Terms of Use

Last Updated: January 16, 2026

1. Acceptance of Terms

Welcome to ToPeso.org. By accessing or using our website and currency to peso converter service (collectively, the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and ToPeso.org ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

2. Description of Service

ToPeso.org provides a free online currency to peso converter that displays current exchange rates and allows users to convert various foreign currencies to Philippine peso (PHP). Our Service includes:

  • Real-time currency to peso exchange rate information
  • Interactive calculator for converting currency to Philippine peso
  • Quick conversion tables for common amounts
  • Educational content about currency to peso conversion
  • Information about exchange rates to peso and currency conversion methods

Important: ToPeso.org is an informational tool only. We do not process actual currency exchanges, money transfers, or financial transactions. To actually convert currency to peso, you must use a bank, money changer, remittance service, or other financial institution.

3. Use of Service

3.1 Permitted Use

You may use our currency to peso converter for lawful purposes, including:

  • Checking current exchange rates to peso for personal or business planning
  • Calculating currency to peso conversions for travel budgeting
  • Comparing rates before actual currency to peso transactions
  • Educational purposes related to currency exchange and Philippine peso

3.2 Prohibited Use

You agree NOT to:

  • Use the Service for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to our systems or networks
  • Interfere with or disrupt the Service or servers
  • Use automated systems (bots, scrapers) to access the Service without permission
  • Copy, modify, distribute, or create derivative works from our content without authorization
  • Remove or modify any copyright, trademark, or proprietary notices
  • Use the Service to transmit viruses, malware, or harmful code
  • Impersonate ToPeso.org or misrepresent your affiliation with us
  • Use exchange rate data for market manipulation or fraudulent purposes

4. Exchange Rate Disclaimer

4.1 Informational Purposes Only

IMPORTANT: The exchange rates to peso displayed on ToPeso.org are for informational and reference purposes only. They represent mid-market rates and should not be considered as:

  • Guaranteed rates for actual currency to peso transactions
  • Financial advice or recommendations
  • Official rates from Bangko Sentral ng Pilipinas or any central bank
  • Rates offered by banks, money changers, or remittance services

4.2 Rate Accuracy and Updates

While we strive to provide accurate and up-to-date currency to peso exchange rates:

  • Rates are sourced from third-party financial data providers
  • Actual rates when converting currency to peso may differ
  • Exchange rates fluctuate constantly; displayed rates may not reflect the most current market rates
  • We update rates regularly but cannot guarantee real-time accuracy
  • Technical issues may occasionally result in delayed or inaccurate rate updates

4.3 Actual Transaction Rates

When you actually convert currency to peso through banks, money changers, or other financial institutions, the rates you receive will typically differ from our displayed rates due to:

  • Service fees and commissions
  • Buy/sell spreads (difference between buying and selling rates)
  • Provider markups and profit margins
  • Market timing differences
  • Minimum or maximum amount requirements

5. No Financial Advice

ToPeso.org does not provide financial, investment, or professional advice. Our currency to peso converter and related content are educational tools only. You should:

  • Consult with qualified financial advisors before making significant financial decisions
  • Verify current rates with your actual currency exchange provider
  • Understand the terms, fees, and conditions of your specific transaction
  • Not rely solely on our rates for business, tax, or legal purposes

We are not responsible for any financial losses or damages resulting from your reliance on information provided through our Service, including currency to peso exchange rates and conversion calculations.

6. Intellectual Property Rights

6.1 Our Content

All content on ToPeso.org, including but not limited to text, graphics, logos, images, software, and the currency to peso converter interface, is the property of ToPeso.org or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. This license does not include:

  • Resale or commercial use of the Service or content
  • Derivative works or modifications
  • Downloading or copying account information for the benefit of another merchant
  • Data mining, robots, or similar data gathering and extraction tools

6.3 Trademarks

"ToPeso.org" and related logos are trademarks. You may not use these trademarks without our prior written permission.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • ToPeso.org and its operators, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses resulting from your use of the Service.
  • We make no warranties or representations about the accuracy, reliability, completeness, or timeliness of the currency to peso exchange rates or other content provided through the Service.
  • We are not liable for any financial losses, damages, or costs arising from your reliance on exchange rates to peso or conversion calculations provided by our Service.
  • We are not responsible for errors, omissions, interruptions, deletions, defects, delays in operation or transmission, communication line failures, theft, destruction, or unauthorized access to our Service.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability, fitness for a particular purpose, or non-infringement
  • Warranties that the Service will be uninterrupted, secure, or error-free
  • Warranties regarding the accuracy, reliability, or currency to peso exchange rate data
  • Warranties that defects will be corrected or that our servers are free of viruses or harmful components

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless ToPeso.org, its operators, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with:

  • Your use of the Service or currency to peso converter
  • Your violation of these Terms
  • Your violation of any third-party rights, including intellectual property rights
  • Any financial decisions or transactions made based on information from our Service

10. Third-Party Links and Services

Our Service may contain links to third-party websites, services, or resources, including but not limited to:

  • Banks and financial institutions that perform actual currency to peso exchanges
  • Money transfer and remittance services
  • Exchange rate data providers
  • Educational resources about Philippine peso and currency conversion

We do not endorse, control, or assume responsibility for any third-party sites, services, or content. Your use of third-party services is at your own risk and subject to their terms and privacy policies. We are not liable for any damages or losses caused by third-party services.

11. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information when you use our currency to peso converter.

Key points:

  • We do not collect or store your conversion amounts or history
  • Calculations are performed in your browser, not on our servers
  • We use cookies for analytics and improving user experience
  • We respect your privacy and protect your personal information

12. Termination

We reserve the right to suspend or terminate your access to the Service at any time, without notice, for any reason, including but not limited to:

  • Violation of these Terms
  • Fraudulent, abusive, or illegal activity
  • Technical or security reasons
  • Extended periods of inactivity

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

13. Changes to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We may:

  • Add or remove currencies from the currency to peso converter
  • Change how exchange rates to peso are calculated or displayed
  • Modify features, functionality, or design
  • Temporarily or permanently suspend the Service for maintenance or updates

We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of the Philippines.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid, enforceable provision that most closely matches the intent of the original provision.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ToPeso.org regarding your use of the Service and supersede all prior agreements and understandings, whether written or oral, regarding the subject matter.

17. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

18. Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice to you.

19. Contact Information

If you have questions about these Terms or the Service, please contact us:

Email: contact@topeso.org
Website: https://topeso.org

20. Acknowledgment

BY USING TOPESO.ORG AND OUR CURRENCY TO PESO CONVERTER, YOU ACKNOWLEDGE THAT:

  • You have read and understood these Terms of Use
  • You agree to be bound by these Terms
  • You understand that exchange rates are for reference only
  • You will not rely solely on our rates for financial decisions
  • You will verify rates with actual providers before converting currency to peso
  • You accept the limitations of liability and disclaimers stated herein

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