**Terms and Conditions**

Welcome to the Koala Rate Analytics website. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you must not use this website.

**1. Acceptance of Terms**

These Terms and Conditions constitute a legally binding agreement between you and Koala Rate Analytics, located at 12 Waratah Place, Suite 3, Sydney, New South Wales, 2000, Австралия. Your access to and use of this website is conditional upon your acceptance of and compliance with these Terms and Conditions.

**2. Description of Services**

Koala Rate Analytics provides financial technology services, including real-time exchange rate data, foreign exchange solutions, data analytics, API integration, and custom reporting. The information and services provided on this website are intended for informational purposes only and do not constitute financial advice.

**3. Intellectual Property**

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Koala Rate Analytics or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on this website without the prior written consent of Koala Rate Analytics.

**4. Use of Website**

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the website.

**5. Disclaimer of Warranties**

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Koala Rate Analytics disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Koala Rate Analytics does not warrant that this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

**6. Limitation of Liability**

In no event shall Koala Rate Analytics be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of this website or the content contained herein, whether based on contract, tort, strict liability, or otherwise, even if Koala Rate Analytics has been advised of the possibility of such damages.

**7. Indemnification**

You agree to indemnify and hold harmless Koala Rate Analytics, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of this website.

**8. Governing Law**

These Terms and Conditions shall be governed by and construed in accordance with the laws of New South Wales, Австралия, without regard to its conflict of law provisions.

**9. Changes to Terms and Conditions**

Koala Rate Analytics reserves the right to modify these Terms and Conditions at any time without prior notice. Your continued use of this website after any such changes constitutes your acceptance of the new Terms and Conditions.

**10. Contact Information**

If you have any questions about these Terms and Conditions, please contact Koala Rate Analytics at 12 Waratah Place, Suite 3, Sydney, New South Wales, 2000, Австралия. Phone: +61 2 9123 4567.

**11. Entire Agreement**

These Terms and Conditions constitute the entire agreement between you and Koala Rate Analytics with respect to your use of this website.

**12. Severability**

If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

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