Terms and Conditions

Terms and Conditions

Welcome to XchangeofAmerica.com. Xchange of America, Inc, Xchange of America, LLC and/or its affiliates ("Xchange of America") provide website features and other products and services to you when you visit or exchange currency at XchangeofAmerica.com, use Xchange of America products or services, are subject to the following conditions.

By using Xchange of America Services, you agree to these Terms & Conditions. Please read them thoroughly.

Electronic communications

When you use any Xchange of America Service, send us e-mails, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on our site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


All content included in or made available through any Xchange of America.com, Xchange of America, Inc, Xchange of America, LLC or Xchange of America brand is the property of Xchange of America and protected by United States and international copyright laws. The compilation of all content included in or made available through any Xchange of America Service is the exclusive property of Xchange of America and protected by U.S. and international copyright laws.


All names, content, symbols and brands owned and operated by Xchange of America are trademarked and cannot be used without strict written perimission of Xchange of America, Inc.

Protect your account

If you use any Xchange of America Services, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Xchange of America does not sell products to minors, and you have to meet the legal age of 18 no matter what country you live. Xchange of America reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in its sole discretion.

Reviews, Comments, Communications, and other content

Clients / Customers / may submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a correspondence or other content.

Risk of loss

All items purchased from Xchange of America.com or affiliate brands and sites are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to you upon our delivery to the carrier. If the item is lossed or damaged it may be replaced at the sole discretion of Xchange of America however Xchange of America is not liable to do so.

Returns, Refunds and Title

All currency exchanges are final and there are "NO" refunds. Xchange of America does not take title to returned items until the item arrives at our facility or fulfillment center. At our discretion, we may (under certain circumstances) issue a refund. Shipping is not refundable.


All pricing on Xchange of America, affliliate brands or websites cannot be confirmed until you order. Despite our best efforts, a small number of the items on our website may be mispriced. If the correct price of an item sold by Xchange of America is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation. Other merchants may follow different policies in the event of a mispriced item.

We will not ship your product until your credit card is charged and applicable documentation is provided to confirm identity. At our discretion, we reserve the right with money order / cashier's check and bank wire payments to hold your purchase until we confirm the cleared receipt of said funds.

Lowest rates in america

Lowest Rates in America is based on rates from national companies who offer online currency exchange services to the public and ship to your door...this does not include local or regional banks, credit unions or stand-alone organizations, or individuals.

No document ordering

No Docs ordering is based on being able to confirm someone’s identity and answering a series of questions correctly to confirm they are who, they say they are. If this cannot be confirmed then regular documents will be required.

Order today, on your doorstep tomorrow

Order today on your doorstep tomorrow is based on credit/debit card ordering, and APPROVED, by 3pm EST Monday - Thursday. Excludes weekends and holidays, with successful identity verification and paying for overnight shipping. Orders placed on Friday will ship and customer will recieve on Monday.

Website content

All information, products, services contained on Xchangeof America.com our brands and affiliates websites are subject to change without notice. Just because we offer the service on our sites doesn't mean it's available in your area and is at the sole discretion of Xchange of America, Inc. Our website is not an offer to sell a security. We are licensed as currency exchangers by Federal and State laws. By offering information on products and services online no solicitation is being made by Xchange of America in jurisdictions where the provision of such information is prohibited by law.

Disclaimer of warranties and limitation of liability

XchangeofAmerica.com its owned brands and affiliates do not warranty the website and any and all content provided on such and the consumer / business operates it at own risk.

The content on this website is for the purpose of buying / selling foreign currency and should not be used for investment or speculation purposes. Xchange of America its brands and affiliates are not licensed investment advisors / consultants however hold currency exchange licenses and provide an exchange only. No advice of any kind will be given. We accept no responsibility or liability for misuse of our services. We also accept no responsibility for technical issues or reasons beyond our control and do not guarantee you will receive the services you register for. We are not responsible for claims on equipment used to access our website / services and are not responsible for indirect, punitive damages of loss of money suffered by individual / company when using our service(s).



Any dispute or claim relating in any way to your use of any Xchange of America Product / Service, or to any products or services sold or distributed by Xchange of America or through XchangeofAmerica.com will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of Conditions of Use as a court would.

We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

Applicable Law

By using any Xchange of America Service, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Xchange of America.