Terms of Service

Effective Date: October 1, 2025
Last Updated: October 1, 2025

1. Acceptance of Terms

By accessing or using Transfer Charges ("we," "our," "us") at www.transfercharges.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use our Service.

2. Description of Service

Transfer Charges provides:

• Real-time cryptocurrency transaction fee data
• Banking transfer fee information
• Fee comparison calculators
• Historical fee charts and trends
• General information about blockchain and banking costs

3. Disclaimer of Financial Advice

4. Data Accuracy Disclaimer

4.1 Cryptocurrency Data

• Updated every 2-5 minutes from third-party APIs
• May experience delays or inaccuracies
• Subject to API provider limitations
• Should be verified before transactions

4.2 Banking Fee Data

• Updated manually approximately every 2-4 weeks
• May not reflect current fees
• Represents typical ranges only
• Does not include all possible fees

4.3 No Warranty

We provide data "AS IS" without warranty of accuracy, completeness, or timeliness.

5. Acceptable Use

You agree NOT to:

• Use our Service for illegal purposes
• Attempt to access restricted areas
• Interfere with Service operation
• Scrape data without permission
• Misrepresent data as your own
• Use data for misleading purposes
• Violate third-party rights
• Transmit malicious code

6. Intellectual Property

6.1 Our Content

All content on Transfer Charges (except third-party data) is owned by us and protected by copyright laws.

6.2 Third-Party Data

Blockchain and pricing data belongs to respective providers:

• Etherscan, Cardanoscan, and other blockchain explorers
• Cryptocurrency exchanges and aggregators
• Banking institutions

6.3 Limited License

You may use our Service for personal, non-commercial purposes only.

7. Limitation of Liability

7.1 No Liability For:

• Financial losses from decisions based on our data
• Inaccurate or outdated information
• Service interruptions or downtime
• Third-party API failures
• Lost profits or opportunities
• Indirect or consequential damages

7.2 Maximum Liability

Our total liability shall not exceed $100 USD or the amount paid to us (if any) in the past 12 months.

8. Indemnification

You agree to indemnify and hold harmless Transfer Charges, its operators, and affiliates from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Decisions made based on our data

9. Third-Party Services

9.1 External Links

We may link to third-party websites. We are not responsible for their content or practices.

9.2 API Providers

Our data comes from third parties. We do not control their accuracy or availability.

9.3 Advertising

Future advertising may be displayed. Advertisers are responsible for their content.

10. Privacy

Your use of our Service is subject to our Privacy Policy, available at www.transfercharges.com/privacy

11. Modifications to Service

We reserve the right to:

• Modify or discontinue any feature
• Change data sources or update frequencies
• Implement usage limits
• Introduce paid features

Changes will be effective immediately unless otherwise stated.

12. Termination

We may terminate or suspend access to our Service immediately, without prior notice, for:

• Violation of these Terms
• Illegal or harmful activity
• Request by law enforcement
• Extended periods of inactivity
• Technical or security issues

13. Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles. Any disputes shall be resolved in the courts of [Your Jurisdiction].

14. Dispute Resolution

14.1 Informal Resolution

Before filing a claim, contact us at legal@transfercharges.com to resolve disputes informally.

14.2 Arbitration

If informal resolution fails, disputes shall be settled by binding arbitration under [Arbitration Rules].

14.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to class action proceedings.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and Transfer Charges regarding the Service.

17. No Waiver

Our failure to enforce any provision shall not constitute a waiver of that provision.

18. Assignment

You may not assign these Terms without our written consent. We may assign our rights to any successor.

19. Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

20. Contact Information

For questions about these Terms:

Email: legal@transfercharges.com
Website: www.transfercharges.com/contact

21. Changes to Terms

We may update these Terms at any time. Material changes will be notified via website notice. Continued use after changes constitutes acceptance.

By using Transfer Charges, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.