Terms of Service

1. Acceptance of Terms

By accessing or using bins360.org ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

bins360 provides a Bank Identification Number (BIN) and Issuer Identification Number (IIN) lookup tool. The Service allows users to retrieve publicly available information associated with payment card prefixes, including card brand, issuing bank, card type, and country of issuance.

3. Permitted Use

You may use the Service solely for lawful purposes, including:

• Payment fraud prevention and risk assessment
• Card acceptance and routing logic in payment systems
• Research and analysis for payments professionals
• Integration into your own payment processing workflows via the API

4. Prohibited Use

You may not use the Service to:

• Commit or facilitate fraud, identity theft, or any other illegal activity
• Attempt to reconstruct, reverse-engineer, or bulk-export our BIN database
• Resell or sublicense access to the Service or API without written permission
• Circumvent rate limits, access controls, or authentication mechanisms
• Use automated scraping tools against the free web interface
• Violate any applicable local, state, national, or international law

5. Accounts and Subscriptions

Some features require a paid subscription. You are responsible for maintaining the confidentiality of your account credentials and API keys. You agree to notify us immediately of any unauthorized use of your account. Subscriptions are billed monthly and may be cancelled at any time; cancellation takes effect at the end of the current billing period.

6. BIN Data and Accuracy

BIN/IIN data provided by bins360 is provided on an "as is" and "as available" basis for informational purposes only. bins360 uses an internal BIN reference dataset maintained and updated over time from multiple commercial, public, and partner sources, and is not an official card network, issuer, or bank database. bins360 makes no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, reliability, or ongoing validity of any data or lookup result. Card networks, issuers, and financial institutions may change BIN assignments or related data at any time without notice. You should not rely solely on bins360 data for compliance, regulatory, underwriting, routing, fraud, risk, or other business or operational decisions, and you are solely responsible for independently verifying any information before acting on it.

7. Intellectual Property

The bins360 platform, including its software, compiled database, branding, and documentation, is the property of bins360 and is protected by applicable intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.

8. Limitation of Liability

To the maximum extent permitted by law, bins360 shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, business, goodwill, or other intangible losses, arising out of or related to your use of, or inability to use, the Service, even if bins360 has been advised of the possibility of such damages.

9. Service Availability

We aim for high availability but do not guarantee uninterrupted access to the Service. We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

10. Modifications to Terms

We may update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.

12. Contact

Questions about these Terms? Contact us at [email protected].