Last updated 7 August 2026

Legal & compliance

These terms govern your use of the Crossrate website and application. By using either you agree to them. If you do not agree, do not use the service.

1. Terms of use

Crossrate is provided on an "as is" and "as available" basis for informational purposes. You may use it only where doing so is lawful in your jurisdiction and only if you are of legal age to enter into a binding agreement.

You agree not to interfere with the service, overload it, reverse engineer it for malicious purposes, or disrupt the public endpoint it relies on for the rate table.

2. Scope of the service

Crossrate displays published reference rates and performs arithmetic on them. The following are explicitly not part of the service:

  • Order placement, execution or routing of any kind.
  • Brokerage, dealing, market making or introduction to any counterparty.
  • Holding, transmitting or safeguarding client money or assets.
  • Tradable quotes, dealable prices, spreads or executable rates.
  • Investment advice, portfolio management or discretionary trading.
  • Contracts for difference, spread betting, margin trading or leverage of any kind.
  • User accounts, sign-in, identity verification or credit assessment.

The watchlist and preferences are stored locally in your browser. They are not transmitted to us and are not associated with any account, because no accounts exist.

3. Compliance information

Capital Management does not operate as a futures commission merchant, retail foreign exchange dealer, introducing broker, commodity trading advisor or commodity pool operator. Because the service neither solicits nor accepts orders, nor holds customer funds, nor advises on the value of any transaction, it does not perform activity that requires registration with the Commodity Futures Trading Commission or membership of the National Futures Association.

As of the date at the top of this page Capital Management holds no NFA 0571795r. An NFA 0571795. Nothing on this site should be read as a claim that such registrations already exist. Any identifier will be published in the footer of every page and in this section once it is issued.

Should Capital Management later introduce regulated functionality, that functionality would be launched separately, subject to the applicable registration and compliance obligations in each jurisdiction where it is offered, and covered by revised terms published in advance.

Entity of record: Capital Management, 166 East 61st Street, Apt. 14g, New York, NY 10065, United States.
Phone: +1 646-549-9981 · Email: support@capital-management.app

4. The rate data

All figures shown are euro foreign exchange reference rates published by the European Central Bank. They are published once each business day, based on a regular concertation procedure between central banks across Europe, and are intended for information and statistical purposes.

They are not tradable prices. No transaction can be executed at them, they contain no spread, and an actual dealt rate at any broker or bank will differ. Where a pair does not involve the euro, the rate shown is a cross rate derived from the two euro reference rates, which is how the ECB itself describes the calculation.

Data is retrieved through a public endpoint that republishes the ECB series. We do not control that endpoint and do not warrant its availability. When it is unreachable the application shows the last cached publication and marks the state as cached rather than current.

5. Risk disclosure

Foreign exchange rates move, and currency exposure carries risk. Trading foreign exchange, particularly on margin, carries a high level of risk and may not be suitable for all investors. The possibility exists that you could sustain a loss of some or all of your capital, and in some circumstances more than the amount deposited.

Nothing produced by this service is a recommendation, solicitation or offer to buy or sell any instrument or currency. Figures shown reflect only what the European Central Bank published on a given day and carry no view on whether any transaction should be undertaken. Seek advice from an independent, appropriately licensed financial adviser if you have any doubts.

6. Accuracy and availability

We take care that the arithmetic is correct, but we do not warrant that figures are accurate, complete, current or uninterrupted. Reference rates may be revised by the publisher, a publication may be delayed or skipped on a holiday, and a cached value may be shown when the network is unavailable.

Verify any figure against the source before relying on it for a decision that matters. The European Central Bank publishes the reference rates on its own website, and that publication prevails over anything shown here.

7. Cookies and local storage

This site sets no advertising cookies, no analytics cookies and no cross-site tracking identifiers. There is no cookie banner because there is nothing to consent to.

The application writes to your browser's local storage under the crossrate: prefix: your preferences, your watchlist, the cached rate table and cached history for the charts you have opened. All of it stays on your device and can be removed at any time from More → Clear local data, or by clearing site data in your browser.

Installing the application also stores a cache of the interface files so it opens without a connection. That cache holds no personal data and is deleted when you uninstall or clear site data. The support form displays a local confirmation message and does not create a ticket or send anything to a server.

8. Intellectual property

The Crossrate name, logo, interface design, copy and source code are the property of Capital Management. Currency codes and currency names are industry standard identifiers used for description only, and their use implies no endorsement, partnership or affiliation with any central bank, exchange, broker or data provider. The European Central Bank is the source of the reference rates and is in no way associated with this service.

9. Limitation of liability

To the fullest extent permitted by applicable law, Capital Management and its officers, employees and contractors are not liable for any direct, indirect, incidental, consequential or exemplary loss arising from your use of, or inability to use, this service — including losses arising from reliance on a displayed figure, service interruption, or errors and omissions in content.

Nothing in these terms excludes liability that cannot lawfully be excluded.

10. Changes and contact

We may update these terms as the product develops. The revision date at the top of this page reflects the most recent change, and continued use after an update constitutes acceptance of the revised terms.

Questions can be sent to support@capital-management.app or by post to the address in section 3. We aim to respond within two business days.