Terms of Use for xlrate.ai

Last Updated: January 22, 2025

1. ACCEPTANCE OF TERMS

Welcome to xlrate.ai (“Platform,” “Service,” “we,” “us,” or “our”). These Terms of Use (“Terms,” “Agreement”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and xlrate.ai regarding your access to and use of our website, platform, services, and any related applications, features, or content (collectively, the “Services”).

BY ACCESSING OR USING xlrate.ai, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.

These Terms apply to all users of xlrate.ai, including visitors, registered users, and premium subscribers. If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. DESCRIPTION OF SERVICES

xlrate.ai is a comprehensive platform that provides data analysis, business intelligence, and related technological services. Our Services include but are not limited to:

Data Processing and Analytics: Advanced data analysis, visualization, and reporting capabilities
Business Intelligence Tools: Dashboard creation, data insights, and performance metrics
API Services: Programmatic access to our platform and data processing capabilities
Integration Services: Connectivity with third-party applications and data sources
Premium Features: Enhanced functionality available through subscription plans
Support Services: Customer assistance, documentation, and training resources

We reserve the right to modify, update, or discontinue any aspect of our Services at any time, with or without notice, though we will make reasonable efforts to communicate significant changes to our users.

3. USER ACCOUNTS AND REGISTRATION

3.1 Account Creation

To access certain features of xlrate.ai, you must create a user account by providing accurate, current, and complete information. You agree to:

Provide truthful and accurate registration information
Maintain and update your account information as necessary
Keep your login credentials secure and confidential
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized use or security breach

3.2 Account Responsibilities

You are solely responsible for:

All content and data uploaded to your account
Maintaining the confidentiality of your account credentials
All activities that occur under your account
Compliance with these Terms and applicable laws
Any charges incurred under your account

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for:

Violation of these Terms or our policies
Fraudulent, abusive, or illegal activities
Extended periods of inactivity
Non-payment of fees (for paid accounts)
Protection of our Services or other users

You may terminate your account at any time by contacting us at reachus@xlrate.ai or using the account settings interface.

4. ACCEPTABLE USE POLICY

4.1 Permitted Uses

You may use xlrate.ai for lawful business and personal purposes in accordance with these Terms. Permitted activities include:

Data analysis and visualization for legitimate business purposes
Integration with authorized third-party applications
Collaboration with team members and authorized users
Educational and research activities
Development and testing using our API services

4.2 Prohibited Uses

You agree NOT to use xlrate.ai for any of the following:

Illegal Activities:

Any unlawful purpose or in violation of applicable laws
Activities that violate intellectual property rights
Fraud, money laundering, or other financial crimes
Privacy violations or unauthorized data collection

Harmful Activities:

Uploading malware, viruses, or malicious code
Attempting to gain unauthorized access to our systems
Interfering with or disrupting our Services
Overloading our infrastructure through excessive requests

Content Violations:

Uploading illegal, offensive, or inappropriate content
Sharing false, misleading, or defamatory information
Violating third-party privacy or intellectual property rights
Distributing spam or unsolicited communications

Commercial Misuse:

Reselling or redistributing our Services without authorization
Using our Services to compete directly with xlrate.ai
Reverse engineering or copying our proprietary technology
Creating derivative works without permission

4.3 Enforcement

We reserve the right to investigate suspected violations and take appropriate action, including:

Warning users about policy violations
Suspending or restricting account access
Removing violating content or data
Terminating user accounts
Reporting illegal activities to law enforcement
Pursuing legal remedies

5. INTELLECTUAL PROPERTY RIGHTS

5.1 xlrate.ai Intellectual Property

xlrate.ai and all related content, features, and functionality are owned by us and are protected by copyright, trademark, and other intellectual property laws. This includes:

The xlrate.ai platform, software, and technology
Our proprietary algorithms and analytical tools
Website design, graphics, and user interface
Documentation, tutorials, and support materials
Trademarks, logos, and brand elements

You are granted a limited, non-exclusive, non-transferable license to use our Services in accordance with these Terms. This license does not grant you any ownership rights or the right to sublicense our intellectual property.

5.2 User Content

You retain ownership of any content, data, or materials you upload to xlrate.ai (“User Content”). However, by uploading User Content, you grant us:

A worldwide, non-exclusive license to use, store, and process your User Content
The right to provide our Services and perform necessary operations
Permission to make backup copies and ensure data security
The ability to comply with legal requirements and enforce our Terms

You represent and warrant that:

You own or have the necessary rights to your User Content
Your User Content does not violate any third-party rights
You have obtained all necessary permissions and consents
Your User Content complies with applicable laws and these Terms

5.3 Feedback and Suggestions

If you provide feedback, suggestions, or ideas about xlrate.ai, you grant us the right to use such feedback without restriction or compensation. We may incorporate your suggestions into our Services without obligation to you.

6. SUBSCRIPTION PLANS AND PAYMENT TERMS

6.1 Subscription Plans

xlrate.ai offers various subscription plans with different features and usage limits:

Free Plan: Basic access with limited features and usage
Premium Plans: Enhanced features, higher usage limits, and priority support
Enterprise Plans: Custom solutions with advanced features and dedicated support
API Plans: Specialized access for developers and integrations

Current pricing and plan details are available on our website and may be updated from time to time.

6.2 Payment Terms

For paid subscriptions:

Billing Cycles: Monthly or annual billing as selected during subscription
Payment Methods: Credit cards, debit cards, and other accepted payment methods
Automatic Renewal: Subscriptions renew automatically unless canceled
Price Changes: We may modify pricing with 30 days’ advance notice
Taxes: Users are responsible for applicable taxes and duties

6.3 Refunds and Cancellations

Cancellation: You may cancel your subscription at any time
Effective Date: Cancellations take effect at the end of the current billing period
Refunds: Generally, we do not provide refunds for partial billing periods
Exceptions: Refunds may be considered on a case-by-case basis for technical issues or service failures

6.4 Payment Failures

If payment fails:

We will attempt to charge your payment method multiple times
Your account may be suspended until payment is received
Continued non-payment may result in account termination
You remain responsible for any outstanding fees

7. DATA AND PRIVACY

7.1 Data Processing

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using xlrate.ai, you consent to our data practices as described in the Privacy Policy.

7.2 Data Security

We implement industry-standard security measures to protect your data, including:

Encryption of data in transit and at rest
Regular security assessments and monitoring
Access controls and authentication measures
Secure data centers and infrastructure
Incident response and breach notification procedures

7.3 Data Backup and Recovery

While we maintain backup systems, you are responsible for:

Maintaining your own backups of critical data
Ensuring data accuracy and completeness
Regular export of important information
Understanding that we cannot guarantee against all data loss scenarios

7.4 Data Retention

We retain your data in accordance with our Privacy Policy and applicable laws. Upon account termination, we may:

Retain data for a reasonable transition period
Delete data in accordance with our retention policies
Preserve data as required by legal obligations
Provide data export options where technically feasible

8. THIRD-PARTY INTEGRATIONS AND SERVICES

8.1 Third-Party Services

xlrate.ai may integrate with or provide access to third-party services, applications, or content. These integrations are provided for your convenience, but:

We do not control third-party services
Third-party services have their own terms and privacy policies
We are not responsible for third-party service performance or availability
You use third-party services at your own risk

8.2 API and Development Tools

If you use our API or development tools:

You must comply with our API documentation and guidelines
Usage may be subject to rate limits and quotas
We reserve the right to modify API functionality
You are responsible for maintaining your integrations

8.3 Data Sharing with Third Parties

When you connect third-party services:

You authorize data sharing as necessary for integration functionality
You are responsible for reviewing third-party privacy policies
We recommend limiting data sharing to what is necessary
You can revoke third-party access through your account settings

9. SERVICE AVAILABILITY AND PERFORMANCE

9.1 Service Availability

While we strive to maintain high availability, xlrate.ai is provided “as is” and we do not guarantee:

Uninterrupted service availability
Error-free operation
Compatibility with all systems or devices
Meeting specific performance requirements

9.2 Maintenance and Updates

We may perform maintenance, updates, or modifications to our Services, which may temporarily affect availability. We will make reasonable efforts to:

Schedule maintenance during low-usage periods
Provide advance notice when possible
Minimize service disruptions
Communicate significant changes to users

9.3 Support Services

We provide support through various channels:

Online documentation and tutorials
Email support for account-related issues
Priority support for premium subscribers
Community forums and knowledge base

Support availability and response times may vary based on your subscription plan and the nature of your inquiry.

10. DISCLAIMERS AND WARRANTIES

10.1 Service Disclaimers

xlrate.ai IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
WARRANTIES OF NON-INFRINGEMENT OR TITLE
WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE
WARRANTIES REGARDING ACCURACY, RELIABILITY, OR COMPLETENESS
WARRANTIES OF UNINTERRUPTED OR ERROR-FREE SERVICE

10.2 Data Accuracy

While we strive to provide accurate data processing and analysis:

We do not warrant the accuracy of data or results
Users are responsible for verifying data accuracy
We are not liable for decisions based on our Services
Results should be independently verified for critical applications

10.3 Third-Party Content

We are not responsible for the accuracy, completeness, or reliability of third-party content, integrations, or services accessed through our platform.

11. LIMITATION OF LIABILITY

11.1 Limitation Scope

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, xlrate.ai AND ITS AFFILIATES, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOST PROFITS, REVENUES, OR BUSINESS OPPORTUNITIES
DATA LOSS OR CORRUPTION
SERVICE INTERRUPTIONS OR UNAVAILABILITY
THIRD-PARTY ACTIONS OR CONTENT
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA

11.2 Damage Cap

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM
ONE HUNDRED DOLLARS ($100 USD)

11.3 Essential Purpose

These limitations apply even if we have been advised of the possibility of such damages and regardless of whether any remedy fails of its essential purpose.

11.4 Jurisdictional Variations

Some jurisdictions do not allow limitation of certain warranties or damages, so these limitations may not apply to you to the extent prohibited by applicable law.

12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless xlrate.ai, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from or related to:

Your use of the Services
Your violation of these Terms
Your User Content or data
Your violation of any third-party rights
Your violation of applicable laws or regulations
Any negligent or wrongful conduct by you

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.

13. GOVERNING LAW AND DISPUTE RESOLUTION

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. The Indian Contract Act, 1872, and other applicable Indian laws shall apply.

13.2 Jurisdiction

Any disputes arising from or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts in [Your City], India. You consent to personal jurisdiction in these courts and waive any objection to venue.

13.3 Dispute Resolution Process

Before filing any legal action, we encourage you to:

Direct Communication: Contact us at reachus@xlrate.ai to resolve disputes amicably
Negotiation Period: Allow 30 days for good-faith negotiations
Escalation: If unable to resolve, disputes may proceed to formal legal proceedings

13.4 Class Action Waiver

You agree that any disputes will be resolved on an individual basis and not as part of a class action, collective action, or representative proceeding.

14. FORCE MAJEURE

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to:

Natural disasters, pandemics, or public health emergencies
War, terrorism, or government actions
Internet or telecommunications failures
Third-party service provider outages
Labor disputes or strikes
Acts of God or other unforeseeable events

During force majeure events, we will make reasonable efforts to mitigate the impact and resume normal operations as soon as possible.

15. MODIFICATIONS TO TERMS

15.1 Right to Modify

We reserve the right to modify these Terms at any time. When we make material changes, we will:

Update the “Last Updated” date at the top of these Terms
Provide notice through our platform, email, or website
Allow a reasonable period for you to review the changes
Obtain your consent where required by applicable law

15.2 Acceptance of Changes

Your continued use of xlrate.ai after any modifications constitutes acceptance of the updated Terms. If you do not agree to the modifications, you must stop using our Services and may terminate your account.

15.3 Notification Methods

We may provide notice of changes through:

Email notifications to your registered email address
In-platform notifications or banners
Updates to our website or terms page
Other reasonable communication methods

16. TERMINATION

16.1 Termination by You

You may terminate your account and these Terms at any time by:

Using the account termination feature in your settings
Contacting us at reachus@xlrate.ai
Ceasing to use our Services

16.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice, if:

You violate these Terms or our policies
You engage in fraudulent or illegal activities
Your account remains inactive for an extended period
We discontinue the Services
Required by law or court order

16.3 Effect of Termination

Upon termination:

Your right to use the Services immediately ceases
We may delete your account and associated data
Outstanding payment obligations remain in effect
Provisions that should survive termination remain enforceable
You may request data export where technically feasible

16.4 Survival

The following provisions survive termination: intellectual property rights, payment obligations, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

17. GENERAL PROVISIONS

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and xlrate.ai regarding the Services and supersede all prior agreements and understandings.

17.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be replaced with a valid provision that most closely reflects the original intent.

17.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative.

17.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms and your account to any affiliate or successor entity without restriction.

17.5 No Third-Party Beneficiaries

These Terms are for the benefit of the parties only and do not create any third-party beneficiary rights.

17.6 Headings

The headings in these Terms are for convenience only and do not affect the interpretation of any provision.

17.7 Electronic Communications

You consent to receive communications from us electronically, including agreements, notices, and disclosures. Electronic communications satisfy any legal requirement for written communications.

18. COMPLIANCE AND REGULATORY MATTERS

18.1 Export Controls

Our Services may be subject to export control laws and regulations. You agree to comply with all applicable export control laws and not to export, re-export, or transfer our Services or technology to prohibited countries or persons.

18.2 Data Localization

Where required by applicable law, we will ensure that personal data is stored and processed in accordance with local data localization requirements.

18.3 Industry Compliance

If you operate in a regulated industry, you are responsible for ensuring that your use of xlrate.ai complies with applicable industry regulations and standards.

19. ACCESSIBILITY

We are committed to making xlrate.ai accessible to users with disabilities. If you encounter accessibility barriers while using our Services, please contact us at reachus@xlrate.ai so we can work to address your concerns.

20. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms of Use, please contact us:

Email: reachus@xlrate.ai
Subject Line: Terms of Use Inquiry

Legal Department: reachus@xlrate.ai

Mailing Address:
xlrate.ai Legal Team

Monimo LLP, FLOOR-2,PLOT-264/265, VASWANI CHAMBERS, Dr Annie Besant Road,Cabin HD-524, Worli

Business Hours: 9 AM IST to 6 PM IST

We will respond to your inquiry within a reasonable timeframe, typically within 5-7 business days for non-urgent matters.

These Terms of Use are effective as of the date listed above and govern your use of xlrate.ai from that date forward. By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

For the most current version of these Terms, please visit: [Your website URL]/terms