CurrencyConverterr will not be responsible for any trading decisions.
These calculators are extremely useful to many people and not only people that want quick loans or trade in foreign exchange.
These rates are called retail rates and they are the rates you should expect to pay as you are a small scale customer in comparison to many other traders and buyers.
You can also use a manual rate instead of an external data source to convert currency rates.
The answer is 0.
You acknowledge that exchange rates for retail and commercial transactions, and for transactions effected after regular business hours and on weekends, are different from the exchange rates for large inter-bank transactions effected during the business day, as may be reported in The Wall Street Journal or elsewhere.