Terms of service

The agreement

By creating an account, calling the API or buying a top-up, you agree to these terms. If you are accepting them for an organisation, you confirm you are authorised to do so. If you do not agree, do not use the service.

What the service is

Fiat Agent publishes foreign exchange reference data through a REST API, and provides a web rate desk that reads the same data. Rates are indicative reference values for display, pricing and reporting. They are not a quote you can trade on, and nothing here is financial, investment or tax advice. For any transaction where a rate error would be costly, verify the figure against your counterparty or bank before acting on it.

Accounts and API keys

• You must give accurate registration details and keep them current.
• You are responsible for everything done with your keys. Keep them out of client-side code, public repositories and shared configuration.
• Create one account per person or organisation. Sharing an account to pool allowances across separate parties is not permitted.
• Tell us promptly if you believe a key has been exposed. Revoking it in the rate desk takes effect on the next request.

Acceptable use

The service may be used in commercial and non-commercial products, including applications you charge for. The following are not permitted:

• Attempting to bypass, disable or artificially spread requests to evade the published limits on the public endpoint.
• Reselling or redistributing the API itself, or a substantially similar currency feed derived from it, as a competing data service.
• Scraping, mirroring or bulk-harvesting beyond the requests included in your signup bonus or bought for your account.
• Using the service unlawfully, to commit fraud, or in a way that damages it or the data provider it depends on.
• Presenting the data as originating from anyone other than Fiat Agent, or removing required attribution where one is stated.

Limits and fair use

The published limits for each access level are part of these terms. The public endpoint is rate-limited per client. A keyed call is capped per key on request rate, and its volume is bounded by the account's request balance, which begins with a signup bonus when the account is created and is shared by every key it makes. A call refused by a rate window draws nothing from that balance. Top-ups add to the same balance, and neither the bonus nor any top-up ever expires. We may adjust limits, and will publish the new values here and in the API reference before they take effect.

Fees and payment

Accounts are free. Top-ups are one-time purchases in US dollars, paid through PayPal. There is no subscription and no automatic renewal. A top-up is credited to the account balance when payment clears, and it does not expire.

Prices are shown before you confirm a purchase. You are responsible for any taxes that apply to you, other than taxes on our own income. Refunds are governed by the refund policy.

Availability and changes

We work to keep the service available and fast, but it is provided on a best-effort basis with no guaranteed uptime or service level unless a separate written agreement says otherwise. Maintenance, upstream provider failures and events outside our control can interrupt it.

Within a published API version, fields are not renamed or removed; new fields may be added at any time, and clients should ignore what they do not use. A breaking change ships as a new version path.

Intellectual property

Fiat Agent, its name, its mark, the design of the site and the compilation of the data are ours. You receive a non-exclusive, non-transferable right to use the API responses inside your own products for as long as your account is in good standing. You keep everything you build.

Rights reserved

Every right in the service that is not expressly granted to you in these terms is reserved. Nothing in these terms transfers ownership of any part of the service to you, and no licence is implied by the publication of the documentation, the sample code or the data itself.

You may not copy, modify, translate, distribute, sell, sublicense, reverse engineer, decompile or create derivative works from the service, its source code, its documentation or its compiled data, except as these terms allow or as applicable law expressly permits. Where the law grants you a right that cannot be excluded, that right is unaffected; where a restriction here is unenforceable in your jurisdiction, the remaining restrictions continue to apply.

The Fiat Agent name, wordmark and coin mark may not be used in a way that suggests endorsement, partnership, sponsorship or affiliation without prior written permission, and the marks may not be used in advertising, in a product name, or as a metatag or keyword to draw traffic.

Disclaimer

The service and the data are provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy or non-infringement. Currency markets move, providers revise their figures, and a published reading can be corrected or delayed. Verify before you rely on it.

Limitation of liability

To the extent the law allows, Fiat Agent is not liable for indirect, incidental, special or consequential losses, or for lost profits, revenue, data or goodwill. Our total liability for any claim relating to the service is limited to the amount you paid us in the three months before the event giving rise to it. Nothing here excludes liability that cannot lawfully be excluded.

Suspension and termination

You may stop using the service at any time and ask us to close your account. We may suspend or close an account that breaches these terms, that is used to attack the service, or where we are required to by law. Where a suspension is not for a serious breach, we give notice and a chance to fix the problem first.

These terms are enforced on the evidence available and applied consistently across accounts. Where a breach has a measurable cost — requests deliberately routed around the published limits, or data mirrored and resold, for example — we may revoke the keys involved, refuse further unkeyed requests from the same source, reverse credited requests obtained through the breach, and recover the cost of the excess. Suspension does not cancel a debt owed, and it does not limit any other remedy available to us.

Where the breach is continuing or threatens the service itself, access may be stopped immediately and without prior notice.

Governing law

These terms are governed by the laws applicable at the operator's principal place of business, without regard to conflict-of-law rules. Before starting formal proceedings, both sides agree to try to resolve a dispute informally by writing to each other.

Notices and contact

Notices about these terms, a purchase, a refund or the closure of an account go to duplexinterface@outlook.com. Fiat Agent is created and operated solely by Gurutva Murdia.

Notices to you are sent to the email address registered to your account and are treated as received on the day they are sent. Keep that address current: if mail to it starts bouncing, we may suspend the account until we can reach you.

Changes to these terms

We may revise these terms as the product evolves. The current version is always published here with its date. Material changes are announced to account holders by email at least 14 days before they apply.