Disclaimer

General Information Disclaimer

Global Currency Converter provides currency conversion tools and exchange rate information as a free public service. All information on this website is provided "as is" without any representations or warranties, express or implied.

No Financial Advice

WE ARE NOT FINANCIAL ADVISORS. The information provided on this website does not constitute financial, investment, trading, or professional advice of any kind. You should not rely solely on information from this website when making financial decisions.

We strongly recommend that you:

• Consult with a qualified financial advisor before making any financial decisions
• Seek professional advice regarding currency exchange, international money transfers, or forex trading
• Verify all exchange rates with your bank or financial institution before conducting transactions
• Understand the risks associated with currency fluctuations and international transactions

Exchange Rate Accuracy

Data Source Limitations

Exchange rates displayed on this website are sourced from third-party APIs (primarily ExchangeRate-API). We do NOT guarantee accuracy:

• Third-Party Dependency: We do not control, verify, or guarantee the accuracy of exchange rate data provided by third-party sources
• Update Frequency: Rates are updated approximately every 60 minutes. Currency markets operate 24/7, and rates can change significantly between updates
• Time Delays: There may be delays between real market movements and when rates are reflected on our website
• API Limitations: If our data provider experiences technical issues, rates may be outdated or unavailable

Mid-Market Rates vs. Actual Rates

The exchange rates shown on our website are mid-market rates (also called interbank rates). These are reference rates used by banks when trading with each other. You will NOT receive these rates when exchanging currency.

Actual rates you'll receive will be different:

• Banks: Typically add 3-7% markup plus fees
• Airport Exchange Kiosks: Often charge 10-15% above mid-market rates
• Hotels: May add 12-20% markup
• Credit Cards: Usually include 2-4% foreign transaction fees
• Online Transfer Services: Generally offer 0.5-3% markup (best rates)
• ATM Withdrawals: Vary widely; check with your bank

No Guarantee of Accuracy

We make NO guarantees regarding:

• The accuracy, completeness, or timeliness of exchange rates
• The availability of currency conversion services
• The performance or reliability of our website
• The suitability of information for any particular purpose

Not a Currency Exchange Service

IMPORTANT: We do NOT provide currency exchange services. We are an informational tool only. We do NOT:

• Buy or sell currencies
• Process money transfers
• Hold customer funds
• Facilitate financial transactions
• Operate as a money service business
• Provide forex trading services

To actually exchange currency or transfer money internationally, you must use a licensed financial institution, bank, money transfer service, or authorized currency exchange provider.

Limitation of Liability

USE AT YOUR OWN RISK. To the fullest extent permitted by law:

No Liability for Losses

We shall NOT be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to:

• Use of or inability to use our website or services
• Reliance on exchange rate information provided on this website
• Financial losses from currency transactions
• Errors, inaccuracies, or omissions in exchange rate data
• Delays or interruptions in service
• Loss of profits, revenue, or business opportunities
• Investment decisions made based on our information
• Third-party actions or data provider failures

Maximum Liability

Our maximum aggregate liability for all claims shall not exceed $0 (zero dollars), as this is a free service provided without charge.

No Warranty

This website and all information provided are on an "AS IS" and "AS AVAILABLE" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free operation
• Security of data transmission

Third-Party Services

External Data Providers

We use third-party services, including ExchangeRate-API for exchange rate data and Google Analytics for website analytics. We are not responsible for:

• The accuracy or reliability of third-party data
• Interruptions in third-party services
• Third-party privacy practices or data handling
• Changes to or discontinuation of third-party services

External Links

Our website may contain links to external websites. We do not endorse, verify, or assume responsibility for the content, accuracy, or practices of linked websites. Access third-party sites at your own risk.

Jurisdiction-Specific Disclaimers

United States

This service is not intended to provide advice regulated by federal or state securities laws, banking regulations, or financial advisory requirements. We are not registered as an investment advisor, broker-dealer, or money services business.

European Union

We are not a payment service provider under PSD2 regulations. We do not provide financial services subject to MiFID II or other EU financial regulations.

International Users

Exchange rate information may not comply with local financial regulations in all jurisdictions. Users are responsible for ensuring compliance with local laws regarding currency information and financial data.

Market Volatility Warning

Currency exchange rates are subject to significant volatility and can change rapidly due to:

• Economic data releases and indicators
• Central bank policy decisions and interest rate changes
• Political events and geopolitical tensions
• Market sentiment and speculation
• Natural disasters or global crises
• Trade policies and international relations

Rates displayed at the time of your visit may be significantly different within minutes or hours.

Verification Requirement

ALWAYS VERIFY: Before conducting any financial transaction involving currency exchange, you MUST:

• Verify current rates directly with your financial institution
• Understand all fees, markups, and charges that will apply
• Compare rates from multiple providers
• Read and understand all terms and conditions
• Consider timing and market conditions

Educational Purpose Only

Information on this website is provided for educational and informational purposes to help users:

• Understand basic currency conversion concepts
• Get a general sense of exchange rate levels
• Learn about different global currencies
• Compare approximate values across currencies

This information should be used as a starting point for research, not as the sole basis for financial decisions.

No Professional Relationship

Use of this website does NOT create any professional relationship, including:

• Financial advisor-client relationship
• Fiduciary duty or obligation
• Banking relationship
• Professional service agreement

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified disclaimer.

We recommend reviewing this page periodically for updates.

Indemnification

By using this website, you agree to indemnify and hold harmless Global Currency Converter, its operators, and affiliates from any claims, damages, losses, or expenses arising from:

• Your use of information from this website
• Financial decisions made based on our data
• Reliance on exchange rates displayed here
• Any violation of this disclaimer or our Terms of Service

Acceptance of Terms

By accessing or using Global Currency Converter, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you do not agree with any part of this disclaimer, you must not use this website.

Questions About This Disclaimer

If you have questions about this disclaimer, please review our Terms of Service and Privacy Policy for additional information about our service and policies.