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.
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.
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.
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.
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.
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.
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
7. Legal Jurisdiction
We do not warrant that the materials on the Website are appropriate or available for use in locations outside Singapore. Accessing the Website from territories where its contents are illegal or unlawful is prohibited. If you choose to access the Website from elsewhere, you do so on your own initiative and are responsible for compliance with local laws. Exchange International disclaims all liability resulting therefrom.
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.
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.
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.
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