Terms of Service

Last updated: February 2026

About BINLookupAPI

BINLookupAPI is a trading style of Jade Technologies Limited, a company registered in England and Wales (company number: 15043871). Our registered office is at 7 Bell Yard, London, England, WC2A 2JR. These Terms of Service ("Terms") govern your access to and use of our BIN lookup API services ("Services").

1. Acceptance of Terms

By accessing or using BINLookupAPI, you agree to be bound by these Terms of Service and our Privacy Policy. If you are using the Services on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms. If you do not agree to these terms, do not use our services.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our Services. By using our Services, you represent and warrant that you meet these requirements.

3. Account Registration

To access certain features, you must register for an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Maintain the security and confidentiality of your login credentials
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized access or security breach

4. Prohibited Uses

You agree not to use our Services to:

  • Exceed your plan's rate limits or request quotas
  • Attempt to gain unauthorized access to our systems or networks
  • Transmit malicious code, viruses, or harmful data
  • Resell, sublicense, or redistribute API access without written authorization
  • Systematically scrape, crawl, or bulk download BIN data to build a competing database or dataset
  • Use automated means to query all or a substantial portion of BIN ranges
  • Reverse engineer, decompile, or attempt to extract the source code of the Service
  • Circumvent or disable any security or access control mechanisms
  • Interfere with or disrupt the integrity or performance of the Service
  • Share API keys or allow unauthorized third parties to access the Service

5. API Keys and Security

API keys are confidential credentials that authenticate your access to our Services. You are solely responsible for:

  • Keeping your API keys secure and confidential
  • All API calls made using your keys, whether authorized or not
  • Immediately notifying us of any suspected unauthorized use
  • Revoking compromised keys and requesting new ones

We reserve the right to revoke API keys at any time if we suspect misuse or violation of these Terms.

6. Rate Limits and Quotas

If you exceed rate limits:

  • First occurrence: API requests throttled, warning email sent
  • Second occurrence within 30 days: Temporary 24-hour throttling
  • Three or more within 30 days: Account review and potential suspension

We reserve the right to modify rate limits at any time to ensure fair usage and service stability. We will provide notice of plan-level rate limit changes.

7. Payment Terms

Billing: For paid subscription plans, fees are billed in advance on a monthly or annual basis as selected during signup. You authorize us to charge your payment method on file for all recurring fees.

Non-Refundable: All fees are non-refundable except as required by applicable law.

Failed Payments: Failed payments may result in service suspension after a 7-day grace period. We will attempt to notify you at least 7 days before suspension. Upon successful payment, service access will be restored immediately. If payment fails for 14 days, we may terminate your account and delete your data in accordance with Section 13.

Price Changes: We may change our pricing with 30 days' advance notice. Your continued use of the Service after the price change takes effect constitutes acceptance of the new pricing. If you do not agree, you may cancel your account before the change takes effect.

Taxes: You are responsible for all applicable taxes (excluding taxes on our income). If we are required to collect or pay taxes, they will be invoiced to you unless you provide a valid tax exemption certificate.

8. Service Availability and Force Majeure

We aim to provide reliable service but do not guarantee uninterrupted access. We may temporarily suspend the Service for:

  • Scheduled maintenance (with reasonable notice via status page)
  • Emergency maintenance or security updates
  • Events beyond our reasonable control (force majeure)

We maintain a status page at status.binlookupapi.com showing current and historical uptime.

Force Majeure: Neither party shall be liable for failure to perform due to causes beyond its reasonable control, including: acts of God, war, terrorism, riots, civil unrest, government actions, internet service provider failures, cyber attacks (not caused by inadequate security), pandemics, natural disasters, strikes, or failures of third-party hosting or infrastructure providers.

The affected party must: (a) promptly notify the other party; (b) use reasonable efforts to mitigate impact; and (c) resume performance as soon as reasonably possible.

If force majeure continues for more than 30 consecutive days, either party may terminate affected services upon written notice.

9. Data Accuracy and Disclaimers

Nature of BIN Data: BIN (Bank Identification Number) data is maintained by card networks and issuing banks and changes frequently. We source our data from industry databases and strive to maintain accuracy, but we cannot guarantee that all BIN data will be current or error-free at all times due to the dynamic nature of card issuance.

Limited Warranty: We warrant that we use commercially reasonable efforts to maintain accurate BIN data from reputable sources. However, we do not warrant that BIN data will be 100% accurate, complete, or up-to-date for all BINs at all times.

Your Responsibility: You are solely responsible for your use of API responses and any decisions made based on BIN data. We recommend:

  • Implementing fallback logic for missing or uncertain data
  • Not relying solely on BIN lookups for critical business decisions
  • Testing thoroughly in development before production use

Exclusions: We specifically disclaim any warranty of merchantability or fitness for a particular purpose. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."

Data Quality Issues: If you identify systematic data quality issues affecting your use case, please report them to support@binlookupapi.com. We will investigate and update our data sources where appropriate.

10. Intellectual Property

All intellectual property rights in the Service, including software, APIs, documentation, trademarks, and compiled BIN databases, are owned by Jade Technologies Limited or its licensors. You receive only a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.

You may not copy, modify, distribute, sell, or lease any part of our Service or included software, nor may you reverse engineer or attempt to extract the source code.

11. Mutual Indemnification

By You: You agree to indemnify, defend, and hold harmless Jade Technologies Limited, its officers, directors, employees, and agents from any third-party claims arising from:

  • Your use of the Service in violation of these Terms
  • Your violation of applicable laws or third-party rights
  • Content or data you submit through the Service
  • Your violation of the Prohibited Uses restrictions

By Us: We agree to indemnify, defend, and hold you harmless from any third-party claims that our Service infringes the intellectual property rights of a third party, provided you:

  • Promptly notify us of the claim in writing
  • Grant us sole control of the defense and settlement
  • Reasonably cooperate with our defense

If the Service is subject to an infringement claim, we may (at our option): (a) obtain rights for you to continue using it; (b) replace or modify it to be non-infringing; or (c) terminate your access and refund prepaid fees for the unused period.

Exclusions: Our indemnification does not apply to claims arising from: your modification of the Service, your combination of the Service with third-party products, or your use after we notify you of infringement.

Process: The indemnified party must: (a) promptly notify the indemnifying party; (b) cooperate reasonably in the defense; and (c) allow the indemnifying party to control the defense and settlement (subject to the indemnified party's approval of settlements affecting their interests).

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Excluded Damages: We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities.

Liability Cap: Our total liability for all claims arising in any 12-month period shall not exceed:

  • Development accounts: £100
  • BLAPI-30KPM: £500 or fees paid in preceding 12 months, whichever is greater
  • BLAPI-150KPM: £2,500 or fees paid in preceding 12 months, whichever is greater
  • BLAPI-500KPM: £10,000 or fees paid in preceding 12 months, whichever is greater
  • Enterprise plans: As specified in your order form

Excluded from Cap: Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) gross negligence or willful misconduct; or (d) any other liability that cannot be excluded under applicable law.

Multiple Claims: These limitations apply collectively to all claims, regardless of the number of claims or theory of liability.

13. Termination

By You: You may cancel your account at any time through the dashboard or by contacting support. Cancellation takes effect at the end of your current billing period. You remain responsible for fees through the end of the billing period.

Data Export: Before cancellation, you may export your usage data and query history in JSON format via the dashboard. After cancellation effective date, data export may not be available.

By Us: We may suspend or terminate your access immediately if:

  • You violate these Terms
  • We reasonably believe your use poses a security risk
  • We are required to do so by law
  • Your account has been inactive for 12 months
  • Payment fails for 7+ days

Suspension for Non-Payment: If we suspend for non-payment, you have 15 days to cure payment before termination. Your data remains accessible during suspension.

Effects of Termination: Upon termination:

  • Your right to use the Service ceases immediately
  • We will retain your account data for 30 days, then permanently delete it
  • We will provide certification of data deletion upon written request
  • Sections 9 (Data Accuracy Disclaimers), 10 (Intellectual Property), 11 (Mutual Indemnification), 12 (Limitation of Liability), 15 (Governing Law), 16 (Severability), 18 (Data Ownership), and 21 (Customer Compliance Obligations) survive termination

No Refunds: Fees paid are non-refundable except where required by law.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes via email or through the Service at least 30 days before they take effect. Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

Material changes include:

  • Changes to pricing or plan features
  • Reductions in rate limits or quotas
  • Changes to data retention periods
  • Modifications to limitation of liability
  • Changes to governing law or dispute resolution

Right to Terminate: If you do not agree to material changes, you may terminate your account within 30 days of notice without penalty and receive a pro-rated refund of prepaid fees.

Non-material changes (clarifications, formatting, adding features) may be made without notice.

15. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Before initiating legal proceedings, you agree to attempt to resolve disputes informally by contacting us at support@binlookupapi.com. We will attempt to resolve the dispute within 30 days.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Jade Technologies Limited regarding the Service and supersede any prior agreements.

18. Data Ownership and Usage Rights

Query Data: You retain all rights to the BIN numbers you submit via API requests. We do not claim ownership of your query data.

Usage Metadata: We collect and own metadata about your API usage (request volumes, patterns, error rates) for service operation, improvement, and abuse prevention. We may generate aggregated, anonymized analytics from usage data across all customers.

No Reverse Engineering: You may not use our service to systematically query BIN ranges to reverse-engineer our database or create competing datasets.

19. Assignment

You may not assign or transfer these Terms or your account to any third party without our prior written consent. Any attempted assignment without consent is void.

We may assign these Terms without your consent: (a) to an affiliate or subsidiary; (b) in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets; or (c) by operation of law. We will provide notice of any assignment that materially affects your rights.

20. API Changes and Versioning

Version Stability: We maintain API versioning (currently v1). Within a major version, we will:

  • Not remove existing fields or endpoints without 90 days' notice
  • Maintain backward compatibility for existing integrations
  • Provide migration guides for breaking changes

Breaking Changes: Changes requiring code modifications will be announced at least 90 days in advance via:

  • Email to all active accounts
  • Notice on our status page and documentation
  • Email announcements to all active accounts

We may make non-breaking changes (new optional fields, new endpoints) without notice.

Beta Features: Features marked as "beta" or "preview" are experimental, may change without notice, and are not covered by SLA commitments. Do not use beta features in production systems without accepting this risk.

Deprecation: When deprecating functionality, we provide:

  • 90 days' minimum notice for paid customers
  • 30 days' notice for free accounts
  • Migration path to alternative functionality (where available)

21. Customer Compliance Obligations

Legal Compliance: You are solely responsible for ensuring your use of the Service complies with all applicable laws, regulations, and industry rules, including:

  • Payment card industry rules (Visa, Mastercard, etc.)
  • Data protection and privacy laws
  • Export control regulations
  • Economic sanctions (OFAC, EU, UK)
  • Anti-money laundering (AML) requirements
  • Know Your Customer (KYC) regulations
  • Laws prohibiting fraud, identity theft, money laundering, and financial crimes

Restricted Use: You may not use the Service:

  • For illegal activities or purposes prohibited by applicable law
  • In countries subject to comprehensive economic sanctions
  • To support prohibited or sanctioned activities
  • In violation of card network rules or agreements
  • For purposes prohibited by applicable financial regulations

Export Controls: BIN data may be subject to export controls. You may not export, re-export, or transfer BIN data or technical information received from the Service in violation of applicable export laws.

Card Scheme Compliance: If you are a merchant or payment service provider, you remain responsible for compliance with card network rules and your agreements with acquiring banks or payment processors.

Reporting: You must promptly notify us if you become aware that your use of the Service violates any applicable law or regulation.

22. Relationship of Parties

Independent Contractors: You and Jade Technologies Limited are independent contractors. These Terms do not create any partnership, joint venture, employment, franchise, or agency relationship.

No Authority: Neither party has authority to bind the other or incur obligations on the other's behalf without prior written consent.

Third-Party Beneficiaries: These Terms are solely for your and our benefit. No third party has any right to enforce any provision of these Terms.

23. Waiver

No Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

Written Waiver Required: Any waiver must be in writing and signed by an authorized representative of Jade Technologies Limited. A waiver in one instance does not waive our rights in other instances.

24. Support

Support Channels: Support is provided via email at support@binlookupapi.com.

Response Times (Business Hours: Monday-Friday, 9:00 AM - 5:00 PM GMT, excluding UK public holidays):

  • Development accounts: Best effort, no guaranteed response time
  • BLAPI-30KPM: 48-hour response target
  • BLAPI-150KPM: 24-hour response target
  • BLAPI-500KPM: 8-hour response target
  • Enterprise: As specified in your order form

Response times are targets, not guarantees. Actual response times may vary based on issue complexity and support volume.

Support Scope: Support covers:

  • API functionality and technical issues
  • Authentication and access problems
  • Billing questions
  • Data quality reports

Support does NOT cover:

  • Custom development or integration services
  • General programming or coding assistance
  • Architecture or business process consulting
  • Issues caused by third-party software or services

Status Page: Real-time service status and incident reports are available at status.binlookupapi.com.

25. Contact

Questions about these Terms? Contact us at:

Email: support@binlookupapi.com
Post: Jade Technologies Limited, 7 Bell Yard, London, England, WC2A 2JR

Jade Technologies Limited
Company Number: 15043871
Registered Office: 7 Bell Yard, London, England, WC2A 2JR