Terms of Service – Exrate

1. Acceptance of Terms

These Terms of Service, including the End User License Agreement (EULA) contained in them (together, "Terms"), form a binding agreement between you and Emre Balli (AssetBox) ("we", "us") regarding the Exrate application (published in the app stores under localized names such as "Currency Converter: Offline", hereinafter "the App"). By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the App.

2. Description of Service

Exrate is a currency converter and exchange rate tracker. It displays indicative rates and prices for fiat currencies, gold and other precious metals, and cryptocurrencies, and offers features such as single, multiple, and many-to-one conversion, rate history charts, a personal portfolio tracker, an economic calendar, notifications, and an offline mode that uses the most recently downloaded rates. Features may differ between platforms, versions, and the free and Premium tiers.

3. Informational Purposes Only – No Financial Advice

IMPORTANT: The App is provided for general informational and convenience purposes only. Nothing in the App constitutes financial, investment, trading, tax, accounting, or legal advice, or a recommendation or solicitation to buy, sell, or hold any currency, precious metal, cryptocurrency, or other asset.

• We are not a bank, exchange office, broker, payment institution, or investment adviser, and we are not licensed or supervised by any financial authority. The App does not execute transactions, hold funds or assets, or exchange money.
• Rates shown are indicative reference values, typically mid-market or reference prices. The rates actually offered by banks, exchange offices, card issuers, payment providers, and trading platforms usually differ and may include spreads, commissions, and fees that the App does not reflect.
• The App is not designed or suitable for trading, arbitrage, accounting, invoicing, tax calculation, customs declarations, or any other purpose where exact or real-time rates are required.
• You must always confirm the applicable rate and all costs with your financial institution or counterparty before entering into any transaction.
• You are solely responsible for all decisions you make, and for their consequences, whether or not you used the App.

4. Data Accuracy, Timeliness, and Availability

Rates, prices, rate history, currency names, flags, and economic calendar entries are supplied by third-party providers that are not affiliated with us, such as Truncgil Finans, the European Central Bank through Frankfurter, CoinGecko, and Forex Factory / Fair Economy. Accordingly:

• We do not guarantee the accuracy, completeness, reliability, or timeliness of any information in the App. Data may contain errors, may be delayed, and may be corrected or withdrawn by its provider at any time.
• The App applies automated plausibility checks to some data, but such checks cannot detect every error and do not constitute verification.
• In offline mode, or when a data source is unavailable, the App shows the most recently stored values, which may be significantly out of date. Always check when the data was last updated.
• Cryptocurrency and precious metal markets are highly volatile, and prices may change substantially within short periods.
• Economic calendar dates, times, forecasts, and figures may change, and time zone conversions may be approximate.
• A data source may be discontinued, restricted, or changed without notice, and individual currencies, assets, or features may consequently become unavailable.

5. Portfolio Feature

The portfolio feature lets you record holdings you enter manually and shows an estimated value based on the rates in the App. It does not connect to any bank, wallet, or exchange account, and the values shown are estimates only that may not reflect the amount you would receive on sale or exchange. Portfolio data is stored only on your device; we do not back it up and cannot recover it if it is lost. You are responsible for keeping your own records.

6. Notifications

Notifications are provided for convenience only. We do not guarantee that any notification will be delivered, delivered on time, or be accurate, and you must not rely on notifications for time-sensitive or financial decisions.

7. Premium, Subscriptions, and Purchases

The App offers optional Premium access, which may include removal of ads, an unlimited portfolio, rate history charts, unlimited converter lists, and additional decimal places. Premium may be offered as weekly, monthly, or yearly auto-renewable subscriptions, or as a one-time Lifetime purchase. Purchases are processed by Apple or Google and managed through RevenueCat.

• Prices are shown in the App and in the store before purchase and may vary by country and change over time. Applicable taxes are determined by the store.
• Subscriptions renew automatically at the end of each period unless canceled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the current period.
• Where a free trial is offered to eligible new subscribers, the subscription starts and is charged automatically when the trial ends unless canceled at least 24 hours before it ends. Any unused portion of a free trial is forfeited when you purchase a subscription.
• You can manage or cancel subscriptions in your App Store or Google Play account settings. Deleting the App does not cancel a subscription.
• "Lifetime" means access to the Premium features included in the Lifetime product for as long as we continue to offer and support the App on your platform; it does not refer to your lifetime and does not guarantee that the App or any particular feature will remain available forever.
• Purchases are linked to your store account. You can restore them on a supported device signed in to the same store account using "Restore purchases".
• All payments and refunds are handled by Apple or Google under their respective policies; we cannot issue refunds directly. Except where required by law, payments are non-refundable and no refunds or credits are given for partially used periods.
• We may change the features included in Premium, provided that such changes do not materially reduce a paid subscription period already in progress, except where required by law, by a data provider, or by an app store.

8. Rewarded Premium Access

The App may allow you to obtain temporary Premium access, currently for 24 hours, by watching a rewarded advertisement. This access is a free promotional benefit; it has no monetary value, cannot be transferred or exchanged for money, and depends on the availability of ads, which we do not control. We may change the duration, availability, or conditions of this benefit, or discontinue it, at any time, and we may revoke access obtained through fraud, automation, or manipulation.

9. Advertising

The free version of the App displays third-party advertisements served by Google AdMob. We do not control, endorse, or take responsibility for the content, accuracy, or practices of advertisers, or for any website, product, or service you access through an ad. Any dealings with advertisers are solely between you and the advertiser.

10. Acceptable Use

You agree to use the App only for lawful, personal purposes and not to:

• Copy, scrape, harvest, or systematically extract data from the App, or use the App or its data to build or supply a competing service or data feed.
• Use bots, scripts, emulators, or other automated means to interact with the App, its ads, or its rewarded features, or otherwise manipulate ads or purchases.
• Interfere with, disrupt, overload, or attempt to gain unauthorized access to the App, our servers, or the services of our providers.
• Use the App in violation of any applicable law, including sanctions, foreign exchange, and consumer protection laws.

11. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the App, its features, and all information in it are provided "as is" and "as available", with all faults and without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement. We do not warrant that the App will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the App will be compatible with your device or operating system. No advice or information obtained from us or through the App creates any warranty not expressly stated in these Terms.

12. Limitation of Liability

To the fullest extent permitted by applicable law, neither we nor our licensors or service providers shall be liable for any damages arising out of or in connection with your use of, or inability to use, the App or any information in it, including but not limited to:

• Losses arising from currency exchange, trading, investment, purchase, sale, payment, travel, pricing, invoicing, accounting, or tax decisions, or from any transaction carried out at a rate different from the one shown in the App.
• Losses or harm resulting from inaccurate, incomplete, outdated, delayed, or unavailable rates, prices, calendar entries, or other information, or from undelivered or late notifications.
• Loss of portfolio data, settings, or other data stored on your device.
• Errors, interruptions, or the discontinuation of third-party data sources, app stores, or other services.
• Any indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, revenue, savings, data, or goodwill, even if we have been advised of the possibility of such damages.

Where liability cannot be fully excluded under applicable law, our total aggregate liability for all claims relating to the App shall not exceed the amount you paid us for the App in the twelve (12) months preceding the event giving rise to the claim or, if you made no payment, the minimum amount permitted by law. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, such as liability for death or personal injury caused by gross negligence or for intentional misconduct.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Emre Balli, AssetBox, and their licensors and service providers from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or related to your misuse of the App, your violation of these Terms, or your violation of any law or the rights of any third party.

14. Third-Party Services and Content

The App relies on third-party services, including Apple, Google (Firebase Analytics, Firebase Crashlytics, and AdMob), RevenueCat, Expo, and the data providers named in section 4. Your use of the App may also be subject to their terms and policies. We are not responsible for the acts, omissions, availability, or content of third parties. Exrate is not affiliated with, endorsed by, or sponsored by any central bank, the European Central Bank, any financial institution, any cryptocurrency project or exchange, or any of the data providers mentioned.

15. Intellectual Property

The App, including its design, code, text, graphics, and the Exrate name and logo, is owned by Emre Balli (AssetBox) or its licensors and is protected by intellectual property laws. Currency names and codes, country flags, cryptocurrency names and logos, and other third-party names and marks belong to their respective owners and are used for identification purposes only, without implying any affiliation or endorsement. Data supplied by third-party providers remains subject to their rights and terms.

16. End User License Agreement (EULA)

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on devices that you own or control, for personal, non-commercial purposes, as permitted by the usage rules of the store from which you obtained it. This license:

• Does not transfer to you any ownership of the App or its content; all rights not expressly granted are reserved.
• Prohibits copying, modifying, translating, distributing, selling, renting, leasing, lending, or sublicensing the App or any part of it.
• Prohibits reverse engineering, decompiling, disassembling, or attempting to extract the source code of the App, except to the extent such restriction is prohibited by law.
• Prohibits removing or altering any proprietary notices and circumventing any technical or purchase restrictions.
• Terminates automatically if you breach these Terms, whereupon you must stop using and delete the App.

17. Additional Terms for Apple Devices

If you obtained the App from the Apple App Store, the following also applies. These Terms are concluded between you and us only, not with Apple Inc. ("Apple"), and we, not Apple, are solely responsible for the App and its content. Your use of the App must comply with the App Store Terms of Service, and where these Terms are less protective of us or of Apple than Apple's Licensed Application End User License Agreement (Standard EULA), the Standard EULA applies to the extent of that difference.

• Apple has no obligation to provide any maintenance or support services for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, of the App; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
• We, not Apple, are responsible for addressing any claims by you or a third party relating to the App or your possession and use of it, including product liability claims, claims that the App fails to conform to any legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
• In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement, and discharge of that claim.
• You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

18. Changes, Suspension, and Termination

We may, at our sole discretion and at any time, modify, update, suspend, limit, or discontinue the App or any of its features, data sources, or supported currencies, in whole or in part, temporarily or permanently, and may cease distributing or supporting the App in any store or region, with or without notice. We may suspend or terminate your access to the App if you violate these Terms. To the extent permitted by law, we will not be liable to you or any third party for any such modification, suspension, or discontinuation. Sections that by their nature should survive termination, including sections 3, 4, 11, 12, 13, 15, and 20, survive.

19. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the effective date at the top of this page and, for material changes, provide reasonable notice where required by law. Your continued use of the App after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the App. The current version is always available at https://asset-box.com/terms/exrate.

20. Governing Law and Disputes

These Terms are governed by the laws of the Republic of Türkiye, without regard to conflict-of-law principles. Subject to any mandatory rules of jurisdiction, the courts and enforcement offices of Türkiye have jurisdiction over any dispute arising out of or relating to these Terms or the App. If you are a consumer, nothing in these Terms deprives you of the protection of mandatory provisions of the law of your country of residence, or of your right to bring proceedings before the courts or consumer authorities competent under that law.

21. General

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App. If any provision is held invalid or unenforceable, it shall be enforced to the maximum extent permitted and the remaining provisions remain in full force. Our failure to enforce any right or provision is not a waiver of it. You may not assign your rights under these Terms; we may assign ours in connection with a transfer of the App. Where these Terms are made available in multiple languages, the English version prevails in case of any inconsistency, to the extent permitted by law.

22. Contact

For questions regarding these Terms, please contact us at exrate@asset-box.com. Publisher: Emre Balli (AssetBox), https://asset-box.com.