Terms and Conditions

1. Introduction

Welcome to SG Money Changer ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our platform, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not use our services.

2. Definitions

• "Platform" refers to our website and all related services
• "User" refers to anyone who accesses or uses our Platform
• "Content" refers to all information, data, and materials on our Platform
• "Money Changer" refers to licensed currency exchange businesses listed on our Platform

3. Use of Service

3.1 Permitted Use

You may use our Platform to:

• Compare exchange rates from licensed money changers
• Find money changer locations and contact information
• Set up rate alerts for currency exchange notifications
• Access educational content about currency exchange

3.2 Prohibited Use

You must not:

• Use the Platform for any unlawful purpose or illegal activity
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the Platform's functionality
• Copy, reproduce, or redistribute our content without permission
• Use automated systems to access or scrape our data
• Submit false, misleading, or defamatory content

4. Exchange Rate Information

4.1 Information Accuracy

While we strive to provide accurate and up-to-date exchange rate information, we cannot guarantee:

• The accuracy, completeness, or timeliness of rate information
• That rates displayed will be available at the time of your transaction
• The availability of currencies or services from money changers

4.2 Rate Variations

Exchange rates are subject to market fluctuations and may change frequently. The rates displayed on our Platform are indicative only. Always confirm current rates directly with the money changer before conducting any transaction.

5. User Accounts

If you create an account or subscribe to our services:

• You are responsible for maintaining the security of your account credentials
• You must provide accurate and complete information
• You are responsible for all activities under your account
• You must notify us immediately of any unauthorized use

6. Third-Party Services

Our Platform may contain links to or information about third-party money changers and services. We do not endorse, warrant, or assume responsibility for:

• The quality, accuracy, or reliability of third-party services
• Any transactions conducted with money changers
• Disputes arising from third-party transactions
• The privacy practices of third-party websites

7. Intellectual Property

All content on our Platform, including but not limited to text, graphics, logos, images, and software, is our property or the property of our licensors and is protected by intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

8. Disclaimers

8.1 Service Availability

We provide our Platform "as is" and "as available." We do not guarantee uninterrupted or error-free service and may modify, suspend, or discontinue services at any time without notice.

8.2 Investment Advice

We do not provide financial, investment, or legal advice. Information on our Platform is for informational purposes only and should not be considered as professional advice.

8.3 Warranty Disclaimer

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Trading losses or investment losses
• Any damages arising from third-party transactions

Our total liability for any claims shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, and expenses arising from:

• Your use of our Platform
• Your violation of these Terms
• Your violation of any third-party rights
• Any transactions with money changers

11. Privacy

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. Please review our Privacy Policy to understand our practices.

12. Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our Platform and updating the "Last updated" date. Your continued use of our Platform after changes constitutes acceptance of the modified Terms.

13. Termination

We may terminate or suspend your access to our Platform at any time, with or without cause or notice, for conduct that we believe violates these Terms or is harmful to other users or our business interests.

Upon termination, your right to use the Platform will cease immediately, but the provisions regarding intellectual property, disclaimers, limitation of liability, and indemnification will survive.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of Singapore, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Platform shall be subject to the exclusive jurisdiction of the courts of Singapore.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.