Welcome to Rates.lk ("we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our currency exchange platform and services. By accessing or using our services, you agree to be bound by these Terms.

Rates.lk operates as an independent payment agent platform providing currency exchange services in Sri Lanka. We facilitate transactions between users and various payment methods. Our services are provided on an "as is" and "as available" basis.

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of Sri Lanka
• Possess a valid National Identity Card (NIC)
• Provide accurate and complete registration information
• Not be prohibited from using our services under applicable laws

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorised account access
• Accept responsibility for all activities under your account

We may require identity verification before processing transactions. This may include submitting copies of identification documents, proof of address, and other information as deemed necessary to comply with regulatory requirements and prevent fraud.

• Exchange rates are subject to market fluctuations and may change without notice
• Minimum and maximum transaction limits apply
• Processing times may vary based on payment methods and verification status
• We reserve the right to refuse or cancel any transaction at our discretion
• All transactions are final once processed, subject to our refund policy

Our fee structure is transparent and displayed before you confirm any transaction. Fees may include service charges, processing fees, and third-party payment provider fees. We reserve the right to modify our fee structure with prior notice.

You agree not to:

• Use our services for any illegal or unauthorised purpose
• Engage in fraudulent activities or money laundering
• Provide false or misleading information
• Attempt to circumvent our security measures
• Use automated systems to access our services without authorisation
• Interfere with or disrupt our services or servers

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our services, you consent to our data practices as described in the Privacy Policy.

To the maximum extent permitted by law, Rates.lk shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from your use of, or inability to use, our services.

Any disputes arising from these Terms or your use of our services shall be resolved through good-faith negotiations. If negotiations fail, disputes shall be subject to the exclusive jurisdiction of the courts of Sri Lanka.

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through our platform. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

We may suspend or terminate your account and access to our services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

For questions about these Terms, please contact us:

• Email: desk@rates.lk
• WhatsApp: +94 77 705 4000
• Website: https://rates.lk