These Terms and Conditions ("Terms") govern your use of Bin Search Lookup's services (including the website https://www.binsearchlookup.com and related API). By accessing or using our services, you agree to these Terms and to our Privacy Policy. If you do not agree, you must not use the services.

Bin Search Lookup is a SaaS company based in Montreal, Canada, providing BIN (Bank Identification Number) and IIN (Issuer Identification Number) lookup services via an online interface and API. Our services are offered on a subscription basis to both businesses and individual users.

Bin Search Lookup offers BIN/IIN lookup and related data through its platform and API. Users can query our database of BIN/IIN information for legitimate purposes. We may modify or discontinue services at any time, and all usage must comply with these Terms. Use of the services is subject to account creation and agreement with these Terms and our Privacy Policy.

You must create a user account to access most features. When registering, you will provide an email and password. You are responsible for keeping your account information accurate and secure, and for all activity under your account.

We take reasonable measures to protect your data, but you should also safeguard your login credentials and not share them. You may not allow others to use your account, and you must notify us immediately if your account is compromised.

Our services are billed in advance via subscription plans. Payment is processed using Stripe. By purchasing a subscription, you authorize us (via Stripe) to charge your chosen payment method on the billing dates.

All sales are final: once a payment is completed, it cannot be canceled, and we do not issue refunds. We do not provide cash refunds for card transactions except as required by law. You are responsible for all applicable taxes on your purchase. Subscription plans renew automatically unless canceled; you may cancel at any time, but no prorated refunds will be given for partial periods.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use our service for your internal purposes. This license is personal to you and may not be sublicensed or resold. You may only use the services as intended (for BIN/IIN lookup and related uses) and in accordance with any usage limits specified by us.

You shall not copy, modify, distribute, sell, or decompile any part of our services. All intellectual property rights in the service and all data, content, trademarks, and software related to the service remain our property or that of our licensors. You agree not to remove or alter any proprietary notices on the service.

You agree not to use the service to do anything illegal or prohibited by law, or to infringe the rights of others. In particular, you may not:

• Use the service to commit fraud, transmit harmful code, or engage in any criminal or malicious activity.
• Attempt to gain unauthorized access to our systems or other accounts.
• Reverse-engineer, scrape, or hack the service to extract data beyond normal use.
• Interfere with or disrupt the service or its infrastructure (including any denial-of-service attacks).
• Share your account with others or sell access to the service.
• Upload or introduce any malicious content (e.g. viruses, malware).

If you engage in prohibited conduct, we reserve the right to terminate your account and seek legal remedies.

All content, trademarks, logos, and data available through the service are owned by Bin Search Lookup or its licensors. You may not use our intellectual property without written permission. Any feedback or suggestions you provide may be used by us without obligation.

We may suspend or terminate your access at any time if you violate these Terms or for any other reason. Upon termination, your right to use the service ends immediately. We may delete your account data. No refunds will be provided for subscriptions that are canceled or terminated. If you wish to terminate your account, you may do so by contacting us or using the account settings page.

We comply with applicable privacy laws (including GDPR, CCPA, and Quebec privacy laws) and handle personal data as described in our Privacy Policy. You must read and agree to the Privacy Policy as part of your use of the service.

We use analytics to improve our service, but we do not collect or log users' IP addresses; our analytics track only anonymized usage metrics.

OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". Bin Search Lookup disclaims all warranties of any kind, whether express or implied. We do not guarantee that the service will meet your requirements or be uninterrupted, secure, or error-free. We disclaim warranties of merchantability, fitness for a particular purpose, title and non-infringement. We make no representation about the accuracy, completeness, or reliability of any data. You use the service at your own risk.

To the maximum extent permitted by law, Bin Search Lookup and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the service (including loss of data, profits, or goodwill). Our total liability for any claim arising from these Terms or the service will not exceed the amount paid by you to us in the past twelve (12) months.

You agree to indemnify and hold Bin Search Lookup and its officers, employees, and agents harmless from any claims, losses, damages, liabilities, or expenses (including reasonable attorneys' fees) arising out of your use of the service, your violation of these Terms, or any infringement of third-party rights.

These Terms are governed by the laws of the Province of Quebec and the laws of Canada, without regard to conflict of laws principles. Any dispute arising under these Terms shall be resolved in the courts of Montreal, Quebec. If you are a consumer in the European Union or California, you will retain any rights under applicable mandatory laws.

We may modify or replace these Terms at any time. If a change is material, we will provide at least 30 days' notice before the new terms take effect. Continued use of the service after the notice means you accept the updated Terms. We encourage you to review the Terms periodically.

If you have any questions about these Terms, you may contact Bin Search Lookup by email or through our website. Typically, you can reach us via the "Contact" page or at a support email address provided on the site.