Terms of Use
1. Agreement
The Rateo Currency Converter app (the "App") is published by Aleksandr Topchienko, an individual entrepreneur registered in Georgia ("we", "us"). Your license to use the App is governed by Apple's Licensed Application End User License Agreement (the "Standard EULA"). These Terms add details specific to the App. If these Terms conflict with the Standard EULA, the Standard EULA prevails. Apple is not responsible for the App or its content.
By downloading or using the App you accept the Standard EULA and these Terms. Our Privacy Policy explains how data is handled.
2. Exchange rates are for reference only
- Rates in the App are reference rates from public sources: the European Central Bank and other central banks, obtained through the open Frankfurter service. Cross rates between two non-euro currencies are calculated by the App.
- Sources publish rates once or a few times a day. Rates are not live market quotes and can be delayed, missing or revised by the source. The date of each rate is shown in the App.
- Without an internet connection, the App shows the last saved rates together with their date.
- A rate in the App is not an offer to exchange currency, not the rate of any bank, card or exchange office and not financial, investment, tax or legal advice.
- Always check the rate with the provider who carries out your transaction. Do not rely on the App for transactions, tax or accounting.
Euro foreign exchange reference rates are published by the European Central Bank for information purposes and are available free of charge on the ECB website.
3. Comparing with your rate
The App lets you enter a rate you were offered, or pick a preset, and shows the amount at that rate and the difference from the reference rate. This is arithmetic based on the numbers you enter. It does not show what a provider actually charges, which may include fees, margins and timing, and it is not a judgment about any bank, card issuer or exchange office. When the reference rate is out of date, the App does not show a difference.
4. Ads
The App is free and shows ads from Google AdMob. Ads are provided by third parties, and we are not responsible for their content or for products and services they promote. If an ad seems inappropriate, use the AdChoices icon on the ad to report it or contact us. Ad data handling is described in the Privacy Policy.
5. In-app purchases
Remove Ads
- "Remove Ads Forever" is a one-time, non-consumable in-app purchase. It is not a subscription and is not renewed.
- It removes all ads in the App for as long as the App is available, on every device signed in with the same Apple Account, and for members of your Family Sharing group.
- The price is shown in your local currency in the App before you confirm. Payment is charged to your Apple Account by Apple.
- After reinstalling the App or on a new device, tap Restore purchases in the App menu.
- The purchase does not change how exchange rates work. All conversion features are available with or without it.
Subscriptions
The App currently offers no subscription. If a subscription is added, its name, length, price and content will be shown in the App before purchase, and these terms apply:
- Payment is charged to your Apple Account when you confirm the purchase.
- The subscription renews automatically unless auto-renew is turned off 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 at the price shown at purchase, unless you were notified of a change.
- You can manage or cancel the subscription in your Apple Account settings after purchase. Cancelling stops the next renewal. The current period stays active until it ends.
Refunds
All payments are processed by Apple. We cannot issue refunds ourselves. To request a refund, use reportaproblem.apple.com. In the EU and UK your right of withdrawal is handled by Apple under the Apple Media Services Terms and Conditions.
6. Acceptable use
Do not use the App to break the law, to interfere with the services it relies on (for example by sending automated requests to the rate source) or to misrepresent rates from the App as an official quote of any institution.
7. Availability and changes
We may update, change or stop providing features of the App. Rates depend on third-party sources and may become unavailable. If we stop distributing the App, a completed Remove Ads purchase stays valid in the version you have installed.
8. Warranty and liability
The App is provided as described in the Standard EULA, which contains the warranty disclaimer and limitation of liability. Nothing in these Terms limits liability that cannot be limited by law, including your statutory rights as a consumer in your country of residence.
9. Governing law
These Terms are governed by the laws of Georgia, without prejudice to mandatory consumer protection rules of the country where you live. Where the Standard EULA sets a governing law, it applies to the license itself.
10. Changes to these Terms
We may update these Terms. The effective date at the top shows the latest version. Material changes will be announced in the App release notes.
11. Contact
Aleksandr TopchienkoAirport Highway 186, 7th Floor, Apartment 33, Batumi 6010, Georgia
eqlapps@gmail.com