How Qembara handles currencies, exchange rates and the price you pay.
Important
This Currency and Exchange Rate Policy (the Currency Policy) explains how Qembara displays prices, which currency Guests are charged in, how exchange rates are applied, how refunds are calculated and how Host Payouts are paid. It forms part of the Payment Terms and applies together with the Guest Terms, Host Terms, Pricing & Fee Policy, Cancellation and Refund Policy and the Booking Confirmation.
Simple Summary
You are charged in the currency you select when it is SGD, SAR, MYR or IDR and the Listing’s currency can be converted to it; in every other case you are charged in Singapore dollars (SGD), and amounts shown in another currency are estimates. The amount shown at checkout, in the currency shown there, is what you are charged and is fixed when you pay. Refunds are made in the currency you paid in, from the original payment record. Hosts may set their price in SGD, SAR, USD, MYR or IDR and are paid in that currency for the amount shown when the Booking was confirmed; Qembara bears exchange-rate movement in between. Your bank or card issuer may apply its own conversion rate or fee. This summary is for convenience only; if it conflicts with the full Policy, the full Policy applies.
This Currency Policy of QEMBARA EXPERIENCES PRIVATE LIMITED, a company incorporated in Singapore with Company Unique Entity (UEN) Number 202645696M (Qembara, we, us or our), applies to prices, payments, refunds and Host Payouts for Bookings made through the Platform.
For refund entitlement, the Cancellation and Refund Policy controls. For payment and Payout mechanics, the Payment Terms control. This Policy explains currency-specific treatment and must be read consistently with those documents and the Booking Confirmation. Mandatory law prevails. This Policy uses the defined terms in the Guest Terms, Host Terms and Payment Terms. It is provided in English. This does not limit any language-related right required by law.
Display Currency means the currency selected or shown for browsing. Where it is not the Transaction Currency, amounts shown in it are estimates for convenience.
Listing Currency means the currency in which the Host sets the Host Amount for a Listing: SGD, SAR, USD, MYR or IDR.
Payout Currency means the currency in which a Host receives a Payout, which is the Listing Currency in which the Host set the Host Amount.
Reporting Currency means SGD, used by Qembara for pricing, management, accounting and reconciliation, subject to applicable accounting rules.
Settlement Currency means the currency in which the payment provider or bank settles money to Qembara. It does not change the Guest’s accepted Total Price.
Transaction Currency means the currency in which the Guest is charged at checkout. It is the Display Currency the Guest selected where that currency is SGD, SAR, MYR or IDR and the Listing Currency can be converted to it; in every other case it is SGD.
At launch, Qembara supports the following currencies:
Transaction Currency: SGD, SAR, MYR or IDR, determined as stated in section 2.
Listing and Payout Currencies: SGD, SAR, USD, MYR and IDR, as stated in section 7 of the Host Terms and section 5 of the Payment Terms.
Display Currencies: SGD, SAR, USD, MYR and IDR
Availability may depend on location, payment-provider capability, regulatory requirements and operational risk. Qembara may add or remove a Display, Listing or Payout Currency for future Bookings, but will not change the currency or amount of a confirmed Booking or an accrued Payout.
Prices are calculated in the Listing Currency. Changing the Display Currency before payment recalculates the displayed amounts and may change the Transaction Currency, but does not change the price in the Listing Currency. The final checkout screen shows the Total Price in the Transaction Currency, its material price components, the amount to be charged or authorised, and, where the Display Currency selected is not the Transaction Currency, the estimated equivalent labelled as an estimate. The Total Price accepted at checkout, in the Transaction Currency, controls the Booking, subject only to the manifest-error rule in section 10.
Each checkout price has a unique reference and expiry time. Qembara checks it immediately before the final booking action and will not silently replace the accepted Total Price. If the price expires or changes before submission, Qembara will show the refreshed Total Price and ask the Guest to accept it again.
If the Guest’s Payment Method is billed in a currency other than the Transaction Currency, the Guest’s bank or card issuer converts the charge and may apply its own rate or fee. Qembara does not control that conversion. Qembara does not offer dynamic currency conversion at checkout at launch; the Guest is charged in the Transaction Currency shown at checkout.
Exchange rates are reference rates set by Qembara, updated from time to time and fixed for each Booking at checkout, as stated in section 5 of the Payment Terms. They may differ from mid-market, central-bank, bank or card-scheme rates. Qembara does not add a separate exchange-rate fee or margin at launch. Qembara keeps the exact rate used for each Booking.
The rate is fixed when the Guest submits the final booking action after accepting the Total Price. Browsing, an abandoned checkout or a nominal Payment Method verification does not fix a rate. If Qembara cannot complete the Booking on the accepted price, or a required authorisation expires, fails or is voided, a retry shows a fresh Total Price and requires new Guest acceptance. Later market movement does not reprice a Booking already made.
A price change after confirmation is binding only after the Guest is shown the revised amount in the Booking’s Transaction Currency and expressly accepts any increase through an authorised Qembara workflow. A decrease is refunded under the Payment Terms and the Cancellation and Refund Policy. Each additional payment uses the 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. Refunds are made in the Booking’s Transaction Currency using the component amounts recorded at checkout, as stated in section 9.2 of the Cancellation and Refund Policy. A full refund remains 100% of the monetary amounts actually charged through Qembara for the affected Experience. Specifically:
Display Currency differed: the refund follows the amount charged in the Transaction Currency, not the Display Currency estimate.
Partial refund: calculated from the original components recorded in the Transaction Currency and rounded once under section 9.
Original Payment Method cannot receive the refund: Qembara offers another lawful method and does not substitute credit without the Guest’s agreement.
Issuer converts the refund: the issuer may post a different amount in the Guest’s billing currency because of its own rates or fees.
Qembara does not use a later market rate to reduce the amount due and will prevent duplicate recovery where a refund, chargeback, bank reversal or credit overlaps.
A Host may set the Host Amount in SGD, SAR, USD, MYR or IDR. Where the Transaction Currency is not the Listing Currency, Qembara converts the Total Price to the Transaction Currency at the active exchange rate, and records the Listing Currency, Host Amount, Transaction Currency amounts, SGD equivalent and rate used for each Booking.
The Host’s Payout is made in the currency in which the Host set the Host Amount, for the amount shown when the Booking was confirmed, less authorised deductions under the Payment Terms. Qembara bears exchange-rate movement between checkout and Payout, as stated in section 7 of the Host Terms and section 5 of the Payment Terms. Payouts are made by bank transfer to a verified account in the Host’s legal or business name, with no minimum Payout. Qembara bears its own transfer charges and will show any third-party or intermediary bank charge before the Host confirms the Payout Method.
A promotion, credit or voucher follows its issuing terms, as stated in section 21 of the Guest Terms. A reusable credit restored after cancellation is not cash. Taxes and price components are recorded for each Booking in the Listing Currency and in the Transaction Currency and handled under the applicable legal and tax requirements.
Amounts are rounded to the nearest 0.01 of the currency, or to the nearest whole unit for IDR, as stated in section 5 of the Payment Terms. Qembara converts a total once and rounds once, and does not repeatedly convert or round intermediate display values. Qembara will not make a later charge solely to collect a small rounding difference after confirmation.
Qembara may suspend a Display, Listing or Payout Currency, or a conversion, if a rate is stale, unavailable, clearly incorrect or operationally unsafe. Suspension does not change a confirmed Booking’s monetary entitlement or an accrued Payout.
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, as stated in section 13 of the Payment Terms.
Banks, card issuers, wallets, payment providers, payout providers and intermediary banks may independently charge foreign-transaction, international-processing, transfer or receipt fees. Qembara does not control them. Contact the relevant provider about a charge that appears only on its statement.
The policy version, checkout reference, Transaction Currency, accepted amounts and exchange rate used when the Guest makes the Booking are kept with the transaction and apply to that Booking. Report an apparent currency error promptly through the Help Centre or support@qembara.com, giving the Booking reference, amount, currency, date and a relevant statement extract, without sending full card numbers or security codes. Qembara aims to acknowledge an ordinary complaint within two business days and respond within 14 calendar days, as stated in section 27 of the Guest Terms.
Qembara may update currency availability or methodology for future Bookings and will show the new effective date and archive earlier versions. It will not use a later version to reduce a confirmed Booking entitlement or an accrued Payout.
QEMBARA EXPERIENCES PRIVATE LIMITED operates the Qembara Platform and provides marketplace, booking, payment-facilitation and support services. Except where a Listing expressly identifies Qembara as the supplier, Qembara is not the Host and is not a party to the Experience Contract.