Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Xchanger website, API, and dashboard (collectively, the “Service”). The Service is operated by Mango Labs LTDA (“Mango Labs”, “we”, “us”, or “our”). When you use the Service you are contracting with Mango Labs LTDA. By creating an account or by continuing to use the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

The Service

Xchanger provides live and historical currency and cryptocurrency exchange-rate data through a REST API, along with a dashboard for managing API keys and viewing usage. Exchange-rate data is provided for informational purposes only and should not be relied upon for trading, financial, or other decisions.

Xchanger is a read-only data service. It is not an exchange, broker, dealer, wallet, or money-services business. It does not facilitate, execute, or settle trades; does not exchange, convert, buy, or sell any currency or cryptocurrency; and does not hold, custody, or transmit any funds or crypto assets on behalf of any user. Any “convert” endpoint returns a calculated value derived from published reference rates and does not move money or assets.

Accounts

You are responsible for maintaining the confidentiality of your account credentials and API keys, and for all activity that occurs under your account. Notify us immediately if you believe an API key has been compromised. You must provide accurate information and be at least the age of majority in your jurisdiction to use the Service.

Acceptable use

You agree not to:

• Exceed the rate or usage limits applicable to your plan, or attempt to circumvent them.
• Share, resell, or expose your API keys to unauthorized parties.
• Use the Service for any unlawful purpose, or to violate any law or regulation.
• Use the Service for fraud, spam, or other deceptive or abusive activity.
• Infringe the intellectual property or other rights of Mango Labs or any third party.
• Interfere with or disrupt the security, integrity, or performance of the Service — including by transmitting malware, probing or scanning for vulnerabilities, scraping the website or dashboard, or attempting to gain unauthorized access to it.

Plans, billing, and Paddle

The Service offers a free plan and paid subscriptions with different usage limits, as described on our pricing page. Usage that exceeds your plan’s limits may be throttled or blocked.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders: it processes payments, issues invoices, and handles applicable sales taxes such as VAT. Payment, billing frequency, renewal, cancellation, taxes, and invoicing for paid subscriptions are governed by Paddle’s Buyer Terms, which you accept at checkout.

Paid subscriptions are billed monthly or annually, as you choose at checkout, and renew automatically at the end of each billing period until canceled. You can cancel at any time from the Billing page of your dashboard (“Manage subscription”); cancellation takes effect at the end of the period you have already paid for. Refunds are handled as described in our Refund Policy.

Intellectual property

The Service, including its software, design, and documentation, is owned by Mango Labs and protected by applicable laws. These Terms do not grant you any right to our trademarks or branding. Subject to these Terms, you may use the data returned by the API within your own applications.

Disclaimer of warranties

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that exchange-rate data will be accurate, complete, or timely.

Limitation of liability

To the maximum extent permitted by law, Mango Labs will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Service. Our total liability for any claim will not exceed the amount you paid us in the twelve months preceding the claim.

Suspension and termination

You may stop using the Service at any time. We may suspend or terminate your access, or your API keys, if:

• you materially breach these Terms;
• a payment for a paid plan fails and is not recovered, in which case your account reverts to the free plan;
• your use poses a security or fraud risk to the Service, to us, or to other users; or
• you repeatedly or seriously violate our policies.

Upon termination, your right to use the Service ceases immediately.

Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

Governing law

These Terms are governed by the laws of the Federative Republic of Brazil, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts of the Comarca de Belo Horizonte, State of Minas Gerais, Brazil.

Contact us

The Service is operated by Mango Labs LTDA, enrolled under CNPJ 39.718.566/0001-99, with its registered office at R. São João Evangelista, 656, Belo Horizonte – MG, 30330-140, Brazil.

If you have questions about these Terms, contact us at hello@xchangerapi.com.