Terms of service.

What the app is

Rate Koto shows indicative exchange rates between the Bangladeshi taka and other currencies, does the arithmetic of a remittance, sends rate alerts, and includes everyday tools for Bangladeshis abroad: clocks, a money log, helpline numbers, checklists, travel notes and phrases.

The app is an information tool. It does not send, receive, exchange or hold money, it is not a bank, exchange house or money-transfer service, and it is not affiliated with or endorsed by any government body, bank or company.

Rates and calculations

Rates are indicative market rates taken from public sources, mainly Frankfurter, which publishes central-bank reference rates. They change about once a day and can be out of date, especially when your phone is offline. The rate a bank, exchange house or mobile-banking service gives you will differ. Always check their rate and fees before you send money.

“Good day to send” only compares today’s rate with past days. It is not financial advice and does not predict where the rate will go. Decisions about your money are yours.

The government cash incentive shown in the calculator follows the published rule at the date shown in the app. Whether you receive it depends on the bank and the rules in force when you send.

Helplines, checklists and travel notes

Phone numbers, web addresses, checklists and customs notes are summaries prepared with care from official sources, each with the date it was checked. Rules and numbers change. Confirm anything important with the mission, airline or authority concerned. If you find a mistake, please write to me so I can correct it.

Using the app

You may install and use the app on your own devices for personal use. Please do not copy, resell or redistribute the app, remove its notices, or interfere with the adverts it shows.

Adverts, purchases and other services

The app is free and shows adverts served by Google AdMob on some screens. I do not choose or endorse individual adverts, including adverts from banks or money-transfer companies. How advertising data is handled is explained in the Rate Koto privacy policy.

“Remove ads” is an optional one-time purchase made through Google Play under Google Play’s terms, including its refund policy. It removes adverts on the devices where you use the same Google account. Watching an optional reward advert gives a day without adverts.

Some buttons open other apps or websites, such as Google Play, your dialler or official websites. Those services are run by other parties under their own terms.

No warranty

The app is provided as is. I work to keep it accurate and reliable, but I do not promise that it is free of mistakes, that it will always be available, or that it suits a particular purpose. Alerts depend on your phone and connection and may arrive late or not at all.

To the extent the law allows, I am not liable for loss or damage that results from using the app, including a decision made on a rate, calculation or alert shown in it. Nothing in these terms limits rights that the law gives you as a consumer and that cannot be set aside by agreement.

Changes and contact

The app may be updated, changed or withdrawn. If these terms change, the new version will be published on this page with a new date. Questions can be sent to [email protected].