Last updated: September 28, 2026
These terms govern your use of PAYATE Rates (rates.payate.com), including its price tools, calculators and articles. By using the website, you agree to these terms. If you do not agree, please do not use the site.
1. What the service is
PAYATE Rates is a free information website. We display indicative prices from third-party data providers, offer calculators and converters, and publish educational articles. We do not buy, sell, exchange or hold currencies, precious metals or crypto assets, and we do not provide brokerage, payment or advisory services.
2. No advice
Content on the site is general information, not financial, investment, tax or legal advice. You are responsible for your own decisions. Please read our disclaimer.
3. Accuracy and availability
Prices are indicative and may be delayed or differ from prices offered by financial institutions and dealers. Data comes from third parties that may change, fail or stop their services. We may change, suspend or discontinue any part of the site at any time without notice. The site is provided "as is" and "as available".
4. Acceptable use
You agree not to:
- use the site for any unlawful, fraudulent or harmful purpose;
- scrape, harvest or bulk-download prices or content by automated means, or place excessive load on the site;
- attempt to gain unauthorized access to the site, its hosting or connected services, or interfere with their security;
- copy our content for publication elsewhere without permission, or present it as your own;
- click on advertisements artificially or encourage others to do so.
5. Intellectual property
Articles, page text, design and original graphics on this site belong to PAYATE unless otherwise stated. You may share links to our pages and quote short extracts with a clear credit and link back to the original page. Price data remains subject to the terms of the providers credited on each tool. Trademarks mentioned on the site belong to their respective owners.
6. Third-party links and advertising
The site contains links to third-party websites and shows advertisements, including ads served by Google AdSense. We are not responsible for third-party content, products, services or privacy practices. Any dealings you have with advertisers are between you and them.
7. Limitation of liability
To the fullest extent permitted by law, PAYATE, its team and partners are not liable for any direct, indirect, incidental or consequential loss arising from your use of, or inability to use, the site or from reliance on any price, calculation or content on it. Nothing in these terms limits liability that cannot be limited under applicable law, including consumer rights you may have where you live.
8. Privacy
How we handle data is described in our privacy policy and cookie policy.
9. Changes to these terms
We may update these terms from time to time. The date at the top shows the latest version. Continuing to use the site after changes means you accept the updated terms.
10. Contact
Questions about these terms? Please use our contact page.