Terms

JanoGroup LLC · Currency Exchange

Terms of Use

Effective date: October 10, 2026
Last updated: October 10, 2026

These Terms of Use ("Terms") govern your use of Currency Exchange and related support services (the "Service"), provided by JanoGroup LLC ("JanoGroup," "we," "us," or "our"), Washington, DC, USA. Contact: janogroupllc@gmail.com.

Important: Currency Exchange is an informational calculator, not a bank, broker, money-transfer service, or financial adviser. Rates and results may be delayed, cached, estimated, illustrative, or fallback values. Verify any rate independently before relying on it. Subscriptions renew automatically unless canceled through the store. Nothing in these Terms excludes rights or remedies that applicable law does not allow us to exclude.

1. Acceptance and eligibility

By accepting these Terms through the Service or using the Service after they have been made available to you, you agree to them to the extent applicable law recognizes that acceptance. If you do not agree, do not use the Service. Access does not constitute consent to optional personal-data processing.

You must have legal capacity to enter this agreement or use the Service with legally sufficient authorization and supervision from a parent or guardian. The Service is not directed to children under 13. Higher local age and parental-consent requirements apply. If you act for an organization, you represent that you have authority to bind it. Store-account eligibility and purchase rules also apply.

2. What the Service provides

The Service displays currency information, calculates approximate conversions, presents historical information, and offers favorites, local preferences, reminders, and copy/share features. Free and Premium availability may differ by version, store, region, and the offering presented. Some versions or offerings may require an active subscription for continued access; others allow limited ad-supported access. The offer shown before purchase describes the features being sold.

We do not hold or transfer funds, execute exchanges or trades, maintain bank or investment accounts, or guarantee a price at which a third party will transact. Buying Premium purchases app access, not currency or a financial product.

3. Rate accuracy and financial-use limitations

Rates come from external data services and may differ from bank, card-network, cash-exchange, brokerage, merchant, or settlement rates. Results may omit spreads, commissions, taxes, fees, minimums, rounding rules, capital controls, and other transaction conditions. Historical information is not a prediction of future prices.

Updates are not guaranteed to be real-time, continuous, complete, or accurate. Connectivity failures, unavailable currency pairs, stale caches, provider errors, and software limitations can lead to missing or substituted values. The app can use fallback values, including a default rate of 1.0 when a rate is unavailable; a displayed number is not assurance of a verified market quote. Decorative onboarding and promotional examples are illustrative.

Do not rely on the Service as the sole basis for a financial transaction, investment, accounting entry, tax filing, legal filing, compliance determination, or other consequential decision. Confirm applicable rates and costs with an authoritative source and obtain qualified professional advice where necessary. To the extent permitted by law, you remain responsible for your decisions and for checking copied or shared results. This provision does not excuse breaches of nonwaivable obligations owed by us.

4. License and intellectual property

Subject to these Terms and applicable store rules, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to install and use the Service on devices you own or control for lawful personal or internal business purposes. Family Sharing or other store-authorized use is allowed where supported by the applicable product and store rules. No ownership of the Service is transferred.

The Service's code, design, branding, and original content belong to JanoGroup or its licensors. Third-party data, flags, artwork, trademarks, and open-source components remain subject to their owners' rights and applicable licenses. These Terms do not restrict rights expressly granted by an applicable open-source license. Currency information is not licensed for unrestricted bulk extraction or redistribution merely because it is displayed in the app.

5. Acceptable use

You must not use the Service unlawfully; infringe others' rights; interfere with security or availability; introduce malicious code; fraudulently obtain access or manipulate subscriptions; bypass legitimate access controls; scrape or make automated excessive requests; resell the Service or redistribute protected content without authorization; or misrepresent estimates as guaranteed or executable quotes. You must not reverse engineer the Service except where applicable law permits notwithstanding this restriction.

We may reasonably restrict access to protect users, providers, or the Service from abuse or security risks, subject to applicable law. Restrictions do not automatically cancel store billing; subscription and refund rights remain governed by Section 8 and mandatory law.

6. Local settings, reminders, and exports

Preferences, favorites, and rate caches are primarily device-local. They may be lost through deletion, reinstall, operating-system changes, or device failure; no JanoGroup cloud backup or cross-device preference synchronization is promised. Store purchase restoration is separate from restoration of local data.

Local reminders depend on permissions, app and operating-system scheduling, power settings, connectivity, and available data. They are not guaranteed timely trade alerts, emergency communications, or advice. You are responsible for the recipients and destinations you select when sharing reports and for checking exported amounts, dates, and rates.

7. Third-party services and advertising

The Service depends on third-party exchange data and image delivery, Apple or Google services, RevenueCat, and, for ad-supported access, Google AdMob and participating providers. Availability and terms may change. Third parties control their own sites, stores, ads, and services. An advertisement or link is not our endorsement of the advertised product or its accuracy.

Premium removes in-app banner and interstitial ads while the entitlement is active. It does not remove operating-system or store communications, necessary subscription networking, or all service-provider data processing. The Privacy Policy explains these practices and choices.

8. Subscriptions, trials, billing, and refunds

Offers and payment authorization

Subscriptions are purchased through Apple App Store or Google Play. The selected offer and store confirmation show the applicable currency, price, billing period, eligibility, introductory terms, and renewal conditions. Taxes or store pricing rules may apply. No example price, trial length, or savings label in promotional material guarantees the offer available to your account.

By confirming a purchase, you authorize the store to charge the payment method associated with your account under the store's rules. We do not process payment-card details directly. Access is granted when the store and subscription verification service confirm an active entitlement; pending or unsuccessful payments may not unlock Premium.

Automatic renewal and cancellation

Subscriptions automatically renew for their stated billing period unless canceled under the applicable store's procedures before its renewal cutoff. For Apple subscriptions, cancel at least 24 hours before the current period ends to avoid the next renewal under Apple's rules. Google Play timing and charging rules are shown in your account and purchase terms. Manage subscriptions through your store account, not by uninstalling the app or sending us a cancellation email.

Cancellation generally stops future renewals rather than refunding an already-paid period; access normally continues through the current entitlement period, subject to store rules, refunds, revocation, and mandatory law. Trials may end immediately upon cancellation where the store's rules so provide. We cannot guarantee that an email sent to us will stop a store charge.

Free trials and introductory offers

Trials are offered only when available and you are eligible under the store's rules. Unless canceled before the applicable cutoff, a free trial converts to the paid subscription specified at purchase. An introductory paid phase, if offered, may precede the regular renewal price. Eligibility can depend on previous subscriptions, subscription groups, store account, region, and the selected purchase option. The store's final confirmation controls any discrepancy.

Savings, changes, and restoration

An annual-versus-weekly savings label compares the displayed annual price with 52 payments of the displayed weekly price in the same currency, rounded down. It is an arithmetic comparison, not a guarantee of past pricing, future prices, trial value, or typical user savings. It does not mean an annual subscription is charged weekly.

Price changes and subscription modifications are subject to store notice, consent, and cancellation rules and applicable law. Restore Purchases can recover eligible access using the relevant store account; restoration does not create a new free trial or transfer a purchase between unrelated Apple and Google accounts.

Refunds and consumer rights

Request refunds using the applicable store's refund process. Eligibility is determined under store policy and applicable law. Except where required by law or expressly offered, we do not promise prorated refunds for unused time. This is not a blanket "no refunds" rule and does not waive rights for defective, misdescribed, or undelivered services. Applicable withdrawal or cooling-off rights, including any legally required express consent to immediate supply and acknowledgment concerning withdrawal rights, are not removed merely by these Terms.

Apple subscription cancellation:
https://support.apple.com/118428

Apple refund requests:
https://support.apple.com/118223

Google Play subscription management:
https://support.google.com/googleplay/answer/7018481

Google Play refunds:
https://support.google.com/googleplay/answer/2479637

9. Privacy, permissions, and support

Our Privacy Policy describes local storage, subscriptions, advertising, network providers, permissions, and privacy rights. Permissions may affect features; declining optional permissions does not waive statutory rights. Device and network costs are your responsibility. You must protect your device and store credentials.

We may offer support by email but do not promise a particular response time, uninterrupted support, or resolution of problems outside our control unless separately agreed or required by law. We do not need passwords or full card details to provide ordinary support.

10. Feedback

If you voluntarily provide suggestions about the Service, you grant us a non-exclusive, worldwide, royalty-free license to use those suggestions to improve or develop products without compensation, to the extent you have the right to do so. This does not grant rights to your personal information beyond the Privacy Policy or transfer ownership of unrelated content. Do not submit confidential material you do not want considered for this purpose.

11. Changes, suspension, and termination

We may update, maintain, or change the Service, and may suspend or end access for material breach, abuse, security needs, legal requirements, or discontinuation. Where reasonably possible and required by law, we will provide notice and an opportunity to address a breach. We will not rely on this clause to avoid mandatory obligations concerning paid services, material reductions in purchased functionality, or refunds.

You may stop using the Service at any time. Cancel active subscriptions separately through the store. Provisions that by their nature should survive termination, including intellectual-property protections, accrued payment obligations, lawful liability limits, and dispute resolution, continue to apply.

12. Warranties and disclaimers

To the maximum extent permitted by applicable law, the Service and third-party data are provided "as is" and "as available." We disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and do not warrant uninterrupted or error-free operation, real-time or accurate rates, complete historical data, or any particular financial result.

These disclaimers do not exclude express commitments made at purchase or any statutory warranties, reasonable-care obligations, conformity requirements, or consumer remedies that cannot lawfully be excluded. Where a disclaimer is prohibited, it applies only to the extent permitted.

13. Limitation of liability

To the extent permitted by law, JanoGroup and its officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses, or lost profits, investment opportunities, anticipated savings, or data, arising from use of or inability to use the Service, including reliance on estimated, stale, or fallback rates.

To the extent permitted by law, our total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid for the Service in the 12 months preceding the event giving rise to the claim or (b) US$100.

Neither the exclusions nor the cap apply to fraud, fraudulent misrepresentation, willful misconduct, gross negligence where liability cannot be limited, death or personal injury caused by negligence where applicable law prohibits limitation, or any other liability or remedy that cannot lawfully be limited. They do not take away mandatory consumer or data-protection rights. If local law requires a different limitation, that law controls.

14. Responsibility for unlawful misuse

To the extent permitted by law, you agree to indemnify JanoGroup against third-party claims and reasonable resulting costs caused by your unlawful misuse of the Service or knowing infringement of third-party rights. This obligation applies only to the extent the claim is attributable to your conduct, not our negligence, misconduct, or breach, and does not impose an indemnity on a consumer where prohibited or unfair under applicable law.

We will provide prompt notice of a covered claim and a reasonable opportunity to participate in its defense. No settlement may impose an admission, payment, or continuing obligation on you without your consent, which may not be unreasonably withheld where law permits.

15. Disputes and governing law

We encourage you to contact janogroupllc@gmail.com with the subject "Currency Exchange dispute" and a description of the issue and requested resolution. We will try to resolve it informally. Informal discussions do not prevent urgent relief, a regulatory complaint, small-claims proceedings, or filing before an applicable legal deadline.

These Terms are governed by the laws of the District of Columbia, without regard to conflict-of-law rules, except where mandatory law provides otherwise. To the extent a forum agreement is lawful and enforceable, disputes will be heard in the state or federal courts located in or serving Washington, DC.

Consumers retain any mandatory right to the protection of their home jurisdiction's laws and to bring proceedings in a legally available local court. These Terms do not require binding arbitration or waive class-action rights. No contractual shortened claim deadline is imposed.

16. Apple App Store provisions

If you obtain the app through Apple's App Store, the following apply to the extent required by Apple's rules:

• This agreement is between you and JanoGroup, not Apple. JanoGroup, not Apple, is responsible for the app and its content.

• Your license is limited to Apple-branded products you own or control, under Apple's Usage Rules, including applicable Family Sharing or volume-purchase rules.

• Apple has no obligation to provide maintenance or support for the app.

• If the app fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price under its applicable rules. To the maximum extent permitted by law, Apple has no other warranty obligation; other claims attributable to a warranty failure are JanoGroup's responsibility.

• JanoGroup, not Apple, is responsible for applicable product-liability, legal/regulatory, consumer-protection, privacy, and intellectual-property claims concerning the app, subject to these Terms and mandatory law.

• You represent that you are not located in a country subject to a US government embargo or designated as terrorist-supporting and are not on a US government prohibited or restricted-party list, as required by Apple's rules.

• You must comply with applicable third-party agreements while using the app.

• Apple and its subsidiaries are third-party beneficiaries of these Apple-specific provisions and may enforce them.

If Apple's standard licensed application end-user license agreement applies to your download, or mandatory store terms conflict with these Terms, the applicable store license and mandatory rules control to the extent of that conflict. Listing these Terms on a website does not by itself register a custom EULA with Apple.

17. Google Play and export compliance

For Google Play downloads, Google's applicable store and payment terms also apply. JanoGroup, not Google, provides the Service except where Google's terms or mandatory law state otherwise. Mandatory store provisions control any conflict.

You must not access, export, re-export, or use the Service in violation of applicable export-control laws, sanctions, or trade restrictions. No provision authorizes activity prohibited by applicable law.

18. Events beyond reasonable control

To the extent permitted by law, we are not responsible for delay or interruption caused by events beyond our reasonable control, such as natural disasters, utility or network failures, government actions, war, provider outages, or changes in law. This does not excuse failures to take legally required precautions or eliminate nonwaivable remedies for undelivered paid services.

19. Updates to these Terms

We may revise these Terms for Service, business, provider, or legal changes. Revisions will display an updated date. We will provide appropriate notice of material changes and obtain acceptance where required. Changes do not retroactively remove accrued rights or replace required consent or store price-change approval. If you disagree with validly introduced new Terms, stop using the Service and cancel any future renewal through your store, subject to applicable rights concerning already-paid access.

20. General provisions and contact

These Terms, applicable purchase disclosures, and mandatory store rules form the agreement concerning use of the Service; the Privacy Policy explains personal-information handling and does not itself authorize optional processing. If a provision is invalid, the remainder continues to the extent lawful, without rewriting an unfair consumer term to evade statutory protections. Failure to enforce a provision is not a waiver.

You may not transfer this agreement except where store rules or law permit. We may transfer our rights and obligations in a reorganization, merger, or business transfer only in a way consistent with applicable law and without reducing mandatory protections. Except for the Apple provisions above and rights expressly required by law, these Terms create no third-party beneficiary rights.

JanoGroup LLC
Washington, DC, USA
Email: janogroupllc@gmail.com
Website: https://janogroupllc.com

Please do not send passwords, payment-card details, or unnecessary sensitive information by email.

Read the Privacy Policy