Welcome to Bin Search Lookup! These Terms and Conditions ("Terms") govern your use of our BIN/IIN lookup services, including our website, API, and any related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service.

These Terms constitute a legally binding agreement between you and Bin Search Lookup. They govern your access to and use of our Service, including any content, functionality, and services offered on or through binsearchlookup.com.

You must be at least 18 years of age to use our Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Bin Search Lookup provides a BIN (Bank Identification Number) lookup database and API service that allows users to:

• Enter 6 or 8-digit BIN numbers
• Retrieve information about card types (e.g., prepaid, debit, credit, gold card)
• Identify issuing banks and financial institutions
• Access credit card validation tools
• Integrate BIN verification into payment flows
• Enhance fraud prevention systems

3.1 Service Availability

Account Required: Beyond free testing limits, users must create an account to continue using the Service or access API functionality.

Data Hosting: All data is hosted in Montreal, Quebec, Canada, with enterprise-grade infrastructure providing 99% uptime guarantee for Enterprise Tier subscribers.

We offer tiered subscription plans designed to meet the needs of businesses of all sizes:

Feature	Free Tier	Starter Tier	Pro Tier	Enterprise Tier
Requests Per Minute	20	60	280	768
Requests Per Month	1,000	10,000	78,000	Unlimited
API Keys	1	3	15	190
Batch Size	50 BINs	50 BINs	50 BINs	50 BINs
Uptime SLA	Best Effort	Best Effort	Best Effort	99% Guarantee
Monthly Price	Free	$25	$175	$980
Annual Price (Save 20%)	Free	$240	$1,680	$9,408

4.1 Accepted Currencies

We accept payments in multiple currencies to serve our global customer base:

• Canadian Dollars (CAD)
• United States Dollars (USD)
• Australian Dollars (AUD)
• British Pounds (GBP)
• Euros (EUR)

4.2 Billing Cycles

Subscriptions are available on flexible billing cycles:

• Monthly billing: Charged every 30 days
• Annual billing: Charged once per year with 20% discount

Users may select their preferred billing cycle during subscription signup. All plans reset on the 1st of each month.

5.1 Auto-Renewal

5.2 Disabling Auto-Renewal

You may disable auto-renewal at any time by:

• Accessing your account dashboard
• Navigating to subscription settings
• Toggling off the auto-renewal option

Disabling auto-renewal will prevent future charges but will not entitle you to a refund for the current billing period.

5.3 Cancellation Process

To cancel your subscription:

1. Disable auto-renewal in your dashboard settings
2. Contact [email protected] to request cancellation
3. We will process your cancellation request and notify Stripe to disable future charges

Upon cancellation, your account will be downgraded to the Free Tier at the end of your current billing period.

6.1 Payment Processor

All payments are processed securely through Stripe, a PCI-DSS Level 1 certified payment processor. We do not store, process, or have access to your credit card information. All payment data is handled exclusively by Stripe in compliance with PCI-DSS standards.

6.2 Data Security

7.1 All Sales Are Final

7.2 EU and EEA Customers - Waiver of Right of Withdrawal

7.3 No Account Restoration

If your account is cancelled, downgraded, or terminated, we do not offer account restoration services. All account data associated with cancelled accounts is permanently deleted and cannot be recovered.

8.1 User-Initiated Cancellation

When you cancel your subscription:

• Your account is downgraded to the Free Tier at the end of your billing period
• Auto-renewal charges are disabled
• All account data, including API keys and usage history, is permanently deleted
• Data deletion is automatic and irreversible—we cannot restore deleted accounts or data

8.2 Company-Initiated Termination

9.1 Permitted Uses

You may use the Service for legitimate business purposes, including:

• Validating payment card BINs
• Identifying card types and issuing banks
• Integrating BIN lookup functionality into your applications
• Storing and caching retrieved BIN data
• Displaying BIN data on your websites or applications

9.2 Data Usage Rights

You are permitted to:

• Store/Cache Data: You may store and cache BIN data retrieved from our API
• Display Data: You may display retrieved data on your own websites, applications, or platforms
• Commercial Use: You may use the data for your business operations within the scope of your subscription plan

9.3 PCI-DSS Compliance Recommendation

While there are no restrictions on how you use retrieved BIN data, we strongly recommend that you maintain PCI-DSS compliance in your own operations. Please consult the PCI Security Standards Council guidelines at pcisecuritystandards.org for best practices in handling payment card information.

9.4 Prohibited Uses

10.1 Enterprise Tier SLA

10.2 Other Tiers

Free, Starter, and Pro Tier users are provided with Service on a best-effort basis without uptime guarantees.

10.3 No Warranties

Except as expressly stated in Section 10.1 for Enterprise Tier subscribers, the Service is provided "AS-IS" without warranties of any kind, including but not limited to:

• Accuracy, completeness, or reliability of BIN data
• Uninterrupted or error-free operation
• Fitness for a particular purpose
• Non-infringement

We do not guarantee the accuracy of BIN data and are not liable for decisions made based on data retrieved from the Service.

11.1 Enforcement of Rate Limits

Each subscription tier has defined rate limits (requests per minute and per month). Exceeding these limits may result in:

• Temporary throttling of API requests
• Account suspension
• Automatic downgrade to a lower tier
• Account termination in cases of intentional abuse

11.2 Fair Use Policy

We expect all users to use the Service in good faith and within the reasonable bounds of their subscription tier. Excessive or abusive usage that disrupts the Service for other users may result in account termination.

12.1 Ownership

All intellectual property rights in the Service, including but not limited to software, databases, design, trademarks, and content, are owned by or licensed to Bin Search Lookup. These Terms do not grant you any ownership rights to the Service.

12.2 License to Use Data

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use, store, cache, and display BIN data retrieved through the Service for your internal business purposes or for display on your own platforms.

12.3 Restrictions

You may not sublicense, sell, or redistribute BIN data to third parties without our express written consent (see Section 19).

13.1 Personal Information Collection

We collect and process personal information including your email address and encrypted password. For full details on how we collect, use, and protect your personal information, please refer to our Privacy Policy.

13.2 Global Compliance

13.3 Data Hosting

All data is hosted on servers located in Montreal, Quebec, Canada, with strict access controls and security protocols in place.

14.1 Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BIN SEARCH LOOKUP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

14.2 Maximum Liability

Our total liability to you for all claims arising out of or related to these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

14.3 AS-IS Service

THE SERVICE IS PROVIDED "AS-IS" AND "AS AVAILABLE." WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, OR AVAILABILITY OF BIN DATA OR THE SERVICE.

15.1 Right to Modify

We reserve the right to modify these Terms, pricing, or Service features at any time. Changes will be effective upon posting to the Website.

15.2 Notice of Changes

We will notify users of material changes to pricing or Terms by:

• Posting a notice on the Website
• Sending an email to the address associated with your account
• Displaying an in-dashboard notification for active users

15.3 Continued Use

Your continued use of the Service after changes to these Terms constitutes acceptance of the modified Terms. If you do not agree to the changes, you must cancel your subscription and stop using the Service.

16.1 Governing Law

These Terms and any disputes arising out of or related to the Service shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.

16.2 Jurisdiction

You agree that any legal action or proceeding arising out of or related to these Terms or the Service shall be brought exclusively in the courts located in Montreal, Quebec, Canada. You consent to the personal jurisdiction of such courts and waive any objection to venue.

16.3 International Users

While we accept customers from around the world, all disputes will be resolved under Quebec law and in Quebec courts, regardless of your location.

You agree to indemnify, defend, and hold harmless Bin Search Lookup, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your fraudulent or illegal activities
• Any content or data you submit through the Service

For questions, concerns, or requests regarding these Terms or the Service, please contact us:

Reselling of BIN data retrieved from our Service is prohibited unless you have obtained explicit written authorization from us. If you are interested in reselling arrangements or custom enterprise solutions, please contact us at: