Welcome to itCurrencyExchange (“we,” “our,” or “us”). These Terms and Conditions govern your use of our website, services, and platform. By accessing or using our services, you agree to comply with these terms. If you do not agree, please do not use our services.

1. Definitions

• "Website" refers to  itCurrencyExchange.com.
• "User" refers to any person who accesses or uses our services.
• "Exchange Services" refers to the buying, selling, and conversion of foreign currencies provided by us.

2. Eligibility

By using our website, you confirm that:

• You are at least 18 years old.
• You have the legal capacity to enter into agreements.
• You are not using our services for any illegal activities.

3. Services

• We provide real-time currency exchange services in Pakistan.
• Rates are subject to change based on market fluctuations.
• Transactions may be subject to verification and compliance checks.

4. Account Registration

• To use our services, you may be required to create an account.
• You must provide accurate and complete information.
• You are responsible for maintaining the security of your account credentials.

5. Exchange Rates & Transactions

• Exchange rates are determined based on market conditions and may change without notice.
• We reserve the right to cancel or refuse transactions suspected of fraud or illegal activity.
• Transaction processing times may vary depending on the payment method used.

6. Fees & Charges

• Any applicable fees will be clearly displayed before completing a transaction.
• You agree to pay all fees and charges associated with currency exchange transactions.

7. Compliance & Verification

• We comply with local and international financial regulations, including Anti-Money Laundering (AML) and Know Your Customer (KYC) policies.
• We may request identification documents for verification purposes.

8. Prohibited Activities

You agree NOT to use our website for:

• Fraudulent transactions or money laundering.
• Unlawful activities under Pakistani law.
• Violating the rights of others or engaging in abusive behavior.

9. Limitation of Liability

• We strive to provide accurate exchange rates and services, but we do not guarantee uninterrupted service.
• We are not responsible for losses due to market fluctuations, third-party errors, or system downtime.

10. Refunds & Cancellations

• Transactions cannot be reversed once completed.
• Refunds are only provided in cases of service errors or unauthorized transactions.

11. Privacy Policy

• Your personal data is collected, stored, and processed per our Privacy Policy.
• We do not sell or share your data with third parties except as required by law.

12. Changes to Terms

We may update these Terms and Conditions from time to time. Continued use of our website means you accept any changes.

13. Governing Law & Dispute Resolution

• These terms are governed by the laws of Pakistan.
• Any disputes shall be resolved through arbitration or the courts of Pakistan.

14. Contact Information

If you have any questions about these Terms and Conditions, contact us at:

📧 Email: support@itCurrencyExchange.com
📍 Address: Pakistan