1. Nature of Our Service

PaperPlane is an independent financial information aggregator and comparison platform. We provide tools to help users compare foreign exchange rates, travel cards, and international payment routes.

• We are not a bank: PaperPlane is not a financial institution, registered forex dealer, financial advisor, or payment gateway.
• No transaction processing: We do not hold user funds, process credit or debit card applications, or execute currency exchange transactions directly.

2. Accuracy of Information and Rates

The financial markets and currency exchange rates are highly volatile and change constantly.

• Rates are indicative: All exchange rates, markup fees, savings estimates, and total yield calculations displayed on PaperPlane are estimates provided for informational and comparison purposes only.
• No rate guarantees: Final exchange rates and fees are determined solely by the third-party vendor at the exact time of your transaction. PaperPlane is not liable for any discrepancies between the estimated rates shown on our platform and the final rates applied by vendors.

3. Third-Party Links and Products

Our platform contains links to third-party websites, banks, and forex providers.

• Independent agreements: When you click "Apply for this card" or "Get USD Now," you are leaving PaperPlane. Any contract or agreement for a financial product is solely between you and that specific institution.
• No liability for third parties: We do not control the application processes, approval criteria, or customer service of our partners. PaperPlane is not responsible for rejected applications, unexpected fees charged by partner banks, or any issues arising from your use of a third-party service.

4. General Travel and Financial Advice

PaperPlane provides contextual travel tips, such as destination-specific cash requirements and ATM fee warnings, to assist with your planning.

• Information is general: These tips are based on publicly available information at the time of publication and are meant as general guidance, not binding legal or financial advice.
• User responsibility: Immigration rules, visa requirements, and local banking fees can change without notice. You are solely responsible for verifying all official requirements and fees directly with the relevant embassies, immigration authorities, and banks before you travel. PaperPlane is not liable for denied entry, travel disruptions, or unexpected costs.

5. User Conduct and Intellectual Property

We grant you a limited, non-exclusive right to use PaperPlane for your personal, non-commercial travel planning.

• Prohibited actions: You may not scrape data from our website, attempt to interfere with our platform's security, or use our services for any illegal activities.
• Our property: The PaperPlane name, logo, design, text, and proprietary route-optimization algorithms are the intellectual property of PaperPlane. You may not copy or reproduce them without our explicit permission.

6. Limitation of Liability

To the maximum extent permitted by law, PaperPlane and its team shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of our platform. This includes, but is not limited to, financial losses due to currency fluctuations, third-party fees, or travel disruptions based on information obtained from our site.

7. Changes to These Terms

We reserve the right to modify or update these Terms of Service at any time. Any changes will be effective immediately upon posting to this page. Your continued use of PaperPlane after changes are posted constitutes your acceptance of the revised terms.