations
• Service interruptions or errors

9. Indemnification

You agree to defend, indemnify, and hold harmless Live Exchange Rates and 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.

10. Termination

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

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.

11. Age Restrictions

The Service is intended for users who are at least 13 years of age. If you are under 13, you may not use the Service. If you are between 13 and 18, you may only use the Service with parent or guardian permission.

12. International Users

The Service is operated from servers located in various countries. If you are accessing the Service from outside these jurisdictions, you are responsible for compliance with local laws.

Currency Regulations

Some countries have restrictions on currency conversion or foreign exchange activities. You are responsible for ensuring your use of the Service complies with all applicable local laws and regulations.

13. 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 try to provide at least 30 days' notice prior to any new terms taking effect.

Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

14. Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of the jurisdiction in which Live Exchange Rates operates, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms or your use of the Service will be resolved through:

1. Good faith negotiations between the parties
2. Mediation if negotiations fail
3. Binding arbitration if mediation is unsuccessful

15. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

16. Contact Information

17. Acknowledgment

By using Live Exchange Rates, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them. You also acknowledge that these Terms constitute the complete and exclusive agreement between us regarding your use of the Service.