Purchasing a soft copy of a document

Q: I wish to purchase a set of notes from a company. Once I make payment via EFT, they will send me these notes via email. There is thus no physical product being exchanged, or the ability for me to 'return' anything. The notes are just a document made on Microsoft Word. Is it permissible for one to buy and sell 'soft copies' in this manner?

Paying back a loan in a different currency according to the exchange rate

Q: Bakr and Zaid are travelling in a foreign country. Zaid takes a loan of 100 USD from Bakr. Bakr makes the condition that when they return to South Africa, Zaid must not pay him 100 USD, but rather the equivalent of 100 USD in South African rands. The equivalent of the 100 USD will be based on a mutually agreed exchange rate decided by Zaid and Bakr when they return to South Africa. Is this type of transaction permissible?

Taking a profit against a loan

Q: Is Islamic banking across GCC correct? they are referring to profit rate for car loan etc. Is this the same as interest? Am I safe to purchase a car through Islamic banking profit rate that they are referring. Bank says it is as per Shari'ah. Please help to sort this doubt as I am about to purchase a car and since I cannot afford full payment, I am preferring Islamic banking. Will I be in danger?