Currency and Exchange Rate Policy

Qembara makes only currencies that it can support for the relevant user, Payment Method, Payout Method and market available in the applicable flow. Availability may depend on location, provider capability, regulatory requirements and operational risk. Selecting a Display Currency does not guarantee that every Payment Method can process it.

If the preferred currency is unavailable, Qembara may require a different currency or method before payment. Changing the Display Currency before payment recalculates the displayed price. A currency cannot be changed retrospectively for a completed payment, or for a later scheduled payment tied to the same Booking unless the checkout terms expressly permit it.

The final checkout screen will show the Total Price, material price components, Transaction Currency, amount to be charged or authorised, and the validity of the booking quote. The Transaction Currency and Total Price accepted when the Guest makes the Booking control that Booking, subject only to the narrowly defined manifest-error rule in section 9.

Where Qembara converts a price, it will always disclose before the Guest makes the Booking: the Transaction Currency; final Transaction Amount; Qembara conversion rate or conversion basis; and any separate Qembara-controlled FX fee, or that the Qembara rate includes an approved conversion margin. External issuer, bank or provider conversion and charges are identified separately and are not described as Qembara charges.

Each booking quote has a unique reference and expiry time. Qembara checks the quote immediately before final booking submission. Qembara will not silently replace the accepted Total Price after the Guest selects the final booking action. If the quote expires or the amount changes before submission, Qembara will display the refreshed Transaction Currency and Total Price and require fresh Guest acceptance.

At launch, Qembara uses a manually adjusted managed exchange rate from the approved reference source. The rate may differ from a mid-market, central-bank, bank, card-scheme or real-time rate. Every active rate has a version, UTC-effective period and retained approval record. Qembara retains the exact rate or conversion basis used for each Booking.

The exchange rate and resulting Transaction Amount lock when the Guest makes the Booking by submitting the final Qembara booking action after accepting the displayed Transaction Currency and Total Price. Browsing, an abandoned checkout or a nominal Payment Method verification does not lock a rate. If Qembara cannot complete the Booking using the accepted quote, or a required payment authorisation expires, fails or is voided, a later retry must show a fresh Transaction Currency and Total Price and obtain new Guest acceptance. Later market movement does not reprice the Booking already made.

A price change after confirmation is binding only after the Guest is shown the revised amount and currency and expressly accepts any increase through an authorised Qembara workflow. A decrease is returned under the Payment Terms and Cancellation and Refund Policy. Each additional payment uses the currency and rate disclosed for that payment and does not rewrite an earlier completed transaction.

Refund entitlement and amount are governed by the Cancellation and Refund Policy. Currency mechanics follow the original payment record. A full refund remains 100% of monetary amounts actually charged through Qembara for the affected Experience.

Qembara does not use a later market rate to reduce the Transaction Currency amount otherwise due. Qembara will prevent duplicate recovery where a refund, chargeback, bank reversal or credit overlaps.

A Host may enter a Host Amount only in a currency Qembara supports for that Listing. Qembara records the Booking’s Listing Currency, Host Amount, Transaction Currency, accepted conversion record and SGD equivalent. The Host’s Payout Currency is determined by the country, method and currency of the approved Payout Method, not solely by the Listing or Guest Transaction Currency.

Where conversion is required for payout, Qembara will show or make available the applicable basis and any Qembara-controlled or provider charge before the Host selects or confirms the arrangement, where required. A payout preview is an estimate unless Qembara expressly confirms it as final. Bank, intermediary and payout-provider conversion or transfer charges may reduce the amount received if disclosed and lawfully allocated under the Host Terms and Payment Terms.

A promotion, credit or voucher follows its issuing terms and the currency treatment shown before use. A reusable credit restored after cancellation is not necessarily cash. Monetary refunds remain governed by the Cancellation and Refund Policy. Taxes and price components are recorded in the Transaction Currency and handled according to the applicable legal and tax setup.

Qembara displays and charges SGD, SAR and USD to two decimal places. For a required conversion, Qembara calculates the approved monetary basis at sufficient internal precision, converts the total once, and then rounds the result once to the Transaction Currency’s two-decimal minor unit. It does not repeatedly convert or round intermediate display values. Qembara will not create a later charge solely to collect a de minimis rounding difference after confirmation.

Qembara may suspend a currency or conversion flow if a rate is stale, unavailable, clearly incorrect or operationally unsafe. A Guest may be offered another supported currency before payment. Suspending a currency does not retrospectively change a confirmed Booking’s monetary entitlement.

Qembara may use the manifest-error process only for a material currency or conversion error that was objectively obvious, or that a reasonable Guest should have recognised, when making the Booking. Qembara will ordinarily honour a confirmed non-obvious Qembara error and absorb the difference unless doing so is unlawful or operationally impossible. Otherwise, before the Experience, Qembara will explain the error and first seek a voluntary solution; cancellation with a full refund is the final option. Qembara will never charge an increase without the Guest’s express agreement.

Banks, card issuers, wallets, payment providers, payout providers and intermediary banks may independently impose foreign-transaction, international-processing, dynamic-currency-conversion, transfer or receipt fees. Qembara does not control their rates or charges. Contact the relevant provider about a charge shown only on its statement.

The policy version, quote reference, Transaction Currency, accepted amounts and applicable conversion record presented when the Guest makes the Booking are retained with the transaction and apply to that Booking. Users should report an apparent currency error promptly and provide the Booking reference, amount, currency, date and relevant statement excerpt without sending full card numbers or security codes.

For refund entitlement, the Cancellation and Refund Policy controls. For payment and payout mechanics, the Payment Terms control. This Policy controls currency-specific explanation and must be read consistently with those documents and the Booking Confirmation. Mandatory law prevails. Qembara may update prospective currency availability or methodology, but will not use a later policy to reduce a confirmed Booking entitlement.