Terms of Service

1. Agreement to Terms

By accessing and using AfriRate ("Site"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

AfriRate is operated by AfriRate ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website located at afrirate.io and all related services (collectively, the "Service").

2. Description of Service

AfriRate is a comparison platform that provides information about money transfer services from the United Kingdom to Nigeria and other African countries. Our Service includes:

• Real-time exchange rate comparisons
• Fee comparisons across multiple money transfer providers
• Delivery time estimates
• Links to third-party money transfer services

Important: AfriRate is a comparison and information service only. We do not process money transfers, handle funds, or provide financial services directly.

4. Rate Information and Accuracy

4.1 Indicative Rates Only

The exchange rates, fees, and delivery times displayed on AfriRate are indicative and for comparison purposes only. Actual rates may vary and are subject to change without notice.

4.2 No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or timeliness of the rates displayed. Rates may differ from those shown when you actually make a transfer.

4.3 Verify Before Transferring

ALWAYS verify the exact exchange rate, fees, and terms directly with the money transfer provider before completing any transaction. The provider's website is the authoritative source for current rates and fees.

5. User Responsibilities

By using AfriRate, you agree to:

• Use the Service only for lawful purposes
• Not attempt to scrape, copy, or duplicate our data without permission
• Not use the Service in any way that could damage, disable, or impair our servers
• Verify all information with the actual money transfer provider before making financial decisions
• Comply with all applicable laws and regulations regarding money transfers
• Not hold AfriRate responsible for transactions made with third-party providers

6. Third-Party Services and Links

Our Service contains links to third-party money transfer providers. When you click these links and use their services:

• You leave our Site and are subject to the third party's terms and conditions
• We are not responsible for the content, privacy policies, or practices of any third-party sites
• We do not endorse or make any representations about third-party providers
• Any transactions are solely between you and the third-party provider
• We cannot and do not guarantee the performance of third-party services

7. Limitation of Liability

To the maximum extent permitted by law:

• AfriRate is provided "as is" without warranties of any kind
• We are not liable for any losses resulting from your use of the Service
• We are not responsible for errors, inaccuracies, or omissions in rate information
• We are not liable for any losses from transactions with third-party providers
• Our liability shall not exceed the amount you paid to use our Service (which is currently £0)

You acknowledge that you use third-party money transfer services at your own risk.

8. Not Financial Advice

The information provided on AfriRate is for informational and comparison purposes only and should not be construed as financial advice. We are not financial advisors and do not provide investment, tax, or legal advice. Always consult with qualified professionals for financial decisions.

9. Intellectual Property

The Service and its original content, features, and functionality are owned by AfriRate and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our express written permission.

10. Changes to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

14. 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.

15. Contact Us

If you have any questions about these Terms of Service, please contact us: