Terms of Use

Welcome to the thinmargin.com website. The website is operated by Exchange International Pte. Ltd. (collectively, "Exchange International", "we", "us", "our"), including all subpages (collectively referred to as the "Website"). Exchange International is licensed under the Payment Services Act 2019 to carry on a business of providing money-changing services. Exchange International is regulated by the Monetary Authority of Singapore (MAS) and is licensed to purchase and sell foreign currencies, including delivery. You may verify this here.

While Exchange International is licensed under the Payment Services Act 2019 to carry on a business of providing money-changing services, the Act does not require Exchange International  to duly deliver any currency purchased at such later time as may be agreed between Exchange International and you, or otherwise guarantee that any debt owing to you will be settled. You are advised to read the terms and conditions of our services carefully. 

Exchange International offers this Website, including, without any limitation, web applications, mobile applications, and any related services including notifications, alerts, electronic communications, delivery of products and services, and any information, data, or any other content or materials appearing or otherwise made accessible on or through the services (collectively referred to as the “Services”) from this Website to our users and customers (“you”, “your”), conditioned upon your acceptance of all terms, conditions, policies, and notices stated herein.

Please read these terms and conditions carefully. This Terms of Use govern your use and access of the Website, and the provision of Services by us. This Terms of Use shall be read together with Exchange International's Privacy Policy. By accessing or using the Website and any our Services, you are accepting the practices described in Exchange International’s Terms of Use and Privacy Policy and are deemed to have understood and given your consent to the terms of this Terms of Use and Privacy Policy. If you do not agree to Exchange International’s Terms of Use and Privacy Policy, please immediately discontinue your access and use of the Website and any of our Services. We reserve the right to make changes to this Terms of Use from time to time, and any changes will be posted on this page.

You may not obtain or attempt to obtain unauthorised access to password protected and/or secure areas of the Website and/or Exchange Internationals services, or to any other protected information, through any means not intentionally made available by Exchange International for your specific use. A breach of this provision may be an offence under the Computer Misuse Act (Chapter 50A) of Singapore.


1. Eligibility

You represent and warrant that if you are registering for an account or for our Services as an individual, you are 18 years of age or older, and that you are fully capable and competent to enter into and to comply with this Terms of Use. Individuals under the age of 18 may access and view the Website but may not order Services. We may require at any time that you provide evidence of your age. If you are not a consumer, you confirm that you have authority to bind any business or corporation on whose behalf you use our Website our services, and that business or corporation accepts these terms.

If you are below 18 years of age, you must obtain consent from your parent(s) or legal guardian(s), their acceptance of these Terms of Use and their agreement to take responsibility for your actions, any changes associated with your use of any of our services, and your acceptance and compliance with these Terms of Use. If you do not have consent from your parent(s) or legal guardian(s), please immediately discontinue your use of our services.

You must also meet all customer due diligence requirements imposed by Exchange International and all applicable laws.


​2. Products and Services

Exchange International operates an online store through the Website which offers our Services. We may temporarily or permanently remove any of our Services from the Website at any time, with or without notice to you. The Website contains information about, amongst other things, Exchange International and the product and/or services that we may offer currently and in the future.  As such, the information on the Website and/or provided by Exchange International in any correspondences are provided for informational purposes only. The information on the Website and/or provided by Exchange International should not be relied upon or used as the sole basis for making decisions without consulting other sources of information which may be primary and/or comparatively more complete and timely. Exchange International shall not be responsible or liable for any decisions made in reliance on the information contained in the Website.

​2.1 Orders

You agree that orders made by you are binding on you and cannot be cancelled after the submission of your order. Requests for refunds will not be met under any circumstances. The transaction will be processed and cannot be reversed. You agree that all orders shall be subjected to acceptance by Exchange International at our discretion. Processing of payment by Exchange International for an order shall not in itself constitute acceptance of the order by Exchange International. All orders made by you shall be deemed to be an offer made by you to purchase the selected Services and quantities set out in your order upon the acceptance of these Terms of Use. Exchange International shall be entitled to reject, terminate, cancel, or amend your order in whole or in part, for any reason whatsoever, even after an order is confirmed by, and paid for by you, with or without notice and we shall not be liable to any party for such termination or cancellation. Where an order is rejected, terminated, or cancelled by Exchange International, any payment made by you for the order shall be refunded by Exchange International. Exchange International reserves the right to limit your order or the quantity of your order.

Exchange International endeavours to provide you with accurate, up-to-date Services pricing and information. Errors will be corrected where discovered, and Exchange International reserves the right to revoke any stated offer and to correct any errors, inaccuracies, or omissions, including after an order has been submitted and paid for by you, and whether or not the order has been confirmed by Exchange International. If the actual price of our Services ordered by you is higher than that reflected on our Website, we will inform you and you will be given an option to confirm or cancel your purchase of our Services based on the updated price. If you choose to confirm your purchase, you will have to make additional payment to reflect the updated price. If you choose to cancel your purchase, we will refund the payment made by you. If we are unable to contact you, we will treat your order in respect of the incorrectly priced Services as cancelled. 

Payment for all Services shall be made in Singapore dollars only. We accept payment for Services by local internet banking transfer to our designated bank account. If you fail to pay any fees or charges when due or if a redelivery fee is imposed, Exchange International reserves the right to withhold the delivery of your ordered Services. You shall be responsible and liable for any fees, including attorneys' fees and collection costs that Exchange International may incur in our efforts to collect any unpaid balances from you. Your right to use Exchange International's Services is subject to limits established by Exchange International. 


​2.2 Deliveries

Delivery timeslots are subject to availability. Exchange International will endeavour to deliver to your delivery address within the delivery timeslot selected by you. However, we do not and cannot guarantee that the delivery timeslots will be met as there may be factors beyond our control which may result in early or delayed deliveries such as weather or traffic conditions. You agree that Exchange International shall not be liable for any deliveries made outside the delivery timeslot. If your designated delivery address is inaccessible or you or the authorised party is not at the delivery address to receive the delivery, rendering us unable to complete the delivery, we will contact you to determine the best alternative address, date, and time. You agree that any changes to your delivery address, date, or time after the submission of your order may incur an administrative charge of S$10.00. 


3. Verification

You acknowledge and agree that we are required by law to carry out all necessary security and customer due diligence checks on you in order to provide our Services to you. You may need to provide additional information (in a format acceptable to us) so we can verify your identity as a condition of processing your requests, or otherwise providing our services to you. We may make, directly or through any third-party, any inquiries we consider necessary to validate information that you provide to us, including checking commercial databases or credit reports.


4. Prohibited Usage

You must not misuse this Website. You shall not commit or encourage a criminal offence, transmit or distribute a virus including but not limited to Trojan horse, worm, logic bomb or post any other material on the Website which is malicious, technologically harmful, in breach of confidence or in any way offensive or obscene; hack into any aspect of the Service; corrupt data; cause annoyance to other users; infringe upon the rights of any other person’s propriety rights; send any unsolicited advertising or promotional material; or attempt to affect the performance or functionality of any computer facilities of or accessed throughout the Website. You may not decompile, reverse engineer or otherwise attempt to discover the source code of the Website or our Services, except under the specific circumstances expressly permitted by law or by Exchange International in writing. You may not hack into, interfere with, disrupt, disable, over-burden or otherwise impair the proper working of the Website, our Services, or our servers, which shall include but is not limited to denial-of-service attacks, spoof attacks, session hacking, sniffing, tampering, spamming, reverse engineering or reprogramming. You agree not to reproduce, display or otherwise provide access to the Website or our Services, which shall include but is not limited to framing, mirroring, linking, spidering, scraping or any other technological means (including any technology available in the future), without the prior written permission of Exchange International. In the event such a breach occurs, Exchange International will report the breach to the relevant law enforcement authorities and appropriate legal action will be taken.

All content on the Website, including, without limitation, trademarks, trade names, service marks, logos, designs, text, images, or links, are registered and unregistered property of Exchange International or third-party licensors or content providers. Nothing on the Website should be construed as granting any licence or right to use any content without the written permission of Exchange International or any other applicable content owner.  You agree not to reproduce, copy, modify, adapt, translate, publish, display, communicate, transmit, broadcast, distribute, sell, trade, exploit or use for any commercial or other purposes, any portion of, or any access to any of Exchange International's Services and any part of the Website except to the extent permitted with the prior written consent of Exchange International or unless permitted in these Terms of Use.


5. Third-party Links

The Website may contain hyperlinks to, or from other third-party websites. Exchange International shall not be responsible or liable for the contents on any third-party websites that are linked to, linked or from the Website, and we do not, expressly or implicitly, make any representation, covenant or warranty regarding their content or accuracy. Links to or from third-party websites do not imply that we sponsor or endorse the contents of these websites. Any hyperlinking to the Website shall be subject to Exchange International's prior written consent, which if given, shall be conditional upon the satisfaction of any conditions we may prescribe.


6. Linking to our Website

You may link to our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. We reserve the right to withdraw linking permission without notice.


8. Indemnification

You agree to indemnify Exchange International, our respective agents, third-party content providers or content providers harmless from and against any and all claims, expenses, actions, legal fees, liabilities, losses, proceedings, arising out of your use of the Website, in breach or alleged breach of this Terms of Use. 


9. Intellectual Property

The trade marks, service marks, trade names and logos used and displayed on the Website (collectively referred to as “Trade Marks”), are registered and unregistered Trade Marks of Exchange International. Nothing on this Website should be construed as granting, by implication, estoppel or otherwise, any licence or right to use any displayed on the Website, without the written permission of Exchange International or any other applicable trade mark owner. The name of Exchange International may not be used in any way without the prior written permission of Exchange International. ​

Aside from the content, trade marks owned by third parties, and the other names of companies, products, programmes, applications, systems (including messaging systems) and solutions may be mentioned or referred to on the Website. These marks are, and remain entirely, the trade marks of their respective owners or holders. Exchange International does not represent itself as being connected, associated or affiliated in any way with the owners or licensees of those marks.


10. Termination

Exchange International shall be entitled to suspend and/or terminate your access and/or use of the Website with or without notice and for any or no reason.


11. Access to the Website and Services

Exchange International will endeavor to ensure our Services are available to you when you need them during operating hours. However, we do not guarantee that our Services will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our services with or without notice. You acknowledge and agree that Exchange International will not be liable to you if for any reason whatsoever our Services are unavailable at any time or for any period. We may also restrict access to some parts, or the entirety, of the Website to persons who have registered with us.

To access certain parts of the Website or our Services, you will be required to sign up for an account with Exchange International. Please provide accurate, complete, and up-to-date information required for your account. You are solely responsbiel for safeguarding and maintaining the confidentiality of your account details. You agree not to share or permit anyone else to use your account. If you are provided with any piece of information as part of our security procedures, you must treat such information as confidential.

We reserve the right to disable any login or password, whether chosen by you or allocated by us, at any time, if we believe you have failed to comply with any of the provisions contained in these Terms of Use. As the Website visitor, you are responsible for making all the necessary arrangements for accessing the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of, and comply with, these terms of use and other additional terms and conditions.


12. Privacy

Exchange International respects your privacy and we are committed to protecting your privacy. To understand our privacy practices, please read our Privacy Policy here. Please do not submit any personal information or data without first reading our Privacy Policy.


13. Disclaimer

The information and materials on this Website are provided “as is” and “as available”. Exchange International does not warrant and shall not be responsible or liable for the accuracy, adequacy, availability, usefulness, timeliness or completeness of the information or materials, or for any errors or omissions in the information or materials. Exchange International does not warrant or represent that the Website and our services will meet your requirements, be of satisfactory quality, be fit for a particular purpose, not infringe the rights of third parties, or be compatible with all systems. For any statements or projections that may constitute forward-looking statements, such statements reflect our view as at the date the statements are made with respect to future events and are subject to risks and uncertainties. Actual outcomes and results may be significantly different from such views. We undertake no obligation to update or revise any forward-looking statements. 

No part of the Website and/or our services is intended to constitute advice (financial or otherwise), and the Website and/or our services should not be relied upon when making any decisions or taking any action of any kind. To the maximum extent permitted by law, we accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from your use of the Website and/or our services or any information contained in it, and you use the Website and/or our services) at your own risk.


14. Indemnification

You agree to fully indemnify Exchange International and all of its directors, officers, agents, and employees, from and against all claims, costs (including reasonable legal costs), damages, expenses, liabilities, losses, or any special, incidental or consequential damages however rising, out of or in connection with our Website and/or services.


15. Contact Us

If you have any questions about this Terms of Use, you may contact us at legal@thinmargin.com. Thank you.