Terms of Service

Acceptance of Terms

By accessing and using BinWise services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

Description of Service

BinWise provides the following services:

• Bank Identification Number (BIN) lookup services
• Credit card number validation using Luhn algorithm
• Test credit card number generation for development purposes
• API access for integration with your applications
• Educational resources and documentation

Acceptable Use

Permitted Uses

• Testing and development of payment systems
• Fraud prevention and security validation
• Academic research and education
• Compliance and regulatory purposes

Prohibited Uses

• Any illegal or fraudulent activities
• Attempting to validate stolen or unauthorized credit card numbers
• Creating or distributing malware or harmful code
• Overwhelming our systems with excessive requests
• Violating any applicable laws or regulations
• Reselling or redistributing our data without permission

User Accounts

When creating an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your login credentials
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized access
• Use the service only for lawful purposes

API Usage and Rate Limits

API usage is subject to the following terms:

• Rate limits apply based on your subscription plan
• API keys must be kept secure and not shared
• Commercial use may require a paid subscription
• We reserve the right to modify rate limits with notice
• Abuse of API services may result in account suspension

Data and Privacy

Regarding data handling:

• Credit card numbers are not permanently stored
• Usage data may be collected for service improvement
• Personal information is handled per our Privacy Policy
• You retain ownership of data you provide
• We may use aggregated, anonymized data for analytics

Intellectual Property

All content, features, and functionality of BinWise are owned by us and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Disclaimers

Our services are provided "as is" without warranties of any kind:

• We do not guarantee 100% accuracy of BIN data
• Service availability may be subject to maintenance
• Data sources may change without notice
• We are not liable for decisions made based on our data
• Users should verify critical information independently

Limitation of Liability

To the maximum extent permitted by law, BinWise shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of profits, data, or business opportunities.

Indemnification

You agree to indemnify and hold harmless BinWise from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Termination

We may terminate or suspend your account for:

• Violation of these terms of service
• Suspected fraudulent or illegal activity
• Excessive use that impacts service quality
• Non-payment of subscription fees
• Any reason with 30 days notice for free accounts

Changes to Terms

We reserve the right to modify these terms at any time. Significant changes will be communicated via email or website notice. Continued use after changes constitutes acceptance of new terms.

Governing Law

These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved through binding arbitration or in the courts of [Your Jurisdiction].

Contact Information

For questions about these terms of service, please contact us: