Please read these Terms of Service ("Terms") carefully before using Trupari. By creating an account, accessing the service, or clicking "I agree" at sign-up, you accept these Terms in full. If you do not agree, do not use the service.

1. Who you are contracting with

The Trupari service is operated by Can Unlimited (ABN 42813703398), a sole-trader business registered in Australia, trading as "Trupari" ("we", "us", "Trupari"). Registered in Victoria, Australia. Contact and service of notices: [email protected]. Our registered business address is held on the Australian Business Register and is available on request to the same address.

Payments are processed by Paddle.com Market Limited as Merchant of Record. Your invoice and card statement will show Paddle as the seller. Paddle's separate terms apply to the payment transaction itself; ours apply to the use of the service.

2. What Trupari is - and what it is not

Trupari is a software-as-a-service tool that compares your published foreign-exchange rates against mid-market reference rates and customer-supplied peer rates. It is provided as a benchmarking and analytics tool.

3. Eligibility

• You must be at least 18 years old and have the legal capacity to form a binding contract.
• You must be using Trupari for a lawful business purpose. The service is offered to businesses (B2B) and is not intended for personal, household, or consumer use.
• You must not be located in, or use Trupari from, a country subject to comprehensive trade sanctions or embargoes (currently including but not limited to: Cuba, Iran, North Korea, Syria, the Crimea / Donetsk / Luhansk regions of Ukraine).
• You must not be on any government-restricted-party list (OFAC SDN, EU Consolidated, UK OFSI, AU DFAT).

4. Your account

• You must provide a valid email address and accurate account information, and keep it up to date.
• You are responsible for keeping your password, API keys, two-factor codes, and recovery codes confidential. You are responsible for all activity that occurs under your account.
• API keys are individual. Sharing, sub-licensing, or reselling your account or API keys is prohibited.
• You must notify us promptly at [email protected] if you suspect unauthorised access to your account.

5. Subscription, trial, billing

• New accounts may receive a free trial of defined length. After the trial expires, continued use requires an active paid subscription on a Starter, Pro, Enterprise, or Engine Access tier as published on our pricing page.
• Subscriptions auto-renew monthly until cancelled.
• Fees are charged in advance. Refunds, where offered, are governed by our Refund Policy.
• We may change subscription fees with at least 30 days' prior notice by email. Continued use after the notice period constitutes acceptance of the new fees.
• Prices are in US dollars (USD). Taxes (GST, VAT, sales tax) are handled by Paddle as Merchant of Record and calculated at checkout according to your location: depending on where you are, tax is either added to the listed price or included in it. The total you will be charged, and any tax within it, is shown at checkout before you pay.

6. Data, sources, and accuracy

• Mid-market reference rates are derived from attributed sources (FRED, the ECB, Wise, the BIS, treaty-fixed pegs, and open reference data). Those sources are combined by a priority chain, not averaged into a consensus, so any given corridor is normally resolved from a single source — which may be a provider that also appears as a peer in the same comparison. The method and the current source breakdown are published at trupari.com/methodology.html. Source data may be delayed and is subject to revision by the upstream provider. Most references are between minutes and one business day old, because central banks publish on a daily cycle and do not publish at weekends or on public holidays. We treat a reference as stale once its observation is more than three business days old, and where a benchmark is computed against a stale reference we label it as such in the dashboard, in Slack delivery, in the exported report and in any AI-written summary. A benchmark is only as current as the reference behind it, so we tell you which kind you are looking at rather than presenting both the same way.
• Peer-provider rates are entered manually by you, or retrieved through approved provider APIs where access rights are confirmed. Trupari does not scrape or redistribute third-party consumer-site rates.
• Benchmark snapshots, deviation calculations, and AI-generated plain-English summaries are indicative and provided "as is".
• Upstream source terms. Some of our reference data reaches us through third-party APIs whose own terms bind end users of any application built on them. In particular:
  • This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. By using Trupari, you agree to be bound by the FRED® API Terms of Use.
  • Open reference rates are provided by Exchange Rate API.
  • Some statistics are sourced from the Bank for International Settlements, which does not endorse this product.

7. No financial, legal, or tax advice

Nothing in the Trupari service constitutes, or is intended as:

• Investment, financial, trading, or hedging advice;
• A recommendation to buy, sell, hold, or refrain from transacting in any currency, instrument, or financial product;
• A solicitation or offer to enter into any transaction;
• Legal, tax, accounting, or regulatory advice;
• A substitute for your own due diligence or for advice from appropriately qualified professionals in your jurisdiction.

All pricing, hedging, and operational decisions you make based on Trupari output are your own. You are responsible for verifying data independently before acting on it.

8. No AML / KYC / sanctions screening

Trupari does not perform Anti-Money-Laundering, Know-Your-Customer, Counter-Terrorism-Financing, or sanctions screening on your counterparties, customers, or transactions. You remain solely responsible for compliance with all AML/CTF, sanctions, and financial-crime obligations applicable to your business.

9. Acceptable use

You must not, and must not permit others to:

• Reverse-engineer, decompile, or attempt to extract the source code of any part of the service;
• Circumvent or attempt to circumvent rate limits, authentication, or access controls;
• Use automated means to access the service other than via the published API and within published rate limits;
• Resell, redistribute, or republish Trupari-derived benchmarks as a standalone data product without our prior written permission;
• Use the service to harass, defame, or harm any third party, or for any unlawful purpose;
• Upload viruses, malware, or any code that is destructive or intended to disrupt the service;
• Submit data you do not have the right to submit, or data that infringes any third party's rights;
• Use Trupari output as evidence in regulatory filings, compliance attestations, audit reports, or court proceedings without our prior written permission.

10. Service availability

• We target high availability but do not commit to a specific uptime SLA on Starter or Pro plans. Enterprise customers may negotiate a separate written SLA.
• We may perform scheduled maintenance, which we will normally announce in advance, and unscheduled maintenance where required for security or stability.
• We may suspend or restrict your account if we reasonably believe you are in breach of these Terms or are exposing the service to risk. Unpaid subscription charges follow the 7-day failed-payment process in Section 18 and the Refund & Cancellation Policy, not this clause.

11. Customer data ownership

• You retain all rights, title, and interest in the data you submit to the service (your published rates, competitor entries, corridor configurations, etc.) ("Customer Data").
• You grant us a limited, worldwide, royalty-free licence to host, process, transmit, and display Customer Data solely as necessary to provide the service to you.
• We may produce aggregated and de-identified statistics derived from Customer Data (e.g., "median deviation across all USD/INR corridors") for analytics, benchmarking, and product improvement. Such aggregated data does not identify you and is not sold to third parties.

12. Intellectual property

Trupari and all related code, design, branding, and documentation are our exclusive property, protected by copyright, trademark, and other intellectual property laws. These Terms grant you a non-exclusive, non-transferable, revocable right to use the service for your internal business purposes only. No other rights are granted.

13. Confidentiality

Each party will treat the other's non-public business, technical, or financial information as confidential, use it only to perform under these Terms, and protect it with at least the same care it uses for its own confidential information (and no less than reasonable care).

14. Indemnification

You agree to indemnify, defend, and hold harmless Trupari and its operator(s), employees, contractors, and agents from any third-party claim, loss, damage, liability, cost, or expense (including reasonable legal fees) arising out of or relating to:

• Your use of the service in breach of these Terms;
• Customer Data you submit;
• Your violation of any law or any third party's rights;
• Pricing, hedging, transactional, or operational decisions you or your customers make based on Trupari output.

15. Disclaimers

To the maximum extent permitted by law, the service is provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or that the service will be uninterrupted, error-free, or secure.

See our Full Risk Disclaimer for detailed risk acknowledgements.

16. Limitation of liability

To the maximum extent permitted by law, in no event will Trupari be liable to you or any third party for:

• Any indirect, incidental, consequential, special, exemplary, or punitive damages;
• Loss of profits, revenue, customers, business opportunity, goodwill, or data;
• Trading losses, hedging losses, pricing-decision losses, regulatory penalties, fines, or compliance costs.

Our aggregate liability for all claims arising out of or related to these Terms or the service, however caused, will not exceed the greater of (a) the fees you paid to Paddle for the service in the 12 months immediately preceding the event giving rise to the claim, or (b) AUD 100.

17. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any right, guarantee, or remedy you may have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded. Where our liability for failure to comply with a consumer guarantee can be limited but not excluded, our liability is limited, at our option, to re-supplying the services or paying the cost of having them re-supplied.

18. Term and termination

• These Terms apply from the date you first accept them until terminated as set out below.
• You may cancel your subscription at any time from your account screen. Cancellation takes effect at the end of the current billing period.
• We may terminate or suspend your access immediately if you materially breach these Terms, or use the service in a way that exposes us or other users to material risk.
• Failed payment is handled differently and is never an immediate suspension. If a payment fails, you keep full access for 7 days from the first failed attempt while our payment provider retries. If payment still cannot be collected after that, the account becomes read-only — your corridors, competitors and saved history remain intact and visible. Updating your payment method restores full access immediately. This is the same process described in the Refund & Cancellation Policy, and the 7-day period is the one enforced by the service.
• On termination: your right to use the service ends; Sections 11 (Customer Data Ownership), 12 (IP), 13 (Confidentiality), 14 (Indemnification), 15 (Disclaimers), 16 (Limitation of Liability), 17 (ACL), 19 (Governing Law), and 20 (Dispute Resolution) survive.
• For 30 days after termination you may request export of your Customer Data. After that, we may delete it.

19. Governing law

These Terms are governed by the laws of Victoria, Australia. The parties submit to the exclusive jurisdiction of the courts of Victoria and the federal courts of Australia sitting in Melbourne for any dispute arising out of or in connection with these Terms, except that we may bring proceedings to enforce our intellectual property rights or to recover unpaid fees in any court of competent jurisdiction.

20. Dispute resolution

Before commencing any court proceeding, you agree to first contact [email protected] in writing and allow us 30 days to attempt good-faith resolution. The parties will cooperate in good faith during this period. This step does not apply to applications for urgent injunctive or equitable relief.

21. Force majeure

Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to: outages of upstream providers (Google Cloud, Cloudflare, Paddle, Supabase, FRED, ECB, Wise), natural disasters, pandemics, government action, war, terrorism, civil unrest, labour disputes, or internet failures.

22. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified by email to your account address at least 14 days before they take effect. Continued use of the service after the effective date constitutes acceptance.

23. General

• Entire agreement. These Terms, together with our Privacy Policy, Refund Policy, and Risk Disclaimer, are the entire agreement between you and us regarding the service and supersede any prior agreements.
• Severability. If any provision is held unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce any right is not a waiver of that right.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a sale of the business.
• Notices. We will give you notice by email to the address on your account. You may give us notice at [email protected].
• No agency. These Terms do not create any agency, partnership, joint venture, or employment relationship.
• Headings. Headings are for convenience only and do not affect interpretation.
• Language. The authoritative version of these Terms is the English-language version published at trupari.com.

24. Contact

Legal questions: [email protected]
Privacy: [email protected]
Security: [email protected]
General support: [email protected]