Iban✓erify
Last Updated: January 2024
1. Agreement to Terms
By accessing and using this website and the services provided by IBAN Verify ("Company," "we," "us," "our," or "Service"), you accept and agree to be bound by and comply with these Terms & Conditions and our Privacy Policy. If you do not agree to abide by the above, please do not use this service.
These terms and conditions are applicable to all visitors, users, and others who access the service. If you disagree with any part of these terms, then you may not use our services.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on IBAN Verify's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modifying or copying the materials
- Using the materials for any commercial purpose or for any public display (commercial or non-commercial)
- Attempting to decompile, reverse engineer, or disassemble any software contained on the website
- Removing any copyright or other proprietary notations from the materials
- Transferring the materials to another person or "mirroring" the materials on any other server
- Using our API or services to provide competing services
- Reselling, sublicensing, or offering our services as your own
3. Service Description
IBAN Verify provides the following services:
- IBAN (International Bank Account Number) validation and verification
- BIC/SWIFT code lookup and validation
- US Routing Number validation
- UK Sort Code validation
- Indian IFSC code validation
- Bank account verification
- Batch account validation processing
Services are provided "as is" without warranties of any kind. We strive for accuracy but cannot guarantee 100% accuracy in all validations, especially for real-time balance or status checks.
4. User Responsibilities
As a user of our services, you agree to:
- Provide accurate, complete, and truthful information during registration
- Maintain the confidentiality of your account credentials
- Not share your API keys or access tokens with unauthorized parties
- Use services only for legitimate, lawful purposes
- Not use services in violation of applicable laws or regulations
- Not attempt to gain unauthorized access to the system
- Not engage in any fraudulent or deceptive activities
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable KYC/AML (Know Your Customer/Anti-Money Laundering) regulations
5. Prohibited Uses
You agree not to use the service for:
- Illegal activities or in furtherance of illegal purposes
- Money laundering, terrorist financing, or sanctions evasion
- Fraud, deception, or misrepresentation
- Harassment, abuse, or threatening behavior
- Spamming, phishing, or other malicious activities
- Distributing malware or harmful code
- Excessive API usage that disrupts service for other users (rate limiting applies)
- Scraping or automating data collection without authorization
- Circumventing security measures or authentication controls
Any violation of these terms will result in immediate termination of your account and services without refund.
6. API Usage and Rate Limits
6.1 Rate Limiting
API usage is subject to rate limits based on your subscription plan. Excessive requests may be throttled or blocked. Attempting to circumvent rate limits is prohibited.
6.2 API Keys
- API keys are personal and non-transferable
- You are responsible for keeping API keys confidential
- Do not share API keys in public repositories or documentation
- Regenerate keys if you suspect compromise
- We reserve the right to revoke keys that show signs of abuse
6.3 API Uptime
We aim for 99.5% uptime but make no guarantees. Scheduled maintenance may cause temporary unavailability. We will provide notice when possible but are not liable for downtime-related losses.
7. Subscription Plans and Billing
7.1 Subscription Terms
- Subscriptions are billed on a monthly or annual basis
- Billing occurs on the date you subscribe and repeats on that date each billing period
- You are responsible for maintaining current billing information
- Failed payments may result in service suspension
7.2 Cancellation and Refunds
- You may cancel your subscription at any time
- Cancellation takes effect at the end of the current billing period
- Refunds are generally NOT provided for partial months/years of service
- Refunds for billing errors will be processed within 30 days
- In case of service failure, we may issue prorated refunds at our discretion
7.3 Price Changes
We reserve the right to change subscription prices at any time. Price changes will take effect at the next billing cycle. We will provide at least 30 days' notice for significant price increases.
8. Intellectual Property Rights
8.1 Our Intellectual Property
All content, features, and functionality (including software, technology, data, and documentation) are owned by IBAN Verify, its licensors, or other providers of such material. These are protected by copyright, trademark, and other intellectual property laws.
8.2 Your Content
By using our services, you grant IBAN Verify a worldwide, non-exclusive license to use, copy, process, and analyze data you provide solely for the purpose of delivering our services and improving our systems.
8.3 Restrictions
You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of our services without express written permission from IBAN Verify.
9. Warranties and Disclaimers
9.1 As-Is Basis
The website and services are provided on an "as is" and "as available" basis. IBAN Verify makes no representations or warranties of any kind, express or implied, regarding the operation or content of the website or services.
9.2 Disclaimers
To the fullest extent permissible pursuant to applicable law, IBAN Verify disclaims all warranties, express or implied, including but not limited to implied warranties of:
- Merchantability
- Fitness for a particular purpose
- Non-infringement of intellectual property rights
- Accuracy or completeness of information
9.3 Validation Accuracy
While we strive for high accuracy, validation results are provided for informational purposes and should not be considered as legal or financial advice. Always verify bank account details through official banking channels.
10. Limitation of Liability
10.1 Maximum Liability
In no event shall IBAN Verify, its officers, directors, employees, or agents be liable to you for any indirect, incidental, special, consequential, or punitive damages, regardless of whether such damages arise from contract, tort, strict liability, or any other theory of liability.
10.2 Direct Damages Cap
Our total liability for direct damages shall not exceed the amount you have paid to IBAN Verify in the 12 months preceding the claim.
10.3 Excluded Damages
This limitation applies to damages arising from:
- Loss of data or business
- Loss of profits or revenue
- Loss of goodwill
- Service interruptions
- Third-party claims
- Use of data provided to third parties
11. Indemnification
You agree to indemnify and hold harmless IBAN Verify and its officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, and expenses arising from or related to:
- Your use of our services
- Violation of these terms or applicable laws
- Infringement of intellectual property rights
- Your account or API key compromise
- Use of our services to facilitate illegal activities
12. Third-Party Services
Our website may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of these third-party services. Your use of third-party services is governed by their own terms and conditions. We do not endorse or warrant any third-party service.
13. Account Termination
13.1 Termination by You
You may terminate your account at any time by contacting us or using account management tools. Upon termination, you are no longer granted access to the services.
13.2 Termination by Us
We may suspend or terminate your account immediately without notice if:
- You violate these terms or applicable laws
- You engage in fraudulent or malicious activity
- You abuse API resources or cause system disruption
- Your use violates compliance regulations (AML, KYC, sanctions)
- Payment fails and cannot be resolved
13.3 Data After Termination
Upon termination, we may delete your account data in accordance with our retention policies. You are responsible for backing up important information before termination.
14. Data and Compliance
14.1 Data Protection
Your use of our services is subject to our Privacy Policy. You acknowledge that our services may process personal data and you are responsible for compliance with applicable data protection laws.
14.2 Regulatory Compliance
You represent and warrant that:
- Your use complies with applicable laws in your jurisdiction
- You comply with KYC/AML regulations
- You do not use services for sanctioned countries or individuals
- You have proper authorization to use account data
14.3 Data Processing Agreement
For business users processing personal data, a Data Processing Agreement (DPA) is available upon request. Contact legal@ibanverify.com for more information.
15. Dispute Resolution
15.1 Informal Resolution
In the event of a dispute, you agree to first attempt to resolve the matter informally by contacting us at support@ibanverify.com.
15.2 Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of laws principles.
15.3 Jurisdiction
You agree to submit to the exclusive jurisdiction of the courts located in London, United Kingdom for resolution of any disputes.
15.4 Arbitration (Optional)
For disputes exceeding �5,000, either party may elect binding arbitration under the rules of the London Court of Arbitration (LCIA) as an alternative to litigation.
16. Limitation Period
Any legal action or proceeding relating to these terms must be commenced within one (1) year after the cause of action arises, or be forever barred.
17. Severability
If any provision of these terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.
18. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and IBAN Verify regarding the subject matter and supersede all prior negotiations, representations, and agreements.
19. Changes to Terms
IBAN Verify reserves the right to modify these terms at any time. Changes are effective immediately upon posting to the website. Your continued use of the service following the posting of revised terms means that you accept and agree to the changes. We will provide notice of material changes via email or prominent website notice.
20. Service Level Agreement (SLA)
20.1 Uptime Guarantee
IBAN Verify commits to providing services with 99.5% uptime monthly, excluding scheduled maintenance and events beyond our control.
20.2 Scheduled Maintenance
We conduct scheduled maintenance typically during off-peak hours. Maintenance windows will be announced when possible but may occur with minimal notice in critical situations.
20.3 Service Credits
If uptime falls below 99.5% in any month, applicable service credits will be issued according to our SLA documentation. Credits are the sole remedy for uptime issues.
21. Contact and Support
For questions about these terms or to report violations:
IBAN Verify - Legal Team
Email: legal@ibanverify.com
Support: support@ibanverify.com
Website: www.ibanverify.com
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� 2026 IBAN Verify. All rights reserved. These Terms & Conditions are compliant with UK, EU, and US laws.