Terms of use

Provider

The Paer FX cost audit tool is provided by Paer ApS, CVR 46 41 35 63, c/o Antler, Frederiksholms Kanal 30, 1220 København K, Denmark.

The service

The tool is free to use. It calculates the FX margin and flat fees on cross-border payments from bank records you provide, and estimates what the same payments would cost with Paer. It is meant for businesses.

Your responsibilities

• Only upload statements or connect accounts that you are authorised to access on behalf of the business.
• Do not misuse the tool, attempt to access other users' data, or disrupt the service.

Results are indicative

Results are based only on the records you provide and on third-party mid-market rates for the value date. They are not financial, tax or legal advice and are not an offer. Estimated savings depend on Paer's pricing at the time an agreement is made.

Third-party services

Open banking connections are provided by Enable Banking Oy and authorised by you at your bank. Exchange rates come from Open Exchange Rates. Their own terms apply to those services.

Liability

The tool is provided as is. To the extent permitted by law, Paer ApS is not liable for decisions made on the basis of the results, or for indirect losses.

Privacy

See our privacy policy for how data is handled.

Law and venue

These terms are governed by Danish law. Disputes are settled by the Danish courts, with Copenhagen City Court as the first instance.